davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (OK)

I HAVE DISPUTED OVER AND OVER THE CMRE DEBT ON MY CREDIR REPORT FOR VALIDATEION. iT GETS REMOVED FROM SOME CREDIT REPORTS BECAUSE THEY CAN NOT VALIDATE THE DEBET. I KNOPW NOTHING OF THE DEBT ANT NEVER HERD OF THE DEBT OR EHO THE PARENT WAS THE DEBT WAS BEFORE CMRE BOUGHT THE BAD DEBT. 

CMRE INSISTS ON READDING THE DEBT TO MY CREDIT REPORTS OVER AND OVER AFTER THEY ARE REMOVED WHEN THEY CAN NOT VALIDATE THEM AND STARTING THE CLOCK OVER ON THE STARTING DATE OF THE DEBT WHICH IS ILLEGAL ALSO. NOT TO MENTION THIS IS NOT A DEBT THAT IS XXXX OR I HAVE HEARD IOF, PLEASE REMOVE THIS FROM MY XXXX   CREDIT REPORT AND COUNSEL CMRE FOR BAD AND ILLEGAL BUSINESS PRACTICESES.
Consumer complaint received 2023-04-17
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$12000.00}
Consumer complaint received 2023-04-17
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)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$12000.00}
Consumer complaint received 2020-10-08
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. (NJ)

XXXX, Experian and XXXX  has been reporting inquiries on my credit reports that I did not authorize. 
On XX/XX/2020 I applied for financing at XXXX XXXX XXXX in XXXX, NJ. I urged their sales team to only apply for financing at one bank, I found out later it was more than three banks. Here are the ones not authorized : XXXX - XXXX XXXX XXXX - XXXX. XXXX XXXX 's XXXX - XXXX XXXX XXXX  - XXXX The other inquiries on my reports I do not recognize and are otherwise fraudulent : XXXX XXXX - XXXX and XX/XX/2020 XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX  - XX/XX/2020 AND XX/XX/2020 XX/XX/2020
Consumer complaint received 2020-10-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (NY)

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Consumer complaint received 2023-04-17
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require XXXX and TransUnion to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2020-10-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TDF Financial Services, Inc. (CA)

On XX/XX/XXXX I deposited the refundable amount of {$20000.00} for a surety bond with TDF financial services XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX phone # XXXX, XXXX and XXXX On XX/XX/XXXX I received a letter saying that the business shut down, That my surety bond was canceled effective XX/XX/XXXX And that the cancellation would be effective 30 days after that, and then that I should wait 60 days for them to issue my refund. They stopped answering the phone and emails : On XX/XX/XXXX I got a hold of XXXX and she told me that they were still in the process of shutting down that they only had three people working and that was the reason it was taking too long that they would be sending letters with any new information. 
On XX/XX/XXXX they sent me another letter apologizing for the delayed response. They said that their team was limited to three members working as fast as possible to get the information out that I should have information coming out by the end of XXXX, another month went by, I kept trying to call XXXX but she never returned my calls, I sent many emails and finally on XX/XX/XXXX I received a letter from them are telling me that they are insolvent and have insufficient funds to refund the XXXX trusts :
Consumer complaint received 2023-04-17
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. (FL)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2020-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (AZ)

I have no debt nor do I owe any Debt to Monterey Coll SVC and I have never done business with Monterey Coll SVC, I Have been harassed by Monterey Coll SVC For at least 4 years now. Monterey Coll SVC has committed many consumer violations against me, I have received calls at my place of employment in the past continually Which is a Violation Of 15 U.S. Code 1692c. ( a ) ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. They also have ruined my reputation and have disabled me from being able to achieve financial stability with their negative reporting, I have been unable to secure a home lease for me and my family which is a violation of The FDCPA 15 U.S. Code 1692d. ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I was also threatened by an employee that used abusive language which Is also a violation of the FDCPA 15 U.S. Code 1692d. ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. These are all violations. 


XXXX at ( Ext XXXX ) Is the Employee who used abusive language. 

Monterey Coll SVC States That I owe {$1100.00} In which I Do not. 

I Sent out correspondence in which I uploaded those correspondence that I sent here In the file. 

I asked that they provide - Validation of the Debt That is, the actual accounting. 
- A copy of the Contract binding both parties ( me and them ), In a letter by " certified mail '' So that their is an independent " Witness to it having been delivered. '' I have Given Monterey Coll SVC 30 Days to respond to my Correspondence and they have indeed not responded to my request. 





Delivered Tracking # : XXXX Recipient Address : Monterey Coll SVC XXXX XXXX XXXX XXXX XXXX XXXX, CA CA XXXX 1. PRE-SHIPMENT INFO SENT USPS AWAITS ITEM, XX/XX/2020 XXXX XXXX, XXXX, AZ, XXXX 2. ORIGIN ACCEPTANCE, XX/XX/2020 XXXX XXXX, XXXX, AZ, XXXX 3.  PROCESSED THROUGH USPS FACILITY, XX/XX/2020 XXXX XXXX, XXXX, AZ, XXXX 4. SHIPMENT RECEIVED ACCEPTANCE PENDING, XX/XX/2020 XXXX XXXX, XXXX, AZ, XXXX 5. PROCESSED THROUGH USPS FACILITY, XX/XX/2020 XXXX XXXX, XXXX XXXX, CA, XXXX 6. PROCESSED THROUGH USPS FACILITY, XX/XX/2020 XXXX XXXX, XXXX XXXX, CA, XXXX 7. ARRIVAL AT UNIT, XX/XX/2020 XXXX XXXX, XXXX, CA, XXXX 8. OUT FOR DELIVERY, XX/XX/2020 XXXX XXXX, XXXX, CA, XXXX 9. DELIVERED LEFT WITH INDIVIDUAL, XX/XX/2020 XXXX XXXX, XXXX, CA, XXXX The Document was signed for.
Consumer complaint received 2020-10-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Aqua Finance, Inc. (TX)

A sales person by the name of XXXX came in to our business to offer us a water filtration system called XXXX. He tested our water and said that it had XXXX causing chemicals and that we were at high risk of getting sick from it. After discussing the product for a while we decided to get it installed. He said that the total was XXXX and that the monthly payment was going to be {$90.00} a month for 6 years. He showed us a peace of paper where I had to provide my social security number to see if we qualified for additional savings. To which he then said we qualified for three free months. What we didnt know is that what he was doing was opening a credit card with Aqua Finance in  the amount of XXXX. We have been paying our $ XXXX monthly bill amount for a little over a year now and just found out that we are actually paying a financing company who charges interest every month for the unpaid monthly balance. Our balance is XXXX as of XXXX which means that in this whole year we have been paying mainly interest and only about {$270.00} has gone towards the water system. The only reason we found out in because my daughter opened a bill from them and reviewed it and let us know about this issue. We were absolutely never advised that a credit card loan would be opened and that there were interest fees on top of the XXXX. My daughter checked their XXXX reviews and XXXX reviews which are filled with people complaining about being scammed by them too. They are a fraud. They lie and take advantage of the XXXX community that doesnt speak much XXXX. I called the company Aqua Finance and they told me to call the sales people at XXXX XXXX. I called XXXX XXXX on XX/XX/2020 and they advised that they cant do anything and to call Aqua Finance again. They just keep sending me back and fourth. Please help.
Consumer complaint received 2020-10-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (AZ)

Unfortunately, the service was inadequate because the mortgage loan processor XXXX XXXX XXXX, # XXXX provided false information that caused a denial in my FHA refinance. I was told to stop my autopayments and that the loan processor would coordinate for notary to come to my house for the closing costs to be collected in early XXXX. I emailed and called the loan processor multiple times to find out she got promoted late XXXX in which she did not communicate. My loan was handed off to another loan processor in which has yet to communicate with me. Come XXXX I felt it was little odd that i still didnt receive any correspondence regarding my payment or closing and I called to make a payment for the 2 months totaling roughly {$3700.00}. The rep that took my payment said that this was bad news for me since the loan processor did not communicate i was subject to being disqualified. I was on XXXX and was making my payments on time she should've said to continue until we closed but she didn't which is very frustrating and disappointing. Because of the lack of professionalism, ethics, and communication I am now INELIGIBLE for a refinance. I reached out to the supervisors that gave me what was a superficial apology but i never received a formal apology for the mistake of the loan officer or the lack of communication. I am stuck with this loan company for another 6 months.
Consumer complaint received 2020-09-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION (MD)

I made a deposit at a Navy Federal ATM, the lesser amount was returned, I was then give this receipt, from their " Navy Federal ATM '' machine. 
I filed a claim. My claim was denied! 
. Now I have a receipt from Navy Federal ATM that is undisputable and witness of, and video surveillance from a major store of this incident happened in. 
How can my claim be denied? 
Come to find out upon speaking with a supervisor at Navy Federal. I  was notified that the Navy Federal ATM 's are not owned and operated by Navy Federal The agency that owns and operates the Navy Federal ATM 's, make their own reports of the activity of the ATM 's This allows them to have the ability to make false statements about money deposits though their ATM 's. 
The agency reported no overages of money deposited within the ATM. 
Sounds Strange when I have a receipt from the their machine that I deposited money and clearly states that my money was not returned by this machine now they can't find my money!!!!
Consumer complaint received 2018-05-19
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. (CA)

I have been disputing this incorrect debt for months and, the verification of this debt has been malicious and false, I have been contacted by XXXX XXXX, they sent documents of the debt trying to verify this debt is mine, and the documents they sent has no signature and I want them to provide my signature verifying the debt is mine,
Consumer complaint received 2020-09-21
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 — Problem with personal statement of dispute
Company: Exeter Finance, LLC. (TX)

At the time of the late payment XX/XX/2020 I was severely impacted by COVID-19. And my job went on furlough and the Texas unemployment had me on hold while they verified with my employer. I incurred a late payment from the finance company on my credit report. The late payment was not a good indicator of my actual credit worthiness.
Consumer complaint received 2020-08-20
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. (NV)

I AM VICTIM OF AN IDENTITY THEFT WHICH MEANS SOMEONE STOLE MY INFORMATION AND OPENED A FRAUDULENT ACCOUNT WITH MY ID AND SOCIAL. THE ACCOUNT AND THE CHARGES ARE NOT MINE, I NEVER REQUESTED THIS ACCOUNT TO BE OPENED, I NVER USED THIS ACCOUNT AND THE PAYMENT MADE ON THIS ACCOUNT ARE NOT AUTHORIZED BY ME. I AM VICTIM OF AN IDENTITY THEFT. I DON'T KNOW THE NAME OF THE PERSON WHO DID THIS, OTHERWISE I WOULD REPORT THEM AS WELL.
Consumer complaint received 2020-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Caliber Home Loans, Inc. (UT)

Caliber Home Loans is reporting an erroneous late on my account. I recently checked my credit file and noticed this late. I made my payment on a weekend and they didn't process it until Monday. Reporting this late is absolutely absurd. My payment was available to them on XX/XX/2020, that is not late! I have tried contacting the company directly but can 't ever get through to them through the phone. I was not late and never have been late on my payments on this account. I need this late to be removed/fixed.
Consumer complaint received 2020-08-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

On XXXX XXXX I went to chase bank ( located at XXXX XXXX XXXX, XXXX, Tx XXXX ) to exchange small bills for large bills. I had {$6000.00} in smaller bills ( 20/10 ) and went to the drive through to exchange it for 100s. The teller greeted me, gave me the money in an envelope and left. 

On XX/XX/XXXX, I see a {$2000.00} withdrawal from my account. For the item description, the bank states, we have deducted {$2000.00} from your account. Ive called the bank and emailed them and nobody can answer me why.