davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-27
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. (NV)

I am not responsible for paying the accounts..I do not owe this debt nor the accounts XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX. I am extremely concerned about the actions the credit bureaus are having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap
Consumer complaint received 2021-11-12
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the last letter written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please REMOVE the following accounts completely from my Credit Reports : Charge Off XXXX XXXX  XXXX XXXX {$1800.00} XXXX XXXX XXXX {$510.00} XXXX XXXX  XXXX XXXX {$8700.00} Collection XXXX XXXX XXXX XXXX {$980.00}
Consumer complaint received 2019-07-27
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Amos Financial LLC (NY)

On XXXX / XXXX I occupy XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX ) through Adverse Possession from XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 

On XX/XX/XXXX I filed ( Index # XXXX ) for Adverse possession at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX Contact Holding purchase the building ( XXXX XXXX XXXX XXXX ) from Ms. XXXX. During the closing the mortgage indicated it was null. The title company is XXXX XXXX XXXX XXXX. 

Ms. XXXX has large family which members intimidate me to move from XXXX XXXX XXXX On XX/XX/XXXX I filed a complaint with XXXX Dept. of Finance and on-line 311 Complaint form. On XX/XX/XXXX I filed a complaint with XXXX Sheriff Dept. ( XXXX XXXX XXXX, XXXX, XXXX XXXX ) During the bill of sale of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( last known address : XXXX XXXX XXXX, XXXX XXXX XXXX was never on sale document. 

On XXXX XXXX, XXXX Mr. XXXX XXXX XXXX went to XXXX XXXX Supreme Court stating he was the owner from XXXX and after XXXX XXXX XXXX purchase XXXX XXXX XXXX in XXXX that they were co-owner for a non-existing mortgage. 

As a result there is a foreclosure Auctions schedule foe XX/XX/XXXX at XXXX at XXXX XXXX XXXX, Rm XXXX, XXXX XXXX ( XXXX # XXXX ). 

Attorney XXXX XXXX XXXX XXXX, have a different office address listed. On court documents it stated her office is located at XXXX XXXX XXXX XXXX fl. But on internet it shows her office is located at XXXX XXXX New Jersey ( XXXX ). Mr. XXXX XXXX XXXX XXXX referee also sell property on Realtyhop and is familiar with XXXX area where Mr. XXXX XXXX XXXX lives for years. 

The property allegedly has several banks. The first was XXXX XXXX  which went out of business XXXX, FDIC ( XXXX ) is listed but their nature of business is saving and checking, and Amos  Financial LLC located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX. 

Attorney XXXX XXXX XXXX which specialized in Family law and Social Security Disabilities claims called me from Nevada ( XXXX ) stating she was never Mr. XXXX XXXX XXXX lawyer but court document on XX/XX/XXXX Index # XXXX never show XXXX XXXX or Contact Holding as Defendant.
Consumer complaint received 2022-05-18
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: I.C. System, Inc. (OH)

On XXXX XXXX the collection agency I.C. System Inc. add a derogatory mark on my credit report per XXXX. Upon, Further research, this account was transferred/sold and i am no longer responsible for the account. This creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( I.C. System Inc ) has violated my rights as a consumer and i am requestion legal actions to remove this account immediately
Consumer complaint received 2019-01-30
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: DISCOVER BANK (FL)

I went to buy a phone on XXXX and they told me my card was not working the lady that work there used my card without permission i contacted XXXX more then 60 times and they refer to my credit card company my credit card company send me to XXXX. i contacted the police and they told me since they dont keep video past 30 days to contact my credit card company since its fraud. my credit card company Discover send me to XXXX. and the circle continues. i didn't get anything from XXXX i didn't authorized the cashier to used my credit card for her personal used. she not working with them anymore.
Consumer complaint received 2021-11-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NC)

I moved out in XX/XX/2019. All rent was paid until XX/XX/2019. There should be no balance. I suffered a XXXX and they wouldn't let me move downstairs ( per doctor request ). So I had to move. All money was paid until XX/XX/2019.
Consumer complaint received 2021-11-12
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: EQUIFAX, INC. (GA)

After i disputed information that was on my credit report, The credit bureaus h ave verified information on my credit report that by law only i can verify. I do not not verify any accounts that i have disputed with the credit bureaus. They are in violation of the FCRA.
Consumer complaint received 2021-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

To whom it may concern : I reviewed a copy of my credit report and ( XXXX XXXX XXXX ) address XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XX/XX/2021 ( CAP ONE NA  ) Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XX/XX/2021 Ran an unauthorized credit inquiry on XX/XX/2021 and XX/XX/2021. 
I never authorized such action and this constitutes a violation of my Rights under the fair reporting ACT:604 as well as a violation of my rights to privacy. Please contact ( XXXX XXXX ) and ( CAP one ) and investigate such occurrence. This needs to be removed immediately. 
I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of :612 ( 15 USC:1681j ) there should be no charge for this report. In addition, as part of youre investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.
Consumer complaint received 2022-05-18
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. (AL)

XXXX accordance with the Fair Credit Reporting act XXXX  account # XXXX, XXXX XXXX  account # 's XXXX, account number XXXX, account # XXXX, account number XXXX, XXXX XXXX account number XXXX, has violated my rights. 

XXXX accordance with Fair Credit Reporting Act, XXXX XXXX account # 's XXXX, XXXX, XXXX, XXXX XXXX account # 's XXXX, XXXX XXXX account XXXX XXXX, XXXX. XXXX account # 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 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (FL)

In XX/XX/2022, my student loans with FedLoan Servicing were transferred to XXXX pursuant FedLoans contract termination with the federal government for student loans. When FedLoan transferred my loans, rather than adhering to the Department of Educations guidance that student loan accounts should be designated as transferred rather than closed, FedLoan reported my account as closed, resulting in a 73+ point drop to my credit score. This significant drop caused exclusively by the way FedLoan reported the transfer has serious ramifications on my ability to make purchases requiring the use of credit. Because FedLoan is no longer operating as a student loan servicer and no longer has access to any of my accounts, I can not raise the problem with them directly.
Consumer complaint received 2019-07-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: LOBEL FINANCIAL CORPORATION (CA)

Ive paid roughly {$4000.00} of car notes on my {$10000.00} XXXX loan. My payoff amount is still over {$10000.00}. Ive read similar complaints of this company falsely reporting and stealing money from consumers. They need to be investigated.
Consumer complaint received 2021-11-12
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: Navient Solutions, LLC. (GA)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-11-12
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MUTUAL OF OMAHA MORTGAGE, LLC (SC)

Unsolicited FHA refinance offer is misleading/deceptive! Major point is they focus on payment savings vs my current loan but never bring into the offer the cost of the UFMIP or the monthly cost of .80 MIP which significantly reduces the forecasted savings. If I were not a mortgage professioanal I would not have been able to see this, and I wonder how many consumers do fall for this. One last point, my rate is not 3.75 % but 3.625 % and I do not have any PMI/MI on my current loan. By adding FHA monthly MI to the {$290000.00} base mortgage the cost of {$190.00} reduces the forecasted monthly savings to only {$73.00}. However, by adding the UPMIP the final savings are even less. Deceptive and misleading advertising like this needs to be stopped. I did not apply, nor call them, as they simply omitted the impact of FHA insurance in their analysis.
Consumer complaint received 2019-01-26
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. (IL)

I disputed these unauthorized inquiries months ago, however, the credit agencies investigation came back verified. Now I'm requesting the Method Of Verification, who verified these inquiries, and I'm requesting the physical documentation of verification or as stated in the FCRA, if not then these following inquires shall be blocked/ removed. 

1 ) XXXX ( XXXX ) 2 ) XXXX XXXX XXXX  ( XXXX ) 3 ) XXXX  ( XXXX ) 4 ) XXXX XXXX ( XXXX ) 5 ) XXXX XXXX ( XXXX ) 6 ) XXXX XXXX XXXX ( XXXX ) 7 ) XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX ) ( XXXX ) 9 ) XXXX XXXX ( XXXX ) ( XXXX ) 10 ) XXXX XXXX XXXX ( XXXX ) 11 ) XXXX XXXX  ( XXXX ) 12 ) XXXX XXXX ( XXXX ) ( XXXX 13 ) XXXX XXXX ( XXXX ) 14 ) XXXX  XXXX ( XXXX ) 15 ) XXXX  XXXX ( XXXX ) 16 ) XXXX ( XXXX ) 17 ) XXXX XXXX ( XXXX ) 18 ) XXXX  XXXX ( XXXX ) 19 ) XXXX  ( XXXX ) ( XXXX ) 20 ) XXXX XXXX XXXX ( XXXX ) 21 ) XXXX XXXX ( XXXX ) 22 ) XXXX XXXX  ( XXXX )
Consumer complaint received 2023-10-01
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)

In accordance with the Fair Credit Reporting act., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A. States I have ( he 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 wilhout my writen instructions
Consumer complaint received 2019-11-21
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. (MN)

looking to purchase a home and upon reviewing my credit report, I became aware of inaccurate or fraudulent information. I have asked each credit bureau to verify and remove all inquiries and negative reporting items on my report as they do not belong to me.
Consumer complaint received 2022-12-16
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: Experian Information Solutions Inc. (PA)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2018-07-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (AL)

I was notify by the I.C. System of a debt that I do not owe with XXXX. The account that they are talking about is XXXX ( XXXX ) and they have it under account number XXXX and the reference number is XXXX. The problem is that order was cancel back on XX/XX/XXXX. I have call XXXX and spoke to a XXXX, XXXX and no one can seem to find it. I do not owe them anything because it was cancel. I live in an apartment complex and satellites are not allow and I have my lease to proved. So it was never set up and I never got any equipments. I do not owe anything and XXXX said they do not see anything concern this account nor my phone number. Could this be a scam. Usually it takes 90 days before a company would put thing in collection department. If this order date was made and cancel on XX/XX/XXXX and and I am getting a collection notice from I.C. System on XX/XX/XXXX and XXXX has it only collection department that I find out this morning. and they do not know anything about this. I concern this may be a scam and I do not owe anything because it was never setup and I have not sign anything and my landlord does not allow satellite at the apartment.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I am writing to express my dissatisfaction with the handling of fraudulent items on my account with Credit Bureau. Despite promptly reporting these fraudulent transactions, I am dismayed by the delay and inefficiency in their removal. I discovered unauthorized transactions on my account, which I immediately reported to your company 's customer service department. I was assured that swift action would be taken to investigate and remove these fraudulent items from my account. However, to my dismay, the process of removal has been unduly prolonged, causing me significant distress and inconvenience. As a valued customer, I expect timely and efficient resolution of such matters to safeguard my financial well-being and restore my confidence in your company 's services. The continued presence of these fraudulent items reflects poorly on your company 's commitment to customer satisfaction. I urge you to prioritize the expedited removal of these fraudulent transactions from my account and take proactive measures to prevent similar incidents in the future. Additionally, I request transparent communication regarding the steps being taken to address this issue and provide assurances of enhanced security measures moving forward. Failure to resolve this matter promptly will compel me to escalate my concerns to relevant regulatory authorities and explore alternative recourse to protect my rights as a consumer. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX, XXXX XXXX XXXX Opened XXXX XXXX, XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.
Consumer complaint received 2022-05-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account GULF CST COL XXXX balance {$150.00} has just popped up on my credit report without ever communicating with me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely.To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING.The Federal Trade Commission recently took action against a XXXX collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX 
I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.