davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
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: Experian Information Solutions Inc. (FL)

XXXX XXXX. XXXX, XXXX and Experian are so disorganized and does not pay attention to the Laws governing each state where they have mortgages. Florida is a XXXX XXXX for starting a foreclosure and must be recorded with the XXXX XXXX XXXX. No foreclosure proceeding where ever started XXXX XXXX XXXX since I filed for a hardship mitigation which was approved. I sold the house after disagreements surrounding the title which again their arguments where invalid under Florida XXXX. XXXX XXXX is ignorant of local laws regulating mortgages. 

I had such an issue with them all the way thru for a year until I sold the house. Now a year later after I sold the house XXXX XXXX entered a foreclosure on my credit reports. Clearly it is retaliation for the problems I had with them. 

Well this entry on my credit report for the start of foreclosure is against the XXXX XXXX XXXX and the FRCA. I will file a federal lawsuit if they persist. See below letter sent to them. I will also send to all the credit reporting agencies. 

Subject : Dispute Regarding Incorrect Foreclosure Reporting on My Credit Report. 

Dear Sir/Madam, I am writing to dispute the foreclosure information that has been inaccurately reported on my credit reports. The details in question pertain to my mortgage with XXXX XXXX under account number XXXX. 

Florida is a XXXX Foreclosure XXXX : As you are obviously unaware, Florida follows a judicial foreclosure process. This means that any foreclosure action must be filed through the court system. However, there has been no record of the start of foreclosure filing at the XXXX XXXX XXXX XXXX related to my property. 
False Reporting : Despite the absence of any foreclosure proceedings, my credit report indicates otherwise. This false reporting is damaging my XXXX XXXX and financial reputation. 
Request for Correction : I kindly request that you promptly investigate this matter and correct the inaccurate information on my credit report. Specifically, I ask that you remove any reference to foreclosure related to my XXXX XXXX mortgage. 
Federal Lawsuit : If this issue is not resolved satisfactorily within a reasonable timeframe, I am prepared to take legal action. I will file a federal lawsuit to enforce my rights under the Dodd-Frank Act and the Fair Credit Reporting Act ( FCRA ). 
Proof of XXXX : The XXXX XXXX XXXX XXXX XXXX XXXX ran a search and there is nothing filed related to the subject property. This confirms the absence of any start of foreclosure proceedings. 
I appreciate your attention to this matter and expect a response within 30 days. Please provide written confirmation once the necessary corrections have been made to my credit report. 

Thank you for your cooperation. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-09-19
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. (CA)

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 U.S.C 1681. 

XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX Bankruptcy XXXX  XXXX XXXX Has violated my rights. 

15 U.S.C 1681 section 602a : I have the right to privacy.

15 U.S.C 1681 section 604a section 2 : It also states a Consumer Reporting agency can not furnish account without my written instructions.

15 U.S.C 1681c ( a ) 5 section : No Consumer Reorting Agency may make any consumer report containing any of the following item of information any other adverse item in information other then records of Convictions of crimes which antedates the report by more than seven years.

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 of has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-05-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

In XX/XX/XXXX, I attempted to work with XXXX on a loan modification on property XXXX XXXX XXXX XXXX, XXXX Texas. I worked for 2 years to try to modify the loan. Each time I sent paperwork in, it was missing something or they couldn't open email or didn't receive the faxes. Then I would have to start over and each time they delayed the modification. Every 3 months I was on a forebearance payment. Then I got notice that they sent a notice denying my modification and they sent it to foreclosure in XX/XX/XXXX. When I offered to pay the back fees and missed payments they gave me an astronomical number that I could not pay. There was a second mortgage on the property owned by Washington mutual and then later sold to JP morgan chase. I did not receive any documents from XXXX or Chase on what the house was sold for and did not voluntarily forfeit the property. Chase sent the Cancellation of Debt for that period and have represented it as the foreclosure occurred on XX/XX/XXXX when actually the event should have occurred in XX/XX/XXXX, not sure of date because I received no paperwork. Also the fair market value of the property is not correct. The fair market value should have been taken for XX/XX/XXXX instead of XX/XX/XXXX. We feel that we are not responsible for the debt in XX/XX/XXXX when it was suppose to be XX/XX/XXXX when we were insolvent. Also we were misrepresented with Washington mutual and the second mortgage was suppose to be tied to the property. Chase was notorious for these kind of tactics in XX/XX/XXXX thru XX/XX/XXXX with foreclosures and we have had other properties that foreclosed in that era that chase actually had a lawsuit where we got proceeds from. We will include the Cancellation of debt but redact it as in dispute with Chase. We have sent a letter to chase to make the changes on the document and the document to the IRS. We also didn't receive the XXXX Debt cancellation until the end of XX/XX/XXXX. They also didn't release the lien until XX/XX/XXXX even though the property had been sold. When I called and spoke with Chase concerning this mattter, Chase stated that they sold the property in XX/XX/XXXX for enought to cover the first and second mortgage but by law they did not have to pay off the second mortgage. When I asked Chase to show me proof of bills they had been sending to try to recover this second mortgage, they stated that they do not send out any bills and that we just should have known. When asking them about the fair market value being for XX/XX/XXXX and not XX/XX/XXXX, Chase stated that they can make the fair market value what every they want to make it. I asked to speak with a manager or someone in a higher positiation and they stated they were they highest position in Chase. 

Thank You XXXX XXXX
Consumer complaint received 2023-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (KS)

In XX/XX/2022 I financed a mortgage to buy a house. The amount was approximately {$320000.00}. My loan servicer was XXXX XXXX. On XX/XX/XXXX I made a payment of {$160000.00} to pay down the principal. Shorty afterwards, I received a letter that they were selling my mortgage to Fifth Third Bank. On XX/XX/XXXX they removed the payment of {$160000.00} citing it as a " misapplication reversal ''. After they sold the mortgage to Fifth Third Bank, they didn't get that {$160000.00} payment to Fifth Third Bank until XX/XX/XXXX. Because of this, when I made my house payment on XX/XX/XXXX, the amount of interest I was charged was based off of a principal of approximately {$320000.00} rather than the approximately {$150000.00} it should have been. Because of this, I am estimating that I lost {$1000.00} in excess interest charges that I should not have had to pay. I've got screenshots from both loan servicers to illustrate my situation.
Consumer complaint received 2023-10-08
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. (FL)

I have items on my consumer report that are a result of an identity theft and not made by any transaction related to me. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Recovery Services, Inc. (CA)

I am filing this report because, at last, Financial Recovery Services , Inc. and XXXX XXXX XXXX XXXX  responded to my requests when I informed them that I'd been an identity theft victim. They sent me the record of the application I requested, with an early bank statement of the fraudulent account opened years ago. I informed them that the account was subject to identity theft and fraud because I had never opened the account and used it. I have looked at the record of application because when a bank opens an account, an application is filed for it. The record of the application states information that is not mine, and the original card was sent elsewhere and not to where I resided. In addition, it has an email that I'm unaware of and never used before. The application is entirely frivolous because I never filed such a credit application. I have never used any XXXX XXXX XXXX XXXX or been a customer. This account resulted from identity theft, and the account is not mine. Collections being on a fraudulent account is illegal. XXXX XXXX XXXX must remove this frivolous account because it resulted from identity theft, and they are harming my financial credit report. However, XXXX XXXX XXXX claims that the account is mine despite the identity thieves ' fraudulent information. I am highly disappointed that they didn't even investigate this matter. They sent me a letter dated XXXX  that stated, " We are unable to approve your fraud claim because they concluded that the charges were made by you or someone who had authority to use the account. '' I never had access to this account, and I do not know who had access to it because it resulted from identity theft. I do not know if these banks understand what " identity theft '' means. Identity thieves used my social security number, date of birth, and name to open an account and benefit from them without my knowledge or consent. The information I examined in the application record was never part of my personal information. XXXX XXXX XXXX insists that this fraudulent account resulting from identity theft is mine. The account is not mine ; the account was never mine. I never opened this account, applied to this account, received a card for this account, and I never used this account.
Consumer complaint received 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Selene Holdings LLC (MD)

From XX/XX/2021 until the present Selene Finance has incorrectly calculated my mortgage payments and reported my account to the credit bureau as delinquent.

In addition to the many unethical practices of charging me several late fees although I didn't owe any.

This company has several pay web sites that don't allow you to pay anything other than what they have your payment listed as, they have had three different web payment websites since 2021. The most current website won't allow you to pay your mortgage until you read and acknowledge some agreement they have attached I'm sure to cover themselves against consumers.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: United PanAm Financial Corp. (TX)

several times I have requested this company to stop harassing me about this alleged account I have demanded this company by mail to block and delete my information from their data sharing system they refuse to do so they continue to harass my family and I by phone mail email I believe they even have people waiting outside of my home my family and I feel extremely threated and this must stop immediately.
Consumer complaint received 2023-07-03
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: Resurgent Capital Services L.P. (FL)

m not liable with XXXX XXXX. i do not have contact with LVNV FUNDING LLC XXXX. they did not provide me with the original contract as i requested. 



correction to me my credit report i demand this account be remove from my credit report
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (FL)

This notice is to inform you that you have broken law. You are unlawfully reporting unauthorized accounts on my consumer report that has violated my federal protected rights to privacy and confidentiality under FCRA law 15 USC 1681. I have not given permission to furnish anything on my credit profile. You have violated me pursuant to 15 USC 1681 ( b ), the permissible purpose of my consumer reports. You have no permissible purpose by law to contact third parties with my private and personal information. Your offenses amount to Aggravated Identity Theft pursuant to Title 18 U.S.C felony punishable 102BA. You have knowingly transferred, a felony punishable with up to 2 years of imprisonment, in addition to civil liability up to {$1000.00} per violation. You are also in violation of 15 USC 1692g. My instructions are for you to delete these accounts immediately. 

XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Credit Inquiry : XXXX XXXX XXXX XX/XX/2021
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. (TN)

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 Account Number : XXXX Account Name : XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
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: EQUIFAX, INC. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXXXXXX 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 XXXXXXXX Balance : {$5300.00} ; XXXX XXXXXXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: Experian Information Solutions Inc. (WA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ; XXXX XXXX Balance : {$8600.00} ; XXXX XXXX XXXX Balance : {$9300.00} ; XXXX XXXXXXXX XXXX Balance : {$3800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXXXX/XX/2023 ; XXXX XXXXXX/XX/XXXX XXXX
Consumer complaint received 2023-10-12
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. (NY)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Systems International, Inc. ()

XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) performed XXXX on my wife in XX/XX/XXXX. We paid cash for the outstanding amount on the day of XXXX. On XX/XX/XXXX, I received a bill from XXXX stating that we still owned {$230.00}. This amount was paid on XX/XX/XXXX and I have proof of this from my bank- they cashed the check. I got a letter on XX/XX/XXXX from Credit Systems International on behalf of XXXX for another {$150.00}. I called the collection company who said that they received the {$230.00}, but there was still the outstanding amount of {$150.00}. So, XXXX never communicated with us- they went straight to a debt collection company which is really inappropriate and insulting because it implies that we refused to pay.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MARINER FINANCE, LLC (FL)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

My XXXX XXXX account was closed by Capital One on XX/XX/XXXX even though I had been a loyal customer with on-time payments. I paid the annual fee of {$390.00} in XX/XX/XXXX and even though the bank closed my account they did not refund the annual fee. Basically stole the annual fee I paid.
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: Experian Information Solutions Inc. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXXXXXX 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 XXXXXXXX Balance : {$5300.00} ; XXXX XXXX XXXXXXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-03-13
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. (OR)

For the record, your response about specific, is a simple, if its not benefit to my interest, it my right to privacy to have it removed. 

I am the beneficiary, your are the trustee and you serve the needs of this account. 

There is not a need to verify with other companies, this is about my profile, and we do not benefit from adverse claims. 

So charge offs, late payments, delinquencies. 

It took 30 days for you to respond to my questions, which werent answered, instead you tell me be specific. 

If its not good, its gone. If you have discussion to remove or keep things, then you are my servant. I am your master. I am beneficiary, you are trustee, ok. 

Take these adverse claims and remove them at once, its your responsibility to have my best interest being a fiduciary capacity. 

You are trustee and serve me the beneficiary, got it no more usury and denial of due process. Get to work, you have dispute to remove. :