davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-12
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY (CA)

On XX/XX/XXXX XXXX XXXX alerted me on my cell phone that a hard inquiry had been made to XXXX credit Bureau,. I got in touch with XXXX to tell them it was not me and I'd like a freeze put on my credit report. 
Later that same day I found out that XXXX had a data breach in XX/XX/XXXX. I had just switched my cell phone company to XXXX on XX/XX/XXXX,. 
Then again on XX/XX/XXXX I received another alert from XXXX XXXX about another hard inquiry. Both of the inquiries above were from Target/TD which is Target new accounts # XXXX XXXX XXXX. I called XXXX and put a freeze on my credit report @ XX/XX/XXXX. 
On XX/XX/XXXX I received another alert from XXXX XXXX that another hard inquiry from XXXX had been blocked. This is XXXX XXXX XXXX XXXX XXXX XXXX . Someone trying to open a credit card account in my name XXXX XXXX XXXX XXXX I went to the XXXX XXXX Police Dept in the beginning of XXXX XXXX and filed an identity theft report and am waiting to here back from the officer. I also called Target/TD back in XXXX and talked to someone in the fraud Dept about the inquiries,. She asked me a few questions related to the credit inquiries from information on her computer about parts of a phone number and address that the person trying to open an account used and they were not mine but she couldn't give me complete phone numbers or an address. She told me to make a police report
Consumer complaint received 2023-03-07
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. (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 Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section XXXX A. XXXX 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 2021-10-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

This is in regards to complaint # XXXX. The bank reached out and did some research and realized that they never had our loan endorsed by HUD. They sent a letter saying that it was never endorsed, and that they actually added {$13000.00} back in XXXX for our initial PMI downpayment. I followed up with Citizens and asked the questions below, but have not received a response, and they closed the complaint out. 

1 ) Are we going to be refunded for the monthly PMI that we paid as well? If the loan was never endorsed by HUD, why would we be paying monthly PMI payments to Citizens? Those payments are supposed to go to HUD for FHA backing, and if they are not going to HUD, why were we charged monthly for this? Ultimately, Citizens is still pocketing well over {$12000.00} from us from those monthly payments. Could we please get a full breakdown history on exactly how much we paid ( both up front and monthly, and a statement on how we can come to a resolution here? 

2 ) Why were we never notified about this refund back in XXXX? This is a pretty big error, and we were never notified about it at all. Also, since it was a pandemic and money was tight, it would have been nice to have an option to get that money back as a check rather than putting it towards the principal of the loan. If we never had to pay that to begin with, it would still be liquid for us during this time ( rather than on the back end of our loan ). 

I even told the Chairman 's Office that we did not want to be annoying and submit another complaint, but they closed the previous one out and have not responded. We would just like a true resolution here.
Consumer complaint received 2021-10-12
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: First Credit Services Inc. (GA)

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # : XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. First Credit Services violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a )
Consumer complaint received 2021-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST CENTENNIAL MORTGAGE CORP (IN)

I purchased a new home in XXXX and was given reference by my relator to use this company. I have been trying to have my escrow account adjusted, as the taxes I am paying are way too high ( I am escrowing taxes, home insurance, and pmi ). 

I started this back on XXXX when I noticed that that my escrow balance was very high. As well as, seeing they were set to pay 2 tax lots/parcels when I only own 1 lot/parcel. I followed up with XXXX county, to verify the information. upon verification, I messaged back on XXXX that in fact, I do only have 1 lot and my taxes were {$10.00} for my first 6 months. I am paying roughly {$180.00} per month into escrow for taxes! Thats a HUGE difference. 

I also called in XXXX @ XXXX central time as this issue was too large to leave to a message, which they never respond with calls, and spoke with XXXX XXXX She said that there is a overpay and I would be sent a check that would take 3 days to process. 

I called on XXXX @ XXXX central time to follow up as to I had not heard anything nor received a check. I spoke with Ally at that time. She told me she didn't see any check information and that that is not usually how it is done ( as told to me by XXXX ). Also, that the escrow analysis was not even submitted until XXXX and not on XXXX as told by XXXX. 
I then asked to speak with a manager, because this was ridiculous, upon some hold time ( around 10-15 minutes ) XXXX came back on and said the manager was busy, I could either leave a message or continue to wait. I elected to do both, but XXXX would not let me, She gave an ultimatum of either hold or leave a message. I asked what the manager 's name was that would contact me back, and she responded saying that she was not able to disclose that information to me. 
I said I would wait, as she was very rude and becoming irate with me. 
Finally at XXXX, Sharron ( a manager ) picked up the line. I explained everything as in this message, and she said XXXX had mis-spoke and apologized and apologized for the way XXXX was on the line with me. 

She said this would be escalated to the tax department and they would get back with me. 

As of XXXX, I still haven't been contacted by anyone. So I sent a message to them. 
It is now XXXX and I still have yet to hear anything. No message, No check, No call. 
I sent another message preceding this, explaining my next steps, which was contacting XXXX State Attorney General, and Consumer Financial Protection Bureau. 
As read in this message, I have been mis-lead, lied to, and left in the dark with errors on their behalf now exceeding over {$3000.00} In these times, money is a much needed commodity, and the errors they have made and funds they continue to with-hold from me, are defiantly impeding on my well-bieng. 

PLEASE HELP
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The company XXXX XXXX XXXX has 3 car loans that were opened on XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX. None of these loans are mine. I send numerous disputes to the credit bureaus and directly to XXXX XXXX XXXX and till this date they still reporting these fraudulent accounts that are preventing me from obtaining necessary financing.
Consumer complaint received 2021-10-12
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. (OH)

I paid my Account with XXXXXXXX XXXX XXXXXXXX XXXX Auto Loan close account as Agreed and they still with inaccurate information balance the correct balance {$0.00} With Status Paid as agreed
Consumer complaint received 2021-10-12
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)

XXXX has notified all three major credit reporting agencies that the bankruptcy thats being unlawfully reported needs to be removed immediately! Ive also called each reporting agency to notify them of this unlawful act and they all have refused to comply with the laws defined in the FCRA! XXXX, XXXX, and EXPERIAN are all civilly liable for violating my consumer rights pursuant 15 usc 1681n! They are violating my right to privacy pursuant 15 usc 1681. And neither have permissible purpose pursuant 15 usc 1681b.
Consumer complaint received 2023-03-07
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. (FL)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, DEPTEDXXXX Account number : XXXX, DEPTEDXXXX Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account number : XXXX, XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Account number : XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) Account number : XXXX, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-02-27
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. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2021-10-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NJ)

I have tried calling XXXX on the phone and uploading documents regarding my dispute for XXXX XXXX XXXX. I am unable to get someone on the phone or upload documents.
Consumer complaint received 2021-01-07
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Radius Global Solutions LLC (CA)

I received one bill for my daughter medical bill from collection agent. 
I called same day we agree that I pay {$390.00} as sattlement and they don't report to credit report. Since XX/XX/2020 I keep asking them for a Receipt " Hard copy '' and email to confirm the bill is XXXX and they don't report to three credit report. 
I spoked to three supervisor and they keep liay about they will mail it and email. Last time I called was XX/XX/XXXX If they do that to me they must doing this to other. And they not reported to IRS. I paid it by credit card on the XX/XX/2020. They had my correct address and email. They have branch in XXXX, CA but they go to the office once or twice a month per security building as he told me. 
They located the main office located in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MN. XXXX Tel. XXXX XXXX XXXX XXXX Company name : Radius Global Solutions LLC
Consumer complaint received 2021-10-12
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 am not an attorney nor am I a 3rd third party. Please see my attached ID and SS card.

I was recently released from prison and it was brought to my attention that my credit profile had been compromised. I discovered that there have been several addresses and accounts for businesses opened up in my name. The first issue I found was a seen wrong SS numbers on my credit report. The following SS are not mine XXXX, XXXX. My full name is XXXX XXXX XXXX my DOB is XXXX my SS XXXX. I am in the process of filing a compliant with the FTC and the local aurthorities. The following addresses do not belong to me : XXXX XXXX XXXX OH,XXXX, XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX OH,XXXX I have to do some more reseach on my credit file to see if there are in fact more items that are inaccurate. the following accounts are fraudulent : 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 XXXXXXXX. 
I was locked up in prison when these account were opened.
Consumer complaint received 2021-01-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (NC)

I received a letter on XX/XX/2020 from a firm called Jefferson Capital Systems LLC stating that they were the new owner and creditor for my " referenced account. '' The referenced account was listed as " XXXX ACCOUNT. '' After reviewing my e-mails and XXXX and XXXX accounts, I was not able to determine what the balance was from as I had not received any e-mails from XXXX notifying that I had a balance that needed to be paid. The only notification I received was an e-mail on XX/XX/2020 from XXXX stating that my balance had been sold to the creditor Jefferson Capital Systems LLC.

The letter sent by Jefferson Capital Systems LLC dated XX/XX/2020 states that payment of the amount of debt must be paid within 30 days to avoid reporting on my credit report, and subsequent damage to my pristine credit history. 

The reason that I am writing a complaint for fraud is that balance in question had already been paid to XXXX in XX/XX/2020. There was not attempt by XXXX/XXXX  to notifying me of the balance they sold to Jefferson Capital Systems LLC of " Balance : $ XXXX '' as stated in the e-mail they sent notifying me of the sale of the balance on XX/XX/2020. 

While I was initially unaware as to what this balance could be when receiving the letter from Jefferson Capital System LLC, I determined that it was from the sale of a pair of shoes on XX/XX/2020 and the associated fees with the sale that created the alleged past due balance were paid prior to my transfer from XXXX to my bank account. 
In this case, I believe that XXXX  and Jefferson Capital Systems LLC are both fraudulent operators. XXXX XXXX fraudulent activity including the sale of accounts receivables to J

efferson Capital Systems LLC in which they had already received payment from the initial customer. I believe that Jefferson Capital Systems LLC is behaving fraudulently by knowingly pressuring customers of PayPal who have had their fraudulent " balances '' sold to Jefferson Capital Systems LLC to pay these balances immediately due to the creditor 's threat of causing of harmful implications to consumer credit reports and scores if their payment is not made within 30 days of notification of the Jefferson Capital System LLC 's ownership of the balance and request for payment.
Consumer complaint received 2021-10-12
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Aargon Agency, Inc. (SC)

Around XX/XX/XXXX, I submitted a complaint ( XXXX ) via CFPB regarding Aargon Collection Agency 's fraudulent collection practices. Included in this complaint was a cease and desist. I received a response and I followed up via email. 

On XXXX, I sent an email attaching my request for information for this alleged debt along with my identity theft affidavit. I received a response the same day : Email from Aargon Collection received XX/XX/XXXX around XXXX ( identifying information has been removed ) Thank you for reaching out to me directly. I have not seen a previous request to cease & desist calling, or allegations of identity theft with the open accounts before. We have had XXXX ****** accounts forwarded to our office to assist in collecting and 35 are currently open. Our office does not own the accounts and collects on behalf of our clients, which we have business agreements with. We obtained the itemized statements from our client for the 35 accounts and are in the process of mailing them to you with the verification letters in response to your CFPB dispute. The itemized statements show that medical insurance was used and paid- the remainder being co-pays. Are you wanting a theft packet to assist us and our client in the investigation into your current identity theft allegations? 


Around XX/XX/XXXX, I received two large envelopes addressed from " XXXX. '' BOTH ENVELOPES WERE POORLY SEALED AND OPENED WHEN I RETRIEVED THEM. I don't know who my personal health information has bee exposed to at this point. Upon opening these envelopes, I was shocked to find copies of my medical services received on various dates from my health care provider, a total of 35. These letters included my personal patient information, medical condition details, medical id, etc. The letters also state that they are " itemization of services '' and not a bill. Please explain to me how Aargon is collecting on UNVERIFIED DEBT. A summation of services is not validation of debt. 

This is not a duplicate complaint. I am submitting this report on my own behalf. Please forward this complaint to Aargon Agency.

I have never signed a HIPAA release form to release my private medical records to this company. This is a blatant Hipaa violation. HIPAA protects my privacy and medical records from being used without my consent and I plan to file every complaint within my right and file suit as appropriate. 

This company not only illegally possesses my personal health information, they have shared information to credit reporting agencies without my consent or verification of the alleged I am attaching an example of the mailed correspondences I received. 

I will pursue legal remedy for these violations.
Consumer complaint received 2021-10-12
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc. (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2021-01-07
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Real Time Group, Inc. (CA)

REAL TIME RESOLUTIONS PLACED A LIEN ON MY PROPERTY FOR A MORTGAGE DEBT THAT WAS DISCHARGED IN BANKRUPTCY IN XX/XX/2011. THIS DEBIT/LIEN WAS WIPED OUT AND THEY CONTINUE TO HAVE THE LIEN ON MY PROPERTY WITH INTEREST ACCRUING AT 8.12500 %!!!! THIS PROPERTY HAS ZERO EQUITY-ZERO!!!!! I'M UNDERWATER ON THIS PROPERTY, AS THE 1ST MORTGAGE IS MORE THAN WHAT THE PROPERTY IS WORTH!

THEY HAVE NO LEGAL RIGHT TO PLACE THE LIEN, ENFORCE THE LIEN, COLLECT ON THE LIEN, OR ANY OTHER LEGAL INSTRUMENT, AS THEY DO NOT LEGALLY OWN THE DEBT, NOR THEIR " CURRENT CREDITOR '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
*CHXXXX BANKRUPTCY DISCHARGE, ALONG WITH QUALIFIED WRITTEN REQUESTS AND REQUESTS FOR VERIFICATION OF DEBT HAVE BEEN IGNORED* THUS PROVING ZERO OWNERSHIP, OR EVEN THEIR ABILITY TO LEGALLY ATTEMPT TO SERVICE. THIS DEBT WAS CLEARED IN BANKRUPTCY, YET THEY CONTINUE TO TRY AND COLLECT! 
THEY NEED TO COMPLY WITH THE BK DISCHARGE, REMOVE THE LIEN AND HALT THEIR DEBT COLLECTION AND HARASSMENT PRACTICES. 
THEY ARE IN VIOLATION AND NON-COMPLIANCE OF RESPA AND TRUTH IN LENDING ACT REQUIREMENTS. PLEASE INSTRUCT THEM ON THEIR FRAUDULENT PRACTICES AND REMOVE THE LIEN!