davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (DC)

Loan was transferred to Rushmore in XX/XX/XXXX and the escrow account maintenance resulted in a payment shock without advance notice, causing potential under billing and balloon payment due at maturity. 

Facts : Account XXXX was transferred from XXXX to Rushmore in XX/XX/XXXX Upon transfer Rushmore did not acquire evidence of borrower 's homeowner insurance ( HI ) and factored HI payment in escrow calculation On XX/XX/XXXX, borrower provided evidence for homeowner insurance with no gap Starting in XX/XX/XXXX, Rushmore lowered the total monthly payment due by {$15.00} Harm : Rushmore -under calculated principal and interest monthly due amount upon transfer -improperly made the assumption that homeowner insurance was missing -when borrower provided evidence, Rushmore did not adjust monthly principal and interest payment due but kept them at the under calculated amount -the result is borrower had a payment shock without advance notice and keep being undercharged month over month -the loan would have taken longer to be paid off and if borrower do not overpay there will be a balloon payment due at maturity date
Consumer complaint received 2019-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (TX)

Diversified Consultants is reporting to the credit agencies that I owe {$1200.00} for an account with XXXX. I have never had XXXX, in fact I have been on my wife 's account with XXXX for over 20 years. Either send proof that this is mine, with a signed contract between myself and Diversified Consultants and one between myself and XXXX. I have never had XXXX and I want this to be taken off of my credit reports.
Consumer complaint received 2019-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (FL)

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX/CAPIOPART XXXX Your company have violated FCRA XXXX ( f ) ( XXXX XXXX. XXXX ( f ) ) ( f ) XXXX on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( XXXX ) In general No person XXXX company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section XXXX of this title has resulted from identity theft. 
( XXXX XXXX Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( XXXX ) after the date of a notification under paragraph ( XXXX ). 
XXXX XXXX ) Rule of construction Nothing in this subsection shall be construed to prohibit -- XXXX A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section XXXX of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX/CAPIOPART XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2019-02-27
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capitalone XXXX XXXX XXXX XXXX All these credit card companies are stating that my payments in 2018. Were late and on my credit report its showing 30 days late. I called and disputed these allegations and no resolution. 
A little background information started a program through credit counseling in XX/XX/2018 because I wanted to lower my interest rate and continue making my payments to payoff my creditors with good faith. Before this date I was never late on my credit cards.
Consumer complaint received 2019-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX AFNI, INC. 
XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AFNI, INC. 
XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. XXXX XXXX for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2019-02-27
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: BARCLAYS BANK DELAWARE (OH)

My complaint is regarding a recent dispute with my XXXX credit card with Barclay 's bank account ending XXXX the case number they provided me is XXXX purchase dated XX/XX/XXXX merchant XXXX XXXX dispute amount {$190.00} my complaint first off is i ain't Happy with how my dispute was handled the card company is going in the favor of the merchant because of them providing a tracking number that the item was recived how ever i never said the item was not received my disputed was for a different reason the item was damaged and was not new has described and i noted too the dispute represented on the phone that i did try too reach out too the seller and the seller was not responding back i understand the seller can contested this dispute how ever when this XXXX   tv was purchased from this seller on XXXX over the internet i never saw the merchandise intill it was delivered this seller has had many complaints from other customers of not receiveing merchandise or them sending items that are not working and not has described maybe XXXX or XXXX let fraudsters on there site but my credit card company is supposed to be there to protect my account information and when a purchase is made using my card online and if a seller is trying too committed possible fraud or not following through with services that are promise they need to take that serious the reason why i was not able too return item is the seller choosing too not respond too my messages and the thirty days too return the item of what was stated in there ad on XXXX  can't be done now all returns have too go threw XXXX and with the merchant not working with me in the first place and XXXX won't let the item be returned and me serious suspect potential fraud by the merchant and concerned whether my account information is truly protected against potential fraud when making purchases over the web or when a merchant on a site like XXXX or XXXX is there ripping people off i note this purchase was made on eBay but my credit card was process by XXXX but Barclay 's bank needs too handled this dispute seriously with it being made online and seriously listen too customers and this dispute needs too be resolved the right way
Consumer complaint received 2019-02-27
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. (FL)

TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 )  Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2019-02-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (AR)

I recently checked my credit report to find that this company, Capitol Accounts LLC, had placed a collections on my report in the amount of {$350.00} for a creditor named XXXX XXXX. I have no knowledge of this debt that shows it was opened on XX/XX/2018. Nor do I have any knowledge of a company called XXXX XXXX, The only thing I could find on XXXX XXXX XXXX was a law firm in XXXX.
Consumer complaint received 2023-11-22
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Cawley & Bergmann, LLP (FL)

The company called my work number on XX/XX/30, then my personal phone. I asked them to remove my work number and was assured it was done. Today I received another call on my work line and then my personal phone. I called back and asked again to remove my work number. The man refused to acknowledge that he would remove my work number and insisted on discussing a debt he said I owed. I explained he could send me something in writing to review and he continued to push to discuss the matter immediately. I asked again to have my work number removed and advised I'm not discussing the matter over the phone any further since I was unaware of what he was talking about.
Consumer complaint received 2019-02-27
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (IN)

Unauthorized withdrawals were made in XXXX and XX/XX/2019 totaling approx {$900.00}. From government issued card XX/XX/XXXX. ( Widows pension )
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I just received my credit report from Experian and it is showing a XXXX/XXXX   acct that I closed in XX/XX/XXXX and paid off in full using the XXXX XXXX as having a ( C ) for collection in XX/XX/XXXX. This account was never used or had any balance after the XX/XX/XXXX-XX/XX/XXXX time frame so there is no way that I had a collection at the date and time listed. It was also requested to be closed at that time and clearly based on the data on my report it was not done. I called XXXX and they are saying even with the use of my SS # there is no recollection of my acct or proof that I had one. So they simply cant help me with this matter. This is a derogatory mark on my credit that was done in error and I would like to have this resolved as soon as possible. I have worked so hard to improve my credit to where it is now and I am very discouraged to find this on my current report.
Consumer complaint received 2019-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (TX)

Cross country Mortgage does not communicate on escrow. 

I received a bill in Mid XXXX to and the payment went up from {$2600.00} to {$3100.00}. I called several times about why the payment went up so dramatically. They kept on explaining that it was due to taxes. So I looked at the taxes and noticed that the homestead exemption was not been issued. I did so in early XXXX and thought the issue would be resolved. But the credit was only {$350.00} a year. So I called again and they told me to do an analysis by email. I submitted the analysis still not change. Finally spoke with a supervisor and he noticed that there was a forced placed insurance that was added in XXXX going all the way back to XXXX. I closed on the house in XX/XX/XXXX. 

By law you have to pay your insurance for 1 year in advance in order to receive closing documents. I was not giving any notice that there was a forced placed insurance added nor did they ask for me to proof that I had insurance. Very upset because my XXXX payment
Consumer complaint received 2019-02-22
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Todd, Bremer & Lawson, Inc. (VA)

I have a big problem that I'm encountering with. So a university 's cashiering office in XXXX, VA claims that I owe the debt to the school. But I claim that I don't them money. Same thing with this debt collection called Todd, Bremer, and Lawson. They were begging and keep asking me like threatening me that they want the money amount from me. I don't have enough money to cover that amount. This has been going on for months since XXXX or XXXX of 2018. I may feel that both are gon na file a lawsuit and pressing charges against me in court. Am I protected under the FDCPA? I don't know if I'm gon na go to jail if I don't pay the debt to the university cashiering office and Todd, Bremer, and Lawson agency. They also were keep calling me and sending me letters about paying up the debt, but they also begged as well. I'm trying to resolve this issue, but it didn't work for me. Both have all of my information such as address, email, phone number, and other stuff on file just like looking into my information. I want them to remove all of it for good so I won't receive anything in email or mail. I don't have enough to pay the debt, they were begging me and I don't have a job that I'm working.
Consumer complaint received 2019-02-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have contacted the Texas Attorney General 's office and followed up/submitted a written complaint. 

XXXX/EQUIFAX/XXXX -- Failed to correct my credit score. REGARDLESS if the information is correct or NOT the creditor should NOT be allowed to update as if it is a NEW hit. Updating an item that is 5 years old as if it is new is illegal. Hence the reason the attorney general is now involved. I shared the attachments that showed the creditor updated for another 7 years FROM XX/XX/XXXX and then went back and corrected as if they did not do such. My score should be restored!! 

XXXX  XXXX - Regarding two ( 2 ) different accounts ending in XXXX & XXXX. Both accounts were opened XX/XX/XXXX and charged-off AND reported to all three ( 3 ) credit bureaus in XX/XX/XXXX. However, XXXX XXXX, re-aged the debt and reported it as if the debt was charged off in XX/XX/XXXX. This detriment to my credit report for this illegal act was a total loss of 71 points. XXXX XXXX/XXXX   account # XXXX is also is in violation of re-aging the debt as well. The account was charged off in XX/XX/XXXX. The detriment to my credit report for this illegal act was a total loss of 71. See exhibits  on initial complaint.
Consumer complaint received 2019-02-26
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Westwood Legal (AL)

Westwood services called my mother threatening to come to my job if I don't contact them, They said they were delivering papers to my home, and kept calling from a restricted number, The number of the company is XXXX. The guy XXXX that I spoke with wouldn't provide their company info or their address. He would only try to lure me on saying that I owe a debt that I didn't owe. When I asked him to send the alledged paperwork in writing he became irrate. I don't owe the debt, and I wish they would stop harrassing me.
Consumer complaint received 2019-02-25
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. (NJ)

XXXX XXXX loan has been fraudulently opened with my information through another company called XXXX XXXX. I contacted XXXX XXXX   and they closed the account but XXXX XXXX remains in all of my credit reports as a negative item. XXXX XXXX has received my police report and other personal identifying information needed. However, XXXX XXXX remains on all three credit reports. I want the negative item removed because it is not mine and fraudulent
Consumer complaint received 2024-10-29
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 writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2023-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-24
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.