davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-10
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MA)

THIS COMPLAINT FILE IS RELATED TO THE " FEEDBACK ACTION, '' PREVIOUSLY FILED AND RECENTLY CLOSED COMPLAINT NUMBER : XXXX This file is related to the official reply from Champion Mortgage, to the Consumer Protection Financial Bureau ( CFPB ), which Champion Mortgage submitted upon my Mothers original formal complaint to the CFPB. 
Champion Mortgages reply here is the same as a Deposition. Champion Mortgages reply here admits to violating XXXX XXXX Regulations. 

Champion Mortgage 's reply completely ignores and does not address numerous important answers to the questions which I am alleging against Champion Mortgage for breach of contract. 

XXXX XXXX mortgage regulations requires that the initial insurance proceeds disbursement shall be 33 % of the entire amount of proceeds in escrow account to XXXX XXXX. In the reply letter attached here, Champion Mortgage admits that they did not pay 33 % of the proceeds to XXXX XXXX. 

XXXX XXXX  regulations require that Champion Mortgage shall make all insurance proceeds check payable only to XXXX XXXX if she obtains a Massachusetts and XXXX of XXXX Waiver Exempt Document. In the reply letter attached here, Champion Mortgage admits that they forced XXXX XXXX to have check written payable to XXXX XXXX XXXX XXXXXXXX, XXXX In the original complaint file to the Consumer Financial Protection Bureau, XXXX XXXX introduced a demand letter directed at Champion Mortgage citing Massachusetts Law and XXXX XXXX  Regulations related, now in two reply letters, Champion Mortgage cites XXXX XXXX  ' as their rebuttal. This action is breach of mortgage contract by Champion .Mortgage.
Consumer complaint received 2021-10-14
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 have disputed the XXXX XXXX XXXX account from my credit reports with Equifax several of times, 10 to be exact. It is reporting as an authorized user account and I have never authorized or approved for this account to report to my credit report. Meaning Equifax had no permission to report it either. This is not my account. I have never applied for a XXXX XXXX XXXX account. This account need to be deleted from my credit reports. 
And before Equifax tries to stall the investigation here is the account number : XXXX
Consumer complaint received 2021-03-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (AL)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, in fact exists.
Consumer complaint received 2021-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (MI)

XXXX XXXX ( via US Bank ) has claimed to have sent a {$600.00} payment to XXXX XXXX ( XXXX XXXX ) on XX/XX/XXXX. As of XX/XX/XXXX, XXXX XXXX has not received the money. They have contacted XXXX XXXX several times and XXXX claims no funds are being withheld. I have paid the {$600.00} to US Bank in my XXXX billing cycle. 

I have contacted US Bank numerous times in which they claim the {$600.00} has been sent and there's nothing else they are willing to do to help resolve the situation. Attached are two letters. One from US Bank stating that they sent the {$600.00} and a letter from XXXX XXXX stating they have not yet received the money.
Consumer complaint received 2021-10-14
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. (GA)

XXXX Filed Chpter XXXXBK- In XXXX notice a collection account still reporting the account as open with a XXXX balance. I contacted All 3 credit bureaus, but Transunion is the only company which keep allowing XXXX XXXX to keep reporting an open collection account, as updating even though it is included in my Chpter XXXX BK filing. Spoke with Transunion on XXXX, XX/XX/XXXX and XX/XX/XXXX. What they have told me is as that, every time they contacted XXXX recovery, the company had confirmed the accuracy of their reporting, even though transunion clearly recognize the account was indeed included in my Chapter XXXX BK, but still allow this company to report inaccurate information.
Consumer complaint received 2020-03-29
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: LEXISNEXIS (AL)

RE : complaint # s XXXX for Lexisnexis XXXX for XXXX  This complaint was made early in XXXX of XXXX Both " investigations '' have been completed and there has been NO CHANGE made to my credit report. 

Somewhere there has been a MAJOR COMMUNICATION ERROR with this govt. agency, a major credit reporting bureau, and the fact finders that have been employed to collect data. 

I filed bankruptcy with my ex-husband in XXXX. I acknowledge that. I have never disputed that!!!!!!! 

However, XXXX  has that 1 bankruptcy reported 2 times. This is affecting my credit and creditworthiness!!!!! XXXX  will not remove the duplicate item. They say that Lexisnexis is reporting it, that they are responsible for correcting this error. 

Lexisnexis says that I filed bankruptcy in XXXX with my ex husband, and will not change the reporting. 

CFPB is relying on the " investigations '' of these companies to resolve the original complaint. 

I am complaining today, XX/XX/XXXX, that these companies are not fixing my credit report. This is my second complaint. 

Please remedy this. Recap : I have 1 bankruptcy filed with my ex-husband in XXXX. XXXX  has this reported as 2 bankruptcies in XXXX. I want the DUPLICATE public record removed from my XXXX  credit report. NOT THE ORIGINAL, JUST THE DUPLICATE. 
I do not care who has to do what to get it done, I just want it done. I have filed, in total, 3 disputes with XXXX, 1 dispute with Lexisnexis, and now 2 complaints with CFPB. Why is this not sufficient?
Consumer complaint received 2020-03-29
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)

I called XXXX XXXX on XX/XX/2020, the due date of my loans, inquiring about forbearance due to the coronavirus pandemic. My account was put on a disaster relief forbearance that same day. I specifically asked my account manager ( employee ID : XXXX ) if they would be reported as late to the credit bureaus. After putting me on hold to speak to his supervisor, he said no they should not be reported as late due to disaster forbearance and if they are erroneously reported late to call and they would be removed. It has been challenging to get anyone from this office on the phone and regular customer service won't help me. 

Governor XXXX XXXX forced the closure of all non-essential businesses in my area, XXXX county in Pennsylvania, as of XX/XX/2020. I am not able to work due to this which is why disaster forbearance was given. I should not have to spend hours on the phone with XXXX XXXX trying to remove late payment reports when they specifically told me they wouldn't be reported. I have been penalized for prioritizing having a place to live over paying student loans during a national emergency/pandemic.
Consumer complaint received 2020-03-27
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. (FL)

I've sent a complaint to all three bureaus of accounts that are on my account that reported incorrectly and need to be removed because they are over 7 years removed from correct last active date. I've reached out three times to no avail. This is frustrating and it's depressing because I'm paying the consequences of it. I recently went for a job promotion but it was denied due to the invalid and incorrect information on my reports. I hope that this is that last time that I have to deal with this.
Consumer complaint received 2020-03-29
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: Mark A. Kirkorsky, PC (AZ)

MARK A KIRKOSKY continues to abuse consumer rights by illegally accessing my consumer credit report. I have sent the company a cease and desist, i have reported their illicit acts to you the CFPB, who helps consumers with their rights. 

I am telling you specifically, that the law firm and associates known as MARK A KIRKOSKY. 

They continue to violate the FCRA, and my rights, and have already been sued in district court, and continue to access the consumer report with no permissible purpose. 

Is anyone from the CFPB going to do anything or do I have to List this bureau as neglligent of this fraud, negligence, and intentional infliction of emotional distress? 

I will send out W9, 3949As, 4506s, and get the true debt collectors involved, I am at my wits end with the situation, i am ready to litigate and seek retribution, unless you the CFPB cease his unlawful and illegal actions.
Consumer complaint received 2020-03-29
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. (AL)

RE : complaint # XXXX XXXX for XXXX XXXX for Experian This complaint was made early in XXXX of XXXX Both " investigations '' have been completed and there has been NO CHANGE made to my credit report. 

Somewhere there has been a MAJOR COMMUNICATION ERROR with this govt. agency, a major credit reporting bureau, and the fact finders that have been employed to collect data. 

I filed bankruptcy with my ex-husband in XXXX. I acknowledge that. I have never disputed that!!!!!!! 

However, Experian has that 1 bankruptcy reported 2 times. This is affecting my credit and creditworthiness!!!!! Experian will not remove the duplicate item. They say that XXXX is reporting it, that they are responsible for correcting this error. 

XXXX says that I filed bankruptcy in XXXX with my ex husband, and will not change the reporting. 

CFPB is relying on the " investigations '' of these companies to resolve the original complaint. 

I am complaining today, XX/XX/XXXX, that these companies are not fixing my credit report. This is my second complaint. 

Please remedy this. XXXX : I have 1 bankruptcy filed with my ex-husband in XXXX. Experian has this reported as 2 bankruptcies in XXXX. I want the XXXX public record removed from my Experian credit report. NOT THE ORIGINAL, JUST THE DUPLICATE. 
I do not care who has to do what to get it done, I just want it done. I have filed, in total, 3 disputes with Experian, 1 dispute with XXXX, and now XXXX complaints with CFPB. Why is this not sufficient?
Consumer complaint received 2020-03-29
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. (VA)

I downloaded my Equifax Credit Report on XX/XX/XXXX ( copy attached ) and submitted an online dispute to remove the 'Consumer Statement ' shown in Section 6 of same. A printout of my online Dispute 'Confirmation ' is attached. 

Although confused by the XX/XX/XXXX Equifax letter ( copy attached ) indicating they were not able to locate a Credit File for me, I received notification on XX/XX/XXXX that my online Dispute had been completed. As such, I downloaded Equifax Confirmation # XXXX and associated Credit File. Since the format, layout, sections and fields of the XX/XX/XXXX Credit File don't match that of my XX/XX/XXXX Equifax Credit Report, there is no way to confirm removal of the 'Consumer Statement '. 

As such, I wrote Equifax Corporate on XX/XX/XXXX expressing my confusion w/ some of the conveyances in its XX/XX/XXXX letter and well as the dilemma stated above regarding removal of the 'Consumer Statement '. I'm yet to receive a response from the company.
Consumer complaint received 2020-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MD)

Navient does not process payments in a timely manner, even when payments are made timely or before the due date. Navient sends emails and/or statements for the next bill cycle with inaccurate payment balances ( e.g., previous monthly payment and next month 's monthly payment combined ). Navient 's website also shows your account as past due ( e.g., missed payment alert ) for an unfair amount of days, even when it shows on your account that a payment was made. 

Navient 's overall processing time for payments is poor and I don't trust that they have fair or accurate credit reporting because of their inability to have their systems operate efficiently.
Consumer complaint received 2021-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (MO)

I told U.S. Bank to close my credit card account in XX/XX/XXXX on the phone. At the time, the customer service representative made me jump through a lot of hoops and kept warning me that closing my account would have adverse affects on my credit score, my home loan, etc. ( none of which was true ), in a transparent attempt to try to make me stay. It took at least an hour, but I was told it was closed. 

In XX/XX/XXXX, I received a notice that I had late fees and a balance on my U.S. Bank card. When I called, it turned out they never closed it, and they denied ever receiving my request to close it. Some recurring charge appeared, they sent me no notice, and then they tried to charge me late fees on top of it. I have had to spend more time calling multiple departments and explaining this over and over before they finally agreed to reverse the fees. This seems like a scheme to me, and probably happens to many of their customersbut they simply pay the fees to make the problem go away. I still have not received any confirmation that my account is actually closed, and there seems to be no recourse or people who I can talk to at U.S. Bank to address the issue.
Consumer complaint received 2021-10-14
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. (OH)

I recently received my credit report and noticed fraudulent accounts & fraudulent inquiries. I HAVE REACHED OUT TO THE COMPANIES & ALL FRAUDULENT ACCOUNTS AND ALL FRAUDULENT INQUIRES AND THEY TOLD ME TO CONTACT THE CREDITORS. I DID THAT AND THEY DID UPDATE. I Filed an FTC Report. Please remove all non account holding inquiries and fraudulent accounts as in they're not mine. 

XXXX, XXXX XXXX XXXX XXXX XXXX ARE NOT MINE ALONG WITH THE INQUIRIES LISTED IN FTC REPORT
Consumer complaint received 2021-10-14
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. (OH)

I recently received my credit report and noticed fraudulent accounts & fraudulent inquiries. I HAVE REACHED OUT TO THE COMPANIES & ALL FRAUDULENT ACCOUNTS AND ALL FRAUDULENT INQUIRES AND THEY TOLD ME TO CONTACT THE CREDITORS. I DID THAT AND THEY DID UPDATE. I Filed an FTC Report. Please remove all non account holding inquiries and fraudulent accounts as in they're not mine. 

XXXX, XXXX XXXX XXXX XXXX XXXX ARE NOT MINE ALONG WITH THE INQUIRIES LISTED IN FTC REPORT
Consumer complaint received 2020-03-27
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. (AR)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that were used to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX {$0.00}
Consumer complaint received 2020-03-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc. (IL)

In XX/XX/XXXX i got an alert from XXXX that Diversified Adjustments had put a collection account on my credit report. By law, they must notify me in writing of the debt. I have 30 days to review the information they are claiming, and dispute it if needed before adding it on my credit report. They violated my rights under the fair credit reporting act! They never sent me any notification of the debt, instead, they put it on my credit report without sending me any information of the debt! Also, i do not owe XXXX  anything close to that amount. This account was for a phone line that was opened in XXXX, and closed in XX/XX/XXXX. This was for a flex lease and the phone was returned back to XXXX. This phone was never properly credited back to me. Any amounts owed was paid! This is unlawful! Also, they are trying to reage this debt by putting the wrong original delinquency date! By law, they must keep the original date of delinquency of the original debt no matter what! This must remain the same no matter who owns the debt! I have enclosed a copy of this information! My services had ended in XX/XX/XXXX, and the date of first delinquency was in XX/XX/XXXX, the final bill was printed in XXXXThey are trying to add on a year from the original delinquency date! I have contacted Diversified by mail, and have not heard anything back from them. They have a number of complaints on the XXXX  Website for fraudulent activity over debts! I have rights and have a right to dispute any information that i believ to be inaccurate and they violated my rights by not sending me any notification and adding it on my credit report before i had a chance to review the information! The date of first delinquency date is inaccurate!!!
Consumer complaint received 2021-10-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Webcollex, LLC (FL)

I received a letter dated XX/XX/2021 from this company called CKS Financial trying to collect a debt for XXXX XXXX XXXX XXXX in the amount of {$630.00}. Per the letter, they advised that I had 30 days to dispute the validity of the debt. I mailed a response to CKS Financial on XX/XX/2021 requesting that they provide me with proper validation of this unrecognized debt. 

Based upon the information contained in their letter, and my lackof knowledge of an established business relationship, and or obligation withthis company, the alleged debt was disputed in its entirety, including all amounts alleged to be due and owing. 

To my surprise, when I refreshed my credit report today, XX/XX/2021, I see that CKS XXXX XXXX is now reporting on my credit reports across the 3 bureaus! On top of that, they listed a date of last activity of XX/XX/2021. How could their possibly be any activity on an account for which I have no knowledge of and that I have yet to receive any documents to validate this debt? 

How can this company send me a bill to my home and ask that I can request verification of the debt and when I do, not only did I not receive a response but the account was added to my credit report causing further damage to my credit and putting tremendous stress on me because it is hindering my ability to apply for new lines of credit. 

I am including all of my communication with CKS Financial, including the letter they sent to notify me of this debt and my response to them informing them that I dispute this debt.
Consumer complaint received 2020-03-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

On XX/XX/2020, I wrote to Portfolio Recovery about Account # : Unknown for an amount of {$3000.00}. It has been over 30 days and I did not get a response from them with proper validation of this debt as requested in my communication to them. I am requesting that they must cease collection efforts, and remove negative items placed by them on my credit report.
Consumer complaint received 2021-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

I called Capital one ( XXXX ) and talked to a lady to cancel my credit card and she had me send a signed conformation of the cancellation. 
I was told that I owed XXXX dollars and some cents and that I had enough rewards to cover the charge. 
I received a conformation that the transaction on the card was cancelled and completed and that I had the option to renew it. 
I cut up the cards and sent them back to Capital one. 
Now I keep getting statements that the original balance increases each month from $ XXXX and the balance is now {$70.00} with no explanation!
Consumer complaint received 2024-05-17
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. (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. 

Account Name : XXXX XXXX XXXX Account 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.