davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IL)

My credit was run by the following companies without my knowledge : XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX   XXXX XX/XX/19 XXXX XXXX XX/XX/19 Onemain XX/XX/019 XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX/XXXX XX/XX/19 XXXX/XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XXXX  XX/XX/19 XXXX XXXX XX/XX/19
Consumer complaint received 2019-11-04
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. (GA)

There were fraudulent accounts listed on my credit report and they were removed earlier this year. I just received notice that they Added them back on my account and wouldn't remove the accounts that were already deemed fraudulent.
Consumer complaint received 2019-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are several inquiries on my report that are simply NOT mines. I have ask the credit bureau several times to no avail to investigate each and every inquiry that does not bare an applicable account related to the inquiry. There has been sever time where I get a alert from my credit monitoring service telling me someone is applying for credit. I immediately contacted the credit bureau to notify the of the situation with no remedy.. I have seen with my own eyes. My father who is XXXX and I'm XXXX apply for credit using his Social security number and the inquiry immediately shows on my report. For this reason I have asked the credit bureau to investigate each and every inquiry but to no avil I have ask in writing as well via telephone. I've also ask for proff of all inquiries showing they belong to me ie and application bearing my name social security number and signature and address to prove that their report is completely accurate as reported but as of this date no responce was given!
Consumer complaint received 2019-10-28
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. (CA)

Equifax is aware of me being a victim of identity theft and fraud, as I have reported to them and the CFPB. I have requested that they remove XXXX  XXXX XXXX from my report. I requested that Equifax remove XXXX  XXXX XXXX with a complaint through the CFPB over 30 days ago and they still have not responded and they still have not removed XXXX XXXX XXXX. Equifax has been negligent in responding to my complaint to the CFPB and therefore, I request that they remove XXXX XXXX XXXX from my credit file.
Consumer complaint received 2019-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (UT)

Around XXXX I received a letter from XXXX ( A XXXX XXXX Company ) offering me a loan modification to increase the term of my loan to 40 years which would reduce my monthly payments making them more affordable and helping me avoid foreclosure. I called them and accepted their offer and made the 1st of three trial payments that were required under the terms of the modification. During that same month I receive a letter letting me know that the loan was being sold to PHH Mortgage and as of XXXX I would need to deal with them. I called that company during XXXX to ensure I made the 2nd required trial payment. It wasn't until XXXX that I was able to make the 2nd trial payment. However, during that phone call, the representative attempted to confirm payment of the previous loan payment amount, but when I was asked to confirm the amount and give my permission to run it, I informed them the payment amount was not correct. They fixed it, asked me to confirm the amount, and I confirmed the updated amount was correct and gave my permission for them to run it. The call ended with the representative taking my phone number to have someone from their company call me to discuss the loan modification made by the previous loan company. The next day, XXXX, I checked my bank account to find that they had no only run the correct payment which I confirmed and approved, but had also run the incorrect payment which I did not confirm nd approve. So I called them about it and they said they could possible credit the account but it would take up to 5 business days and they would most likely send a check if it were credited. I live pretty close to even and having a bank account that was in the red for around {$800.00} at that point meant I would have to pawn property, borrow money, etc. to buy gas, food, pay other bills, and generally make ends meet until a credit was approved and a check was mailed and received, if they actually approved the credit in the first place because they couldn't even confirm the loan modification was made to my account as agreed to by the previous loan company. In the end, the only way I could stop the payment was to have my bank reverse it which cost me money to do.
Consumer complaint received 2019-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. 

Chapter XXXX Bankruptcy Reference # : XXXX
Consumer complaint received 2019-11-04
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Caliber Home Loans, Inc. (WI)

On XX/XX/19, two days following the due day for my mortgage, I received a phone call from Caliber Home Loans regarding my mortgage. During this phone call, I was told by the agent that the phone call was being recorded and its purpose was an attempt to collect a debt. I was shocked that I received this notice two days following my due day, particularly in view of the fact for the past eighteen months my mortgage was paid on the XXXX and XXXX of the month I believe that the recent phone I received from Caliber Home Loans regarding my mortgage was inarguably a form of harassment. There was no need for Caliber Home Loans to contact me just a few days after my mortgage was due given the pattern how I have paid my mortgage during the past eighteen months or so. I believe that Caliber Home Loans used the fact that my mortgage was not paid on the XXXX as a form of harassment and intimidation given my ongoing efforts to obtain documents from Caliber Home Loans to corroborate the accuracy and veracity of the settlement statement.
Consumer complaint received 2019-11-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Corp Solutions Inc. (CA)

The company called Credit Corp Solutions calls my number constantly. The phone rings twice and that is it. One day, I answered and there was no one there. No one leaves a message. If I block the phone number, I get a call with the next phone number in succession. If I block XXXX, I will start getting calls from XXXX. The company leaves no voicemail, doesn't answer if I do pick up, only lets the phone ring twice. This company calls every day 7 days a week.
Consumer complaint received 2019-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

Incorrectly is still on my credit report ; Please remove the accounts as requested previously. All of these were already dismissed via XXXX claim etc // Should've been removed YEARS ago. 

Thank you for your help.
Consumer complaint received 2019-11-04
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)

Ive contact the Credit Bureaus several times asking them to remove address that arent mine and some accounts that arent mine ... they stated that they did an investigation and the results were either accurate or verified but they arent providing me with the information that they used to verify I want to see signed documents with my name on it from these companies and they arent doing that so I am unsure how to proceed to get this situation corrected. 
My car was stolen and several names and address variation on my credit report does not belong to me. 
They said it will be removed but some of it hasnt and I dont know how to go about this it is costing me money to constantly mail out letters to have this stuff removed.
Consumer complaint received 2019-11-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capital Accounts, LLC (DC)

On XX/XX/2019 I received a call from Capital Accounts LLC threatening that I owe for a medical bill. I explained to them that I am a XXXX recipient and XXXX XXXX XXXX is looking into this matter, because the XXXX   office Dr. XXXX XXXX who at the time participated with XXXX decided they were not gon na submit the bill for billing. I have explained to Capital Accounts that they are violating Sec. 1128B. [ 42 U.S.C. 1320 a-7b ] of the Federal Health Care Programs. Also I have asked them to stop calling my place of employment and that has not ceased!. I have been harassed by them on several occasion starting XX/XX/2019 to present. On XX/XX/XXXX I received an email from XXXX XXXX stating that Capital Account placed a derogatory report on my credit profile. I have file a dispute, disputing the derogatory account with XXXX, XXXX and XXXX. Due to this situation my credit score dropped by 15 points. 

XXXX XXXX XXXX office is aware that I am a XXXX recipient, I have spoken to them on several occasion about this issue. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have disputed three ( 3 ) accounts with XXXX   XXXX and Transunion on four ( 4 ) different occasions. Each of these accounts are false/inaccurate and each credit bureau has not corrected the issue.

1. XXXX 2. XXXX XXXX 3. XXXX XXXX These are multiple violations of the fair credit reporting act.
Consumer complaint received 2019-11-02
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: Experian Information Solutions Inc. (MI)

I have disputed three ( 3 ) accounts with XXXX   Experian and XXXX  on four ( 4 ) different occasions. Each of these accounts are false/inaccurate and each credit bureau has not corrected the issue. 

1. XXXX 2. XXXX XXXX 3. XXXX XXXX  These are multiple violations of the fair credit reporting act.
Consumer complaint received 2019-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I have sent letters out several times letting each credit agency know that they are reporting inaccurate information on my credit reports. They are reporting names and address that need to be deleted or removed from my report. 

my full legal name is XXXX XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX. XXXX CA XXXX my birthday is XX/XX/XXXXplease update and remove all inaccurate information from my report. 

Please remove all other names and addresses that I have never lived at. XXXX XXXX XXXX  XXXX CA XXXX. I have never lived at this address.
Consumer complaint received 2019-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2019-11-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: North American Credit Services (FL)

An collection company named ( NACS ) North American are pretending to collect the amount of {$91.00}.

When an agreement for a monthly payment plan with " XXXX XXXX '' was established since the month of XX/XX/2019, 6 payment of {$15.00} for a period of six months.

( Verified Attached, upload Invoices ).
Consumer complaint received 2019-11-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOVG, LLC (GA)

Greetings. Happy Holiday Season. Thank you very much for taking a little time to perhaps help assist me on this matter. Since XX/XX/2019 I have been diligently taking care of my personal financial obligations with respect to credit. I have been successful at taking care of my priorities. While taking care and finishing up things on my credit I come to learn that there were a couple of companies that I honestly do not recognize as mine and do not know who they belong to. I sent a each one of them all certified letters that is a formal notice that their claim is disputed. I requested Verification of debt or any proof for that matter. They all sent me the same type of letter suggesting the debt was mine without any real proof. I diligently sent a second letter asking how did they come about with that fallacious claim and by what method did they use to verify the debt or accounts being claimed in my name. They again failed to do this after 60 days of sending letters. So I tried another way to see if XXXX XXXX XXXX  or XXXX could help me look into the matter. I am humbly shocked to see that they are claiming this is mine without proof. I later learned that not having my signature binding me to any type of contractual agreement to pay them is in fact a violation. So Here it is XX/XX/2019. I am willing to take them into court for this however I am a humble somewhat modest individual who simply is seeking help from you guys now. 

Company 1 : XXXX XXXX XXXX saying I owe {$130.00} Account number XXXX**** XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX Company 2 : Bay Area Credit Service saying I owe {$860.00} Account number XXXX**** BAY AREA CREDIT SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2019-11-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fay Servicing, LLC (PA)

On XX/XX/XXXX & XXXX, the XXXX XXXX XXXX  XXXX and XXXX, representing the executrix of the Estate for Loan Number XXXX through Fay Servicing, LLC., sent a payoff request. It is now XX/XX/XXXX and they are still not complying with our request. This goes against federal law as it is not in foreclosure so they should have complied within 7 days. I have called vigorously to get the figures for the pay off amount. I then went through XXXX XXXX XXXX XXXX as it had been transferred to them and sent them the same payoff request on XX/XX/XXXX and apparently Fay Servicing is not answering them, either. Again, this goes against federal law. This is absolute nonsense that we are still trying to get a payoff amount or even an answer from Fay Servicing , LLC, more than 2 weeks later.
Consumer complaint received 2019-05-22
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: Experian Information Solutions Inc. (IN)

My identity was compromised while I was oversees. The following inquiries were fraudulently made on my account. I demand that the inquiries below be removed. 

1. XXXX  2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX   6. XXXX XXXX / XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX
Consumer complaint received 2019-11-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (NY)

SN SERVICING FALSELY RETURNED THIS COMPLAINT TO CFPB AS " DUPLICATE '', AS ADVISED BY CFPB, RESUBMITTING WITH HEADER, FOR RECORD, NOTING THAT SN SERVICING FALSELY RESPONDED AS " DUPLICATE '' WHEN OPERATING FACTS ARE DIFFERENT. 


There is a trust XXXX XXXX XXXX XXXX in Arizona that filed a foreclosure Judgement sale on our home, claiming they own our mortgage debt. 

We were advised by the prior owner of this debt, XXXX XXXX XXXX, that they sold the debt to another trust in XX/XX/2018. 

In any case, we were never notified of assignment, sale, transfer of this debt. 

Then the prior owner, XXXX XXXX, XXXX in XX/XX/2018, filed a foreclosure judgement sale - despite the fact that XXXX XXXX XXXX XXXX says they owned the debt in XX/XX/2018, but the court action was filed in XX/XX/2018 by XXXX XXXX? 

In addition, we were in the midst of a loan modification applicantIon with the prior owners of the loan, XXXX XXXX, who chose us for their RMBS agreement, and they filed foreclosure in the midst of our application, and changed the terms of the amount within two weeks of the offer. 

Also, the current " owner '' XXXX XXXX XXXX XXXX used false figures in their judgement foreclosure sale, adding on past debt already forgiven in writing by original owner XXXX. 

XXXX XXXX XXXX XXXX is attempting to sell our home based on false figures, and will not proved a qualified written request of figures, and denied our most recent modifcation application, based on their false assertion that we did not supply documents, which they never requested. 

We currently have a FOIA request to find out if XXXX XXXX XXXX XXXX actually owns the debt, and how and when they procured it, as their date of acquisition differs enormously from that of XXXX XXXX ' letter. In addition, we never received written notice of transfer of debt, and, as noted, XXXX XXXX filed foreclosure of Judgement and Sale, a year after they say they sold the debt? and now XXXX XXXX XXXX XXXX, who was not named as the party XXXX sold our debt to, is enforcing the foreclosure sale judgment?
Consumer complaint received 2019-11-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

My mortgage contacted me in XX/XX/XXXX to discuss refinancing the loan, I was surprised by the call due to fact I only had the mortgage loan for 6 months. I refinanced the loan wth the 1st being due XX/XX/XXXX @ $ XXXX. I continued to make this payments timely. In XX/XX/XXXX. I received a Escrow statement dated XX/XX/XXXX, that my new payment would be {$1800.00}. I reached out to my mortgage company Escrow line and spoke with several representatives that offered no real help or solution. As a last resort I looked at on the companies website, sent an email requesting help since I am a 1st home owner. I received a call from XXXX XXXX from the corporate office, who became my contact person. I was asking the company to reimburse me for the additional money I paid and still paying towards the Escrow shortage. After speaking with XXXX for 2 months, I was advised on XX/XX/XXXX by XXXX that the company denied any wrong doing and denied to reimburse for any funds, due to the following reason. My loan was originally with XXXX XXXX and was transferred to AmeriHome Mortgage when this was done, AmeriHome sent a check for approx $ 3k, then when I refinanced in XX/XX/XXXX, I received additional funds for approximately {$1000.00}. the company states I should have sent these funds back to them and this would have taken care of the shortage, no where on the check did it state I was to send the check ( s ) back to them, plus the funds received were used to make my monthly mortgage payments due to the fact, when Amerihome Mortgage contacted to refinance, I was unemployed therefore, I did send the funds back, but it was in monthly installments. All I want at this time is for the payment to go back to $ XXXX and be reimbursed for the additional funds I have been paying since XX/XX/XXXX to present.
Consumer complaint received 2019-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (FL)

On XX/XX/2019 I sent Midland Funding a letter letting them know that the information that was requested of them was invalid and that they needed to stop reporting negative information to my credit reports and the accounts should be closed and removed from my credit reports. Midland funding did not provide the proper proof for the accounts. They only sent me a print out of a bill, which is not valid proof of verification according to FTC opinion letter from XXXX XXXX XXXX XXXX. I sent this information to Midland Funding and they continue to report negative information to my report and did not respond to my letter. Their reporting is a violation and continues to prevent me from moving forward with my business to provide for my family.
Consumer complaint received 2019-11-04
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC (GA)

On XX/XX/XXXX I had an bad injury on my job that caused me to stay out until XX/XX/XXXX. I contacted XXXX via phone a week after my injury which I couldn't contact anyone so, I emailed and never heard from anyone until they couldn't get any funds from my account. Around XX/XX/XXXX I received a call and I explained to then that I was out of work because my XXXX was XXXX and I was only receiving only {$140.00} a week on workers compensation. They explain to me that the interest will remain daily. I paid them back every two weeks until my injury. Now I'm receiving letters to pay {$6000.00} back. So, I called National Credit Adjusters and explain my financial situation right now due to my injury it set me back on everything else and I ask why I have been charged this much. I Couldn't get an agreement other than XXXX in full which is not fair. Almost every day I get anonymous calls which I know its NCA and it's very stressful because I can not afford to pay it. Today, XX/XX/XXXX I went on line to www.ncaks.com to see if I could set up an payment plan that I can afford but they ask that I make a downpayment of {$500.00} first that I dont have.