davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-19
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CFM Group LLC (CA)

XXXX XXXX, with CFM Group, contacted our company via email attempting to collect for open invoices.

We requested signed Proof of Deliveries ( P.O.D. ) for the invoices before the invoices would be paid immediately and to contact the vendor 's district manager in regards to this matter. 

Ms. XXXX stated that invoices do not need a signed delivery verification. I stated that we have a written contract with the vendor requiring signed P.O.D. 's before invoices would be paid. 

Ms. XXXX stated that she had a copy of the contract and that it states no such requirement. I asked for a copy of the contract to be emailed to me. 

Her email response : " I will just allow this debt to remain her in collections and on your credit as negative mark. Will not go back and forth with you in regards to your credit/debt. '' In conclusion, Ms. XXXX used lying tactics in order to collect this debt. 

If copies of the email correspondence are needed, please do not hesitate to request the correspondence from me.
Consumer complaint received 2018-08-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (TX)

Capio Partners is proposing that I owe a debt in the amount of {$530.00} to them from XXXX XXXX XXXX. I have tried to dispute this debt on multiple occasions and they're not sending the original contract with my signature on it.
Consumer complaint received 2022-07-26
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. (GA)

I am a victim of identity theft! I am a real person this is not a credit reporting agency helping me I am a human being conducting this transaction personally there are XXXX accounts reporting in XXXX Trans Union/ and XXXX that are fraudulent! Ive reached out to them directly Several times the past XXXX years! As well as file complaints with the @ CFPB and the Federal Trade Commission Report Number XXXX : XXXX/XXXX/Transunion have not reinvestigated my dispute nor removed/blocked or complied with the CFPb or the FTC. The last explanation that I got for them not investigating my dispute was they said and I quote we didnt Investigate that is because you maybe had a third-party prepare or help you!?
Consumer complaint received 2022-07-26
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: EQUIFAX, INC. (LA)

I forwarded a letter to the Equifax and XXXX Credit Bureaus dated XX/XX/2022 to delete this suspicious information. I think you have not validated this account in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX, and I'm including it again : XXXX XXXX Balance : {$0.00}
Consumer complaint received 2018-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NC)

Account # XXXX Claim # XXXX I am filing a complaint against Ditech Financial, LLC. Hopefully my complaint will benefit many others. I had smoke damage in my home. My insurance has come and access the damage and written the check to cover it. However ; it is written in my name and my mortgage company. I would like to endorse the check and send it to them so they may endorse it and send me part or all of it to start the process of making the repairs. I also plan to send my claim report from the adjuster, In addiction Ditech is requesting for an estimate of the material that will be used from XXXX or another supplies place. Well actually I tried to get that information. But XXXX was unsure how to give that information since it requires price, quality, and quantity. from the claim. It is about 9 rooms that that has to be restored, serviced, and remodeled. All rooms won't use the same material. I need to start and figure out what is needed along the way. My insurance company said all they need to do is cash the check and write me a check to begin then verify what was done, and give me the balance. I am doing the work myself under the coaching of a skilled handyman. They want to pin me down to a certain company to buy the material. But I plan to do that according to whoever give me the best deal with the price, quality, and quantity. Here are the places I plan to use XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX and XXXX. You would think that Ditech would like the house repaired since they still hold an interest in it. If there is any other information that you may need, please call XXXX XXXX. Thank you very much for whatever help you can give.
Consumer complaint received 2018-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

Chapter XXXX bankruptcy is invalidly reporting on credit bureaus have contact them to get it removed and all three major credit bureaus refuse to remove it. Along with bankruptcy the following accounts need to be removed : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX these are not my accounts they are on my report as a result from ID Theft ; credit agencies also have copy of police report and ID Theft Report # : XXXX.
Consumer complaint received 2022-07-26
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. (IL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance : {$910.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX
Consumer complaint received 2018-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BBVA FINANCIAL CORPORATION (TN)

I was sent letter I was pre-approved for a BBVA ClearPoints Credit Card. 
I applied on line. 
Website advised was declined and they would send me a letter with explanation. 
I received a letter dated XX/XX/2018 that said " unable to verify your identity ''. 

APPLICATION ID XXXX I called them at the number for questions that was on the letter and was told that they tried to call me " on a mobile number '' to text me a code to send back to them and that is the ONLY WAY that they will verify identity! I DO have a landline.

( 1 ) I am not able to get a signal on my cell phone at my residence which is in a valley among several mountains-can only use it when I go to town or on a trip.

( 2 ) I am XXXX years old and I don't even know how to text!

( 3 ) The letter said the denial was NOT based on information from a consumer reporting agency.

I talked to 4 different departments and they all said adamantly the mobile phone was the ONLY way would verify identity.
Consumer complaint received 2022-07-26
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. (PA)

It appears that my credit 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. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$1100.00} XXXX/XXXX  XXXX Balance : {$1000.00} XXXX  XXXX  XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$630.00} 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 2022-07-26
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. (PA)

It appears that my credit 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. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1100.00} XXXX/XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$630.00} 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 2019-08-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CT)

Since XX/XX/2019, I have been contacting New Rez LLC regarding our FHA Loan and the PMI cancellation. My spouse and I were denied on that inquiry, and resubmitted the request in XX/XX/2019 after making an additional principal only payment of {$1000.00}. On XX/XX/XXXX, the company acknowledges receipt of the payment and new request to remove PMI from the loan. The status of the inquiry sat pending from XX/XX/XXXX, until XX/XX/2019. After numerous phone calls from XX/XX/2019 through today, XX/XX/2019, I had gotten no where with the company. We believe at this point that there should be a refund of a couple payments of PMI that should've already been off the loan by now. Terrible customer service with no answers, or follow through that was stated on many of their calls.
Consumer complaint received 2019-08-30
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. (AL)

I had a legal full name change back in 2017. I took the steps to make sure banks, employers, and all legal documents reflect the change. 

I am trying to open a line of credit, and my banks are unable to validate my identity with the credit agencies. I had this problem earlier this year and was unable to resolve it. 

I mailed a copy of my updated : ( State driver 's license, Passport, Social Security letter of confirmation, Official court order of name change, XXXX military ID, a bill with my name on it, birth certificate and my Marriage licence & certificate ) to Experian and they did not update my information, nor did they respond. Because of this I am still unable to access my credit, open a line or do anything. 

I've tried contacting them however I can not get past the automated mailbox, their website will not validate me or work at all. 

My name is XXXX XXXX XXXX. My old name was XXXX XXXX XXXX. My number is XXXX XXXX Thank you so much for any help you may provide.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-06-11
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: Westlake Services, LLC (CA)

XXXX, XXXX, and XXXX are been non-compliant with removing the unverified account WESTLAKE SERVICE INC XXXX. XXXX, XXXX, and XXXX have both completed their research and determined that WESTLAKE SERVICE INC was not established by myself but XXXX, XXXX, and XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX, XXXX, and XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (CO)

Incorrectly reporting to credit bureau on date of late payment. Showing on XXXX and XXXX as XXXX and XXXX as XXXX. Disputed consistently for 90 days. Last disputed XX/XX/2018 with XXXX  and Ally financial. Have records from Creditor showing their own information is incorrect, payment history and letter. Consistently refuses to fix disputes even though admittedly over the phone has said several times it is incorrect.
Consumer complaint received 2023-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX, this complaint is not made in error nor 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 account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX Date Opened XX/XX/2022 Balance : {$200.00}
Consumer complaint received 2018-11-16
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

XXXX about EQUIFAX, INC The company 's response to my dispute was to only indicate that the item I was disputing was not on my credit report. They did not provide me with any information on the item that WAS on my credit report ( Same creditor ). I called and they said that they couldn't authenticate me so they could not help me at all. I am not aware of the charges because I did not incur them. I need to know the details of the item so I can validate them, as they are not mine and I need to gather my proof. How can I prove a negative???? I have no idea of what the charges are for.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$28000.00}, XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-05-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

On XX/XX/XXXX I could not pay my mortgage payments because of COVID-19 pandemic. I have two loan on my home. The problem is with my second mortgage. I applied for mortgage deferment and it was accepted. After six months my first was extended for another six months but my second was denied. The mortgage company started foreclosure notice. After trying to talk to them and explaining my job situation, they did not accept my reason for falling behind my mortgage payments. I borrowed some money and on XX/XX/XXXX made a {$1100.00} payment and on XX/XX/XXXX made a {$1000.00} payment trough my bank. The payments were returned on XX/XX/XXXX and XX/XX/XXXX because my loan was in default. Meanwhile I had to go overseas for work on XX/XX/XXXX. After trying to talk to them to buy some time unsuccessfully and with foreclosure proceedings going forward, again borrowed some money and made a payment on XX/XX/XXXX for the amount {$7100.00}. The foreclosure notices kept coming. On XX/XX/XXXX made a payment for the amount {$2000.00} and on XX/XX/XXXX made another payment for the amount {$3000.00}. After making payments and bringing my payments up to date. They charged me {$250.00} for late charges and drive by appraisal, I tried to talk to them to waive these charges because of the special situation of COVID-19 and jobs which I was having, but did not accept and they also reported my late payment to Credit Reporting Agencies. I have paid all the late charges and appraisal fees and I am up to date on my mortgage now. They could have helped by waving late charges and drive by appraisal.
Consumer complaint received 2018-11-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Commercial Services, Inc (TX)

XX/XX/18, {$1500.00} XXXX XXXX and National Commercial Services have been targeting me since XXXX stating that I wrecked one of their vehicles and requesting/threatening to suspend my license which is false. They can't seem to provide any legal evidence/police reports or anything to show I was involved in this?
Consumer complaint received 2018-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (CA)

Chase charged interest on the average balance rather than the unpaid balance. {$17.00} interest on {$530.00}. They show an average balance of {$1100.00} and based the interest of 17 % on that amount. They are refusing it. They claim that this issue shows on the disclosures. They claim that I was short only {$1.00}, that this calculation would take place. 

I have been in XXXX  for 30 years and have never heard of this method.
Consumer complaint received 2018-11-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2018 I received a text alert from Chase saying that someone is trying to send money through XXXX from my account. I immediatly called the fraud department at Chase and told them that i not initiate this transaction and they need to block this and any transactions. Despite this Chase let 3 transfers totaling {$5400.00} to two different people. I went to Chase bank and discussed this matter, the fraud department said they see no fraudulent transaction and that these transfers were made from one of my devices. I DID NOT make these transfers nor do i know anyone of these people.