davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-25
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Hameroff Law Group, P.C. (AZ)

Copper state financial filed lawsuits against me for debts and amounts I have never owed to them. I have been going back and forth  with them since 2011. The information has been removed from my credit report because they are unable to show proof of my debt. They did however get a default judgement since I was unaware of a court date. The debt is false they just keep sending a paper with my signature that I signed after a debt collector told me if I did n't sign it I would be placed under arrest for theft. This paper was signed a year after the company claimed I owed them money, no original paper work has ever been provided with my name or signature. I was truly afraid I was going to jail and had 4-5 calls a day threaten ing me.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I received correspondence from XXXX XXXX XXXX servicing that my Department of Education Loan ( account ending in XXXX ) was subject to Cares Act forbearance during which I would not need to make payments and no late reporting would be made to Credit Bureaus ( see Cares Act notice ). 

On XX/XX/XXXX, I paid off my Department Of Education loan in full ( see Paid in Full letter ). 

According to my Payment History with XXXX ( see Payment History ), the forbearance period for my loan ended in XX/XX/XXXX. Subsequently, late payments and delinquencies were reported to credit bureaus when loan payments were not made between XX/XX/XXXX and XX/XX/XXXX ; the account was marked 90 days late ( see XXXX XXXX, Transunion account summary ). 

XXXX never notified me that my loan was no longer in forbearance prior to XX/XX/XXXX after receiving he Cares Act Notice. The Cares Act Notice clearly states advanced notice was to be provided prior to forbearance period ending. I never received such communication from XXXX ( see XXXX Inbox ). 

My XXXX student loan was improperly reported late to credit bureaus and XXXX and Credit Bureaus have not fixed the problem despite repeated disputes and correspondence.
Consumer complaint received 2017-06-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (TX)

Lender received loss mitigation package 40 days prior to sale date, refusing to review for options.
I will not give up the fight. This little house has been in our family for over 60 years and I am going to do my best to keep it the family. I am eager to talk with the Judge about the 11.99 % interest, eager to discuss with her the lender enforced insurance charged to me month after month, year after year, eager to discuss the modification loan papers where I was told that I had to have all my paperwork in 37 days to be considered for a loan modification. Then when thepaperwork was in the 37 days, to be told this week by a Caliber employee over the telephone that it was 37 days plus another 3 to 5 days needed to consider the paperwork then 37 days to process the work. I have a letter written about a month ago from Caliber that they need 37 days to process a loan modification. Nothing was ever said about the extra 3 to 5 days for whatever, then the 37 days began. Nothing was ever said about needing 42 to 45 days for the loan modification process. This is always how it is with them. Every time I apply I am one day short, two days short or some other reason. Never do I get anywhere with them.
<P/>
There is one more item I need to cover with you. About 4 years ago   XXXX   XXXX   had a fierce hail storm and there was property damage in almost every city and town. My home here ( where I have lived for 42 years ) was damaged.   XXXX   XXXX   XXXX   XXXX   issued a check for repairs and my house was repaired quickly. The  XXXX  property was damaged also and   XXXX   XXXX   XXXX   XXXX   issued a check for {$24000.00} for repairs. The insurance company sent the check first to  XXXX , asked them to sign the check and send it on to me to make the needed repairs. However,  XXXX  kept the check. They could not cash the check. My name was on the check and it would have been forgery for them to sign for me. So they just kept the check. No amount of urging from the insurance company could get them to get the repairs done, so they just sold the loan. The insurance company still had the funds for the repairs. A few weeks ago,  XXXX  had another hail storm, the roof again was damaged. There are roof leaks into the house. But, the insurance would not issue a check for those repairs since they had already issued a check to cover a new roof. I talked with  XXXX   XXXX   XXXX   about the previous damage and the check that had never been cashed to get the repairs completed from the first storm damage. First they told me they could not reissue a check that far back, then we kept talking about the first damage and the first check, and talking about it and talking about it that now they have issued the {$24000.00} check for all the repairs. Since I have done so much already, this will allow us to get new garage doors and hopefully new blown-in insulation in the attack of the house. The summers here can get to 109 degrees in the summer. This will help in the winter months also.
Consumer complaint received 2017-06-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (MI)

I was notified by my mortgage lender of a company called Midwest recovery systems who placed an item on my credit report for {$930.00} for a supposed pay day loan. I have not taken payday loan since  XXXX  and I had my bankruptcy finalized in  XXXX . I have never heard from this company nor any loan company via phone, mail, or email. It just suddenly appeared on my report. I attempted to contact them and they just threaten me. They refuse to provide any support to their claim and it is having a negative impact on my credit. I have read they are a scam and many people are having difficulties. I want this removed from my  XXXX ,  XXXX , and all to other credit reports
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am personally submitting this complaint regarding late payment entries on my credit record. Upon examining my files, I discovered these late payment notations. Despite sending correspondence about this issue more than 30 days ago, I've received no reply, nor have I been provided with adequate validation. I request your assistance in addressing this matter swiftly and effectively.
Consumer complaint received 2017-05-25
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. (DE)

Upon being denied from a lender for " multiple inquiries '' from Equifax report, I decide to check my reports from all credit bureaus for accuracy. I have realized that there were a few credit inquiries on my Equifax that I DID NOT authorize and had no knowledge of. I contacted Equifax and had no relief. Please see that the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation none of these companies received any identification or authorization from ME to pull my credit for any reason.      1.   XXXX   XXXX   XX/XX/XXXX   2.    XXXX   XXXX   XXXX    XX/XX/XXXX  3.  XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX   4.    XXXX    XX/XX/XXXX   5.  XXXX   XXXX   XX/XX/XXXX
Consumer complaint received 2017-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have sent  XXXX  several letters regarding the inaccurate information they are reporting to credit bureau but they consist on continuing sending false information and they also are re-ageing this account to keep it on my credit report longer.This is really hurting me financially and mentally.   I recently disputed this account with the credit bureaus and the information was reported as verified and accurate.I 'm sure we both understand that most disputes are often conducted using software, such as  XXXX , and that mistakes can be made.   On  XXXX  -17 I sent th em a certified letter asking them to investigate. Also to send me an explanation of the methods used, and a description/copies of records reviewed, when they conducted their investigation so I can conduct my own investigation into the accuracy of their records and verify that a reasonable investigation was completed. According to FCRA if they can not perform a reasonable investigation they have to remove this account from the credit bureau ASAP!   If not i will sue. The original creditor can be held liable for reporting inaccurate informati on (   XXXX  vs.  XXXX ,  XXXX  vs.  XXXX   XXXX   ), the FACTA legislat ion passed recently allows the consumer to go directly to the original creditor and dispute information which the original creditor ( called the information furnisher ) in the FCRA, has supplied to the credit bureaus.   .
Consumer complaint received 2017-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I have asked  XXXX   XXXX  to review the way they have been reporting my credit to the  XXXX  credit reporting agencies. On  XXXX   XXXX ,  XXXX  they stated " we reviewed the account and found it was charged off on  XX/XX/XXXX  with the first date of delinquency being  XX/XX/XXXX . '' They further explain " based upon our research, we have determined that the information we originally reported was indeed correct. '' Federal law requires them to report with accuracy and integrity. They are not required by federal law to report any information.  XXXX    XXXX   has reported the charge off on my credit report for the past 73 months. A charge off is a  XXXX  time IRS write off on a worthless debt. Reporting the charged off every month does not meet the " integrity '' of the credit reporting. I spoke to  XXXX  in customer care on or about  XXXX   XXXX ,  XXXX  and she stated that " We do not remove information from the credit reports. We treat everyone the same. '' That tells me that I am not the only one that been effected by this type of reporting. I had  XXXX  credit cards closed by  XXXX  banks even though I had not missed a payment fo r two year s because of the way  XXXX   XXXX  has reported this account. I was turned down for a mortgage in  XXXX  of this year, not because of the charge off, ( after all it is 6  years old  ) but because  XXXX    XXXX   has reported it every month making it look like a new charge off.  XXXX   XXXX  bank has caused personal damage to me as I have been turned down by  XXXX  credit card companies,  XXXX  mortgage and my ability to rent a home.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I'm contacting you about fraudulent personal information linked to my identity. Accounts and transactions have been wrongly attributed to me without my awareness or consent, causing substantial distress. As an identity theft victim, I've promptly reported this incident. This issue demands immediate attention due to its adverse effects on my financial standing and reputation. I request your help in quickly removing all fraudulent data from my credit report and conducting an in-depth investigation. I'm ready to provide any required evidence and, if necessary, take legal steps to defend my rights and seek proper compensation. Your swift response to this critical matter is greatly appreciated.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2017-06-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IN)

Did not receive any notification that  Student  Loans were given to  Navient  to be serviced. Did not receive any statements, bills or notices from  Navient  with loan numbers amounts or any information. Had no idea that  Navient  even had any loans until  credit score drop ped over  XXXX  points and we pulled a copy of our report to see why. Then we saw we had  5  loans reporting as past due. How can a company do that without ever sending a statement, bill or any type of notification or even try to contact you to collect a payment prior to reporting it to the credit bureau. With  a Private Student Loan and Parent Plus Lo ans it was easy to overlook this smaller loan amounts. All other loans were thru  XXXX   XXXX  which we 've had no issues with. I just do n't understand how a company can work like this and give no notices to consumers.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

My consumer report contains accounts associated with identity theft, which I never authorized in writing or with a wet signature. Following my recent communication with your organization on this issue, I now formally demand the immediate blocking and removal of these accounts from my report. Their presence has inflicted considerable emotional and financial harm by misrepresenting my credit history and obligations. If not properly resolved, I am prepared to take legal action to protect my rights and seek redress. These fraudulent entries have obstructed my pursuit of critical financial objectives, including home ownership and providing for my family 's needs.
Consumer complaint received 2024-11-11
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. (TX)

I am a victim of identity theft. Please delete or remove these items on my behalf.

These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX Bankruptcy Account Number : XXXX Inquiry XXXX XXXX
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing a formal and urgent complaint against XXXX XXXX XXXX for their blatant disregard of the Fair Credit Reporting Act ( FCRA ) and their gross negligence in failing to validate and verify an account listed on my credit report. The reporting of this inaccurate and unverified account has not only severely damaged my credit score but has also wreaked havoc on my financial standing. This egregious act has caused me significant hardship, including difficulties in obtaining credit, exorbitantly high-interest rates, and immeasurable stress and frustration. The reckless and irresponsible behavior of XXXX XXXX XXXX has inflicted undue harm on my financial reputation and stability.
Consumer complaint received 2017-06-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (LA)

I was placed on  XXXX  leav e in 2016. Asked for a modification Packet from Ocwen. Completed the packet in its entirety. Certified the packet back to Ocwen. They  would not contact us, respond to emails, phone calls or certified letters.   2 months later they sent us a notice to foreclose.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing a formal and urgent complaint against XXXX XXXX XXXX for their blatant disregard of the Fair Credit Reporting Act ( FCRA ) and their gross negligence in failing to validate and verify an account listed on my credit report. The reporting of this inaccurate and unverified account has not only severely damaged my credit score but has also wreaked havoc on my financial standing. This egregious act has caused me significant hardship, including difficulties in obtaining credit, exorbitantly high-interest rates, and immeasurable stress and frustration. The reckless and irresponsible behavior of XXXX XXXX XXXX has inflicted undue harm on my financial reputation and stability. XXXX XXXX XXXX XXXX Balance Owed : {$1500.00}
Consumer complaint received 2017-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Chase  closed ALL my credit cards ( tota l 3 ) . The only rationale they have given is " compliance ''.  <P/> Closing my accounts will result a lowered  credit score , despite my effort to resolve this issue, Chase has refused to work with me. I held a security clearance and my background was scrutinized by the department of defense. All my income are verifiable via  XXXX  or  XXXX . Every purchase is explainable. There should be no reason that I am offending any of their " compliance '' regulations.  <P/> They closed all my accounts  X/XX/2017
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing an urgent complaint against XXXX XXXX for their clear disregard of the Fair Credit Reporting Act ( FCRA ) and their failure to properly validate and verify an account listed on my credit report. The inaccurate and unverified account reported by XXXX XXXX has significantly damaged my credit score and financial standing. This has led to considerable hardship, including challenges in obtaining credit, increased interest rates, and substantial stress. The actions of XXXX XXXX have caused undue harm to my financial reputation and stability. XXXX XXXX XXXX Balance Owed : {$480.00}.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 


XXXX XXXX XXXX # XXXX
Consumer complaint received 2017-06-05
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. (IL)

Accounts were opened fraudulently. The following accounts still remain on   XXXX   & Transunion.   XXXX   XXXX   XXXX  , opened  XX/XX/XXXX &   XXXX   XXXX   XXXX   {$590.00}, opened  XX/XX/XXXX . The exact same accounts was on  XXXX  however   XXXX   was able to remove the accounts. All   XXXX   bureaus were sent the exact same information to fix the dispute.
Consumer complaint received 2017-06-05
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: 360 MORTGAGE GROUP LLC (SC)

During  XXXX  a property tax dispute caused me to get behind on monthly payments to  360 Mortgage. 360 pursued what I deemed to be a wrongful foreclosure. ( Please see 2 prior CFPB complaints for details ). Fort unately the foreclosure was completely 'cured ' in  XXXX  of  XXXX  and all court action/s dismissed.     Even so, as of  XXXX / XXXX / XXXX  my home is listed on a public web-site as in foreclosure. Apparent ly 360 while pursuing a punitive foreclosure based on a very credible difference of opinion h ired  XXXX   XXXX   XXXX  to market my home for sale.  XXXX   XXXX   XXXX  then published information on my house, that as of  XXXX   XXXX ,  XXXX , has not been removed, updated nor corrected. I recently sent 360 and  XXXX  instructions to take down the false information and immediately stop advertising my house as in foreclosure or having been foreclosed.     This information has resulted in damage to my credit, my ability to get a new job and/or my ability to transact business.  360 Mortgage demonstrated bad faith throughout this process and their failure to remove this information and/or instruct their vendor to do so continues a pattern of horrible market conduct that should be punished. 360 wrongfully pursued fore closure and then continued to market my house for months directing others to publish false, inaccurate, and incorrect information.     I spoke with  XXXX  at length and they assured me they were simply following the direction  of 360. I put both 360 ( and it 's foreclosure atty  ) and  XXXX  on written notice of this issue. As usual, I have yet to get a response. 360 has again demonstrated unfair trade practices, and perhaps breached RESPA requirements/standards.