davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Monarch Recovery Holdings, Inc. (WA)

The company is calling about XXXX or XXXX times a day. Once on my wife 's cell phone and the other on the landline. But they do n't leave any messages or nothing for me to call them back but I did google there numbers. But they are Monarch Recovery. They use a robo type call to get to talk to somebody but then they hang up. I did n't get anything in the mail or nothing about why they are calling. It is usually morning noon and night they call. They use different numbers to use to call me and my wife. It has been going for at least a month or XXXX so I do n't know. Whenever I pick up the phone the phone hung up on the other line.
Consumer complaint received 2022-03-16
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (FL)

Reference : HUD PARTIAL CLAIM NO. : XXXX Original FHA Loan Number : XXXX My name is XXXX XXXX XXXX. I would like to file a complaint against the mortgage company named Loan Depot. Basically, in 2020, I applied and obtained a Cpvid forbearance for one year. My monthly payments were {$3200.00}. At the end of the year, I asked to come off the forbearance as I was about to refinance the loan. Based on the monthly amount, the total I owed was about {$38000.00}. However, Loan Depot demanded that I agree to the figure of some {$48000.00}. I had no less than a dozen phone calls with them to convince them that their calculation was inaccurate. Finally, they acknowledged that their calculation was wrong ; that the real figure is {$42000.00}, and they would send me a letter to that effect. The letter never came. As the closing grew closer, I called them practically every day to request that letter. They then sent a payoff to my new lender with a figure of {$48000.00}. Needless to say that the closing agent sent a check to HUD in the approximate amount of {$48000.00}. 

I have called them another two dozen times seeking reimbursement of the extra money they sent to HUD. Finally, they gave me the name, phone number, and email address of a company called XXXX  XXXX, an alleged HUD contractor in charge of handling cases like mine. I called the company to seek assistance. They advised me that someone would get back to me within 24 hours. I sent them XXXX emails to confirm. They have never responded. Just today, I spent another XXXX minutes being jerked around by Loan Depot staff. First, they transferred me to loss mitigation. Loss mitigation transferred me to Default. Default sent me back to Loss Mitigation. They sent me to a department that handled conventional loans for XXXX depot ; not FHA loans. I decided to file this complaint because Loan Depot needs to be sanctioned and made to reimburse the {$8000.00} they wrongfully, forcefully, and unlawfully to frome me to send to HUD although I did not owe them that amount. Please find, attached a letter I sent to Loan Depot in connection with another complaint regarding the misapplication of my mortgage payments. Although some of the figures are slightly off, the letter will provide you with ample evidence of Loan Depot 's derelictions.
Consumer complaint received 2023-06-16
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. (SC)

There's a self-credit card on my report that's showing as open when it's been closed since XX/XX/2023. 

I've disputed this time after time and it still remains. I've attached proof that it's reporting as open and I've attached proof that the account is closed. 

I have the right to an accurate credit report.
Consumer complaint received 2022-05-05
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-05
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: EQUIFAX, INC. (OK)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (CA)

Equifax, a company which I do not even give permission to collect my personal information, was breached in a giant nationwide hack. My personal information was included in the hack, putting me at risk for identity fraud and theft. I do not even know to what extent, or I was one of the 200k whose credit card numbers were included in the hack.
I work in software and understand that even the most diligent corporate entities can be breached. However, Equifax is attempting to capitalize on people 's misfortune by aggressively selling their ID protection services on both the website and the telephone to the very victims of this crime. They are also still charging people to freeze their credit in the wake of this emergency.
This unethical behavior coupled with the poor IT infrastructure and negligence is appalling and needs to be stopped. It 's akin to price gouging hurricane victims. 

I also am extremely concerned for my less tech-savvy friends and family who will likely not go check to see whether they are impacted by this breach. Why is n't Equifax proactively contacting people impacted to aid them in protecting their information? Why is n't some systemic credit freezing being done across all impacted parties? 

Equifax does n't even make our credit reports available online via XXXX. You have to FAX or mail in documentation. So monitoring whether our identities are being stolen is going to be nearly impossible. And only one free report a year - how are we supposed to see if it changes?
This thing is a mess. Equifax needs to offer free credit fraud freezes, notify the injured parties, and  offer people the ability to freely pull their credit report for the next year in the wake of this disaster.
Consumer complaint received 2023-06-16
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. (TN)

This is my 3rd request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-05
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. (OK)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (CA)

My personal information was compromised in a hack of Equifax 's data. My information was apparently compromised because of a lack of adequate encryption of Equifax 's data, allowing PII to be stolen and viewed.
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (CA)

My data was " potentially '' stolen as part of the recent Equifax security breach. 

I 'm also appalled that they try to trick you into signing up for " Identity Protection '', and waiving your legal rights to sue the ever-living XXXX out of them. 

If you use their website to check if your data was stolen, DO NOT SIGN UP FOR ANY SERVICES.
Request a 90 day fraud alert from any of the big three reporting companies, and do nothing else, unless you want to freeze your credit.
Consumer complaint received 2023-06-16
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)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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.
Consumer complaint received 2022-03-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FREEDOM FINANCIAL NETWORK (CA)

Called XXXX to tell them they were settling my debt for way higher than what the creditor were ask for. For example, a XXXX was asking for XXXX and they settled it for XXXX. I rejected the offer and it said they I did. And on top of that they were going to charge me a XXXX fee. They also did this with my XXXX XXXX debt with creditor offered XXXX and they had a settlement of XXXX. They have been doing this also with an old debt for XXXX and they were settling for the PIF of XXXX when the creditor offered XXXX. Please advice.
Consumer complaint received 2022-03-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paradigm Assets, LLC (NH)

I received an alert on my credit report some time ago that a new collections account had been added by the firm JHPDE FINANCE I , LLC. I was able to find three phone numbers and an e-mail address for them and have contacted them at each multiple times throughout the last few months in an attempt to settle the debt. To date, my voicemail messages and my e-mail messages have been ignored, and the collections account continues to harm my credit. I attempted to get the Credit Bureaus involved to force them to contact me or remove the account, but the effort turned out to be fruitless. All they did was write me back saying " Yep, that's your debt. Call them. ''
Consumer complaint received 2022-03-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (AZ)

XXXX internet has a scam whereby they ask you a bogus security question when you attempt to stop there service. When you can not answer there bogus question they refuse to discontinue there service as request. 
I have spent hours trying to reason with them in at least XXXX  phone calls. I have tried to stop there service by driving XXXX miles round trip to there store. 
This is a scam plain and simple. I am now being harassed by a collection company by the name of Radius Global Solutions LLC, XXXX XXXX XXXX. XXXX XXXX XXXX MN XXXX I have explained the scam to them and told them not to call me any more but they continue to harass me. 
Thank you XXXX XXXX.
Consumer complaint received 2022-03-16
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. (PA)

XXXX XXXX XXXX Update new address and delete the old address XXXX your day is well. Please remove my address : XXXX XXXX XXXX XXXX, XXXX, PA XXXX off my credit report. Someone is forwarding my mail to a another address. 

Please use my new address : XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, Pa XXXX
Consumer complaint received 2022-03-16
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alliant Capital Management LLC (NM)

I was speaking to two individuals, I tried ti make arrangements, but when it came to the end- he asked me to provide my bank account information to secure payment. I was uncomfortable doing so and he stated that my debit card is the same thing. To me it is not the same if I call and give my debit card information versus my bank account number - and I didnt have the contract with them so regardless if I have my account to the original place I took the loan with, I do not need to provide that to the collection company. I asked if I could call back after work, three times, and all he did was threaten to escalate my case as refusal to pay when I wasnt refusing, I just needed time to figure out how I could do so, which would have been after I was out of work. He said well when you call back, your payment will be due in full. Which I think is unfair- I also asked them not to call my job as I cant receive calls- they still called the main line to my entire company.
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (OR)

I did not realize the Equifax had been compromise. I believe my ssn has been compromised. I checked on their website on XXXX XXXX and it said I may be at risk. I did not give them permission to release me private data.
Consumer complaint received 2024-02-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (OR)

on XXXX XXXX XXXX i filed complaint to chime for after XXXX years why haven't i received my XXXXXXXX XXXX closure check. they responded thru cfpb that all i had to do is contact them back and they would send money that was after they cleared whatever minor deal u. all lies and excuses
Consumer complaint received 2022-03-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (OH)

follow up to previous complaint # XXXX : I have attempted to make my payment since the XXXX of XXXX. But the loan is not booked. It is still showing my old payment amount. I can not make a payment on an account that is not booked. I called Wells, and was informed that there was a problem with my mod docs. Apparently the notary date is not legible. I have no calls, emails, or letters from Wells explaining there is an issue with the documents. I explained that it is legible to me. The representative stated they would look in to it further. Which I have no faith that they will. I have made a payment over the phone. It will most likely sit in unapplied. Please expedite the booking and post my payment. There should not be any late fees accrued for this month. Wells claims they are backed up and are taking longer than usual to review, and book their loans. They seem to deliberate in finding issues, to prevent the booking, in order to buy them more time.
Consumer complaint received 2022-03-16
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: Amsher Collection Services, Inc. (NC)

XX/XX/2019 ( 2 yrs, 8 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Original creditor name XXXX
Consumer complaint received 2023-09-21
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: Experian Information Solutions Inc. (TX)

On XX/XX/23 I disputed information and provided proof of identity theft snd proof of address I have also supplied identity theft affidavits address affidavits as well with said companies XXXX Experian XXXX XXXX These companies failed to protect my consumer rights and also violated section 605b of the fair credit report act /penal code they have also failed to thoroughly verify fraudulent accounts I have filed a legal suit against the above stated companies I requested that the companies provide proof and documentation as to how they verified the said collections and inquiries on my personal credit report below are the fraudulent Accounts and inquiries from each company XXXX XXXX Experian they gave
Consumer complaint received 2022-03-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

On XX/XX/2022 I sent in letters to the credit bureaus requesting that they verify some inaccurate things on my credit report. To this day XX/XX/2022, I have yet to receive a response from them and I feel like I am being ignored. I take my credit very seriously and these false items on my report are holding me back from a lot of opportunities I am trying to achieve. Please help me with this issue.
Consumer complaint received 2022-03-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/2022 I sent in letters to the credit bureaus requesting that they verify some inaccurate things on my credit report. To this day XX/XX/2022, I have yet to receive a response from them and I feel like I am being ignored. I take my credit very seriously and these false items on my report are holding me back from a lot of opportunities I am trying to achieve. Please help me with this issue.
Consumer complaint received 2024-06-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Block, Inc. (IL)

In XXXX I ordered a product using AFTERPAY services. During that time the seller of the product intentionally sent me a product I didn't order claiming it to be a different product. I was able to capture screen shots of the product I ordered and a picture of the product sent which was not the item I ordered. The seller is aware that this issue has occured and has since refused to assist with dealing with this. I believe the seller is intentionally sending products to collect money without spending the money to make the correct product. 

I reached out to AFTERPAY multiple times and was told that the seller could scam me and they wouldn't provide any protection if the scammer offered me even a fraction of what I spent on it. 

This doesn't seem to be good faith practices nor does it seem to be ethical on AFTERPAY 's part. After pay gives the illusion that they will protect consumers from this type of issue but then does not.
Consumer complaint received 2023-09-21
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: Experian Information Solutions Inc. (GA)

I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following itemsfrom my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-05
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: EQUIFAX, INC. (NY)

There is no third party involved. 

I, consumer, and natural man, was recently denied acquisition of reliable transportation by several companies due to the false statements and inaccurate and unverified information you are furnishing. 
You are reporting late payments on accounts that have NEVER been late! 
Pursuant to 15 USC 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

This is for the XXXX ACCOUNT THAT IS CLOSED ENDING IN XXXX. 

How can I owe on a closed account? The account is closed, and you are inaccurately reporting open balance. Please remove this at ONCE. 

you conducted a investigation? you have a witness with a statement notarized? Prove to me you are not using an automated system. If you cant prove it, it needs to be cleared. This is inconspicuous information