davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CT)

My mortgage is currently serviced by Carrington Mortgage Services ( CMS ). CMS has advised that there is an escrow shortage of {$7200.00} due to flood insurance. CMS has claimed that the shortage stems from the billing from the insurance agent. However, my insurance agent has issued statements showing that the insurance is paid up to date and they also issued a {$3800.00} refund. CMS has refused to issued proper accounting statements, even though I have requested them via QWR, which is a violation of RESPA and HUD law. CMS is clearly distorting the escrow account, to press foreclosure action. CMS has refused to move ahead with loss mitigation efforts as well, which is a violation of CFPB law. I feel cheated and deceived by CMS and I am seeking your assistance on this matter.
Consumer complaint received 2020-06-05
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: CAINE & WEINER COMPANY, INC. (OH)

I noticed a charge for Caine and Weiner on my credit reports. Its for XXXX XXXX. I called XXXX XXXX last week and found out the charges are from XXXX when my ex husband added his car to my insurance. I since learned he called and acted as if he were I. This is identity theft. I filed the identity theft affadavit with FTC and sent it to XXXX XXXX and called to follow up. They told me pretty much its not fraud and to send a divorce decree and that its been so long they probably couldn't fix the issue. IT WAS DONE WITHOUT MY AUTHORIZATION. THE CAR WAS NOT MINE NEITHER ARE THE THE CHARGES. I PAID {$250.00} to start the policy and cancelled as soon as I realized the car was added. I had insurance for 1 month and was billed over {$600.00}. I also opened a new policy with the same company when I cancelled this policy. I currently have XXXX  and have for the past 5 years. I pay my bills. This bill I am not responsible for as I did not add the car to my policy. Caine and Weiner was also made aware of the situation last week and advised I call XXXX to solve the issue.
Consumer complaint received 2019-01-30
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Access Receivables of NC Inc. (PA)

I received a letter dated XX/XX/19 from Access Receivables about collection. I was out of town when the letter was received but on XX/XX/XXXX wrote a letter to the company requesting validation of the debt. I have continued to get daily phone calls and messages- many while I am working. I called them back today and reiterated that I have requested validation and will not talk to them - not to call me - while I have not received validation. The rep began to argue with me that they will not send me a personal letter and how else are they supposed to contact me. I reminded her it is my legal right to request validation in writing and they are disturbing my ability to work. She STILL did not say they would not call or that they would send me a letter ( as I understand is required ) and raised her voice so I terminated the call
Consumer complaint received 2019-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (CO)

I tried to apply for a job with XXXX and XXXX.. the background company checkr reports that my license is expired ... I went to the dmv and paid for a drivers license record ... I sent the record via email to checkr.. they sent me another background check when the same wrong information ... they told me they get their information from the dmv ... but if I got my record straight in person from the dmv they should fix their misinformation .... my commercial drivers license is canceled at the moment but not my regular license ... in the middle of the front page is where to find the correct information
Consumer complaint received 2019-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Hey in Last year send all documents to credit bureau never got any response back items still remind on my credit report by law after 30 day 's no response company supposed remove items.
Consumer complaint received 2022-09-01
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: EQUIFAX, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Equifax requesting that they DELETE this erroneous account being reported on my Credit File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue the Credit Bureaus for their willful non-compliance of the FCRA statute. It is improper to continue reporting this account as unverified information without creating proof within the time permissible by law. Only if Equifax chose to remove the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be DELETED is : XXXX XXXX Date Opened XX/XX/XXXX Balance {$1600.00}
Consumer complaint received 2019-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

Hello, My name is XXXX XXXX XXXX and again, I am reporting incorrect account information on All three of my credit reports with XXXX, XXXX and EX. 
There are three trade accounts, which have been opened without my acknowledgement and are fraudulent. I have taken the liberty of contacting the Federal Trade Commission and am ready to take action against the agencies that continue to list these three account under my name without valid proof. 
This is not the first time I have been in contact with these agencies about this. 
I am requesting that effective, immediately all three of the below mentioned accounts be removed and deleted from my credit record - without delay! 

XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX. Bal of : {$22000.00} XXXX XXXX XXXX Opened XX/XX/XXXX. Bal of : {$9100.00} XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX. Bal of : {$480.00} I have been in continuous contact with all three bureaus and have received no assistance with these complaints. They have advised me that they will not removed the entries and have stated that they will NOT instigate or provide assistance, Even hung up the phone on me. I believe this fraud is actively knows with the bureaus and they too receive some sort of financial aid in playing a part of reporting items that they known to be fraudulent!
Consumer complaint received 2018-04-16
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. (GA)

XX/XX/2018 XXXX XXXX I am sending this letter in regards to the time frame of 1 year that I have sent several certified written requests by mail and realized their were no responses, so I decided to contact you through this portal to make sure this message is recorded and by witnessed by The CFPB, FTC, Georgia Clerk Of Courts. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation, a consumer contract with my signature on it as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be removed immediately and permanently within 24 hours. I am disputing the erroneous information as an internal dispute/affidavit your company is falsely acccusing me of. I dont know what affect it could be because I was once an identity victim also I have been affected by several breaches with XXXX, online over the internet as well. 
You have placed erroneous information on my credit file that includes a debt that Im unaware of A : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX. B : ERRONEOUS INQUIRIES - 1. XXXX   XXXX 2. XXXX  XXXX 3. XXXX XXXX 4. XXXX XXXX. To my knowledge your are violating me and my rights trying to collect a debt you claiming I owe and that I am unaware of. It is impossible to collect a debt that you didnt verify 100 by taking the correct steps for verification along with providing me an original contract with my signature on it. By law you are required to remove the debt permanently and immediately. I am demanding that this debt is removed within 48 hours of this  receipt. This is the final attempt to contact you.
Consumer complaint received 2022-03-05
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: EQUIFAX, INC. (NJ)

The following unverified item is being reported in violation of federal law. 
XXXX XXXX They are required under the FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) to have a copy of the original documentationon file to verify that this information is mine and is correct.
Consumer complaint received 2019-02-03
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/XXXX I called Capital One to dispute 2 credit cards that I found on my credit report. I have never opened nor authorized anyone to open a credit card under my SS number for Capital One. It took Capital One over 15 days to get back to me and at that time the supervisor told me that there are 3 cards under my name. Account ending in # XXXX, Account ending in # XXXX, & Account number ending # XXXX. I did file a complaint regarding this with Consmer Protection. A supervisor called me from the Executive office on XX/XX/XXXX to discuss the account. She stated that they find the accounts valid because the cards and the statements were mailed to my place of business. I stressed to her that there are over 500 offices  in my building and whom received the cards. The address that they sent the cards too do not even have my business suite number on the accounts. I have attached a copy of my Illinois Cyber Drive Detailed Report with my correct address on it. They do not have this address on file. They are missing the suite number. This is why I stressed to her numerous times that I did not receive the cards. I also asked her if the charges on the account were reviewed and she said no. She also stated that there were payments being made to the Capital One accounts from 2 checking accounts that do not even belong to me. One was a bank named XXXX and the other was XXXX XXXX. I have never had a checking account with either of the banks listed. They are accepting payments from a fraudulent bank account to pay for the charges ( that does not belong to me ). I asked for proof that these accounts belonged to me and they will not send me any information. I have provided them with a police report that all of my information was stolen and that I am a victim of identity theft.
Consumer complaint received 2019-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Hello, My name is XXXX XXXX. XXXX and again, I am reporting incorrect account information on All three of my credit reports with XXXX, XXXX and EX. 
There are three trade accounts, which have been opened without my acknowledgement and are fraudulent. I have taken the liberty of contacting the Federal Trade Commission and am ready to take action against the agencies that continue to list these three account under my name without valid proof. 
This is not the first time I have been in contact with these agencies about this. 
I am requesting that effective, immediately all three of the below mentioned accounts be removed and deleted from my credit record - without delay! 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX. Bal of : {$22000.00} XXXX XXXX XXXX Opened XX/XX/XXXX. Bal of : {$9100.00} XXXX XXXX XXXX XXXX AT XXXX Opened XX/XX/XXXX. Bal of : {$480.00} I have been in continuous contact with all three bureaus and have received no assistance with these complaints. They have advised me that they will not removed the entries and have stated that they will NOT instigate or provide assistance, Even hung up the phone on me. I believe this fraud is actively knows with the bureaus and they too receive some sort of financial aid in playing a part of reporting items that they known to be fraudulent!
Consumer complaint received 2019-02-03
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: REGIONS FINANCIAL CORPORATION (AL)

I tried to rollover two separate IRA accounts. The IRA 's were suppose to be sent electronically from XXXX XXXX XXXX, to Regions Bank. One account was accepted, by having a required disbursement made and deposited into a CD account. The remaining amount that the disbursement was made from, was then supposed to be comingled with the other IRA & made into one separate IRA rollover. Regions documentation shows transfer was accepted, however the account that was set up, was cancelled, because Regions states " the account had not been funded ''. Then XXXX XXXX states " they sent a check to Regions. However, that check has not been deposited and account opened, This took place XX/XX/2017, the amount was 20,000 plus.
Consumer complaint received 2019-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Hello, My name is XXXX XXXX XXXX and again, I am reporting incorrect account information on All three of my credit reports with TU, XXXX and XXXX. 
There are three trade accounts, which have been opened without my acknowledgement and are fraudulent. I have taken the liberty of contacting the Federal Trade Commission and am ready to take action against the agencies that continue to list these three account under my name without valid proof. 
This is not the first time I have been in contact with these agencies about this. 
I am requesting that effective, immediately all three of the below mentioned accounts be removed and deleted from my credit record - without delay! 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX. Bal of : {$22000.00} XXXX XXXX XXXX Opened XX/XX/XXXX. Bal of : {$9100.00} XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX. Bal of : {$480.00} I have been in continuous contact with all three bureaus and have received no assistance with these complaints. They have advised me that they will not removed the entries and have stated that they will NOT instigate or provide assistance, Even hung up the phone on me. I believe this fraud is actively knows with the bureaus and they too receive some sort of financial aid in playing a part of reporting items that they known to be fraudulent!
Consumer complaint received 2023-01-26
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: AMERICAN EXPRESS COMPANY (NC)

After an audit of my finances I some fraudulent charges on my credit cards. I was told because the charge is over 60 days old I wouldn't be able to file a claim how is this legal unfortunately for I don't always check my statements and usually just make payments I am now fully reviewing my statements monthly so this will no happen again. 

XX/XX/15 XXXX XXXX {$19000.00}
Consumer complaint received 2022-08-29
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$4500.00}, DEPT OF EDUCATIONXXXX XXXX XXXX opened XX/XX/XXXX Balance {$6700.00}, DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$6900.00}, DEPT OF EDUCATION/NELN XXXX Date opened XX/XX/XXXX Balance {$12000.00}, DEPT OF EDUCATION/XXXX  XXXX Date opened XX/XX/XXXX XXXX {$6500.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$11000.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$3200.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$20000.00}, XXXX AR XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$1200.00}, XXXX XXXXXXXX XXXX  ( Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX XXXX CONNECT ( Original creditor : XXXX XXXX XXXX. ) XXXX  Date opened XX/XX/XXXX Balance {$1100.00}, and XXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX  ) XXXX Date opened XX/XX/XXXX Balance {$4100.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-09-01
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: EQUIFAX, INC. (NC)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$110.00}
Consumer complaint received 2019-02-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (SC)

In XXXX of XXXX, enhanced recovery company attempted to collect a debt on behalf of XXXX XXXX XXXX XXXX. This debt was posted on my XXXX and XXXX  credit reports. 
I was un sure where this debt came from, given the fact that I have not had any type of XXXX services for 10 years. I requested debt validation in XXXX of XXXX from Enhanced Recovery Company, to which they never responded. It has been a year and this debt that I am not responsible for remains in my credit file. This is not my debt and I would like it removed off my credit report ASAP.
Consumer complaint received 2018-04-15
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. (FL)

Dont know who is XXXX/ XXXX ?

This company pull my credit without my Authorization on XX/XX/2018.

This issue takes down my credit score.
Consumer complaint received 2022-09-01
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. (NC)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$110.00}