davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Let 's first start out & state that I'm the person of record. I give permission for the CFPB to pursue legal action against XXXX XXXX XXXX TRANSUNION LLC for not complying with federal regulations. This is my 2nd complaint for the same issue. XXXX XXXX CLAIMS THEY NEED AUTHORIZATION TO RELEASE MY INFORMATION OR THAT I'M NOT THE CUSTOMER OF RECORD. LET 'S GET THE RECORDS STRAIGHT. I AM THE CUSTOMER AND XXXX XXXX XXXX TRANSUNION ARE DAMAGING MY CREDIT. THE 1ST COMPLAINT # 'S WERE XXXX & XXXX & BOTH COMPANIES CLAIMED I'M NOT THEIR CUSTOMER... INTERESTING! 
HERE IS MY ORIGINAL COMPLAINT - XXXX XXXX XXXX XXXX XXXX  XXXX A. ( USB ) is damaging my credit & reporting inaccurate information under the name XXXX XXXX with the account # XXXX. I have requested proof of a legal binding contract along with verification & validation of a legal debt. USB has provided nothing. USB has damaged my credit over the last 8 months and I'd like them to be held accountable for their negligence. I'm providing documentation proving my request & their lack of response. Additionally, all 3 credit reporting agencies have failed to investigate this matter. They have provided no proof of their investigation nor have they provided any legal proof of a binding contract with XXXX. I would the CRA 's to remove the account from their reports at once. Lastly, in my disputes I requested information which was never provided. Based on the Administrative procedures act they have defaulted by not responded within the required time frame. In so doing they have given up their right to report any information nor are the holders in due course. I need the following account removed from my credit report immediately.
Consumer complaint received 2023-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am submitting a CFPB complaint to report an alarming incident of identity theft. Upon receiving my credit report, I was astounded to discover multiple accounts that I did not initiate or have any knowledge of. It is imperative that you take immediate action to remove these fraudulent accounts as per the FCRA Section 605b which mandates Credit Reporting Agencies to delete any information listed on an ID Theft Report. I have attached relevant documents to support the blocking of the erroneous information being posted on my report. Kindly provide prompt assistance in resolving this issue. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$8000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Rest assured that I did not initiate or authorize anyone to open these accounts on my behalf. It is essential to note that FCRA Section 605B ( a ) clearly states that Credit Reporting Agencies must block any information in a consumer 's file identified as resulting from identity theft not later than four business days after receipt. I expect you to take immediate action to adhere to the FCRA regulations and promptly block the identified fraudulent information from my credit report.
Consumer complaint received 2015-06-19
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: AMERISAVE MORTGAGE CORPORATION (TX)

Went to Amerisave and I have been having problems getting the loan. I paid for the appraisal {$400.00}, but they are really dragging their feet. I have been trying to get loan since early XXXX. I requested a refund of the {$400.00} appraisal but they would not give it back or give me a copy of the appraisal. They are making excuses and postponing the loan. They keep making excuses that they need more and more paperwork.
Consumer complaint received 2015-06-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ceannate (CA)

The company FMS Investment Corp. XXXX informed me that I would be participating in the Loan rehabilitation program which would reduce fees and costs associated with the transfer of the loan to their company and take away any interest accrued. I have been dealing with this company since XX/XX/XXXX, all the paperwork I have received has said that I was in this program, and I have talked to several employees there of which multiple have informed of the above stated information. Today on XX/XX/XXXX I was informed I was not in the program and none of the above mentioned services would be provided. The information I have been receiving was false and extremely misleading. I informed them that if I would have known this I could have paid it off sooner rather than it gaining interest that I would end up paying back. They stated they were sorry of the misinformation.
Consumer complaint received 2016-10-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Transunion improperly re-inserted inquiries back on my credit file without following the proper procedures mandated by the Fair Credit Reporting Act.. 

THE FOLLOWING INQUIRIES ARE REPORTING IN ERROR AND NEED TO BE REMOVED IMMEDIATELY. 

1. XXXX XXXX XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX/XXXX/XXXX 10. XXXX- XXXX/XXXX/XXXX 11. XXXX ( XXXX ) XXXX 12. XXXX XXXX 13. XXXX XXXX 14. XXXX XXXX 15. XXXX XXXX 16. XXXX XXXX 17. XXXX XXXX 18. XXXX XXXX XXXX 19. XXXX 20. XXXX XXXX 21. XXXX XXXX 22. 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 2016-08-25
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: STONEGATE MORTGAGE CORPORATION (GA)

My name is XXXX XXXX. I have a USDA loan through Stonegate Mortgage. 
I fell behind in my payments, and called in to speak to Stonegate management about it. 
They put me on some type of in house solution. This had me to try to pay XXXX double per month, which was a harder struggle. This was not a good system.. I let them know that it was n't working.. Then they came up with this ( work out packet ) .. This paper work is long and complicated. It required all of my finances, and sense I 'm a retired vet, most of my paperwork took weeks to get.. Well Stonegate said that my time had run to fill out the paperwork, and in that time my home was placed into foreclosure status. XXXX XXXX, auctioned off. I must mention that during the time I was struggling to get this packet filled out, They told me that no payments would be excepted until the packet was filled out and approved.. I feel like I was n't give they proper info or chances to save our home.. I was not told about the programs available for loans like mine.. They never mentioned the Counciling that is available.. Now I 'm being sent notices that a dispossessory has been filed against me. I really need help to save my home ...
Consumer complaint received 2023-04-07
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: Experian Information Solutions Inc. (FL)

I have requested on XX/XX/2023 evidence to support why they maintain incorrect information in my report and you have not provided it to me for that reason and as the law says Consumer reporting agencies must correct or eliminate inaccurate information, incomplete or not verifiable. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. For this reason, I request that the accounts described above be deleted based on the FCRA
Consumer complaint received 2017-01-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IL)

Dear Equifax credit reporting, Hi Rep this is XXXX XXXX the following account was deleted from my credit files due to Identity theft/Fraud. You guys are over 60 days late deleting. the Companies has deleted these XXXX following accounts over 69 days ago. can you please follow through and Delete these XXXX accounts. They have already been investigated along with Affidavits sign. I have also received a letter from One company saying they submitted it for deletion and you guys are still the last to remove. 
I know you guys are very busy I have written 2 letter to you guys but no response. The accounts to be deleted is 1. XXXX XXXX {$780.00} 2. XXXX They have been removed from my other credit reporting burials. Thank you very much for all your help.
Consumer complaint received 2016-08-09
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (SC)

Banking error by hsbc led to a invalid debt being prosecuted by a debt collection person that used profanity, threatening remarks towards my wife, and brothers and family. Disparaging remarks about my service to the nation when I was XXXX by a XXXX while serving XXXX. Threatening court actions and promises XXXX. Phone number of said debt collection agency is XXXX this person has made the statement that he would come to my house personally and do harm to me.,
Consumer complaint received 2015-10-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants and Medical Credit Corporation, Inc. (SC)

I 'm currently dealing with issues between " XXXX of XXXX '' XXXX XXXX and " merchants and medical '' of XXXX. In a nut shell I received phone call on XXXX XXXX to pick up items left by a dumpster or I ' would be fined. Later in XX/XX/XXXX, while receiving no fine via letter or phone call from storplace, I received a phone call from m & m in attempt to collect. I explained what was going on to them ( m & m ), the guy whose name I do n't remember, said I undestand. That was the last I 've heard of it until I apply for my first mortgage loan. I found out the fine was turned over for collection on XXXX XXXX ( 8 days after phone call from storplace warning ). I just want this cleared from my prior pristine credit history as it is unfair and not ethical. Also the fine amount indicated by storplace via m & m is not mentioned in the contract. I have requested copies of my lease agreement from storplace, they said I would have to get it and all information from merchants and medical.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Dear Consumer Financial Protection Bureau, I am writing this formal complaint against Equifax in hopes of seeking resolution regarding the reporting of negative claims on my consumer credit profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices. 
My primary complaints are as follows : 1. Failure to Ensure Accurate Reporting : I firmly believe that Equifax has not taken adequate measures to ensure that my consumer credit report profile is reported factually, ethically, and in compliance with federally-defined timeliness. The reporting should also be physically verifiable and validated, adhering to the mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without any omissions or deviations. 

2. Deviation from Established Reporting Standards : Based on my understanding of XXXX 's XXXX manual ( see XXXX XXXX ), any deviation from the Metro2 standards jeopardizes the integrity of the data. I am concerned that Equifax may not be adhering to these established standards, which raises questions about the credibility and reliability of the reported information.

3. Lack of Documented Proof : Despite my attempts to contest the reported information, Equifax has not provided sufficient documented proof confirming the accuracy and compliance of the negative claims asserted against me. As a consumer, I have the right to demand evidence of reporting appropriateness and adherence to regulatory requirements.
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I have tried several methods of communication with the Credit Bureau Equifax to have them delete several of the inquiries on my report. I did not authorize them at all and when I called them last I explained my situation and they stated that all inquiries are factual without havin to investigate them it 's there policy. The inquiries are hurting my chances of possibly applying for a house or better vehicle. They state that inquiries do n't determine credit offer but all my denials have too many inquiries with in the last two years. I have send a dispute with they mail and their website and still no luck.
Consumer complaint received 2016-12-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (IL)

Hi Equifax hope you having a pleasant day, I am sending this to you again, there is a fraud Address on my report and I have asked you guys to take it off. The fraud address is XXXX XXXX XXXX XXXX il XXXX Please remove this fraud address. I have submitted copies for the 8th time to prove who I am Thank you. 
I was out of the country for awhile and I had a lot of Identity theft.
Consumer complaint received 2023-04-07
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. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XXXX
Consumer complaint received 2015-07-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (DC)

Hi, I could n't update my original Complaint which is Case number : XXXX. In the response it stated that PNC wanted more time to review. Well, it has just been brought to my knowledge that PNC moved to try and foreclose on my unit after I filed my Complaint against them with you. 
I have never been late with or missed a mortgage payment. I have all of my receipts. I also have the letter from the condo board attorney, whom they paid without my permission or knowledge of alleged unpaid condo fees, that they had " discovered '' an error in their accounting and had in fact overcharged me but could only go back 3 years in reimbursement even though I was due 6 years of reimbursements. A couple months prior, PNC paid the for all 6 years of which I did n't owe. I have attached the attorney letter. My Unit is XXXX
Consumer complaint received 2016-09-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (PA)

I began receiving calls and letters from Midland Credit Management concerning a debt from XXXX, approximately 3 years ago. I have never opened a XXXX account and have never associated with XXXX in any manner. I have had a XXXX cell phone, with the same number, since I was XXXX XXXX XXXX. I contacted XXXX and they said they can not do anything as the debt has been sold. I contacted the Police and they said to get the information from XXXX. I am stuck in the process of clearing this debt that is not mine. I am not sure how this account got attributed to me, but would like this resolved.
Consumer complaint received 2015-10-16
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (WA)

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by JP MORGAN CHASE BANK on or about XXXX/XXXX/2015 on EQUIFAX credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Consumer complaint received 2023-04-20
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-04-20
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. (NJ)

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 XXXX XXXX XXXX
Consumer complaint received 2017-01-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (NV)

After several emails and phone calls, Caliber home loans gave me a SPOC to speak to only 1 representative to get my account straight. The extension they gave me was XXXX and XXXX was my Singe point of contact,, After being disconnected twice, XXXX employee number XXXX answered the call.. He did not know of any XXXX working that day. I have asked numerous times how many payments did I make during XXXX XXXX. Simple question, but nobody will give me answer, because the loan was transferred several times. I was behind on payments and to avoid foreclosure, I paid in excess of {$62000.00} in XXXX 2016. According to Caliber I was XXXX payments behind, but I never received credit for the payments I made.
Consumer complaint received 2023-04-07
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: Rocket Mortgage, LLC (FL)

Thank you in advance for your help in this matter, in short, Rocket Mortgage or it's affiliates stated they would inquire on my XXXX XXXX time and they inquired 12 times or more without my permission in less than 30 days. 

Rocket mortgage told me don't worry that my credit is no longer affected by their errors or fraudulent inquires because they are a year old... but they are still affecting my credit score in a massive negative way. 

The excessive inquires started on XXXX and went through XXXX " Rocket Mortgage also told us that even though they should not be effecting my credit score they will not write a letter and remove these erroneous excessive credit pulls because they might be affecting my score. '' This is the only thing that is affecting my score negatively and my score is XXXX points lower for a year and a half and has cost me in many ways including higher insurance, higher credit card rates, loss of benefits, reduction in work opportunities and reduction in ability to qualify for community service work such as foster care respite care. 

Please help by requiring Rocket Mortgage to write to all three credit agencies and remove all but one of their hard inquires that they state shouldn't be affecting my credit anyways, but clearly it is, after having a credit expert review my entire financial status. 

in friendship, XXXX
Consumer complaint received 2023-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have this Capital one Card ending in XXXX. I got an alert with XXXX in regards to a late payment. I have not used this card in a very long time. I called to find out what is the balance for. come to find out it is due to an annual fee. I never got an email. she said sometimes they fall into spam. I told XXXX XXXX ID XXXX No this is not ok. look at my history I have never been late. what can we do to remove this from my credit report. I will gladly pay to have this removed and close my account as I have NOT used this card in a very long time! She said she could not do that. I told her ok let me do some things and get back to you. Can you help me? This is completely unfair. I have a great history with them in the past. Never late This is not right that due to an annual fee this is on my report. As I told XXXX I will gladly pay this. but I want to close the account as well. Please help me with getting this removed. 

Capital one Card # XXXX Exp XX/XX/22 XXXX digit code XXXX Their number XXXX The expiration date alone says it all. I never even got a new card. 

Please help me my email is XXXX my cell XXXX