davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-13
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. (TX)

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 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. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2021-08-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JTM Capital Management, LLC (MI)

On XX/XX/XXXX, XXXX, XX/XX/XXXX, & XX/XX/XXXX of XXXX I have sent out four rounds of dispute letters to the 3 credits bureaus in efforts to dispute inaccuracies on my credit profile in addition to the creditors. The debt keeps coming back as verified with absolutely no proof sent to me. The credit card company are sending statements in efforts to convince me that the debt is mine. I have asked for fraud affidavit, etc. I completed the fraud affidavit as requested and still the issue has not being resolved. The company continues to ignore my request for proof to validate the the debt belongs to me ( contract, promise to pay, etc. ) I've requested several investigation however, the issue still persist. Also, the company is taking longer than 30 days to reply to my request. The debt is causing harm to my credit profile and score. I can not get certain jobs or apply for certain lines of credit due to this issue. In addition to this, I have stated numerous times to the company that this is not my debt, I have never owned a credit card with this firm. This account was opened without my permission and I have no information on who, what, when, and where this account was opened. The company refuse to help! I need help.
Consumer complaint received 2023-07-03
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2023 I received a hard credit inquiry from Capital One that I did not authorize. I have since placed a credit freeze on my account. I would like the inquiry removed from my credit report and Capital One alerted on fraud.
Consumer complaint received 2021-12-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

mr. cooper mortgage company has taken incorrect amounts out of my escrow account for my XXXX XXXX 's XXXX as well as for my yearly taxes- as you might imagine, for way more than they were supposed to. 

I've contacted mr. Cooper via phone and chat now well into double digits and every time it's just more lies and deceit. My insurance company ( XXXX XXXX  ) threatended to cancel my policy due to lack of payment bc mr. Cooper didn't pay it out of my escrow account as promised. I contacted those XXXX and they told me we sent a check, oh well that its been a month and might bc lost. 

I kept getting jerked all around to departments without help. I was told that the payment was stopped and that they would send a new check. Finally, the check made it to XXXX in time before losing all of my insurance but then the first check is still lost. mr. Cooper refuses to cancel it and now my escrow account has a negative balance. They refuse to help of pay me the money that they stole from me. They haven't verified anything with me and just steal my hard earned escrow money. 

Additionally, they overpaid my yearly tax amount XXXX XXXX as well. I have letters proving the amount and they overpaid that w/o asking me before hand or verifying anything. They keep blaming XXXX XXXX and now the county- telling me that its my problem and figure it out with them. Meanwhile, my escrow account has a negative balance and I can't afford to pay for anything going forward because of them.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

I called all 3 credit bureaus and was told to send in all my documents to sow that i had fraud committed against me.So i sent everything in and i still see the accounts on my credit I then call the documents in a 2nd time to make sure they have receive them I was told them and was going to have accounts remove
Consumer complaint received 2015-11-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (MO)

Since XX/XX/2015 my mortgage company, Roundpoint Mortgage Servicing Corporation, has been charging me escrow of over XXXX dollars. My homeowners insurance company told them I did not renew my policy. That was not true.
Consumer complaint received 2022-07-06
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. (TX)

The validity on the Bankruptcy on my TransUnion credit report is incorrect. This bureau is the only bureau reporting this bankruptcy and it does not belong to me. I submitted a dispute on XX/XX/2022, whereas TransUnion returned a verified by secondary furnishers. See attached. There fore they have violated my rights as consumer on this occasion and now again on XX/XX/2022. They have not supplied the verification from the furnisher. My data information with any furnisher that they used have been block and opt out, so I am not understanding how they received information and did not send me any verification documentation. According to 15 USC 1681c " except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ( 1 ) cases under title 11 or under the Bankruptcy Act that from the date of entry of the order for relief or the duster of adjudication as the case may be antedated the report by more than 10 years. '' Also section 623 ( a ) ( 2 ) of the FCRA provided that a person sho ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the person 's transactions or experiences with any consumer, and ( B ) has furnished to a consumer report agency of that determination and provide to the agency any corrections to the information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate. 

This Bureau have violated my rights as a consumer. Not only are they violating my rights as a consumer, but they are causing detrimental harm to my credit where it is keeping me from substring a living with the rest of credit worthiness consumers that have credit like mine. I pay all my debts on time and do not have any blemishes on my credit and this is not being taken of deliberately by TransUnion.
Consumer complaint received 2018-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BB&T CORPORATION (FL)

I have one business account and one personal account. The bank said that the only accounts that I have, they are hiding a account in my name.I go to the bank and they are laughing at me when I ask for a print out with everything in my name they do not want to. This is been going on for over year.
Consumer complaint received 2021-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (MD)

I called my mortgage company in early XX/XX/2021 to request they pay my county property taxes annually instead of semi-annually, because my county offers a discount by doing so. My escrow account had the money to do so which i funded with my own money. They confirmed they would do it. 

I called again within a week to confirm again and they said they would do it. 

Finally after my taxes were actually paid by them, they didn't do it and paid semi annually so i will end up paying more in total tax. 

I have talked with their management and they acknowledged the mistake and said they would correct it moving forward and credit me the difference caused by their error. 

I went through a special review process, only to find out they are not going to follow through with the credit and also won't update my escrow moving forward. 

It seems like they continue to give me misinformation and don't actually follow through on helping. Please help!
Consumer complaint received 2021-08-26
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. (MI)

On XX/XX/XXXX, XXXX, XX/XX/XXXX, & XX/XX/XXXX of XXXX I have sent out four rounds of dispute letters to the 3 credits bureaus in efforts to dispute inaccuracies on my credit profile in addition to the creditors. The debt keeps coming back as verified with absolutely no proof sent to me. The credit card company are sending statements in efforts to convince me that the debt is mine. I have asked for fraud affidavit, etc. I completed the fraud affidavit as requested and still the issue has not being resolved. The company continues to ignore my request for proof to validate the the debt belongs to me XXXX contract, promise to pay, etc. ) I've requested several investigation however, the issue still persist. Also, the company is taking longer than 30 days to reply to my request. The debt is causing harm to my credit profile and score. I can not get certain jobs or apply for certain lines of credit due to this issue. In addition to this, I have stated numerous times to the company that this is not my debt, I have never owned a credit card with this firm. This account was opened without my permission and I have no information on who, what, when, and where this account was opened. The company refuse to help! I need help.
Consumer complaint received 2021-07-23
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)

MY IDENTITY WAS USED WITH OUT MY KNOWING BY SOMEONE I DONT KNOW, NUMBERS OF UNPAID DEBTS WAS REPORTED FRAUDULANTLY TO MY CREDIT REPORT, CAUSING MY CREDIT RATING TO BE SEVERELY NEGATIVE. I AM SUBMITTING THIS REPORT TO GET SOME HELP IN REMOVING PERMANENTLY THESE NEGATIVE ACCOUNT OF MY CREDIT REPORT.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

These debts were paid and they are showing on my credit report as charge offs. some debts still showing on my report as collections but have a {$0.00} balance. I believe these to be a misrepresentation of my credit worthiness and should be removed from my credit report at all three credit bureaus pursuant to FCRA regulations. 

Collections : XXXX XXXX XXXX opened XXXX XXXX XXXX XXXX opened 9-6-XXXX XXXX XXXX XXXX XXXX opened XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-27
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XX/XX/2021 2. Capital One XX/XX/2021 3. XXXX XXXX XXXX XX/XX/2021 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2022-03-27
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. (OH)

XXXX card Delaware is on my accounts and was closed per report records in XXXX and XX/XX/2022 during dispute on their behalf. It was showing charged off multiple times but still an open account previously. This account needs removed for the inaccuracies and multiple incorrect errors from agencies. This has kept me from moving forward with my business plans and the ability to obtain the funding I need for supplies and proper equipment including transportation and home improvement. Due to this company and its lawyer, XXXX XXXX and XXXX placing a judgement lien on my home I now have had to work so hard to apply for loans with rates that are ridiculously high and will not cover what I need to get started. I am attaching documents for exhibits. I also what to address that I am at a time in my life where my situation has changed over the past several years and attempting to make a better life. However, it is this account that is absolutely in error and requesting to be removed deleted due to the violations of my rights example of identity issues other names, phone numbers, social security number and the accounting is showing only some information with past due amount of 120 days within 30 days when a payment was made on a closed account with a credit limit but its charged off. Can someone explain this? In XXXX and XXXX, XXXX XXXX
Consumer complaint received 2021-04-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Colony Brands, Inc. (IN)

My name is XXXX XXXX Im a single mother raising my son, to my best ability trying to survive and maintain my family well fair.I have been struggling during these difficult times with COVID 19 pandemic, financially & emotionally. This debt /collection department has been hindering my credit enabling me to obtain better credit & promising future. I address this issues numerous times trying to clear a debt thats not even mine far as Im aware but cant afford for this to remain on my credit or allow this to affect me any longer than it already has which the negative report they added drop my score 78 points for continuously reporting debt not proven/validated to be my debt, Dept refuse to offer me a reasonable settlement base on my un - employment status demanding me to pay 85 % of Dept to be paid, this company is taking advantage of this situation not complying with government recommendations helping customers during this pandemic. I reached out to the company twice to prevent them from reporting on my credit for Dept that has yet been proven to be my debt please help me solve my concerns /issue with this un professional un helpful typically the worst customer service in the world Thank you
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Selene Holdings LLC (GA)

My bankruptcy was discharged on XX/XX/XXXX. My mortgage was paid in full among completion. I have a XXXX balance based on the discharge, the Notice of Final Cure, and the Lien Release from Selene Finance. I already filed a complaint with the CFPB. The complaint # is XXXX. Selene acknowledged that I do not owe anything to them. They sent me a letter with the mortgage lien release and the response to the CFPB. My credit report is showing that I owe a balance of {$11000.00} & I was past due over 180 days. I spoke with Selene & was told to file a dispute and that they would fix the error. I filed a dispute with XXXX on XX/XX/XXXX and Selene responded on XX/XX/XXXX and just added notes to the account that I owe {$11000.00} and have been over 180 days past due over 4 times. Please assist me in fixing my credit report to accurately reflect that I have a XXXX balance and have not been past due for over 180 days. I paid the morgage thru the XXXX  XXXX Bakruptcy.
Consumer complaint received 2021-07-23
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. (TX)

There are several items on my credit report that I have paid off over a year ago. Being the lender XXXX XXXX required that all open collections be paid off and they wrote a check to pay off items in order for approval of funds. 

The following account name - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX
Consumer complaint received 2021-08-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

I have been receiving an overwhelming amount of letters and calls from this company for a debt I have no knowledge of. I spoke with several representatives prior in relation to my information being breached through XXXX  around this time. I also have identity thefts instances around this year when this account was opened. 


I have paid several credit repair agencies to remove this erroneous account from my credit report.
Consumer complaint received 2022-10-16
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. (FL)

I signed up for a credit card a few months ago because I was trying to develop a credit history and few a positive credit lines on my report when I checked my credit report I saw a number of hard inquiries from credit card companies running my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX, XXXX, & Transunion credit agencies had refused to remove accounts on my credit report related to fraud and I have sent them proof on several occasions & they still refuse to help me. It has been a couple of months and they still not removing this information from my credit report.
Consumer complaint received 2021-12-13
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. (TX)

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 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. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2023-05-30
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: Experian Information Solutions Inc. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 2021-12-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (CA)

I had a visa card with XXXX XXXX XXXX XXXX I paid the balance in full by ach back in XXXX of XXXX the account was paid in full and I closed it. 2 months ago I was contacted by National Credit Adjuster on Behalf of XXXX XXXX XXXX trying to collect {$400.00} on this paid/closed account. I have tried multiple times resolve with NCA directly, provided copy of my bank statement etc. as proof of account paid. They refuse to remove the error from my credit reports. Another oddity is that they contact me in my former married name of XXXX, I opened the account in my maiden name of XXXX, I have tried to resolve with credit card company directly and am unable to speak to someone above a low level basic customer service level.