davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-23
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. (FL)

I submitted a request that certain items on my credit reports be removed. I experienced identity theft a few years ago and do not recognize these accounts, nor did I authorize them. I received a response from all 3 bureaus that the items were valid. There is no way these items are valid. 

On my XXXX report I have a XXXX XXXX  XXXX XXXX Opened XX/XX/XXXX {$1200.00} Original creditor : XXXX XXXX XXXX account reporting which is not mine. I also noticed the following inquiries which are not mine and fraudulent : XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX On my Equifax report I noticed the following accounts which are not mine and fraudulently being reported : XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX   {$1200.00} XXXX XXXX XXXX {$30.00} I also notice on my Equifax report a CHILD SUPPORT account which should not be on there because I do not owe child support nor am I on child support. I have a few time before informed them of all of the things I am including in my complaint. I have also submitted identity theft reports, etc and filed a police report. 

With XXXX  I have noticed the following fraudulent accounts and inquiries XXXX XXXX   XXXX {$1900.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$30.00} Inquires : XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX - Card Service Inquiry from XX/XX/XXXX XXXX - Card Service Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-03-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (AZ)

XXXX XXXX XXXX is reporting the same XXXX account debt twice and after numerous attempts to have one of the duplicate debts removed they refuse saying that the accounts are accurate but, they are duplicate accounts with the same company they refuse to remove 1 of the accounts which is a duplicate
Consumer complaint received 2019-11-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

I have attempted to fix fees charged through sams club credit account handled by synchrony bank, by calling, in, and I always get representatives in another country who can barely speak English. I went ahead and just called this morning, since I received a late statement. Making my payment late and their rhetoric, is to repeat the most recent information on the card. I asked about the fees and she simply brushed me off. I requested a change of address and she placed me on hold over 10 minutes. This is unacceptable. I need customer service in the US or a creditor that will actually service the needs of the public before placing the needs of the bank first.
Consumer complaint received 2019-11-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (TX)

I wish to learn the number of Public Service Loan Forgiveness qualifying payments you've made since starting repayment. 
I have asked for them to look into how many qualifying payments I have made and to appeal the payments that I made during my residency and still do not have an answer. this is from XXXX
Consumer complaint received 2019-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (VA)

XXXX XXXX XXXX, XXXX Consumer Finance Protection Bureau Via Consumer Finance.gov website Subject : paralleling XXXX XXXX line The report of my death was an exaggeration. 

I submit this note of concern not simply because an alleged credit reporting agency claims I am deceased but, hurt feelings aside, this obviously false claim can kill my credit rating! 
Yes, mistakes do happen. Of broader importance is the agency ( the poorly named Sagestream ), its crony bank ( XXXX ), and the retailer ( XXXX  which apparently refers to the wide space between sales and service ) which chose the bank, have clearly indicated they do not give a XXXX. 
This awkward tale began with an attempted web purchase from XXXX linked to a cost saving if I agreed to apply for their credit card. Subsequently I received on XX/XX/XXXX a letter using my formal name XXXX XXXX, from XXXX ( an institution previously unknown to me. The letter dated XX/XX/XXXX said it was unable to approve my credit request as Sagestream reports applicant is deceased. 
Well. When I received the latter I called Sagestream on XX/XX/XXXX. Twice. Twice was put into a voice mail. Presented my problem. To date I have not received a response. Perhaps they are embarrassed? 
Moving up the line, on XX/XX/XXXX, I called XXXX where I was told, repeatedly, it was not their problem, I should call Sagestream. I finally asked for the banks fraud division. I was connected and with patience explained the situation. My reward was to be disconnected. 
Moving further up the line, I called XX/XX/XXXX XXXX/XXXX  XXXX to explain the problem and the obvious danger to my credit rating. I was told the matter would be referred internally and I would hear back in 30 days. I explained that a month dead would Really do damage to my reputation. He referred me to another number that referred me to another that flipped me back to the XXXX credit card company. Ive actually been to the real ( rudely-called ) XXXX XXXX where manners are far better. 
I do know if I am trapped in the company of XXXX, incompetents or gamers. I do know that given my past experience as a news reporter, I will not let this misbehavior lie.
Consumer complaint received 2019-11-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (TX)

I was attempting to refinance my home. The mortgage company Caliber Home Loans had quoted me a new rate and I had eSigned documents and provided my tax and pay stubs. On XX/XX/19 I received an email saying I had locked in the loan and then the agent taking care of me just vanished. I tried getting following up but nothing happened, I eventually received a letter saying I had canceled the process and so they would stop processing my refinance.
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NC)

I do not own that debt. An insurance company called XXXX enrolled me on a policy that I didnt sign up for through one of their agencies. I told the agency I did not want the policy and did not sign the paperwork that they sent me via email to officialize the policy. However the agency went ahead and enrolled me without my consent. They however cancelled it after two months but forgot to cancel back the other two months. All happened without my knowledge. Only to realize yesterday that they sent the debt for the two months they didnt cancel to a collection agency. I called both the collection company and XXXX and they agency. The agent from the agency told me that he was going to correct the error and notify XXXX that I was signed up in error. But when I tried to call XXXX several times today, it seems they put my number on voicemail or blocked it. So Id like to get the collection removed from my credit file
Consumer complaint received 2022-09-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (AK)

My XXXX  passed away in XX/XX/XXXX. My father had passed away previously in XXXX. Shortly prior to her death, she refinanced her home and and transferred her mortgage from US Bank to a reverse mortgage. 


I was appointed the Personal Representative ( XXXX XXXX ) for her estate. My XXXX XXXX  estate did not go through probate, because he had a living spouse and they had signed a community property agreement. Under the terms of his will, she was his sole heir. 


When I went through her paperwork, I discovered an escrow refund check from US Bank. The check was made out to both my parents and dated XXXX days prior to my mother 's death. Because I have no authority over my father 's estate, I was not able to cash the check. I contacted the bank and asked them to reissue the check payable either to her alone, or to her estate. 



Since then, I have talked with the bank several times, and worked with XXXX XXXX in their Life Events department. The bank sent me a letter acknowledging me as the " XXXX in XXXX '' on the property, but I haven't had any further communication from them. When I have tried calling the contact in the Life Events department, I get voicemail. I have not received a call back. I have given them several weeks to respond to emails, but there has been no reply. 

I have also tried calling back to the mortgage department, but they are unable to help with closed mortgages. When I have called, I have been transferred to various departments, but it seems to be an unusual situation and no one is sure how to handle it.
Consumer complaint received 2019-11-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (TN)

Home loan was acquired by Flagstar bank soon after closing in XXXX of XXXX.  The original lender was XXXX XXXX XXXX. County tax information was included in loan paperwork but they failed to include city taxes. Flagstar Bank failed to catch this error, despite servicing many other homes in the same town/county, and after more than two years, we were served with a lawsuit from our city for unpaid taxes. After MULTIPLE conversations with Flagstar and Flagstars legal department, we were unable to determine what happened. I refinanced the same property in XXXX of XXXX, with Flagstar, and had a clean title and, unbeknownst to me, city taxes were NOT included once again. Flagstar has since debited my new escrow account for the XXXX  and XXXX city taxes without my knowledge. This was done after several phone calls, from me to Flagstar, demanding answers to why the taxes werent paid and about the pending foreclosure by the city of XXXX XXXX. With no communication about the steps being taken by Flagstar to resolve this problem, I received a new escrow account summary with two large amounts taken out with no explanation ( these amounts also include penalties and legal fees for the delinquent taxes ). This has brought my new mortgage payment up more than {$160.00} a month. Not only did Flagstar not catch this obvious error that I had no knowledge of, but they failed to include city taxes in my new refinanced loan and, therefor, my closing documents and monthly quote were incorrect when I refinanced in XXXX of XXXX.
Consumer complaint received 2019-11-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: HW Holding, Inc (OH)

Hunter-Warfield does not own this debt and this debt is invalid. Hunter-Warfield was persuing an alleged debt for XXXX XXXX XXXX XXXX in the amount of {$3300.00}. I have already had two attempted lawsuit 's, in the wrong state which had to be thrown out. Also, the amount of the debt is outrageously invalid. As of now, a law firm- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . are persuing legal action with an alleged balance of {$2700.00} for XXXX XXXX XXXX XXXX. This debt is not owed and is not my debt. This debt needs to be removed from my credit report. Thank You
Consumer complaint received 2019-11-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (FL)

I do not have a signed contract nor any contract with CREDIT MANAGEMENT. I have never done business with this company. I am not liable for collection from this debt from I am not responsible for this debt with CREDIT MANAGEMENT. I demand request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, fault, or recalled consumer product, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claims as a loss with any insuring entity during the period it may have  been payable. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint will be sent to you by certified mail with proof of delivery and will also become part of a formal complaint to the XXXX XXXX XXXX. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the trade line. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA. ( Hence this company is not licensed in the State of  Florida to collect on ANY debt. )
Consumer complaint received 2019-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The following accounts are fraudulent and a result of identity theft. They are not mine. They are currently reporting to XXXX  XXXX XXXX XXXX XXXX The following inquiries are not mine reporting to XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX The following inquiries reporting to XXXX  and Experian XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX The following accounts are not mine and reporting to Experian and XXXX  XXXX XXXX  XXXX   {$950.00} XXXX  XXXX  XXXX XXXX XXXX {$760.00} XXXX XXXX {$260.00}
Consumer complaint received 2019-11-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (KY)

XX/XX/21 I signed into the website to make a payment. It was so stressful then by the time I got signed in it wouldnt take my payment. So I called them. Well since they recently sold my loan to another company it was too new of an account so thats why it wouldnt allow me to. Then they wanted to charge XXXX $ to take the payment over the phone and XXXX  $ thru the on- line system. This is not right! I didnt pay it I went to the post office and sent a money order because they said my online bill pay from my bank could get lost in the mail and to send a regular check, which that makes no sense! Still cost me just as much because I needed delivery confirmation! Its very stressful! I bought Money order too because I wasnt about to send a personal check to get lost
Consumer complaint received 2019-11-23
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 (PA)

I had a XXXX procedure done at the XXXX XXXX for {$850.00} back int he XXXX of 2019. I was not happy with my XXXX and submitted supporting documents to Barclays/XXXX and they sent me letter that I won the dispute and credited my account the {$850.00}. A few weeks later, they illegally overturned the dispute. I contacted the office of the President and she promised to return my call, which she did not and I have attempted to call her to no avail. This is now affecting my credit score/report. This is now in litigation for the excessive damage done to me.
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Credit Karma (NY)

I have been denied for XXXX different credit card 's that Credit Karma said that I was pre approved for. This action lowered my credit score. I believe that I was denied due to Credit Karma not doing a complete job on their end. I also think they should be made to compensate me for the waste of my time and also for my score going down due to their fraudulent activities.
Consumer complaint received 2019-02-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Applied Data Finance, LLC (CA)

This has been going on since XX/XX/2018, calls started with XXXX XXXX XXXX trying to collect on a debt they said was placed with them from XXXX, I explained I didn't owe anything on a loan with XXXX that it has been paid off. Calls continued, I contacted XXXX  on XX/XX/2018, and was told I didn't have a loan balance and the loan I did have was placed with XXXX and had been paid off. I explained this to XXXX XXXX XXXX, but the calls persisted. I've never received a collection letter, or correspondence of any kind except for the phone calls. Last person I spoke to at XXXX XXXX XXXX was XXXX XXXX XXXX. I spoke with XXXX, said loan was " paid satisfied '' - as shown in attachment, spoke with several people their and they advised me as did XXXX that this was a " Scam ''. I have since been contacted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX and he also gave another contact XXXX XXXX XXXX XXXX, when I explained I didn't owe anything on this loan, he stated that XXXX or XXXX " probably didn't close out the loan ''. I then received a call stating I was going to be served a summons within the next 24 - 48 hrs.
Consumer complaint received 2020-09-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (WV)

On XX/XX/2020, my paypal account was sent {$4500.00} & {$5000.00} thru friends and family. This what sent from a friend. I went to transfer some of it since I needed this money especially after everything 's happening do to the Coronavirus. However, I couldnt bsend it thru a card, a bank, or even a wire transfer nor friends and family, even had my brother send me a payment thing to my account for exact amount in my account since his goes straight to his bank. Still nothing. PayPal limited my account just a few hours later. I couldnt do anything or show any proof as to this is my account and it was legitimate. 

XX/XX/XXXX I believe my friend was supposed to refund his money back since I couldnt find the screen too. However this ended up being worse since he did a unauthorized transaction, he believed it to be more a default setting nothing he did technically is what he explained to me. On the XXXX paypal rules in my favor even though thay wasnt the point. 

On 2 of XX/XX/2020, after sending all my info describing all my issues and doing everything ask of me by the 15 different agents I spoke to paypal closes my account for suspicious activity. For reasons not really understood even though I had read the policy and have sense.

I tried numerous times trying to speak to someone however I rrcieved a bit or the same message saying sorry for any inconvenience and how the closing of the account was final and couldnt be disputed. They don't say to you it cant be disputed in there policy on closing of the account.

Now they are saying I have to wait for 180 days to withdraw my funds. This is ridiculous in nature especially in a pandemic as we are in.

This was all do to PayPal restricting a paypal cash account without any reason too and also so to husband setting up the account for me not understanding the difference between this kind of account and a buisness account. When trying to fix the errors in the account and limitations is ultimately what causes the account suspension. Had paypal advised the issue would have raised I could have kept from it.
Consumer complaint received 2019-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc. (PA)

I currently have an account of {$280.00} owed to NCC business services. This account is in collections from an apartment complex called XXXX XXXX XXXX in South Carolina. The account was placed into collections in XX/XX/2018. I have never lived in South Carolina and have owned a home for the past three years. I am not renting an apartment. I have spoken to both the XXXX XXXX and the collection agency and have not been able to resolve this.
Consumer complaint received 2020-09-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I have sent a total of 4 letters to XXXX, XXXX  and Experian regarding student loans on my credit report. The companies listed above have violated my rights under the the FCRA and CARES ACT.

1. I sent letters disputing the student loan accounts on the following  dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 None of my disputes to these accounts have been noted and added to the comment section of my report. This is a violation of section 623 of the FCRA. 2. Per the CARES ACT H.R. 748 ( 116 ) borrowers of Federal student loans were granted a six-month pause on their payments and they were to be listed as on time payments, but the bureaus have 120 day late payments and charge off listed for the months of   XXXX until XXXX of 2020. 


3. The bureaus have different dates listed for the date of last activity, how can this be possible when they are coming from the same data furnisher? This is also a violation.

I have attached proof of my previous correspondence AS WELL AS PROOF OF THE INCONSISTENCIES ' ; BEING REPORTED BELOW.