davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-12
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: Adler Wallach & Associates, Inc. (CA)

I went through my credit report and saw that a collection was added to my report and continues to grow currently. I didnt open this account and it shows that it is currently open. The name of the collection company is AWA COLLECTIONS and they are collecting for a company named XXXX XXXX and the debt amount is currently for {$420.00}. The account was opened on XX/XX/2019 and shows that its currently opened even though it was placed for collection. I want this debt collection removed from my credit report because I dont recognize it and am not associated with it. Im providing a picture of the collection that is on my credit report.
Consumer complaint received 2022-12-01
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Persolve, LLC - Legal - Series 2 (TX)

I have filed ( 2 ) prior complaints about this debt collector already and now they are retaliating against me. This debt what paid by the XXXX insurance policy that was built into the loan for the vehicle purchase. However, it appears that this company filed a debt claim against me on XX/XX/XXXX and received a default judgement against me on XX/XX/XXXX in XXXX XXXX, XXXX  at the Justice of the Peace Precinct # 4. The problem with this is I have not lived in that precinct since XX/XX/XXXX and did not receive service in order to respond. They requested for alternative service, which I presume was either posted on my door or by certified mail at a residence in which I know longer lived and have an termination of my lease agreement from the residence that was in the applicable precinct to verify such. Additionally, since filing complaints with the CFPB regarding this account, this company is retaliating against me and has since requested to seize any non exempt property that I have to make good on the absurd default judgement, which was filed on XX/XX/XXXX! This company should have never been granted a judgement in the first place, as I was not served. This is unacceptable, unprofessional, and illegal! I am permanently, medically XXXX and receive Social Security and am on a fixed income while also being fully financially responsible for ( XXXX ) children. I do not have any non-exempt property and this company is pursuing a debt in a court where I do not live. I will be filing a complaint with the bar association against the attorney who filed these actions as well!
Consumer complaint received 2021-08-23
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Western Collection Bureau, Inc. (OR)

Monday XX/XX/XXXX, XXXX XXXX, I received a call that rang once and then went to voicemail. The number on caller ID is XXXX. The message said " This is Western Collection Bureau. We are attempting to collect a debt. Please call XXXX. '' I saved a screenshot of the call log. I also saved the voicemail message, which had the number to " please call ''. I have received other, different, fraudulent " mystery collectors '' with no known debt, about a year ago. This is the first call, on an unknown debt, if any. I challenged a medical lab on digging up an old, outdated bill for {$20.00}, from a year before ( 2019 ), after finding my XXXX, and sending it to me. It stopped sending me bills. Therefore I guessed that it was either a {$20.00} old, challenged lab bill, a minor, invalid collection attempt with nothing in writing, or a fraudulent phishing attempt.
Consumer complaint received 2021-08-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kimball, Tirey & St. John LLP (CA)

I had a property management collection account on my credit report, I was a co-signer on the contract and I paid half of the collection balance because the debt collector I spoke to promised me they would delete the tradeline or collection account from my credit report. 

Its been long time since I paid this and now that I need to get into a new apartment I can't because the account still on my credit report, I called them and now they said I am not longer liable for the debt but if I want to have the account delete from my credit I should contact the second person on the contract to have them paying the remaining of the debt or I can pay it. 

This actions from the debt collector are illegal 's, first of all this account is over 7 years old and shouldn't be on my report since XX/XX/2021. Then they lied and promised a credit report deletion as long I paid my part of the contract but now they blackmail on me to help them either paying more money or talk to the other person in the contract to pay its part.
Consumer complaint received 2021-08-23
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. (MN)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 59 days later I have not received a response yet. I feel like Im being being ignored and taken advantage of. After taking some time to do research on this matter, I concluded that a failure to investigate these items within 30-45 days gives a reason to immediately remove those items from my credit report. It has been over 59 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation, due to the stress you caused me.
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX has been illegally reported on my credit report..I formally disputed it directly with the credit bureaus in regards to their illegal reporting and have not received any satisfactorY reply..Therefore I am now filing this complaint to stop reporting this erroneous item.. 
I requested proof that the repossession of the subject vehicle was legal in accordance with the law.. Since credit bureaus were unable to provide me proof within 15 business days as required from receipt of my letter the alleged claim of deficiency will be considered null and void.. They did not remove it that's why I am filing this complaint to make you aware and take care of it.
Consumer complaint received 2019-08-01
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 XXXX XXXX has been illegally reported on my credit report..I formally disputed it directly with the credit bureaus in regards to their illegal reporting and have not received any satisfactorY reply..Therefore I am now filing this complaint to stop reporting this erroneous item.. 
I requested proof that the repossession of the subject vehicle was legal in accordance with the law.. Since credit bureaus were unable to provide me proof within 15 business days as required from receipt of my letter the alleged claim of deficiency will be considered null and void.. They did not remove it that's why I am filing this complaint to make you aware and take care of it.
Consumer complaint received 2015-07-22
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (DC)

On XXXX I placed a fraud alert. Today I ordered my free report from XXXX and XXXX, but EQUIFAX denied my request saying I already requested my report. This is false, but they offer no way to dispute it or speak to a representative. The EQUIFAX automated line says that in order to dispute this fact, I need to call the number on the report that I am saying I did n't receive. This is just wrong. A Credit Bureau should not be able to hold consumers hostage. I am a victim of the XXXX identity leak and so all Federal Employees are subject to this poor treatment. Can you help me get my free credit report from my fraud alert from EQUIFAX?
Consumer complaint received 2022-07-05
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: JPMORGAN CHASE & CO. (OR)

XX/XX/XXXX Purchased travel. Deposit paid using Chase, amount : XXXX. 
Travel was to take place XX/XX/XXXX. Disrupted due to Covid lockdowns. 
I agreed with the seller ( XXXX and XXXX XXXX ) to postpone to XX/XX/XXXX. 
XX/XX/XXXX Covid lockdowns, could not travel. I agreed to postpone to XX/XX/XXXX. 
Covid do not travel alert ( level 4 ) from State Department. 
I tried to get a refund form XXXX and XXXX was denied. 

XX/XX/XXXX I sent an email to Chase regarding a chargeback. This email was processed as a chargeback without allowing me to provide any details. I called Chase they could not allow me to speak with anyone regarding the complaint. Reason provided : back end. A few weeks later I received a letter stating my complaint was denied due to the charge being over 2 years old. I sent a letter explaining the situation and to reopen the case. Received no response.
Consumer complaint received 2022-02-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Justice Finance Company (TX)

I got and second Debt Collection Incoming call from XXXX XXXX regarding and loan accoun. 
After I has adivised them on XX/XX/2022 that i has retained Chapter XXXX Bankrupcy Counsel from the Allmand Bankrupcy Law Firm and to direct all communication with them from the PDF Chapter XXXX Bankrupcy Counsel retainers Agreement below attached in this complaint.
Consumer complaint received 2022-10-10
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. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX # XXXX, had violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions.
Consumer complaint received 2021-04-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AVANTE (TN)

This was deleted from my account awhile back because they didnt provide me with all the information that was needed such as me hippa transcript and my hipaa rights has been violated so delete this immediately and Avante is a debt buyer that bought this debt but didnt suppose to even buy a deleted account so please delete
Consumer complaint received 2019-06-17
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 contacting you because I found accounts on my credit report that does not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for.. Remove the accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX
Consumer complaint received 2021-08-23
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. (FL)

There are two accounts reporting on my TransUnion Credit file one is with XXXX XXXX and they agreed to remove it yet it is still reporting with a XXXX balance. The other account is XXXXXXXX XXXX XXXXXXXX. I had disputed it several times even contacted XXXX directly to try and get it paid off just to be done with it and they said they could not find any account under my name. So how is TransUnion reporting the information if the company can not even locate it when I speak with them?
Consumer complaint received 2019-06-17
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. (FL)

I am contacting you because I found accounts on my credit report that does not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply fo XXXX XXXX XXXX XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX has been illegally reported on my credit report..I formally disputed it directly with the credit bureaus in regards to their illegal reporting and have not received any satisfactorY reply..Therefore I am now filing this complaint to stop reporting this erroneous item.. 
I requested proof that the repossession of the subject vehicle was legal in accordance with the law.. Since credit bureaus were unable to provide me proof within 15 business days as required from receipt of my letter the alleged claim of deficiency will be considered null and void.. They did not remove it that's why I am filing this complaint to make you aware and take care of it.
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (DE)

I have been calling nation star DBA Mr Cooper my mortgage company asking them to correctly report my payment history and balance. This has been going on for over five weeks now. Every time I call them they tell me that theyre investigating it and theyll have an answer for me shortly. Or they tell me that itll be fixed by the end of the week. I called again they tell me youll be fixed by Monday they havent reported any mortgage payments since XX/XX/2020 as of today theres 13 months not reported. They also reported to XXXX  my monthly payments wrong and my balance my monthly payment is {$1000.00} they reported it was {$1100.00} also they reported my balance was {$150000.00} MY balance is {$150000.00} also my payments are up to date and there reporting one month late. Also each week I called them they actually reported more wrong information each time. my XXXX  Credit report has changed 4 times in one month each time I called they reporting more wrong information making my score go down each time they reported the wrong information.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX-Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-11
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)

Per the Fdcpa law section 809 validation of debt, I have no knowledge of the is debt or account, I contacted the creditor and CFPB for the Creditor to provide proof. Under the law, the creditor has 30 days to validate or it has to be removed. I have heard nothing in 60 days of proof. I'm asking this account be removed from my credit report or I will be forced to contact the attorney general office of this illegal account and pursue this legally.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX Account number : Account name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2022-07-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I took out a secured credit card for {$300.00} I paid on it until covid-19 then I had to make choices on buying food or gas I received a letter today XX/XX/XXXX the letter was supposed to be sent out XX/XX/XXXX when my account was sold I was supposed to be allowed up to 5 days to dispute them selling my account I just received the information today which is XX/XX/2022 I never received any information stating they were going to sell my account now is saying that I owe {$660.00} on a secure credit account.
Consumer complaint received 2021-08-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (MD)

I have a conventional loan with Caliber Home Loan. I have never been late or missed a payment. I began the process of refinance around XX/XX/XXXX. I submitted proof of income, 6 months in reserve using savings & retirement ( XXXX & Deferred comp ). 

I spoke with 2 loan officers. 1 stated, I needed a PMI, 2nd officer stated I would not qualify for a refinance that would include paying off the 1 credit card balance ( XXXX ) I received a conditional letter of approval for an amount that I latter found out was for a refinance w/o out paying off the credit card, and the new monthly payments would only be a {$50.00} savings. Neither loan offers was aware that I received the conditional letter. 

This is not my first mortgage experience with this organization, but this has been the Worst. Both officers provided contradictory responses. 

I have been told that because my house value was not high enough over $ XXXX ) that I do not qualify because of my XXXX debt which is XXXX in under a Administrative forbearance. 

I submitted proof that when the Administrative Forbearance is over my payments will not be 1 % of the loan ( $ XXXX ). My payment have Never been {$940.00}, I have always applied for a IDR. 

This complaint is being written because of the confusion. When I initially applied for the refinance, it was because I received an email stating that there would be no lending fees.
Consumer complaint received 2021-04-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (FL)

I've been fighting with the XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX to pay a claim for Hurricane XXXX, The Policy is owed by the Mortgage Servicer Round Point Mortgage. I'm paying my mortgage every month on time. I have advised the mortgage company that the house still needs repairs and unlivable. The mortgage company hasn't taken any action to remedy the situation. Something has to be done. the floors are gone, the structure of the house is compromised. I could literally fall through the cracks at anytime. I condition of the property has deteriorated since the hurricane in 2017. Its actually very dangerous. I had to purchase sheets of wood the lay on the floor to cover the wholes.
Consumer complaint received 2021-04-14
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: Experian Information Solutions Inc. (NY)

I have a scam credit pull on my report XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX Cant verify and experian will not take it off
Consumer complaint received 2022-10-11
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. (NC)

How many times are you going to let them lie and falsify entrees into the complaint response platform. 

This is not a duplicate! 

This is not a duplicate, this company XXXX XXXX XXXX is breaking the law by falsifying its responses to complaints through the CFPB portal we are using at this moment to file this as I speak.. XXXX XXXX has made several severe violations in the actions regarding to the violations and to the dispute process.. this is not a duplicate, XXXX XXXX has broken NC laws and Federal laws pertaining to 15CLet it be known to all that XXXX XXXX XXXX have perjured themselves again! ..A complete falsified response to cover up serious violations they committed over 8 weeks ago and still are hiding and breaking the law this complaint today I ask that XXXX XXXX XXXX answer the complaint I filed almost 3 months ago with regard to the damaging letter and quit lying on your responses to the federal government.
Consumer complaint received 2019-06-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (OH)

I checked my credit report on my paid prescription of XXXX and its shows a negative status on my XXXX and XXXX credit report with a Navy Federal Credit Union Installment loan from 2014. I contacted them about it and there is no record of it in there system.