davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-02
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Collectibles Management Resources (CA)

XXXX $ XXXXOriginal : Not Available Opened:XXXXReportedXXXXAct. # : XXXX : Unknown Received threatening letters and phone calls from this company between months of XX/XX/2022 to XX/XX/2022 and it is definitely affecting my life and lively hood to purchase a home and business loan from the bank please help me resolve this issue ASAP please and thank you I have not supplied proof first under the doctrine of estoppel by silence, engelhardt v. rick stevens graves ( mo281 SW 715, 719, ) I presume that no proof of the alledged debt, nor therefore any such debt, therefore any such debt, in fact exists.
Consumer complaint received 2022-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CLGF Holdco 1, LLC (IL)

I got a Destiny credit card in mail today. I never applied for it, so called company and they had all my information. When I told them I did not apply she said cut up and they will investigate but also to contact you guys.
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Professional Finance Company, Inc. (DE)

XXXX XXXX XXXX - Balance reported as XXXX starting on XXXX was the collection XXXX XXXX XXXXXXXX Balance reported as XXXX starting on XXXX was in collection PROFESSIONAL FINANCE XXXX Balance was reported as XXXX starting on XXXX XXXX XXXX XXXX  Balance was reported as XXXX starting on XXXX XXXX XXXX XXXX Balance was reported as XXXX on XXXX PROFESSIONAL FINANCE balance was reported as XXXX on XXXX XXXX XXXX XXXX balance was reported as XXXX on XXXX XXXX XXXX XXXXXXXX  balance was reported as XXXX on XXXX XXXX XXXX XXXX Balance was reported as XXXX on XXXX PROFESSIONAL FINANCE XXXX Balance was reported as XXXX on XXXX PROFESSIONAL FINANCE XXXX  Balance was reported as XXXX on XXXX ACCOUNT NAME UNKNOWN Balance was XXXX as of XXXX XXXX XXXX Balance was reported as XXXX as of XXXX XXXX XXXX Balance was XXXX as of XXXX XXXX XXXX  Balance was XXXX as of XXXXXXXX XXXX XXXX  Balance XXXX as of XXXX XXXX XXXX XXXX  Balance was reported as XXXX as of XXXX XXXX XXXX Balance was reported as XXXX as of XXXX XXXX XXXX Balance was reported as XXXX as of XXXX All of these accounts are listed as MEDICAL accounts at a time in which I had health insurance and I was told that the premiums for each visit would be covered. This information on my report needs to be reviewed because I do not feel that I should be held reliable for these charges. Thank you
Consumer complaint received 2022-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act Account, XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

I HAVE ALL OF MY BANK STATEMENTS SHOWING THE PAYMENTS THAT I HAVE BEEN DILIGENTLY PAYING, ESPECIALLY THE EXTRA PAYMENTS ON THE PRINCIPAL AND IVE FILED COMPLAINTS SEVERAL TIMES AND INSTEAD OF CORRECTING THE PROBLEM THEY DO THE OPPOSITE AND TAKE MORE MONEY AND ADD IT TO MY PRINCIPAL AND I BELIEVE THAT THEY ARE PURPOSELY DOING THIS BECAUSE THEY CAN!!! I WOULD LOVE IT IF SOMEONE COULD HELP ME FOR I AM FRUSTERATED AND VERY CONCERNED I AM FAR FROM BEING RICH!! THANK YOU XX/XX/XXXX XXXX XX/XX/XXXX {$1500.00} XX/XX/XXXX Escrow Only Payment {$00.00} {$00.00} {$1500.00} THEY ARE REVERSING ; MY PAYMENTS AND THEN JUST TAKING THE MONEY OFF MY PRINCIPAL AND THEN THE MONEY JUST DISAPEARS .... 
.SHELL POINT MORTGAGE COMPANY DBA NEW REZ XX/XX/XXXX {$3200.00} XX/XX/XXXX Escrow Only Payment {$00.00} {$00.00} {$3200.00}
Consumer complaint received 2022-09-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (ME)

Servicing of the mortgage transferred from XXXX to Rushmore effective XXXX XXXX, 2022. As of XXXX XXXX, 2022, borrower had not been informed of the servicign transfer so borrower made a regular monthly payment of {$540.00} to XXXX. XXXX put that payment into suspense, then on XXXX XXXX, 2022 XXXX transferred that payment to Rushmore. Rushmore did not apply that payment to the loan account, but instead applied it to the escrow account. There was no justification for Rushmore to apply this payment to the escrow account which was not short. The wrongful application of this payment put the loan into default and triggered the imposition of late fees and letters from Rushmore to the borrower wrongfully asserting that the loan was in default.
Consumer complaint received 2022-09-02
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: Experian Information Solutions Inc. (TX)

accordance with the fair credit reporting act XXXX Account XXXX ( XXXX XXXX ), has violated my rights. 
15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. With all do respect i've reported this account twice now please take action you have no idea how bad having this certain account on my account.
Consumer complaint received 2022-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

accordance with the fair credit reporting act XXXX  Account XXXX ( XXXX XXXX ), has violated my rights. 
15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. With all do respect i've reported this account twice now please take action you have no idea how bad having this certain account on my account.
Consumer complaint received 2022-09-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (OH)

I had payment protection on my XXXX  XXXX credit card when I lost my job I authorized them to pay the balance which I know happened. However XXXX XXXX took my account and sold it to Midland Midland refuses to validate the debt they can't because it was paid in full to XXXX XXXX  and yet it Still Remains on my account. 

I was forced to pay this again to get it off my credit report because it is impacting my ability to get a mortgage. 

BUT Midland keeps reporting it anyway Paid in full again confirmation number XXXX. Collector XXXX XXXX. From the XXXX MI office. And even though I expressed to him that this was paid he readily accepted a payment because he was more concerned about his bonus structure than actually resolving an issue for the customer.
Consumer complaint received 2022-09-02
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)

XXXXDEPT OF ED did not purchase the promissory note from XXXX : XXXX XXXX All allege contracts are completely fraudulent & the attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity of identity theft & power of attorney fraud. Please expedite the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, & losses due to me being a victim of identity theft. The FDCPA is intended to secure my right to privacy & my privacy has been breached. I am sure the removal of my information from your company records, and/or with any corporate aliates like Experian, XXXX or XXXX to ensure my privacy rights won't be violated again due to my lack of consent. Please BLOCK & REMOVE all information resulting from Identity Theft pursuant to FCRA 605B ( 15 USC 1681 c-2 ) which states that these accounts must be removed within 4 Business Days. 

XXXX has failed to provide with the actual contract. XXXX has only provided a photocopy of the contract, which includes a variation of my name, but ITS NOT my name. XXXX and XXXX are two different names even though they are identical. 

For an example, XXXX would be someone different from XXXX, as XXXX is Not XXXX. 

The driver license the contract displays is NOT my driver license number. The signature displayed is NOT my signature either. 

I have attached a copy of the FTC identity theft report. The account in detail is listed at the bottom of my FTC report.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXXXXXX - Balance {$150.00} Account Name : XXXX XXXX XXXX XXXX XXXX - Balance {$55.00} Account Name : XXXXXXXX XXXX XXXX # XXXX - Balance {$1700.00} Unauthorized inquiries 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
Consumer complaint received 2022-09-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

On XX/XX/2022, I requested a forbearance extension via their online web portal. Today, XX/XX/2022, I received a message stating " Due to the status of the account, we are unable to submit the forbearance extension via the Message Center. ". This company gives me trouble every time I attempt.to extend my forbearance. I am entitled to six more months and it has required a CFPB complaint for the account to be fixed each single time. This is beyond egregious. 

I also submitted a mortgage relief application through the state, and the state has said that they have been waiting on a response from the servicer for about a month now. As I said before, all of SLS 's actions appear targeted to result in foreclosure.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2022-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Bank # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

Experian sent me an email dated XX/XX/22 stating that they are denying my request. My request was not made in error, it was not made on the basis of material misrepresentation of fact by me in relevance to block identified transactions, and they determined that I have received possession of goods, money or services. In order to determine that they would have to search my home to find any goods that they speak of in which they have not. 1681 cXXXX states that they are required to block information no later than 4 days and Experian refuses to do what they are obligated to do in requirements to federal law. 
I've asked for permissible purpose that they have on file and they never sent any documents proving so, nor have they provided an investigative consumer reports. Its clear to me that Experian does not care that the banks are dependent upon fair accurate credit reporting and they also do not care bout their affirmative and continuing obligation to protect and secure the privacy and confidentiality of consumers nonpublic information. 
I have filed an identity theft report, XXXX XXXX XXXX reports, and a XXXX reports.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX this is not a 3rd party I am submitting this complaint myself all documents and identification is in attachments. Please see attachments for what happened with my Situation.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. 

Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, TransUnion has failed to adequately address and resolve the issues at hand. 

Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. 

I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. 

The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. 
The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. 

I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.
Consumer complaint received 2022-09-02
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-02
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: Experian Information Solutions Inc. (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late purpose.
Consumer complaint received 2022-09-02
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: Experian Information Solutions Inc. (CO)

! FRAUD ALERT! XXXX XXXX XXXX / XXXX account opened without my knowledge in XX/XX/2022. Noticed and disputed XX/XX/2022 Experian, XXXX and XXXX. Attempted to contact XXXX XXXX, XX/XX/2022 - Robo answering service is suspicious - requires input of personally identifying information with no option to speak with a live representative. Disputes have not resulted in the removal of this account from my credit report. I did not open this account. Identity theft. Do not extend new lines of credit.! FRAUD ALERT!
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.2. Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , has violated my rights.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 USC 1681 Section 602 A. States I have a right to privacy 15 USC 1681 Section 604 A. Section 2 States a consumer reporting agent can not furnish my account without my written instructions 15 USC 1681c. ( a ) ( 5 ) States that no consumer reporting agency may make any consumer report containing any of the following items of information : any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer repo