davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-21
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Southwest Stage Funding (NC)

I have tried over and over to get cascade financial to take my name off of the house that got awarded to my ex spouse XXXX XXXX XXXX during the divorce and they wont do it. I have not lived there for 3 years and Im trying to build my credit to build a new house with my current husband.
Consumer complaint received 2022-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AZ)

In XXXX, 2020, after initially applying in XXXX, 2020, I received a mortgage with Newrez. After getting the mortgage, I filled out a document stating I didn't want to receive advertising offers. I got some. So, I called and they said it would be taken care of and the ads would stop ( aside, they want me to refinance my less than 3 % mortgage with one over 5 % ). I am sick of their ads, they are not stopping them even though I have told them through 2 of their methods to stop.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (PA)

For the past XXXX years, I have been notifying your corporation that an " alleged '' " fraudulent '' " illegal '' and " erroneous '' account XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has been furnishing on my consumer report and in my consumer file. I have submitted numerous complaints, affidavits, CFPB complaints, and submitted Attorney General complaints and each time your customer service representatives come back fraudulently and erroneously " verifying '' the alleged account. Not only is the furnishing of the alleged account XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is a violation of my right to privacy, the alleged account has caused me financial hardship and embarrassment. I have never given your corporation permissible purpose to furnish said account nor do you have my written consent to furnish said account XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX which are all violations that fall under the restrictions of the Federal Credit Reporting Act. According to Federal law, your corporation should be exercising fairness, impartiality, and respect for my right to privacy under 15 USC 1681 a ( 4 ). The illegal furnishing of this account violates my federally protected consumer rights under the FCRA. The furnishing of this account also violates the standards and regulations of METRO-2 COMPLIANCE! Attached you will find my most recent letter sent to your corporation not only informing you of your violation under the FCRA but also your lack of ability to stay in compliance to METRO-2 standards and regulations.
Consumer complaint received 2022-12-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (TX)

RENTRECOVERY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Account XXXX {$1500.00} Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received no response from them and/or no proof to validate their claim. 
They have broken the law by their non-response within the time period allowed by law. I am proceeding with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this erroneous claim. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage response from you expeditiously.
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (NM)

This problem is actually due to inaccurate reporting by my mortgage holder Freedom Mortgage Corp which is the subject and related to XXXX prior unresolved complaints - # XXXX -and XXXX. As described in my initial complaint Freedom Mortgage- back in XXXX verified my explanation of events and assured me they would resolve the issue within 15 days by sending Refund Modification documents. Unfortunately that has not happened and I filed a second complaint. In the process of this continued failure FM took my loan out of Loss Mitigation. This complaint relates to the fallout of that action- my stellar credit rating went from the XXXX range down to about XXXX. I went to trade in my vehicle to discover this and was only offered a high interest rate. I was told at that time that after my mortgage company corrects their reporting I could refinance to a lower rate. 
There is such a disconnect existing within the communication flow at Freedom Mortgage that my phone calls and conversations with representatives or messages on the app are all like starting over and go nowhere. This has gone on for the past 14 months! XXXX did send my account back into loss mitigation last week but no mention of correcting their mistake that affects my credit.
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC (FL)

On XX/XX/2022, I notice an unauthorized inquiry on my consumer report from ( GLOBAL LENDING SERVICES ) company. I requested that they send me the written " Permissible Purposes '' document, with no response or information. I suffered injury to my consumer report and score. 15 USC 1681b " Permissible Purposes '' must be given by the consumer and no other.
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Original creditor XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

Consumer reporting agencies are reporting inaccurate address information on my consumer file. I've mailed in dispute letters. I'm not sure why their employees always mentioned to contact the creditor as if I the consumer control what information the creditor reports. FCRA gives me the right to dispute directly with the consumer reporting agencies by federal law to make sure the information is fair & accurate. My address should only show " XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX '' as it is correctly accurate. 

Delete XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX from my consumer report as it is inaccurate information reporting. You are all in violation FCRA under 15 U.S.C. 1681
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

The items listed below are reporting on my personal credit file and were found in my reports with Experian, XXXX and XXXX XXXX XXXX XXXX. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX XXXX XXXX ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the XXXX XXXX XXXX XXXX XXXX furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/2022.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-23
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Atlantic Recovery Solutions LLC (PA)

This company Illegally contacted myself, my family and my employer about I debt I have no recollection of, they left threatening voicemails on my phone after I told them not to do so, I asked them to cease and desist all communication with myself, my family and my employer and they did not comply. Under the Fair Debt Collection Practices Act, 805 ( b ) states : Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. This company XXXX  continued to contact me and violate my rights, according to 805 ( c ) of the Fair Debt Collection Practices Act states : " Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am a natural person, I am a living human being, and I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Friday, XX/XX/XXXX contact Experian website, login to temporarily unfreeze my credit report so I could apply for a an auto-loan. Website says unable to retrieve information contact customer service. 
Saturday, XX/XX/XXXX : Contact Experian website and find the same issue as previously described. Contact Experian to speak to an agent. Automated response no agent is available. 
Monday, XX/XX/XXXX : Contact Experian through the website and once again same response, contact customer service. Automated attendant would not connect me with an agent and could not understand the temporary unfreeze request. It was completely lift the freeze or nothing. After 10 minutes spent in auto-attendant non-helpfulness, I hung up and contacted Experian through XXXX. 
XX/XX/XXXX XXXX XXXX : Human ( I think ) answered my direct message approximately 16 minutes after sending. CSR asks for identifying information. I respond with requested information. 13 minutes later CSR responds with this message ; Thank you for that information. I understand that you are having a hard time managing your Security Freeze. The process to manage a Security Freeze on our website has changed. You need to log in to your membership, scroll all the way down to the bottom, select " Help Center '' and after that " Quick actions '' and then " Manage freeze ''. XXXX My response : Tried that and it keeps saying to contact customer service. 

The other two credit bureaus make it easy to manage credit report freezes but so far I have spent the better part of 3 hours trying to temporarily unfreeze my report from Experian. 

I've already been denied credit on an application because the first bureau the lender checked was Experian.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (IL)

I have a big issue with the credit reporting agency mainly XXXX XXXX as I going through reviewing my file I noticed that my credit has not been up to par and it does not reflect having XXXX or XXXX accounts on my negative accounts on my credit file for it to be at a for a low low XXXX XXXX so I started doing some investigation and got all my reports from each of the reporting agencies XXXX XXXX mainly I asked for XXXX separate reports and verify that every XXXX of their reports has my business or somebody some some form or some way business dealings that I have is being reflected on my personal credit or personal XXXX  XXXX  report and which is internal repairs on my credit they're using XXXX XXXX  which is a account that's already been paid off to basically throw up a red flag and say hey this is this is what we got him to XXXX XXXX  for, and then turn around and report it to my personal credit as a inquiry Banks why we can't get a checking account or banking account is due to the fact they're reporting on my business debt or business transactions under increase view by others under my personal file view by others they just change the name of it so I'm a registered XXXX so they have found a way to not put it put it negative information directly on my personal from these Banks because I would XXXX XXXX we just reported it differently I know this because I'm 100 % sure of this because I have not tried to open too many personal bank accounts in the last XXXX  years maybe XXXX or XXXX and for them to say that all the inquiries are because of a personal inquiry because I will try to open a bank account is not the truth so I went back and and matched every business every XXXX of the names on there has some kind of business dealing with me or they either had XXXX XXXX reported on there behalf XXXX reported for them like XXXX XXXX XXXX
Consumer complaint received 2022-11-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (MN)

I believe that Huntington Bank deliberately withheld the check sent by my bank until after the payment due date to apply late charges to my account deliberately. Case in point, I have had Huntington bank for just six months of mortgages, and for the past three months, I have received late fees. My prior mortgages were paid the same way for the past 20 years, and for the last 13 years before XXXX, I have never been late on my mortgage. Last XXXX, my bank XXXX XXXX sent a check out for my mortgage on the XXXX of XX/XX/2022, and XXXX stated that they didnt receive it until XX/XX/2022. A day later than my due date. 
I decided to change my payment date to a week earlier, so on XX/XX/XXXX, XXXX XXXX sent Huntington Bank a check for my mortgage. Huntington Bank claims a check sent out a week earlier didnt reach them until XX/XX/2022. I call that how convenient. I believe that Huntington Bank is falsely and deliberately applying mailed checks a day after their due date. As I previously stated, I have been paying my mortgage on time over the last XXXX years, and with XXXX months at XXXX using the same payment system, I have XXXX late recorded payments. 
The prior mortgage company I had, I never had to speak with them, but I have been having many different problems with XXXX and the past XXXX months where I needed to call them to fix an issue. 
I have enclosed XXXX documents to show. In XXXX, XXXX XXXX proof of payment shows that I was sent on the XXXX of XXXX and cleared on the XXXX of XXXX. XXXX proof of payment was sent on the XXXX of XXXX and didnt clear until the XXXX of XXXX. These inconsistencies are glaring and only benefits Huntington Bank.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CURO Intermediate Holdings (FL)

I disputed the accuracy and completeness of this account on XX/XX/2022 and AD ASTRA RECOVERY SERVICES certified and verified that the information being reported is accurate. After AD ASTRA RECOVERY SERVICES verified the information as being reported accurate on XX/XX/2022, I pulled my XXXX consumer report and noticed that the information is still incomplete and inaccurate. It's clear that AD ASTRA RECOVERY SERVICES failed to conduct a reasonable reinvestigation. This is a failed requirement of Regulation V under 12 CFR 1022.42 and a violation of 15 USC 1681s-2 ( b ) of the Fair Credit Reporting Act and CITI BANK NA is liable under 15 USC 1681n and 15 USC 1681o . There is abundant evidence that AD ASTRA RECOVERY SERVICES was abusive, deceptive, and unfair in their debt collection practice and it's clear that AD ASTRA RECOVERY SERVICES used false and misleading representations, causing me to be oppressed and abused. This is a failed requirement of Regulation F under 12 CFR 1006.18 and 12 CFR 1006.14 and is a violation of 15 USC 1692d and 15 USC 1692e of the Fair Debt Collection Practices Act and AD ASTRA RECOVERY SERVICES is liable under 15 USC 1692k.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (CO)

I have a credit limit of XXXX and XXXX balance right now. On XX/XX/2023 I decided to upgrade my XXXX laptop and I made a purchase through apple.com financing monthly payment option. Everything went through. I decided I wanted to upgrade the specs even more, so I cancelled that order, and tried to place another one. 

My cancellation went through, but the payment for placing a new order got denied. I kept getting this error. 

" Thank you for your interest in Apple Card Monthly Installments. 

Unfortunately, your payment was not approved at this time. 

Please go to the XXXX app to manage your Apple Card account or chat with an Apple Card Specialist. 

You can also continue your purchase by selecting a different payment method '' I didn't get a fraudulent prompt or call like I normally would. So I called Goldman Sachs support and used their text services. They said it got flagged for fraud, so they verified my identity, released it and said I can make the purchase. So I try to make the purchase again. 

Same cycle, this time I had to verify with my driver license and change my XXXX XXXX XXXX. Then same cycle again. I then call support and she says my account is completely clear, review is over. I make the purchase with her on the phone. She says it flagged it again, and now my account is under review again. It's become a vicious cycle. Even the support rep was confused and apologetic that she didn't know what was going on. I was just in a cycle of, make purchase, get denied, account under review. 

Then when an account is under review, a support agent can't tell you anything or or do anything else. Instead they just say you'll have to wait the 5-7 days for someone to call. No one ever calls. Even then, the same issue keeps happening. I can not use my card. 

At this time my account is restricted and frozen again.
Consumer complaint received 2022-12-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: M&T BANK CORPORATION (PA)

Im not sure if this is where I should take this, my daughter bought a business and my wife and I co-signed for loans because of being young and limited credit, this was XXXX, in XXXX her business failed, so knowing We had co-signed I took a home equity loan and paid the loans off, m & t bank was the bank involved. Now moving forward I received a letter from the treasury that a XXXX loan wasnt paid, XXXX of this year XXXX yrs after the fact, so we contacted the daughters bankruptcy lawyer to see what they were talking about, I have the payoff receipts and monthly receipts, but the payoff receipt has one account number and their were 3 loans it was called a bundle loans, our lawyer is trying to get the break down on the payoff where the money was dispersed, my social security is being garnished for a loan I paid, we cant afford to spend thousands on a specialty lawyer, dont know what we can do, any help would be greatly appreciated, thanks Sent from my XXXX