davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-28
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Northwood Asset Management Group (UT)

This company northwood asset management has repeatedly contacted me and other XXXX party persons not associated with the person they attempting to collect a debt from. When asked to stop and told they can not call us they have threatened and used obscene language and threatened us. When told this is not the number to contact said debtor they insist we must give them information about us and the person they are attempting to contact.
Consumer complaint received 2015-12-22
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Credit Management, XXXX XXXX XXXX, XXXX XXXX CA XXXX, has called me repeatedly for at least 6 months accusing me of a credit card debt in XXXX 2014 of over {$800.00}. I have spoken to XXXX representatives and all three have assured me that the last XXXX digits of my SSN and the last XXXX digits of my credit card number do not match the card holder that they want to contact. They promise each time that I will not be contacted again but that has not happened. I noted the names of XXXX of the representatives that have promised to delete my phone number. Those names are XXXX XXXX and XXXX XXXX. I have twice asked to be referred to a supervisor. I waited on the line for 60 minutes and another time for 17 minutes. My credit card co. agrees that I do not owe this amount. Also, Midland is looking for a person that has a slightly different name than the XXXX on all of my credit cards. 
I am really feeling harassed with no end in sight. Can you get them to cease and desist? 
I have blocked XXXX of the phone numbers that Midland uses but they continue to call using different XXXX and XXXX numbers. I am becoming very concerned that my excellent credit rating is going to be compromised
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: Experian Information Solutions Inc. (AR)

I'm member of Experian who file disputes of potentially negative items still remaining on my credit report. That should have been remove several months ago. 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 2022-04-13
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. (CA)

Last year I discovered a false account with XXXX XXXX  and XXXX XXXX. They told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX  and XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX  and XXXX XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Consumer complaint received 2022-04-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Remex, Inc. (NJ)

Before attending the appointment at Remex Inc, the attendee stated that her car insurance was responsible for the charge however the receptionist agreed that the auto insurance was responsible for the charge. The attendee made it very clear that if she made the appointment she would not pay for the visit and the receptionist agreed that she would not have paid for it. Months later the attendee receives a bill that she owes a remaining balance of XXXX which she does not pertain to according to the receptionist and her insurance
Consumer complaint received 2022-04-13
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)

Hi, my name is XXXX XXXX and I have been trying since XX/XX/22 to get in contact with the three credit bureaus XXXX XXXX and Experian in which they have never gotten back. I have several delinquencies on my credit in which the bureaus don't respond and get back to within 30 days, I have not received results of my investigation and they are saying as an excuse that it is not me trying to contact the bureaus on my credit. I have been dealing with these issues for some months now across all three credit bureaus and I need this fixed as I am trying to get a home. None of the information is verifiable as they either ignore me or throw it back on which XXXX has done on numerous occasions but shows me no proof of the information I am disputing as to how it is my debt and validated. I am reaching out to the CFPB as after dealing with this for 6 months I am done with my rights being violated, ignored and taken advantage of.
Consumer complaint received 2021-05-17
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. (AZ)

1. I don't know who this account is? 

2. I have disputed this with equifax and the company, nothing has been sent to me showing that this account is valid. 

3. This is hurting my credit report as it shows to be derogatory on my credit. 

4. The balance shows {$0.00} 5. The company is reporting the status of the account as Current. 

6. The company is reporting the Credit Limit as {$0.00}. 

7. The company is reporting the account as being charged off and suspended. 

8. The company is reporting the Date of Last Activity as XX/XX/XXXX XXXX. The company is reporting the Last payment as XX/XX/XXXX. 

10. In the payment history the company is reporting Payments made : XXXX - XXXX XXXX - XXXX XX/XX/XXXX All this information is contradicting itself, and looks like fraud. I have no information on this account and I don understand why Equifax is choosing to allow this to happen.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I sent a letter to Experian, XXXX, and XXXX on XX/XX/2023. Its been well over 30 days. I still have received anything back. 

According to 15 USC 1681i ( a ) ( 1 ( ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. 

This a violation of my rights.
Consumer complaint received 2018-04-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Municipal Collections of America Inc. (IL)

MCOA AT XXXX is calling me repeatedly for a debt my sister owes them. I do not have any information for my sister and yet they are relentless in their calls. 
The last call was on XX/XX/XXXX at XXXX XXXX. If You dont provide them with your phone number or your account number they are extremely rude and will not give you the time of day. I dont have my sisters account number Or phone number so therefore I can not help them I just asked them to take me off their list which they will not do.
Consumer complaint received 2021-05-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Smith, Cohen & Rosenberg LLC (AZ)

1. This is a Business, not a personal account. 

2. Company Has not provided a contract and or additional information to validate this account. 

3. I attempted to contact the company and XXXX not receive any information. 

4. I disputed the account with XXXX  and did not a response with valid information to keep reporting this on my credit report. 

5. SCR Solutions is Re-aging this account which is a FCRA violation. 
Attached is my report. 
SCR and XXXX are reporting XXXX Credit Report Date of Last Activity : XX/XX/21 XXXX Credit Report Date of Last Activity : XX/XX/21 XXXX Credit Report Date of Last Activity : XX/XX/21 XXXX. XXXX  XXXX XXXX XXXX is listed as : {$7800.00} but the balance on the account is listed as {$10000.00} showing that this information is inaccurate.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

XXXX XXXX XXXX With this company I didnt give them authorization to run my credit at all. 

XXXX XXXX With this company I didnt give them authorization to run my credit at all. 
XXXX XXXX XXXX With this company I didnt give them authorization to run my credit at all. 
XXXX XXXX XXXX With this company I didnt give them authorization to run my credit at all. 
XXXX XXXX # XXXX I didnt give this company authorization to run my credit at all. 
XXXX XXXX # XXXX I didnt give this company authorization to run my credit at all. 
XXXX XXXX XXXX My credit wa ranned twice with them, I didnt give them authorization to run my credit. 
XXXX XXXX XXXX credit wasnt supposed been ranned at all with this company. 
XXXX  XXXX This company didnt have the authorization to run my credit at all.
Consumer complaint received 2022-04-12
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. (NC)

I XXXX XXXX XXXX herby state the following : In accordance with the Fair Credit Reporting act XXXX  Account ( s ) XXXX  # XXXX ; and 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 a account without my written instructions.
Consumer complaint received 2021-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

We closed on a mortgage refinance on XX/XX/XXXX, at closing ( when we closed on the loan ), approximately {$1300.00} was collected by then mortgage holder XXXX XXXX, XXXX, for 12 months of hazard insurance. Shortly thereafter, XXXX XXXX  sold the mortgage to US Bank. I assumed that the collected hazard insurance funds would be provided by US Bank to my insurance provider ; XXXX. I didn't receive any notification of a lapse in payment until my insurance provider phoned me on XX/XX/XXXX, indicating that the current mortgage holder ; US Bank, did not make any Hazard insurance payment ( despite collecting 12 months of Hazard Insurance at closing and collecting approx {$100.00} monthly via my mortgage payment. ) That same day, my insurance provider also called US Bank, during that call my insurance provider explicitly told them they needed to make a payment to XXXX immediately to bring the insurance current, which a representative of US Bank apparently ( according to my insurance provider ) agreed to do. 

I assumed this was matter was taken care of until I received a letter from US Bank, dated XX/XX/XXXX indicating that insurance had lapsed and that although they admit to speaking to my insurance provider, US Bank dishonestly claims " that there was no mention of a lapse in payment '' and rather the insurance agency had contacted US Bank over an " incorrect mortgagee clause '. This a patent lie, the entire reason for my insurance provider to reach out to US Bank was to insure that a payment was made on my hazard insurance. 

I then received notice from US Bank dated XX/XX/XXXX that they had not received proof of insurance for the period XX/XX/XXXX to XX/XX/XXXX and if they did not receive proof, they would charge me for " {$4600.00} annually '' for insurance coverage for the period indicated. This amount is almost 3x what I am paying for Hazard insurance. I believe this is an example of incompetence on the part of US Bank ( they just failed to make the payment ) and them trying to stick the consumer with the bill for that incompetence.
Consumer complaint received 2022-04-13
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. (NY)

XXXX XXXX XXXX keeps reporting inaccurate information on my credit reports knowing that its all wrong what they are reporting no closed no date of last activity date of first delinquency even a date of first major delinquency on the day they sold the account its been more than 8 complaints and disputes with The CFPB compliant numbers XXXX XXXX XXXX XXXX now that they were sued for this they still have not updated my reports
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (SC)

I currently have a security freeze on my Equifax report due to past fraudulent activity. These companies were not authorized nor was I notified by the companies that this inquiry was taking place. 

On XX/XX/2019, I was notified that the following inquires had taken place, I contact Equifax by telephone and talked to a customer service representative. At this point I was notified that there was nothing that Equifax could do to remove these hard inquires. 

This is why I have a security freeze on my Equifax credit report so that this does not happen without the companies contacting me for verification. Neither of these companies have contacted me either by telephone or mail. 

Hard Inquires made without my authorization or knowledge. 

XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX I have attempted to contact the above companies for an explanation and neither one would provide any assistance.
Consumer complaint received 2021-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (OR)

On XX/XX/2021, my local bank in XXXX, Oregon ( Simple Bank was their name ) closed. Accounts were all moved to BBVA. I waited a couple of days, then followed all of the promps to log in and change my account to BBVA. There is no support from Simple. They are completely cosed. I started calling BBVA. I have tried at least 5 different numbers. I have made over 20 calls since XX/XX/XXXX. I have spent more than 24 hours on the phone. Hold, transfer, give all info, hold, transfer, hang up. No one at BBVA can assist me in getting access to my account. They have reset passwords and I am still locked out. 
My debit card does not work. I have NO NO NO access to my money and BBVA does NOT have any concern for this little worker. 

They are very difficult to communicate with and sometimes impossible to understand.
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 — Information belongs to someone else
Company: Porania, LLC (NY)

I have these accounts that are not mine and i want them to be removed. 


1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2019 This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2018-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

I HAVE BEEN DIPSUTING MY CREDIT REPORT AND HAVE PUT A FREEZE ON ALL THREE CREDIT REPORTS FOR FRAUDLENT ACTIVITY AND TRYING TO DELETE THE INCORRECT ADDRESS AND TELEPHONE NUMBERS AND NAMES FROM MY CREDIT REPORTS, I HAVE UPLOADED REQUESTS XX/XX/2018, I HAVE FAXED REQUESTS AND ENT CERTIFIED MAIL XX/XX/2018 AND RECIVED A RECIVED RECIPET DATE XX/XX/2018.
Consumer complaint received 2017-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MA)

Company : American Express Card : SPG Problem : Did n't get my welcome bonus for nearly 3 months. Tried to contact the company in earlyXX/XX/XXXX, and they said my issue would be resolved in 6-8 weeks. I contacted the company again on XX/XX/XXXX. They said again that they would fix my problem in 6-8 weeks. 
Today ( XX/XX/XXXX ) I contacted them again, they still tried to prolong the process.
Consumer complaint received 2022-04-12
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)

The company XXXX XXXX has flagged your account as 60 Days Past Due on XX/XX/XXXX. On XXXX of my credit reports knowing I filed for XXXX XXXX XXXX XX/XX/XXXX, they have called me several times and sent emails.
Consumer complaint received 2022-04-12
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)

The company XXXX XXXX has flagged your account as 60 Days Past Due on XX/XX/XXXX. On XXXX of my credit reports knowing I filed for XXXX XXXX XXXX XX/XX/XXXX, they have called me several times and sent emails.
Consumer complaint received 2022-04-12
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)

The company XXXX XXXX has flagged your account as 60 Days Past Due on XX/XX/XXXX. On XXXX of my credit reports knowing I filed for XXXX XXXX XXXX XX/XX/XXXX, they have called me several times and sent emails.
Consumer complaint received 2017-08-28
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Brock & Scott, PLLC (VA)

Brock & Scott PLLC ( B & S ) is produced and recorded with XXXX  County Circuit Court a false Appointment of Substitute Trustee from the alleged Lender/Investor XXXX  XXXX XXXX XXXX XXXX ( XXXX ). Appointment was signed and notarized by XXXX XXXX XXXX XXXX employee acting as " attorney -in-law '' for XXXX and notary public also employee of XXXX . 
On, XX/XX/XXXX, in accordance with 28 U.S.C. 1746, I sent a second request to verify the alleged debt as follows : 1. Provide Lenders direct contact including name, address, and direct phone number according to 15 U.S. Code 1692g ( b ) 2. Alleged Account # with Lender/Note Holder/Investor 4. Amount of alleged debt : 5. Date this alleged debt was acquired.
7. Amount paid if debt was purchased.
8. Provide copy of Servicing Agreement between alleged Lender/Note Holder/Investor and loan servicing company. 
9. Authorization to an alleged Servicer to Foreclose on subject property on behalf of Lender/Note Holder/Investor.
10. Provide verification that your company as a debt collector is authorized to act on behalf of the stated creditor.
11. Verify specifically, name ( s ) of person ( s ) assigned as Trustee to handle trustee sale and to be held accountable. 
XXXX XXXX XXXX provided only a copy of deed of trust and Note, but with a word REDACTED on it to create an impression, the documents are made from legal size pages. 
On XX/XX/XXXX, in response to my previous complaint, B & S claimed to have the original copy of Deed of Trust and Note. This is a lie to government agency. 18 U.S.C. 1001 is generally prohibits knowingly and willfully making  false or fraudulent statements, or concealing information, in " any matter within the jurisdiction '' of the federal government of the United States. 
If B & S insists on having the original Deed of Trust and Note, I demand to mail a copy of original legal-size Deed of Trust and Note to CFPB and to the Office of Virginia Attorney General, Consumer Financial Protection section, and to me for a comparison, as I do retain a  homeowners copy of all closing documents including the Deed of Trust and Note. 
Otherwise, I want you to know that B & S engaged into white-collar crime by conspiring with XXXX in their attempt to commit a civil theft and fraud against Land Record.
Consumer complaint received 2016-02-18
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Regional Processing Services (KS)

I was contacted by Regional Processing Services regarding " an urgent matter. '' The person on the phone asked for my social security number and claimed no information would be provided to me until I gave my complete SS number. I refused, asked them to stop calling, and requested written notice of the " matter '' they are calling about. The caller hung up without verifying my address. Since this incident, I and my family members have received numerous calls.
Consumer complaint received 2021-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX XXXX in XXXX of 2020, sent my personal credit information to multiple banks. 
I had my funding already from my bank. The following inquiries was placed on my credit fraudulently. 
XXXX XXXX XXXX from XX/XX/2020 XXXX XXXXXXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/202XXXX XXXX XXXX XXXX XXXXXXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX  XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXXXXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXXXXXX XXXX  Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX