davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-16
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)

CREDIT BUREAU XXXX XXXX XXXX Reported : XX/XX/2019 {$4400.00} CREDIT BUREAU XXXX XXXX XXXX {$810.00} CREDIT BUREAU XXXX XXXX XXXX Reported : XX/XX/2019 {$3000.00} There are no contracts, no valid claims ... accounts were settled original with creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Consumer complaint received 2023-05-05
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: Financiera Campeon, LLC dba Champion Equipment Finance (FL)

I pulled my credit and I noticed a fraudulent inquiry, that I did not approve of, nor consent to. The company that pulled my account is XXXX XXXX XXXX. I gave them no authorization or consent to pull my credit on XX/XX/23. I would like to have this removed, because they are violating my rights by law. I have contacted XXXX, and I have also contacted XXXX XXXX XXXX. I have received no response from neither. Please handle this matter as soon as possible. Please delete or remove this from my account.
Consumer complaint received 2019-03-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (FL)

I only have Social Security Benefits and in XX/XX/XXXX I applied for a Loan Modification on my home, because I had to resign from my job due to health reasons, caused by stress with my employer ( XX/XX/XXXX ). I have been looking for work everyday. Only make enough doing XXXX XXXX, so I can survive. I received a letter dated a letter dated XX/XX/XXXX offering me a Trial Payment Plan, commencing from XX/XX/XXXX thru XX/XX/XXXX. 
I accepted their offer and signed the Letter-Trial Payment Plan Offer and mailed to them on XX/XX/XXXX. My first payment for XX/XX/XXXX was made within the terms, by XX/XX/XXXX. The XX/XX/XXXX was also made by XX/XX/XXXX. 
I received a letter from Caliber Home Loans asking me to sign a Title Subordination Form and mail or EMAIL to them with 30 days. I in fact emailed the signed form on XXXX, to the email address provided in my letter. I received no other correspondence, stating they did receive the Signed Title Subordination Form. On XX/XX/XXXX I called to make my last Trial Payment and was told that my LOAN MODIFICATION was closed. I asked the SPOC employee why the Loan Modification was closed and when was that decision made. He told me that it was closed on XX/XX/XXXX, because they did not receive the signed Title Subordination FORM in time. 
I called their office again the next Monday, XX/XX/XXXX and was told that they did not receive the FORM until XX/XX/XXXX I asked where was my signed form from XX/XX/XXXX until XX/XX/XXXX. She could not tell me. XX/XX/XXXX happened to be 31 days after my letter dated XX/XX/XXXX, stated that they have to receive the signed Title Subordination FORM within THIRTY DAYS ( 30 days )??? All I was told was that my Trial Period was over and I would to reapply again for another Loan Modification, which I did on XX/XX/XXXX. Received all of my paperwork and TODAY-XX/XX/XXXX received a Letter dated XX/XX/XXXX from  Caliber Home Loans, they denied my Loan Modification. They will start Foreclosure process if I do not bring my Mortgage Loan Current or I CAN APPEAL their decision, which I intend to do immediately. I am also contacting a HUD Approved Counseling Service on Monday XX/XX/XXXX to get some help, I PRAY to stop any Foreclosure procedures. I have only been able to work doing food delivery at almost XXXX years old and struggling to HOLD to my HOUSE. I got behind in XX/XX/XXXX. I did receive a loan modification in XX/XX/XXXX after my son passed away on XX/XX/XXXX and I was his only caregiver and he had not income and was waiting on SS   XXXX.
Consumer complaint received 2019-03-29
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: AMERICAN EXPRESS COMPANY (PA)

Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : ONLY XXXX. 
ACCOUNT NAME : AMEX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX CARD, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX, AND XXXX. 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX, XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX  , XXXX AND XXXX  . 
ACCOUNT NAME : XXXX. XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX , XXXX , AND XXXX  . 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, REPORTING ON : ONLY XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX  AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ORIGINAL CREDITOR : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING DATE : XXXX.
Consumer complaint received 2019-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

Seterus has been padding my escrow account & illegally adding thousands to my mortgage. Unbeknown to me until the last couple of years I had been paying their legal fees & other unwarranted fees since XX/XX/XXXX. The bank servicer has been changed to Mr. Cooper this year & they are continuing Seterus theft. I'm sending an amortization print out with what should be balance of an overly inflated mortgage amount. My mortgage amount in XX/XX/XXXX was XXXX until they started their fictional foreclosure. I've reported this to many agencies who do nothing except tell me to get a lawyer. Unfortunately there is no such thing as pro bono & I'm a senior citizen with very limited funds & health issues. Maybe you'll be able to do what you advertise & actually straighten this out.
Consumer complaint received 2019-03-29
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: EQUIFAX, INC. (NJ)

i have delinquent accounts that do not belong to me. i attached all accounts associated and does not belong to me. 2 collections and 6 late accounts I. don't understand, please help
Consumer complaint received 2019-03-29
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. (MN)

I have tried on numerous occassion to get an issue resolved with the credit bureaus ( XXXX, XXXX  and Transunion ) without any success. Today I'm looking at some correspondence I recieved from you in regards to the account -referenced XXXX and XXXX respectively. It's occurring to me that they appear to be the same account. At the same token, whenever I disputed this account with the bureaus, they all respopnded that the account is verified. I contacted XXXX XXXX through an attorney and the account under XXXX and this was removed from my report, however and even more disconcerting is that XXXX is referring to the same account which makes no sense to me. Additionally, after incestigating there's a XXXX account referencing the same account on my XXXX credit report. I'm very frustrated and I'm hoping that you can assist me in getting some clarity to this madness. 

Much Appreciated.
Consumer complaint received 2019-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diversified Consultants, Inc. (CO)

I had called repeatedly to XXXX well before our year ending with them to not continue service after XX/XX/XXXX. They continued and tried to charge us additionally for XX/XX/XXXXand XX/XX/XXXX. When I called in XX/XX/XXXX, I was told it will be at a zero balance. Now, I am receiving calls from Diversified Consultants for the collection of {$41.00}. I am trying to build my credit to buy a house in a few months. This lack of responsibility from XXXX to do as they had said inXX/XX/XXXX to clear the account is now effecting my credit. I would like this resolved and my credit unharmed to not create a chain reaction. If this will not be resolved I will have to take both to small claims court for harrassment.
Consumer complaint received 2019-03-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (IN)

There is a charge of XXXX added to my loan showing unpaid principal but on documents it is explained as interest due and a late charge on the bill that owed since XX/XX/XXXX which is fine but was never listed on my online statement which is how I pay by the interst due is XXXX
Consumer complaint received 2019-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

my credit score went down and it's saying someone from another part of town have been using my information to buy things and I haven't bought anything in my name besides the home that I live in please help me out
Consumer complaint received 2019-03-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I have reached out to equifax several times and have had problems with customer service verifying my identity. i have sent my ID Card and social to verify my identity and still have no luck. Also they are reporting incorrect information which has not been verified correctly.
Consumer complaint received 2019-03-29
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. (LA)

Equifax ; XXXX  and XXXX are showing the XXXX  partial account number XXXX in Charge-off status for the balance amount of {$2400.00}. ( Please see page 6 of the attached credit report. ) This account does not belong to me. I never opened it and am not sure why this account is reporting on my credit report.
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My credit score was XXXX with XXXX of mortgage debt and 7 years after paying off the mortgage and a car loan with the same spotless payment record and a significant more money saved my score is slightly under 800. 
With the sleazy credit reporting companies like Trans Union leaking all the consumer data that they have, and now suggesting that those with lower credit scores should be AWARDED a higher score ( I can only guess they want to cause a 2nd housing financial crisis. What gives here. I want the score to reflect my true credit worthy status and the system will not put my credit score where it belongs because I am not filling the banks vault with interest payments.
Consumer complaint received 2019-05-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BTH Management (OH)

Plaza Services and XXXX I have no knowledge of this account have never been contacted by phone, mail or pigeon no account number or anything for this account to even know how or who to pay until I saw it pop up on my credit report. I sent a debt validation letter to this company dated XX/XX/19 certified return receipt which they received at XXXX XX/XX/19 in XXXX , GA XXXX Tracking number from USPS XXXX Delivered to front desk/Reception/Mail Room. To which they had 30 days per 15 U.S. Code 1692g - Validation of debts they must respond in 30 days with validation of debt. to this date I still have not received anything from this company. i also file a dispute with XXXX XXXX who claims that the debt is valid but no one has provided any validation of this debt or anyway for me to know who, when, why or how to pay said debt if it is mine.
Consumer complaint received 2019-03-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (MD)

Case # XXXX & XXXX RE : Claim # XXXX I am filing this complaint on behalf of myself and the three million individuals who were victims of Wells Fargo Unauthorized Accounts Fraud. By this I hope to receive a fair judgment in my favor and to bring back some needed attention to this impertinent issue for the millions of people that suffered silently through those wicked hands in which they invested their trust. Not forgetting the vastly unsuspecting public citizens and nationals, whose docile suffering apparently passes by daily noticed. Noticed by those who are placed in their charge and under whose Institutions and corporations they are made to succumb. 
We all are aware of the fact that Wells Fargo Is found Liable for committing fraud. A class action suit was brought against Wells Fargo Bank and its subsidiaries for committing these unlawful acts. More than three million of its customers were afflicted. A crime, for which, if I was found liable, would have cost me fines and imprisonment by exacting conveniently against me the full weight of the law. 
Because the liable party in my opinion is still at large I would like to ask these questions of the CFPB, in order to begin an investigation. 
1. Who give Wells Fargo a free pass to recreate its image as a trustworthy bank? 
2. Wells Fargo is in haste, spending millions in advertisement dollars to erase from the publics memory her recent untrustworthy pass. Is this ethical despite having not fully compensated all fraud victims adequately? 
3. I further humbly ask the CFPB why Wells Fargo and subsidiaries are not suffering adequately for their crimes. Is it fare for Wells Fargo to go about business as usual without proper accountability? 
4. Should Wells Fargo Bank be allowed to erase from my memory it's much recent notorious pass before first compensating me? 

Because of the above unanswered questions I fear bias and injustice from the settlement administrator and thus called for the CFPB to conduct an inquiry into their conduct of affairs. Wells Fargo institution has proven to be untrustworthy and a grave danger to the public and should never be allowed to function without proper impunity and accountability after what they have shamefully done to customers. I fear a lack of protection for those who are injured and are concerned that the settlement administrator may not be handling victims cases ethically. First of all there is poor administration for lack of correspondence with the injured. That is enough red flag for any suspecting person.
Consumer complaint received 2019-05-16
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Alliant Capital Management LLC (FL)

The company, Alliant Captial Management LLC, who's owner is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Have been calling me from the number ( XXXX ) XXXX-XXXX for the past two months asking me to pay a debt to a XXXX account I never had. When I try to explain I never had a XXXX account they call me a lair and threaten to have a lawyer sue me. I asked for a supervisor and was hung up on several times. Finally, a person claiming to be a supervisor told me the calls would stop. Yesterday, they started again using the same tactics, calling me a liar and saying their lawyer will " take action '' I asked for a supervisor and was mocked by the person on the phone who kept repeating the same words over and over like a robot. Saying " what is your date of birth '' over a dozen times. It was very strange. Apparently, this company has had many many complaints lodged against it. I am also filing a complaint with the Florida Attorney General to ask that they cancel their license to do business in Florida. They are violating the law.
Consumer complaint received 2019-05-16
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. (NC)

Equifax credit reporting agency, has violated my rights under the FCRA Section rule 611 ( a  ) ( 6 ) and ( 7 ) for investigating, communicating results and method of verification making them in violation of reporting information that according to the FCRA must be verifiable with the original creditor and any investigation name date and method of verification should be forwarded to myself for further investigation if necessary. I have requested this be looked into four times that last was on XX/XX/2019 and supporting documentation was also sent with the same results. I am a victim of Identity theft and have provided all supporting documents of such. All other reporting agencies have lawfully conducted themselves, yet suppervisors of this agencies have went as far as telling me constantly that it is not their responsibility to provide verification and that no such law requiring them to verify exist.
Consumer complaint received 2019-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been disputing inquiries on my credit report For the last 6 months with TransUnion. I have been disputing erroneous, invalid and unverifiable reporting of specific Inquiries. I called and was refused the right to dispute. I specified the account names, inaccurate info and provided my personal info each time disputed. The company website does not work after 2 months of trying to dispute online. To no surprise, they continue to violate my rights by reporting accounts and inquiries in error. This will be my final attempt to correct these erroneous, invalid and unverifiable inquiries at this level before proceeding to take further, possibly legal, action. I was very specific about the account names and the corrective action, but they ignored and/or overlooked my requests AGAIN. I sent a hand written letter in XXXX, requesting these inquiries be removed. 

In XXXX of XXXX I called to have these inquiries which, I do not recognize and did not give permission to have my credit pulled removed. Trans Union has NOT conducted an actual investigation. Trans Union has not provided verifiable proof via original instrument of indebtedness. I have on multiple occasions called over the phone to dispute inaccurate data and have been told that i can not dispute anything. The items i am questioning ( hard inquiries ) aren't disputable. I know Trans Union is not there to help me as proven over the last 6 months of disputing these inquiries. They are a for profit company who intends to conduct predatory business to keep consumers crippled. However, i know i do have rights. 

All accounts being reported on all consumer credit reports must be 100 % verifiable, 100 % accurate or they must be deleted, not updated. In the event they, once again, are unable and/or unwilling to comply, I respectfully request this entity be held accountable per violation, per account, per consumer or i will seek legal action against this company. I have attached the responses received and listed the accounts in question that am disputing. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Attached is the response letter from Transunion. AGAIN declining my request. I am asking that these inquiries be delete from my credit file as I did not initiate them. Trans Union can not seem to comply with the FCRA and the rights I do have as a consumer. I am utterly disgusted with this company and their intentional negligence. I will be filing more complains for other letters I submitted to them with similar responses.