davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (LA)

I have been in contact with my mortgage company since XX/XX/XXXX when I was having financial issues, and my pay was cut in Half. I lost time being out for XXXX etc. There was so much miscommunication every time I called. I have stayed in contact with the mortgage company contacting them continuously and providing any information they needed. One representative I spoke with in XX/XX/XXXX stated the only option I had was to split the late payments up and add them on to my next payments. This would increase my payment each month. How can I pay more if I am unable to make a normal payment!! I told her this and she had already set me up with this arrangement! I said that I couldnt do it and to let me speak with someone else. Spoke with another representative that stated I was approved for the forbearance that they only wanted the question what has gotten me behind XXXX if I would be able to resume payments normally afterwards. Which I answered. Called back in a week and they said I was not approved for anything and the questions did not satisfy the big decision makers. the collection emails, calls and even coming to my home hand delivering letters. I have gotten a new job as of XX/XX/XXXX. I have made several payments every time I am paid and I am now due for XXXX according to the representative I spoke to on The phone in XXXX XXXX when I paid another payment. Today I received a letter regarding intent to foreclosure today. This letter was sent even after speaking with them and making payments. Never once gave me any helpful info. I took it upon myself to speak with a HUD COUNSELOR and he has been helping me and telling me what rights I have and assisting me with how to speak with the mortgage company. This is the reason I am contacting you today.
Consumer complaint received 2023-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (NY)

MY TD CREDIT CARD WAS HACKED. I CALLED TD AND THEY SAID THEY ARE SENDING ME TO DISPUTE AND WILL CANCEL THE CARD I WAS TOLD A NEW CARD WOULD BE SENT TO MY HOUSE BUT TWO DAYS LATER WHEN I CHECKED MY CARD I NOTICED MORE MONEY WAS TAKEN OUT. 
I CALLED TD ONCE AGAIN AND WAS TRETED DREADFULLY AND WHEN I WAS SENT TO FRAUD THE PERON IN THAT DEPARTMENT SAID MY GOODNESS YOU WERE HACKED WHILE THE CARD WAS IN TD 'S POSSESSION. IASKED THEM WHEN WOULD I GET MY MONEY THEY SAID IF ITS PROVEN A FRAUD THEN PERHAPS IM60 DAYS THEY WILL DECIDE TODAY I RECEIVED A LETTER FROM TD DENYING THE FRAUD
Consumer complaint received 2023-01-04
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: EQUIFAX, INC. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. I found that under section 605b ( a ) Equifax, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$800.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3200.00}, and XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2017-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (PA)

my credit report from XXXX says I lived at a address that I never lived before and debt is from XXXX which I never had a electric bill in my name with a balance of XXXX dollars I even took paper work to them to prove I never lived at the address tried to do everything they ask of me
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (LA)

The Amounts are over inflated, filled with out our knowledge, and all the mortgages filled on my behalf, were paid in full through third party closing title companies. 

The individual who I did borrow monies from was paid back in full for all debts owed by myself or my company. 

There are XXXX properties involved that were all purchased cash, and I hold the deed and title to my property. 

This lender XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX instructed Title Closing Companies to withdraw most or ALL FUNDS from our XXXX XXXX. XXXX XXXX XXXX furnished in the later part of XXXX a loan statement that provided numbers from XXXX. ( none of these numbers are correct on this report and the report does not even list the property addresses, and amounts paid towards balances. Seven months of loan documents were not even provided. 

Through extensive research on my part, I have obtained all Checks associated and all closing documents from 3rd parties. These findings are unbelievable! I have been taken by a XXXX XXXX XXXX 

I am now being served " NOTICE OF SEIZURE '' to leave my Homes that are paid in Full. Been everywhere with this horrific situation. XXXX XXXX XXXX VIOLATED MY ANTI TRUST LAW acting on my behalf as my ATTORNEY, LENDER, REALTOR AND TITLE INSURANCE PROVIDER filling FRAUDULANT DOCUMENTS ON MY BEHALF XXXX XXXX XXXX WAS RELEASING TITLE FOR THE SALE OF MY HOMES UPON COMPLETION BUT NOT RELEASING A DEBT NOT OWED ANY FURTHER.
Consumer complaint received 2024-08-27
Product: Credit reporting 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-01-04
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX 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 2023-01-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TN)

I was contacted by my mortgage company Rocket Mortgage on XX/XX/XXXX by XXXX XXXX about refinancing my loan or borrowing money against it but I declined. Then XXXX called me again on XX/XX/XXXX to pressure to borrow. Then on XX/XX/XXXX Rocket Mortgage Banker XXXX XXXX started calling, texting and emailing me pressuring me to refinance my existing loan. He committed mortgage fraud by misleading me that my current interest rate was 6.2 % on 24 years and to pay {$4800.00} in closing fees to refinance to 5.99 % on 15 years while doubling my monthly payment would be best. My loan is actually currently at 2.99 % on 24 years and I have already refinanced this loan with Rocket twice in 4 years. I started the procedure but on XX/XX/XXXX I figured out the scam and I contacted Rocket in writing to XXXX XXXX stating to cancel my loan request. I also told XXXX this on the phone the same day. All my requests were ignored and I was ambushed with calls and texts from Bankers XXXX XXXX, XXXX, XXXX, and XXXX XXXX pressuring me to refince the loan. On XX/XX/XXXX XXXX called me and was told to cancle the loan and stop calling me. He immediately called back 30 seconds later. No matter how many times I requested to not be contacted and stop the loan application Rocket would not take no for an answer and cancel the loan. Rocket was named and lost a class action lawsuit in XXXX for this very practice. I was forced to file a XXXX XXXX XXXX complaint just to get the loan cancelled and the harassing sales contact to stop. After the XXXX complaint XXXX XXXX from Rocket responded that the bankers did not make the alleged statements but the contact would stop. All calls are recorded with Rocket so this statement is false. I would like for Rocket to stop contacting me and be prosecuted for the mortgage fraud and XXXX XXXX to be terminated and prevented from committing mortgage fraud to future clients.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under trafficking according to XXXXDebt Final Rule XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc. (UT)

so Avant closed my account without me knowing. They also overcharged me {$56.00} dollars and then said that they credited it back. Well how can I use this if my account is closed I asked, and can they send it to me in check? I asked what was this overcharged fee for? XXXX said couldn't give me a straight answer. kept putting me on hold. I asked to escalate the call and speak to a supervisor/ manager or anyone above her she said they were all busy. Even after an hour they were all busy. when I asked for the refund information XXXX said that it will take three weeks and then at that time it will be considered for approval. They have been overcharging me for fees that should've been refunded such as cash advances and using the card every month even if the card isn't used which should be the only time that I'm charged anything. They wanted me to pay for the {$56.00} that they overcharged me and when I argued that I was filing a federal complaint they said then it was going to be refunded. I have recorded conversation and financial statements from the company app to prove they maliciously and deceptively tried to scam me
Consumer complaint received 2023-01-04
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 2023-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had XXXX XXXX at XXXX XXXX  for my nephew XXXX XXXX Three days service XXXX  was exactly the same in all aspects Room Charge for Day 1, XXXX XXXX Day 2, XXXX Day 3, XXXX XXXX XXXX Thus I am due for refund  XXXX for Day 1 room overcharge Medical Supplies : Day 1, XXXX Day 2, XXXX Day 3 XXXX, thus I was overcharged XXXX XXXX for 2 days equal to XXXX XXXX Total credit due is XXXX plus XXXX XXXX which equals XXXX
Consumer complaint received 2024-10-01
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bounce AI, Inc. (IL)

I have received a notice from collection agency ( Bounce AI , Inc ) that I owe money for purchases done in XXXX and XXXX. Original creditor was XXXX XXXX. I have never made any purchases with installment agreement for any purchases for XXXX. I never opened any debit cards under my name. I have never received prior correspondence with regards to outstanding balance. 
I strongly fill that my personal information was compromised, I have contact Police Department and made report. I strongly fill that I am not responsible for any outstanding balance.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

i have linked the previous response the company XXXX XXXXXXXX XXXX XXXX said in the last CFPB complaint for reference which I find unsuitable. The company stated I was willing to pay them for a debt i have no knowledge of and ill and wrongfully stating to have sent me proof of validation on XX/XX/22 when that is false they have not sent me proof of ( proper ) validation regards to the FDCPA, XXXX and the FCRA including a breakdown of all fees including all collection as well as medical charges. To claim i owe them and not provide proof of the listed validation, contract they claim to have with my signature of agreement to pay them ( they claim ) is absurd. They will not be receiving any funds from me till their claims are proved to be correct. They don't even have my real address which is also proof they are just throwing things onto people 's credit and I will not tolerate this and they have no consent to add anything back onto my report till they prove their claims to me and they have a duty to prove proper reporting to me not the other way around. The company even took more than 30 days to response till i made the CFPB complaint which also is in violation of the law which I will also bring to me to court as evidence of the predatory practices if they so choose to feel the need to report onto my credit report again after mentioning to them him they have no consent till they provide ( PROPER REQUESTED EVIDENCE OF THE ITEMS LISTED ABOVE ). XXXX and equifax I will also hold accountable for sitting back, seeing this happening and deciding to stay out of it when you have a duty to report accurate information and you are not just as well as they do ( XXXX XXXX XXXX inc )
Consumer complaint received 2017-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

On XXXX XXXX an electronic payment was made to XXXX XXXX XXXX in the amount of {$930.00}. XXXX XXXX XXXX is one of the biggest banks that perform transactions on the weekends ( based on my experience ). I 've never experienced anything like this before. Apparently the Federal reserve does n't conduct business on the weekend which I did not know therefore not completing my traction until Monday? See attached documents from XXXX XXXX XXXX verifying when the payment was submitted/remitted and was submitted to XXXX XXXX XXXX asking to correct the reporting type. I have never been late with a mortgage payment. I need this removed from my credit file.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX, # XXXX.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I DID NOT CONSENT TO THE FURNISHING OF THE LISTED ITEMS. PLEASE PROVIDE PROOF THAT I GAVE CONSENT TO LIST ON MY CREDIT REPORT OR REMOVE IMMEDIATELY