davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-27
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. (TX)

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. 

XXXX : # XXXX, XXXX XXXX : # XXXX, BANK XXXX XXXX : # XXXX, has 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 an 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (OR)

This is a repeat issue that is unfairly impacting my credit report In sum, I was priced out of a home and in exchange for the avoidance of further legal issues, I surrendered the keys and moved out. 

The property had my original deposit and if this price is fair -- which I will argue that it is not -- then me and my cats did over XXXX in damage upon our two years living there. WHICH WE DID NOT. 

I notified my company that this debt was in dispute yet it still has not been addressed on my credit report. 

It is not so easy to return from homelessness and chasing of false zombie debt does not help. It, in fact, hinders the consumer.
Consumer complaint received 2021-12-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (GA)

We used XXXX HomeOwners insurance and we have been turned over to collections. I have already disputed this via written letter however ; I am still receiving harassing 's communication. We sold our home and we were provided a credit due to the sale of the home which was included in the closing documents. We were even provided a refund by travelers. I am not sure how their records are prompting this harrassment but this account needs to be closed and we need to be left alone. They turned this debt over to Credit Collection Services- XXXX XXXX XXXX XXXX XXXX MA XXXX. I have since disputed this debt directly with them but it seems like that fell through the cracks.
Consumer complaint received 2021-12-10
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: EQUIFAX, INC. (TX)

Be advised that the companies and companies date listed below obtained my consumer report without my authorization or permissible purpose under the FCRA. Promptly delete the unauthorized inquiry. Equifax is not complying with my request as these inquiries unauthorized and potentially fraud. 

XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Professional Adjustment Corp. of S.W. FL., Inc. (FL)

This old Medical bill was never sent to me or disclosed to me at the time of service. This was a Co-Payment from my Insurance not covering the full amount, the amount shown is incorrect and I paid this account in full. I believe it should be removed from my Credit reports as it meets FCRA guidelines, This collection company for the hospital is practicing in bad faith, it shows that this was closed on XX/XX/2019 which is inaccurate, This was paid many years ago.
Consumer complaint received 2018-03-23
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: Experian Information Solutions Inc. (VA)

XXXX XXXX refused to remove their inquiry off of EXPERIAN after six contacts with their company and EXPERIAN and I have had no resolution. XXXX XXXX removed the inquries from XXXX XXXX and XXXX  but not EXPERIAN. I already contacted them via email and have had no response.
Consumer complaint received 2022-09-27
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. (TX)

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. 

XXXX : # XXXX, XXXX XXXX : # XXXX, BANK XXXX XXXX : # XXXX, has 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 an 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-10
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: EQUIFAX, INC. (FL)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-12-10
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. (IL)

XXXX and XXXX knew not to allow XXXX XXXX access to my credit report this month. I had a credit file lock, police report on file documenting ID theft, and a credit alert, ANd a credit lock at all XXXX agencies. Only XXXX ( TransUnion ) fraudulently allowed XXXX XXXX to access my report without my permission. The other XXXX agencies even hinted at this in my alert. TransUnion failed to alert me and block their access, while the other XXXX blocked it and alerted me about what TransUnion allowed. 
I called them and asked them to dispute it because they allowed fraud to take place. They hung up on me 3 times before claiming they finally disputed it. XXXX XXXX men picked up each time.
Consumer complaint received 2021-08-25
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: Santander Consumer USA Holdings Inc. (CA)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate.
Consumer complaint received 2021-08-25
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: National Credit Adjusters, LLC (CA)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate.
Consumer complaint received 2021-05-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fay Servicing, LLC (FL)

Good day! 

We would like to file a complaint to Fay Servicing because until now they can't provide an update on when we can get the approval letter. 

We got an update from Fay Servicing that they are countering the offer to {$260000.00}. So we submitted the acceptance of the counter offer on XX/XX/2021 but until now there is no progress. 

We want to get the approval letter ASAP because the buyer wants to close it this month. 

Please help us escalate this issue to the lender because every time we call their office, there is no progress and no updates from them unless we file a complaint here in CFPB. 

We greatly appreciate your help. Have a great day ahead!
Consumer complaint received 2019-08-06
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. (HI)

The following accounts were never a charge off, I never made a late payment on the accounts ever. 1Not to mention, they will not give me an explanation as to why they won't fix this erroneous inaccurate claim that has greatly affected my credit score. CFPB step up, reverse the late payments. XXXX  XXXX XXXX
Consumer complaint received 2022-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

I am XXXX XXXX a federally protected consumer and I am making another complaint against National Credit Systems regarding an account that they purchased from The Alcove Apts. I have sent your company several correspondences, however, your company 's response is always a computer-generated letter stating there is not enough information to validate my claim, and this alleged debt continues to remain on my consumer reports with no regard to how this affects me. First, I would like to state that I have never given National Credit Systems any permission to use any of my identifying information to commit aggravated identity theft by contacting me about an alleged debt they claim that I owe. After several correspondences and a previous CFPB complaint I have still not validated any alleged debt with National Credit Systems and while I have not validated such claim of debt this, in turn, can not be constructed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence such as a TRILATERAL CONTRACT between, The Alcove Apts, NATIONAL CREDIT SYSTEMS, and myself, giving National Credit Systems any right to collect on this alleged debt. It is my belief that National Credit Systems is attempting unlawful fraud activities and theft by deception by attempting to furnish false and deceptive forms and continues to commit several violations under the FDCPA especially when an eviction NEVER occurred. Please see attached documents.
Consumer complaint received 2016-01-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NC)

chase has provided XXXX different responses to my escrow inquiry, I agree that there should be a shortage because taxes and insurance has increased, but not a shortage of XXXX dollars. Please advise what has happened to the XXXX dollar credit when was that applied to my account you mentioned that in your last letter. Please advise what happened to my payments that were held in suspense. Please advise if you added the Escrow payment amount into the trial payment calculation and then why did the payment change, and if you put the balance back into the loan. Why do I have to pay it over again. It appears that I 'm paying the you and taxes and insurance over again. I just want a final balance amount of what I owe so that every year there is n't an increase unless Taxes and insurance increase. I do n't have a problem with the increase in taxes and insurance ... that I understand.
Consumer complaint received 2021-12-10
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. (CA)

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico  has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-12-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, New York ; ; Is refusing to help customer Made fun of their outfit I demand a response I wish to prosecute this person For Public Intimidation and Humiliation XXXX Event
Consumer complaint received 2021-04-16
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. (IL)

I am not the originator of the enclosed information on my credit report. 

INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XXXX  XXXX XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX/XXXX/XXXX unauthorized XXXX XXXX I XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX  XX/XX/XXXX unauthorized
Consumer complaint received 2019-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

For many years, I have had 2 mtgs. on XXXX, KY properties, and I live there and in XXXX.Since inception, mtg. pmts. have been debited from XXXX XXXX. In XX/XX/XXXX, XXXX had insufficient monies, so I asked PHH, the servicer, on a one time basis, to debit XXXX. In XX/XX/XXXX, rather than debit XXXX, PHH debited XXXX in error, & payments were returned. In late XX/XX/XXXX, I returned to XXXX, and opened a letter from XXXX XXXX at PHH dated XX/XX/20, saying she was my case manager, and to call her, which I did. However, each time, a recording said the extension was not available, and I was transferred to a call center in XXXX. I asked to be connected to her extension, and they tried often, without success, due to problems with their phone system. Finally, I got her email address, and only then, did she call me. I advised of the PHH error with XXXX, and that I wanted her to debit XXXX to bring my loans current, and to restore auto debits. She said she would have to research, and get back to me.She called and left VMs for me, but each time I called her, I got XXXX, and they could not transfer me to her! On XXXX, I called her again, got XXXX, & was advised that my loans were sent to foreclosure. This is outrageous and pure incompetence by PHH! I am in XXXX, where I bought a house to retire, and mailed a cashiers check to her today for the XXXXXX/XX/XXXXpmts., again asking her to restore XXXX auto debits.
Consumer complaint received 2019-08-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Credit Technologies, Inc. (CA)

On XX/XX/2019, CREDIT TECH/XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX made a hard inquiry on my credit without approval from me. I was not looking to use them as a company or even get a mortgage on a home as I am only XXXX years old. I was simply asking for simple educational questions not even looking for a mortgage or even had a home picked out to get a mortgage on. This hard inquiry should removed on my account and whenever I actually want to invest in a home I would not be interested in using this mortgage company if they add hard inquiries to my credit for no reasoning.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-08-25
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: TRANSWORLD SYSTEMS INC (MD)

The information regarding this account fails to report completely. I do not recognize this account. I do not see the monthly payment, terms, credit limit, past due, and date of last payment being reported.
Consumer complaint received 2021-12-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (MI)

My mortgage on my primary residence with Mr. Cooper ( Nationstar ) has been in pandemic-related forbearance since I lost my job in XX/XX/XXXX. I agreed to a loan modification in XX/XX/XXXX, but they have not sent loan modification documents. I keep calling them, but all they tell me is that it is " in process. '' But it is affecting my ability to refinance a Home Equity Loan ( HEL ) on my vacation home that has matured and will soon be in default. I have had several pre-approvals for HELs, but I'm told they can't close until I make three monthly payments on my modified mortgage. Mr. Cooper says they will reject any payments I send until my mortgage is modified. But they aren't sending me the documents! So they are holding me XXXX. Once my HEL defaults, my credit will be affected and I may not be able to get a loan. I suspect Mr. Cooper is stalling on mortgage modifications until interest rates go up, so they can keep higher interest mortgages they hold from being refinanced. Mine is currently 5.25 %. Are other people having the same problem? If so, this is a scam.
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

XXXX, Equifax and XXXX  is of committing fraud and illegal activity under FCRA 609 by fraudulently and illegally placing an item on ALL my consumer reports unethically. This is an invasion of privacy 1692 ( a ) and they are in violation. I have been down to the local courthouse several times and they told me they have not reported anything to these bureaus. So, how are they getting this information. This is a serious violation and this item must be removed from my consumer report. These companies are committing illegal acts against me by placing these inaccurate items on my report. I have been denied employment twice already because of my consumer report. These companies are under investigation by the ATTORNEY GENERALS OF THREE STATES, THE CONSUMER SENTINEL, THE CFPB, THE FTC, AND IM PURSUING LITIGATION AGAINST THEM FOR FRAUD PAIN SYFFERING AND ILLEGAL ACTIVITY.
Consumer complaint received 2021-12-10
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: Credit Management Control, Inc. (TX)

CREDIT MANAGEMENT CNTRL has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report also XXXX reporting last date of activity is XX/XX/2021 and XXXX is reporting XX/XX/2021 It is a violation to re-age a collection account. This information is reporting inaccurately and does not match my records. 


605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 
( letters attached to show when I disputed account below ) This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion