davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-18
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Law Offices of Mitchell D. Bluhm & Associates (TX)

On my credit report ( XXXX XXXX, XXXX ) I have a collection from a creditor : MBA Law. I have no idea what this and why it's on my credit. The account was opened XX/XX/2023. I was not affiliated with this business during this time, or anytime. The original creditor is XXXX XXXX XXXX XXXX. The amount is {$1500.00}. This is not accurate. I want it off my credit immediately! This company, nor do the credit bureaus have my permission to put this on my report. 

XXXX XXXX
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ACIMA CREDIT, LLC (GA)

XXXX failed to properly investigate account XXXX account # XXXX. Ive dispute this account multiple times. The account is showing late payments with collections. The account has been paid in full. The open date is inaccurate, the close date is inaccurate, the payment history is inaccurate. Showing delinquency after closed account.
Consumer complaint received 2017-10-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (MS)

A collection agency added a report to my credit report including XXXX, XXXX, and XXXX. I do not owe this company any money. Contract was broken by the original company. The company posted on my credit report with out contacting me about the debt. Broke laws by FCRA and FDCPA. This company has not validated any debt. They have n't sent a copy of validation. They have broke laws. There is no copy of my signature stating I owe this company any money. I demand the company have this file deleted from all three credit reporting agencies.
Consumer complaint received 2017-10-04
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: Experian Information Solutions Inc. (CA)

1 ) I have sent letters to the credit reporting agencies : XXXX, XXXX, and Experian, in XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX in regards to multiple accounts that are out of the statue of Limitations in the amounts of {$7900.00}, {$5200.00} and {$780.00}. 2 ) The companies have sent  automatic been verified letter, but none of the companies have responded to my request with documentation or evidence. I have also called them multiple times with the requests to have the accounts removed. The requests were denied. 
My next step is to start a litigation again the three major credit reporting agencies.
Consumer complaint received 2017-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I disputed inaccurate information on my credit report with XXXX. XXXX responded and claimed they had investigated the information and verified the information was accurate? They advised me to contact the reporting company directly, which I did. The company in question is XXXX XXXX XXXX. I spoke with billing department supervisor XXXX XXXX on XXXX/XXXX/XXXX, and was advised that they have NO record of EVER speaking to anyone at XXXX regarding my account. Furthermore after reviewing my account the supervisor advised me the amount owe is not what the three major credit reporting companies are reporting. I asked for documentation to show them that they are reporting false information and the supervisor walked me through on how to get my statement online, ( I will be attaching that with this complaint ). XXXX never investigated so it 's clear they are willfully reporting false information on my report. XXXX claims I have a balance with XXXX for {$11000.00}. My account statement will show that 's incorrect.
Consumer complaint received 2017-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IL)

On XX/XX/XXXX I received a check and letter of explanation from Wells Fargo Account XXXX property address XXXX XXXX XXXX XXXX, XXXX, IL XXXX for {$150.00} I had a mortgage with Wells Fargo and there was a PMI amount inlcuded in the payment. The letter explained about incorrect information on how to get rid of my PMI payment. First, my complaint is that Wells Fargo never explained how their refund or settlement was calculated. Second, in the letter Wells states that they may effect my income taxes. Third, I asked about getting rid of PMI since I first got my mortgage payment in late XXXX. I had to make my first payment to XXXX XXXX XXXX, then Wells and I did inquire about getting rid of this mortgage payments and several improvements I  had to my property. What I am asking for is for Wells to refund my PMI since it was first misinformed which is late XXXX, next explain how Wells miscalculated and explained that in case of further litigation that I can still be a party in but not limited to a class action lawsuit or settlement. Lastly, Wells Fargo is responsible for covering any federal and state income tax liability and penalties their mistake cost. Including that cost of refiling both state and federal income tax with my accountant. I have been researching different cases involving Wells Fargo and do not trust them as a financial institution. When Wells sends a letter or sends a check I am suspicious of their intentions. I would like to use this situation to alert the regulators of more problems that Wells has caused, and I will reach out to my senators and US representative and members of the press to show another example of problems with Wells Fargo.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc. (CA)

In XXXX a check was delivered to Avant in order to close my account. I waited a while before checking my credit score because I know it takes time to reflect or update new information. After some time I did check my credit on XXXX where I found that Avant was still on my report. I called the company that sent the check and they responded with a copy of the check that was sent to Avant also showing that check was cashed. I realized the check was sent under my boyfriends name with my loan number. I called Avant and asked about check and I also explained the name mistake but they assured me that since the loan number was on the check it would be going towards paying off my loan. I was sure that after everything was explained my loan would be paid off and show as closed in my report. I waited yet again before checking my credit report to find that it was still open. I reached out to Avant a few times more and each time I was assured that my problem would be resolved. It is now XXXX and my report is still showing open. The payments stopped after XXXX and no activity since but it is still on my credit report and I keep calling Avant and submitting disputes on XXXX and have no answers yet. I have some screenshots of the letter they sent to my old email and some emails in my active email snd copy of the check also a screenshot of a refund to me from Avant after my loan was paid off.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX consumer service department Attn. : Consumer Relations XX/XX/XXXX To Whom It May Concern, On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were INNACCURATE. To date, I have not received a reply from you or any acknowledgement that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 
Since this is my SECOND request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 
Please see my reasons for dispute below : XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : Please remove XXXX. The inquiry was XXXX XXXXXXXX Date of inquiry : Please remove 7. The inquiry was XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XX/XX/XXXX it from my credit report. 
not authorized XXXX it from my credit report. 
not authorized I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 
XXXX Sincerely, _____________________________ XXXX XXXX
Consumer complaint received 2017-10-04
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: CORELOGIC INC (WA)

I 'm contacting CFPB to get assistance with several hard checks by the same company over a few months and also an unrecognized hard check. These hard checks occurred last year, however, they have tremendously effected my credit rating/score and needs to be addressed because of the multiple hard checks done. Please assist and advise. 
Thank you for your time. Following is a copyt and paste of the companies involved. 
Alaska XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX + Finance XXXX Inquiry from XXXX XXXX, XXXX + Finance XXXX Inquiry from XXXX XXXX, XXXX + Finance XXXX Inquiry from XXXX XXXX, XXXX + XXXX.
Consumer complaint received 2017-10-04
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: JPMORGAN CHASE & CO. (CA)

I have been checking on my credit reports daily. Recently I noticed a Hard Inquiry on XXXX of my credit reports through XXXX XXXX stating that I " opened up a credit account through XXXX '' I tried to disputed it but was n't able to because I had a pending review on another dispute I had submitted before. Just an XXXX, i have been dealing with Identity Theft since the beginning of XXXX due to the fact that my personal information was stolen by an unknown person and this person or people keep trying to ruin my credit and my my personal information by applying for credit cards and other miscellaneous offers. I want to get this fixed as soon as possible because I have been trying to get my XXXX XXXX to where I want it to be, and that 's at a excellent level
Consumer complaint received 2017-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (HI)

I instructed XXXX to close a XXXX account in XXXX. They billed a membership fee on XXXX XXXX of {$95.00}. They have been notified XXXX or XXXX times by their " XXXX XXXX '' and in writing to cancel this account. They have failed to respond and are now charging interest on a " late payment ''. I have paid all proper charges and should have a XXXX  balance.
Consumer complaint received 2017-08-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (MN)

I called Lvnv Funding LLC today in regards to a debt for XXXX $ that is reporting to my credit. I spoke to 2 people the first person offered to take my payment in full but stated that they do n't actually service my account. When I asked who does they gave me multiple names of company. I was informed that this debt was a purchased debt that they have had since 2015. I stated that due to lack of communication from the company that I would like to have this deleted from my credit and asked how that can be done. This rep was unable to tell me if any letters were mailed to me and that they wait for the consumer to contact them before they send out notice of collection agency placement. I advised that I felt like this was a violation as I was never given a 30 day opportunity to dispute. He placed me on hold and had me speak to XXXX XXXX, senior customer service manager. I asked her to provide me with a date in which communication was attempted and she stated that I needed to put that request in writing and that they would send me a letter. ( to me this would mean that they will then attempt communication ) She told me that the original creditor would have notified us that it was placed, and denied responsibility of the collection agency to do so. She then gave me the name of a different account servicer and said that they had placed my account with multiple servicers. She confirmed that she could see my account history and but still would not provide me with dates in which communication was attempted. I then requested to speak to her higher up and she kept saying that would be unnecessary, then said she was on lunch that she would take a message for her despite the fact that the supervisor ( XXXX XXXX ) has a voicemail. They also claimed that this debt was purchased directly from the original creditor however according to her they obtained it more than 2 yrs after it was charged off. When I started questioning how they purchased it directly from the creditor if there is such a large gap in time, she then stated it was probably with a different collection agency. To me this means that she is providing false information as well to make it sound more credible. And she said that she works for resergent?? How many company 's are truly attempting to collect my debt??
Consumer complaint received 2023-04-12
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. (LA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

SLS is my loan servicer that was tranferred from XXXX XXXX XXXX. In XX/XX/XXXX I filed a Ch.XXXX bankruptcy on XX/XX/XXXX our bankruptcy was paid in full and discharged. On XX/XX/XXXX I recieved a letter from SLS stating that we were late on our mortgage payments. I contacted SLS and XXXX XXXX XXXX on XX/XX/XXXX. SLS says the loan came to them behind on payments. XXXX XXXX XXXX says that we still owed fees from the bankruptcy and they collected the fees in XX/XX/XXXX after we recieved a modification. I would like to get a complete payment history from SLS and XXXX XXXX XXXX We successfully paid the terms of our Ch.XXXX they ca n't come back and say we owe money. I would like to get this matter resolved.
Consumer complaint received 2017-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MS)

I am complaining against DiTech XXXX XXXX XXXX, they increase my mortgage payments from {$790.00} a month to {$820.00} a month. Then they would n't approved me for HARP modification, after I have turn in all the proper paper work. I just got my monthly statement for XX/XX/XXXX showing I owe {$9100.00}. That is a XXXX lie, I am six months behind because I am going through a modification, my incorrect monthly payments of {$820.00} x 6= XXXX. They are cooking the books, then add injured to insult, they turn my loan over to another company. They are call XXXX XXXX XXXX XXXX. DiTech is a bunch of crooks, everything they do is illegal, I am trying to keep my home.
Consumer complaint received 2016-01-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (NC)

On XXXX XXXX, 2016 I went to the official Equifax.com website and purchased what I thought was my full credit report with XXXX credit scores from the top XXXX credit reporting agencies, Equifax , XXXX and XXXX. I received my full credit report with credit scoring, which is not the XXXX actual credit scores. I understood that it was possibly my mistake, even though their language caused the mistake. I called Equifax on the same day, XXXX XXXX, and spoke with XXXX and asked what it was that I had bought. He told me that if what I prefer is the full report with the XXXX scores he would do the following : issue an immediate refund of my {$39.00} which would be posted to my account within 3-5 business days, confirmation number : XXXX. The next step was to purchase a credit monitoring trial for {$19.00}, which gives me exactly what I want, then cancel the next day, on XXXX XXXX, so that I am not billed for monthly monitoring services. I said I was happy to pay the one-time {$19.00} fee as long as I could cancel the following day and have a full refund of the first report. He said yes. 

On XXXX XXXX I now have my report with scores. I am pleased. Upon approved instruction from Equifax , I called back to cancel the trial. They told me it was cancelled and gave me a confirmation number of : XXXX. I did not, however, receive any email confirmation, as I had asked for, in both circumstances. Moving on. Before I ended the call I asked that they confirm my initial refund for {$39.00}. The service representative ( did not understand the name but he was male ) said that refund was not issued and that he would take care of it. Again, no email confirmation of this. 

On XXXX XXXX I still have no refund. I called Equifax and spoke with XXXX. He told me that no refund had been issued and that he had to escalate this to their investigations department who needed to review and approve such refunds and those take 7-10 business days IF approved. He told me this is how they all are handled and that he did n't know why the other XXXX Equifax representatives responded the way they did. Again, no email confirmation. 

Today is XXXX XXXX. It has been 22 days since this all began. I want my refund of {$39.00}. It is my hope that on XXXX XXXX, 2016 I am not charged with a monthly monitoring fee. If so, I 'll be going through this all again. Thank you CFPB for your assistance in this matter.
Consumer complaint received 2017-08-22
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: EQUIFAX, INC. (DC)

After I submitted a dispute with Equifax, and they investigated, as is my right under FCRA rules, on XXXX XXXX, XXXX, I requested information on the investigation itself : Please see attached letter from me to Equifax for details. They ignored my request. So on XXXX XXXX, XXXX, I sent them a letter ( attached ), informing them of my intent to file a claim with the FTC. They ignored this letter also. I am now filing a claim with the CFPB, which has been designated by the FTC as the agency with which FCRA violations should be filed.
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. (TX)

I sent my dispute letters and uploaded proof of Address. I need all negative accounts remove immediately. 
EXPERIAN 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 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 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 2017-08-22
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (AK)

At XXXX this morning I received two text messages " Thank you for being a Caliber Home Loans, Inc. customer. As you requested, the cell number on your account has been updated. '' " Thank you for being a Caliber Home Loans, Inc. customer. As you requested, you have been unsubscribed for eStatements. '' I called Caliber - and after explaining my concerns, twice, my call was redirected to the XXXX XXXX XXXX. The dealership stated no relation to Caliber. I called Caliber back a third time and they did not answer their line and disconnected the call. I called my spouse, filed a police report, emailed a letter from the Identity Theft program. Attempted calling several numbers listed on their website with no connection to any information or individuals possible.
Consumer complaint received 2017-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (NH)

Someone used the last four numbers of my social security account to open an account at XXXX XXXX XXXX XXXX somewhere in Texas for {$1800.00}. I am not sure what date it was, but in XXXX XXXX, 2017 Security Credit Services purchased this fraudulent loan, and proceeded to try to collect this bogus account. I tried to talk to them but they wo n't budge.
Consumer complaint received 2017-08-22
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. (GA)

This derogatory mark on my report does not belong to me. I 've never heard of this business it must have been identity theft or some other error.
XXXX XXXX XXXX, Opened XXXX XXXX, 2016