davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (CT)

schlee & stillman a debt collection company by and through XXXX XXXX XXXX, who claims to be representing XXXX XXXX, and put a action in JUDICIAL DISTRICT OF XXXX, which is not the proper venue, and it appears that this " complaint '' was brought by a " third party " for a " alleged debt '' that was not validated or verified, by the alleged " creditor '' or a affidavit of debt, was submitted, after numerous notices of dispute was sent to the third party and XXXX, which was not validated in accord with 15 usc 1692g, or GAAP, as a consumer i never gave consent to contact " the consumer '' as i third party has no authority to do so 15 USC 1692C, XXXX XXXX is claiming to be a attorney without proper Power of Attorney form ( form XXXX ) or a license for a debt collecting company in the STATE of Connecticut, and is using the JUDICIAL DISTRICT OF XXXX, to send abuse communicating in a attempt to get the consumer to default and for the consumer to file for bankruptcy, case number XXXX JUDICIAL DISTRICT OF XXXX
Consumer complaint received 2016-04-28
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (MD)

I had received numerous letters from my mortgage company about refinancing, so I contacted in them in XXXX 2015 and completed the application and submitted the required documents. The appraisal was ordered and completed and I was sent a copy. I waited to hear back from the processor as far a closing date. After not hearing a status update for quite sometime I contacted the processor and the processor told me that there were judgements against the property and that was the delay. I was told that as soon as the title was cleared I would go to closing. I have a very common last name and I mentioned that to the processor and also that these judgements were not valid. I monitor my credit every 4 months thru XXXX and nothing had ever appeared on my credit report. Also, I ' am very sure that if these were valid they would have been an issue from the beginning of the process. I was sent a copy of these judgements and none of the names were matches or were even close to my name, social security number or my address. I became frustrated with this process because I was not getting any cooperation from this processor or the title company in clearing the title in order to get this loan request to closing. I was never given the name of the title company and was never contacted by them in order to try to clear up this problem. I sent an email to the processor stating that I was ready to contact the Banking XXXX or any agency that could assist me in getting this problem cleared up. One week later I received a Credit Denial letter stating that there judgements on the tittle and that was the reason for the denial of my loan request.
Consumer complaint received 2023-05-31
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. (TX)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On the evening of Tuesday XX/XX/2021 I deposited a check into an ATM at my bank for the amount of {$600.00}. The check is a stimulus check from the U.S. Treasury. During the transaction the ATM machine malfunctioned and crashed. My check was taken by the machine as well as my ATM card and my bank is not acknowledging it's existence or crediting the account. They are not helping me. Just giving me run around. I want my check returned or the funds to be made available. The ATM scanned my check and showed a picture of it on the screen so I know they have record of it.
Consumer complaint received 2023-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

While checking my most recent credit report, I noticed credit inquiry that I did not authorize and they are a result of identity theft, made by the following companies : I found that your agency has prepared my consumer report with inaccurate information ; which is a direct violation of 15 usc 1681e ( b ). The FCRA states that you have a duty to assure me that information being reporting will always be 100 % accurate and you have failed. 
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 I have faith that you will complete a full, proper, and legal investigation as described in the FCRA. After you complete your investigation please mail an updated credit report with all the changes to the address listed above. This investigation must be completed in 30 days once you have received this letter. According to 15 usc 1681i ( a ) ( 5 ) ( A ) inaccurate or unverified able information must be deleted once your investigation is complete.
Consumer complaint received 2023-05-24
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. (SC)

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 : XXXX XXXX XXXX # XXXX and ACCOUNT XXXX 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 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 2023-01-26
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. (NC)

I went to the XXXX dealership and applied for a car loan and they said they were only going to do XXXX however it was 8 more unauthorized hard 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-04-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (MO)

SLS unnecessarily delays payment website password resets requested from https : //www.servicingloans.com, a sub-site from XXXX This delay of hours can make the difference between an on-time payment and a late payment. The delay also encourages consumers to choose to make a payment via phone, or with a phone rep, both of which carry higher fees than processing online. 

Password reset requests on any other financial website I have used processes within minutes, not hours. I successfully requested a reset via XXXX at XXXX, central, today. It is now after XXXX, still no email. I have checked my spam folder, it 's not there either. I have experienced similar delays with password SLS password resets in the past.
Consumer complaint received 2023-01-26
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. (NC)

I went to the XXXX dealership and applied for a car loan and they said they were only going to do XXXX however it was 8 more unauthorized hard 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-09-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY (VA)

We pay our mortgage every single month and the mortgage company let our home insurance lapse. Multiple attempts from my husband, myself, and our home insurance company and they still let it lapse. Several times the invoice was sent and they ignored it completely. We have construction going on in our home for over 6 months now due to the previous owners not fixing things properly & all this with XXXX children. The mortgage company not paying the insurance invoices completely screwed us over. We have one less bathroom ( the main one with shower as well ) along with extensive mold that needs to be removed ASAP. The mortgage company not paying this invoice has delayed everything being fixed even longer because now we need an entire new policy before we can finish filing another claim for the mold. We have XXXX children. Our home isnt safe ( theres concrete instead of flooring on top, mold, a gutted bathroom, etc. ) because of the delayed process from a home insurance lapse. This is completely unacceptable and has caused so much stress for our family. We do our part every month by paying our mortgage we expect them to do their part as well and they have failed us.
Consumer complaint received 2023-05-31
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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
Consumer complaint received 2024-06-14
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (VA)

This is the third out of 4 states applied to as of this date that has denied XXXX XXXX XXXX ( XXXX XXXX ) licensure due to the fact that the State of Virginia has not reinstated her professional license. The personal bank of XXXX XXXX XXXX has provided proof that the check was cashed but the Commonwealth of Virginia is denying that they received funds and/or application. Further, there are documented concerns about those involuntary detainments surrounding property address XXXX XXXX XXXX XXXX, VA XXXX and XXXX XXXX in XXXX XXXX, VA that XXXX XXXX XXXX is refusing to give up. 

There is evidence that an attorney reviewed documents contrary to the findings reported and that bill is attached and there is evidence that approximately 3-4 individuals representing the Commonwealth of Virginia Board of Nursing were not lawyers, not licensed and/or not nurses, etc.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from alleged identity theft. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

In XXXX of XXXX, I qualified for a Modification of my loan. I accepted the offer and signed and had the agreement notarized. I returned the documents before the deadline to accept. A condition of my modification was that I pay {$XXXX} down payment by XX/XX/XXXX. I was required to pay by certified funds and mail the funds to the XXXX. I was told that I could not pay over the phone or through a wire transfer from my bank. I sent a {$XXXX} XXXX funds check to the XXXX using XXXX XXXX  day delivery. It was received on XX/XX/XXXX at XXXX. I have the confirmation from XXXX. I was told that the XXXX was behind in processing the check and to give them a few days to have it applied to my account. I continued to call every other day to make sure the funds were received. I was then told that they could not be found and my modification would be cancelled because I did not pay. I sent in proof of the check and the XXXX confirmation. I was then told that the check was received but because I did not put my loan number on it that it was sent back to my bank. I asked for the address where it was sent and I was just told back to Bank XXXX XXXX but no address. I have been calling the XXXX about the check every day and I am told the same thing. It was not sent back to my address which was on the envelope return address. The cashiers check did not have an address for Bank XXXX XXXX. All the XXXX 's cashiering department will tell me is that it was sent to Bank XXXX XXXX but they don't have an address to give me. I have gone back to my bank and they tell me that they can't cancel a cashier check for XXXX  days. I don't know what to do. I don't want to lose the modification or my {$XXXX} and I can't get any information from the XXXX. I am asking for your help.
Consumer complaint received 2015-04-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (TX)

I owed XXXX XXXX Cellphones since 2003. I loss XXXX of the phones and went to an XXXX store to get a replacement. They took the phone and immediately deactivated it. I asked them to reactivate my phone and they refused. 
I was forced to buy another phone, as I now had NO cellular phone for use. XXXX represented that a smart phone would do the job and would cost the same as my older reactivated phone.. 
My normal bill for the use of the " older phone '' was {$20.00} per month per phone. 
A XXXX later, I got a XXXX bill for over {$300.00}. 
I immediately took the smart phone back to the XXXX XXXX told them about the bill I had received, and I could never afford that bill monthly. 
They would not take the phone back, but did deactivate it. 
Thereafter they claimed that I had attempted to revoke their contact with them and that I owed the $ XXXX judged that I had no enforceable contract with XXXX, based upon their misrepresentation of the cost of the Smartphone. Therefore, I have refused to pay their allegation of a " Contract ''. where none existed.
Consumer complaint received 2023-05-24
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)

There are a lot of inquiries on my Credit Reports that should not be. I called the dealership and was told that I needed to contact the credit bureaus. I called Transunion and was informed to file a police report. I am not claiming that my identity was stolen I am stating that the dealership was only given permission to run my credit through one creditor. I see certain ones on there multiple times a day apart as if they were continuously attempting to run my credit. The following needs to be deleted from my reports. 

XXXX : XXXX XXXX ( is on there 3 times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXr XXXX XXXXXXXX XXXX XXXX TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-11-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC (CT)

Pinnacle continues to try and collect a debt I do n't owe. I have disputed the debt with pinnacle credit and I am currently suing them for re- aging this old account on my credit report for the past two years. I have included a copy of the credit report of the account in dispute that was opened in 2010. Pinnacle was notified of this several times as well as the dispute but continues to break the law.
Consumer complaint received 2024-03-25
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)

XXXX XXXX, You become my only headache. How many times I can request for deleteion, are you guys XXXX crazy??? you reporting wrong, unauthorized, fraudulent charges and account under my name, delete this account asap. 

Report Number : XXXX
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated 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
Consumer complaint received 2023-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2017-01-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CONTRACT CALLERS INC (OH)

When living in my home at XXXX XXXX XXXX in XXXX XXXX, Ohio, I was evicted by XXXX which later was sued. When leaving the home, I contacted XXXX XXXX to let them know I was leaving the home and would not be residing in the home any longer. I was advised by the customer service representative to leave the gas on and someone would follow up, so not to let the gas lines " Burst. '' I did so, then received this utility bill which continues to show on my credit report as a derogatory mark.
Consumer complaint received 2021-01-21
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: Bread Financial Holdings, Inc. (TN)

I am a victim of identity theft. An account for COMENITYCB/XXXX  with a balance of XXXX is showing on my credit report. I've attempted to dispute this account with COMENITYCB/XXXX  directly and have been told to submit the attached documentation. As this has been ongoing for several months I am now filing this complaint. Attached to this complaint is confirmation of the identity theft from other companies that have had to do similar investigations.