davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-11
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: Fidelity National Information Services, Inc. (FNIS) (PA)

I used XXXX XXXX to freeze my credit I didn't authorize any one to report anything! I have been in Chex system since 2004 I have not been able to get a bank account in my name at all! It's all inaccurate
Consumer complaint received 2021-06-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

XX/XX/XXXX I started in the federal government Covid 19 Forbearance program to end XX/XX/XXXX But due to the fact I have an FHA loan the FHA in XX/XX/XXXX issued an update to FHA Covid 19 loss mitigation Policy Letter # XXXX extending my Forbearance by One Year to XX/XX/XXXX, However, MrCooper refuses to accept the FHA Guideline extending my Forbearance by one year & has insisted & harassed me to commence payment on XX/XX/XXXX, I have written to them sending all relevant documents from FHA but to no avail, In reality, the FHA program ends XXXX XXXX
Consumer complaint received 2018-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Revenue, Inc. (ME)

Eastern Revenue Inc XXXX XXXX XXXX, XXXX, PA XXXX, ( XXXX ) XXXX Alleged Debt Owed : {$54.00} Original Creditor : XXXX XXXX XXXX
Consumer complaint received 2022-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX and XXXX continue to report a Bankruptcy they said XXXX verified. 
XXXX sent me a letter stating they deleted the error. They did not verify!! No method of verification. FCRA consumer rights violations, they must delete immediately. They ignored the letter from XXXX! Vlear violation!!! Please help!!
Consumer complaint received 2021-06-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LTD Financial Services, L.P. (FL)

XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX LTD ACQUISTN XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious LTD ACQUISTN XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2016-04-07
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (WA)

Navient calls me 10+ times a day after only being 1 day late for pmt, if I do n't answer then they harass my Mother because she is a cosigner, they call from different numbers every time and even outside of their business hours. If I answer and tell them that I plan to make a payment they still call and harass me every day
Consumer complaint received 2022-12-02
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. (CO)

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 16B1 15 USC 16B1 section 602A States I have the right to privacy 15 USC 16B1 section 604A section2 States that a consumer reporting agency can not furnish an account without my written permission or instruction to do so.

15USC 16B1.C ( AthruC section ) states no consumer reporting agency can release any adverse account information other than records of criminal convictions that are older than seven years.

15USC 16B1 section 2 ( A ) ( 1 ) States that a person shall not relay any information of a consumer to any consumer reporting agency if the said consumer know or has reasonable course to believe that any information on any credit reporting agency is inaccurate Last year my identity was stolen. 
Since that time i have been shotgunned through out colorado I have filed with CBI and the Federal bureau of investigations and have reported identity theft to the three consumer reporting agencys. 
I am also adding XXXX to this report XXXX has violated my federal rights to privacy and equality XXXX consumer center consumer number XXXX case number XXXX XXXX has violated my federal rights to privacy and equality XXXX XXXX XXXX XXXX XXXX 
XXXX has violated my federal rights to privacy and equality XXXX XXXX XXXX XXXX XXXX 
XXXX has violated my federal rights to privacy and equality Equifax Information Services LLC
Consumer complaint received 2021-06-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (MD)

I receive calls about debt collection yet when reviewing my credit statements, I have no debts in arrears. 

I receive the same recorded message from Harris and Harris Limited to call them at ( XXXX ) XXXX. They call from ( XXXX ) XXXX.
Consumer complaint received 2022-02-22
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. (MD)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX
Consumer complaint received 2021-06-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: First American Solutions, LLC (MA)

I closed on a refinance with XXXX on XX/XX/2021 for my residence located in Massachusetts. First American, who contracts with the mortgage company, incorrectly filed the mortgage with the registry of deeds. 

I have had several conversations, both telephone and email with First American in regards to fixing this issue. They have been unresponsive as it relates to resolving this issue. Not having the mortgage recorded correctly has resulted in my inability to close on a home equity loan. As I am unable to close on the home equity loan I am unable to pay a contractor for work on my home. The contractor has indicated that they will be placing a lien on my property due to non payment, which will result in filing fees and interest on monies owed. This issue could have been resolved wtihin 24 hours by First American by electronically refiling the mortgage when they were first notified last month.
Consumer complaint received 2022-02-22
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: EQUIFAX, INC. (NY)

Dear Equifax, XXXX, and XXXX. Please remove the following fraudulent inquiries from my consumer credit file. You are in violation of 15 US Code 1681. Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XXXX XXXX, XXXX XXXX, please remove the following fraudulent account from XXXX XXXX  from my credit profile as well. XXXX XXXX Account Number : XXXX This is account is not mine. Please remove it immediately. Please remove all fraudulent student loans from both my XXXX and XXXX profiles.
Consumer complaint received 2021-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I originally disputed accounts on my consumer report and Transunion and XXXX  responded that files are verified and updated on my consumer report which is a direct violation of multiple us codes including 15 usc 1681a ( e ). The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is ( obtained through personal interviews with neighbors, friends, or associates ) of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, ( such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer ) or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. ( 15 usc 1681 ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 18 us code 1028A ) - ( aggravated identity theft ) Whoever during and in relation to any felony violation enumerated in subsection c knowingly transfers, possesses or uses with out lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.
Consumer complaint received 2022-02-22
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: Experian Information Solutions Inc. (OK)

I have informed the three credit reporting agencies ( EXPERIAN, XXXX XXXX, AND XXXX ) of the fact that I am a victim of fraud and/ or identity theft. I have sent the XXXXhree credit reporting agencies my FTC identity theft report along with the appropriate proof of identity, the identification of the information on my consumer credit file resulting from identity theft, and a statement that the information is not information relating to any transaction by me. I have also demanded that they block the information on my consumer credit file no later than four business days, pursuant to 15 USC 1681c-2. Its Been 11 business days since their receipt of my documents listed above and the information still remains on my consumer credit file. 

I am aware of the credit reporting agencies right to decline a request a block, and or rescind any blocked information relating to the consumer if the consumer reporting agency reasonably determines that XXXX the information was blocked an error or a block was requested by the consumer in error, XXXX the information was blocked or a block was requested by the consumer on the basis of a material misrepresentation of the facts by the consumer relevant to the request to block or XXXX the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

i have affirmed via an affidavit that there is no material misrepresentation of the facts being made by me, the consumer. if the three credit reporting agencies believe I obtained possession of goods and or services I need a senior executive member of the company to respond with proof via an affidavit signed under the penalty of perjury.
Consumer complaint received 2019-10-04
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: McCalla Raymer Leibert Pierce, LLC (CA)

Despite several attempts, my request for the QualifiedWrittenRequest with XXXX and Affinia XXXX XXXX XXXX has been ignored. Under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ) to obtain copies of ALL documents pertaining to the origination of theLoan # XXXX TS # XXXX on the current mortgage on my property has been ignored.As of this date, XXXX and Affinia Default Services have been ignoring our request and aggressively pursuing an illegal foreclosure. Ignoring my request under Section 6 of RESPA is considered to be unlawful.
Consumer complaint received 2022-10-07
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. (PA)

Experian and XXXX continue to report a Bankruptcy they said XXXX verified. 
XXXX sent me a letter stating they deleted the error. They did not verify!! No method of verification. FCRA consumer rights violations, they must delete immediately. They ignored the letter from XXXX! Vlear violation!!! Please help!!
Consumer complaint received 2021-06-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX AFNI, INC. XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious AFNI, INC. XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2019-10-04
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: FIRST ADVANTAGE CORPORATION (TN)

I got a background check done through yall company and it came back and said that I had a XXXX   XXXX Charge. But I knew my record is clean so I called and went to XXXX County General Sessions Court Clerk and got a Disclaimer. I went to XXXX XXXX and they told me to get in touch with yalll and file appeal. So with all this said and done I want to File a Appeal for my background!
Consumer complaint received 2019-10-04
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Despite several attempts, my request for the QualifiedWrittenRequest with SLS has been ignored. Under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ) to obtain copies of ALL documents pertaining to the origination of theLoan # XXXX on the current mortgage on my property has been ignored. 
As of this date, SLS has been ignoring our request and aggressively pursuing an illegal foreclosure. Ignoring my request under Section 6 of RESPA is considered to be unlawful.
Consumer complaint received 2019-11-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: United Collection Bureau, Inc. (NC)

XX/XX/2019 XXXX XXXX called with United Collections Bureau Inc. insisted I call a friend or family member today or she would make sure our credit was permanently affected. Insisted on employer info of my husband and myself, which I refused to give. Told me this debt has gone on long enough and since we paid every month since XX/XX/2019, it was not quick enough or enough money. Insisted I open a credit card so I could pay balance in full right now. I tried to make arrangements to pay before month 's end and was told that was not quick enough or enough money. I asked her specifically to stop bullying and harrassing me and explained I would hang up and call back. When I did she called me repeatedly. I asked to speak to someone else 5 times before she transferred me to her supervisor.
Consumer complaint received 2019-07-30
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX don't reflect their true accurate status.. It is paid as agreed and on time. I am requesting that you step up and remove the late payments reported on the accounts because it is completely INACCURATE AND INCOMPLETE in reporting..
Consumer complaint received 2018-02-26
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)

In XXXX of 2007 I sold a business that I co-owned, it was sold under legal contract, to the other co-owner. From that time the new owner had 30 days to remove me from all items related to that company. Unknown to me this never happened per the contract, as we were not speaking, due to the fact that I was assaulted by my business partner. Fast forward eight years and the new owner quite paying their bills. At that time, I was contacted for collection since my name was never removed from the sold business as it was suppose to be. A court case was opened and herd, in which I was found not liable for the items in question. This information was sent to all three credit reporting agencies, Experian and XXXX XXXX both removed these items from my report after reviewing the information, but Experian didn't. We feel this should be removed as I was found not liable in court. I have always worked very hard, to maintain an excellent credit score and through no fault of mine now its damaged. Please help to get this removed from the Experian report.
Consumer complaint received 2021-07-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (NY)

On XX/XX/XXXX I received documentation from FedLoan Servicing regarding the amount of qualifying payments I had made in my Public Service Loan Forgiveness Program. The estimated eligibility dates listed were different from the documentation I received on XX/XX/XXXX. The number of qualifying payments were also incorrectly credited to two of my loans. I have contacted FedLoan Servicing multiple times since XX/XX/XXXX and they have not corrected the estimated eligibility dates and/or number of qualifying payments. 

After receiving documentation on XX/XX/XXXX with again differing eligibility dates and incorrectly reported qualifying payments, I felt this was the next logical step to have my issue resolved. 

Please be aware that I did file a complaint to the CFPB in XXXX, which resulted in FedLoan Servicing reporting an inconsistency that I detected between XXXX and XXXX stemmed from a new software program which was implemented to track the number of PSLF-qualifying payments.
Consumer complaint received 2019-07-30
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: Experian Information Solutions Inc. (FL)

I am filing this complaint because Experian and XXXX did not help me remove the accounts after so many attempts of writing dispute letters.. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts, CFPB step up and remove XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX