davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-03
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERISAVE MORTGAGE CORPORATION (TX)

I applied for a credit card, which pulled my credit report. Then Amerisave cold called me because my credit was pulled. I asked them what their rates were and any points for pay down of rate. The guy said he needs to do a formal loan estimate for it to be legit, but he would not pull my credit since he could use the one the credit card company pulled. I informed him I only wanted to rate and costs, no credit should be pulled since I did not want to proceed if the rates were bad or costs were high. 

The next day I found out my credit had been hard pulled. This guy totally lied during the entire call. I've worked with dozens of loan brokers and this guy kept lying and using my information and did not have authorization to use my info to a loan app.
Consumer complaint received 2020-08-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (OK)

This complaint is about the loan modification process at Shellpoint Mortgage Servicing. Please help me resolve this issue and obtain a final loan modification within 30 days. The problem began XX/XX/2020. Please note this date is after Pres. Trump disaster declaration due to COVID-19. 

My initial application for a loan modification was mailed on or about XX/XX/2020. 
Shellpoint requested that I complete a second ( 2nd ) modification application in XXXX. This second application was faxed on XX/XX/2020. Per a conversation with a Customer Service representative, my application for modification was approved on XX/XX/2020. As a consequence of an error made by Shellpoint the modification was subsequently cancelled on XX/XX/2020. 

On XX/XX/2020 I finally received written communication from Shellpoint stating, my account is seriously delinquent and in order to avoid foreclosure I needed to act by XX/XX/2020. I have spoken with customer service multiple times over the past 7 months and have made my monthly payments in the amount directed. 

Since XX/XX/2020 I have consistently made the monthly trial payments in the amounts requested. I have paid through XX/XX/2020. It is now XX/XX/2020 and my modification still has not been approved and I am being asked for additional trial payments some of which have already been paid. ( Specifically XX/XX/2020. ) I am now being threatened with foreclosure if I do not make another payment for XXXX. I can not afford to make double mortgage payments. 

It has been 7 months since the modification was approved. It has been 7 months I have made payments as requested and waited to receive paperwork.
Consumer complaint received 2020-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (CA)

The debt was settled for the amount of {$360.00} on XX/XX/XXXX. I was made an offer in writing. I accepted and sent AMEX a check for {$360.00}. It was cashed by AMEX as I have proof through my bank. I have relayed this information to AMEX via text messaging. And yet I keep receiving the same Notices from AMEX asking to settle the same debt. I have received Notices on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. I have all these Notices saved in electronic format. I am not sure how to stop AMEX from continuing to try to contact me for a debt that has already been paid off.
Consumer complaint received 2020-08-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Home American Mortgage Corp (CO)

On XX/XX/2020, I initiated a loan application with HomeAmerican Mortgage Corp. which progressed to conditional approval with closing scheduled on XX/XX/2020. On XX/XX/2020, I was informed by the company that closing would not occur as scheduled and would be rescheduled at a later time. When discussing this with our loan officer, XXXX XXXX ( NMLS # XXXX ), she was argumentative and combative immediately upon getting on the phone. During the course of the conversation, she yelled " What would you like me to do? '' over and over, then proceeding to swear at me stating " I am doing my XXXX job '', and finally told me it was " too bad we can't publish reviews on you ''. As a first time home buyer, I was not expecting to be spoken to in such unprofessional and inappropriate terms, and nearly walked away from the entire deal. I spoke with her supervisor, XXXX XXXX, who at my request removed her as our point of contact. Following that, I received a 4 line disingenuous apology via email, siting a " difficult week ''.
Consumer complaint received 2022-11-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC. (TX)

Someone kept texting me with the debt from XXXX XXXX ( which we are currently dealing with ) saying we owed and here is the account information. To please log in and work on it. 
So I XXXX the bank and log in information and it all checked out so I figured it was legit. 
I logged in and low and behold the account was not legit ( not even mine ) but had my social and my address all there with it. 
Now we are trying to lock all our accounts because when I logged in all it did was verify that was my account ( even with the wrong name )
Consumer complaint received 2020-08-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC (FL)

Phoenix Financial Services XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX These companies call me several times nearly every day and have left several messages attempting to collect on a debt from a single hospital visit in XXXX that is in collections since XXXX with XXXX XXXX XXXX. The initial bill was for {$880.00} which I disputed with the hospital because it was a follow up visit to have stitches removed and I was told by the Dr . I saw I would not be charged for a full ER visit upon return and I was anyway, so I refused to pay the bill. 
XXXX XXXX XXXX is on my credit report for the full {$880.00} as a debt collection and now Phoenix Financial Services has placed a collection on all 3 of my reports ( which I am disputing ) for  {$350.00} ( same bill/visit ). They sent me a letter ( I threw it away ) that stated if I pay them {$350.00} they will remove the collection from my credit reports. Together, these collection agencies are charging me {$1200.00} which is more than the initial hospital bill. 
I've had issues with XXXX XXXX XXXX in the past, where they find creative ways to keep debts on consumers credit reports by doing fraudulent activities such as this and I would be 100 % certain these two companies are engaging this illegal activity together
Consumer complaint received 2020-08-04
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: Premium Credit Bureau (FL)

Greetings, I have reached out to XXXX  and XXXX  concerning the following inquiries reflecting my credit report I did not approve and have no clue what they are for. In this process, XXXX  provides the same reply every time with not providing documentation of how or who they spoke with to verify the information. As for XXXX, they have responded back to either of my letter they received certified mail ( dating back to XX/XX/XXXX ). 

XXXX  provided address information for the inquires reflecting my report - the inquiries mailing address was returned to the sender and not received. I have enclosed a copy of the returned to the sender. As you reviewed in my previous dispute to the company XXXX  provided was incorrect - claim - XXXX due to the response from the company. How can this account be factual as mine when the Bureau even provided incorrect information? 

This company did not ask for my approval. This can not and have not provided my approval with my signature, e-signature, statement, or voice recording authorizing this inquiry request. Which is why I disputing the following inquiries. I am requesting the following inquiries be removed as soon as possible. 

I have uploaded attachments on miss leading information provided by XXXX  ( with an incorrect mailing address and company info ) along with documents of No Reply for over in 30 days by XXXX.
Consumer complaint received 2020-06-08
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)

block fraudulent account from credit report due to identity theft XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX {$87.00} XXXX XXXX  {$8900.00} XXXX  {$9400.00}
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Consumer Adjustment Company Incorporated (TX)

XXXX XXXX XXXX Illinois XXXX This bill has been fully paid by XXXX of Texas. 
I have verified all information plus I have the pay statement from XXXX. Blessing hospital has called to reverse off of collection but Consumer Adjustment Company the collection agency XXXX will not cooperate with me to remove it. I have disputed this 3 times since it has been paid in full and they will not cooperate with me. All im asking from them is to remove this paid debt from my credit
Consumer complaint received 2023-05-18
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CA)

Dear Sir or Madam : I am writing to dispute the following information in my file. My Consumer Number : XXXX and Case Number : XXXX. I am a victim of identity theft. I have reported identity theft with the 3 major credit bureaus last year. After a review of my consumer report, the account in question is a BANKRUPTCY. Listed under BANKRUPTCY FILING # XXXX, Bankruptcy Court Details : XXXX XXXX XXXXXXXX I ask that the fraudulent item be removed from my consumer report I reported the theft of my identity to the Federal Trade Commission. I also have enclosed a copy of the Federal Trade Commissions Identity Theft Affidavit. Please investigate this matter and removed this as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (FL)

The Collector Failed To Validate Debt Which is a violation under Fair Debt Collection Practices Act ( FDCPA ) Dispute was Submitted on XX/XX/2023 File number XXXX Estimated completion date XX/XX/2023 ITEM IN DISPUTE : CREDIT MANAGEMENT LP DISPUTE REASON : Accuracy There were fraudulent charges made on this account. 
The " Account in Dispute '' remark is missing or incorrect. 
CONTACT INFORMATION CREDIT MANAGEMENT LP XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2020-08-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

I was transferred to Fay Servicing after having significant issues with XXXX  XXXX after my loan was transferred to XXXX. I was also facing some financial challenges. After being transferred to Fay, I tried, unsuccessfully, to get some help and answers and finally got my account manager changed. The new account manager, XXXX XXXX, was wonderful and I began the loan modification process. And then COVID hit. 

XXXX informed me that my foreclosure was put on hold, but didn't give me any dates and I didn't receive anything from Fay regarding how long the hold was. In XXXX, I started trying to submit my documents for the loan, but couldn't get hold of XXXX XXXX and couldn't submit them online. 

On XX/XX/XXXX, I found an email address and sent the documents via email. I didn't hear anything from Fay and still assumed that the foreclosure was on hold until I got a notice taped to my door on XX/XX/XXXX that my house was being foreclosed on and that the sale date was XX/XX/XXXX. I have been working to submit the proper documents, but it has been XXXX problem after another ( oh ... you need to write this on that, etc. ). Finally, my loan modification packet is complete, but now it is only three weeks to foreclosure. 

XXXX XXXX has been fantastic, but I have been extremely dissatisfied with everyone else I've dealt with at Fay Servicing. 

Thank you, XXXX XXXX
Consumer complaint received 2022-12-30
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: EQUIFAX, INC. (PA)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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.
Consumer complaint received 2022-12-30
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. (TN)

XX/XX/XXXX XXXX  XXXX there is an inquiry for a credit which I did not authorize on XXXX, XXXX and Transunion XX/XX/XXXX there is a inquiry from XXXX that I did not authorize on XXXX.
Consumer complaint received 2022-12-30
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. (TN)

The name " XXXX XXXX '' is appearing on my credit report. This is not me and never has been me. I have never went by this name and it is associated with identity theft and fraud.
Consumer complaint received 2021-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (WA)

XX/XX/XXXX my account was hacked into and they changed my email and phone number. I had no access to my account. I called chime and they to email them my email so I can get back into my account. Providing my SSN and my account phone number. And wait a couple of hour and I could get back into my account. But when I was verifying my account they told me that there was XXXX transfered to someone I have never talk to that had another chime account. They file a dispute on the transaction it has now been 9 day and I havent heard anything. But than today XX/XX/XXXX I get my unemployment benefits and within minutes of having it a different person was spending my money the first one was for XXXX the second one was for XXXX. I call chime and they told me that they can't do anything til the transactions has stop pending. And that they can send me a new card. I change my email and password the first time this happen. I personally think it's wrong that they can't do anything. What kind of people are they.
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NV)

I have disputed a XXXX XXXX union account with all three credit report agencies. I keep telling them that the account is negatively affecting my credit and should be removed from my credit report because it is over 7 years old. The amount of time that a negative items remains on your credit report is 7 years but they just verified with XXXX XXXX XXXX that the account is valid then closes out the dispute. When what should do is look at the date on the account to see if it should be cleared from my credit report due to age not validity of the account. It needs to be removed because it was charged off over 7 years ago.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-11-03
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (TX)

On XX/XX/2022, at XXXX I received a call from convergent outsourcing. I spoke with a gentleman named XXXX at the time. Upon the phone call I wanted to inform him and his supervisor that it is illegal to contact a consumer without my reaching out first according to 15 USC 1692c. I waited to speak to a supervisor and after being on hold for awhile I was told by XXXX that I would receive a call back by XXXX. I never received a call back to address the issue. I called once more on XX/XX/2022, I was able to finally speak with a supervisor named XXXX but with phone issues, I was unable to hear her or vice versa. I called back and was unable to get through.
Consumer complaint received 2022-11-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fairway Capital Recovery, LLC (RI)

In XX/XX/2022 Fairway Capital posted a collection to my credit report. I disputed it via the credit bureau and they immediately responded it was a valid debt. I then sent a certified letter to them requesting information. They refused to sign for the certified letter. 

They have never sent me any written communication. They only information I have is contained in my credit report. 

This is not my debt, but I believe the debt of a family member.
Consumer complaint received 2022-12-30
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. (TN)

The name " XXXX XXXX '' is appearing on my credit report. This is not me and never has been me. I have never went by this name and it is associated with identity theft and fraud.
Consumer complaint received 2022-11-03
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: Experian Information Solutions Inc. (NY)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.