davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. ()

These credit bureaus have been notified XXXX times prior to me notifying you, but I do not work for XXXX XXXX and I am self employed, My company is not XXXX XXXX but neither one of these are allowed to be on the report and these must be removed. 

I own " XXXX XXXX XXXX XXXX '' This is the only name that will be allowed to be displayed on the credit report. 
I Started this company XX/XX/ XXXX XXXXXXXX
Consumer complaint received 2020-12-15
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. (FL)

I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.
Consumer complaint received 2018-05-25
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: M&T BANK CORPORATION (NJ)

On XX/XX/XXXX I closed on a cash out refinance with M & T Bank. Unbeknown to me, the FHA HAMP loan I received in XX/XX/XXXXwas missed during the title search by the title insurance company that M & T hired. In XX/XX/XXXX I was contacted by HUD that my HAMP loan became due when I refinanced. I did not know this. They want me to pay {$2700.00} a month in addition to the {$2600.00} I pay for my mortgage. I am not in a financial position to to that. I was working with M & T for two months and they filed a title insurance claim. Last month they told me to get an attorney as they are only concerned with their rights not mine. I had to borrow {$2000.00} to pay an attorney and she is working with HUD on getting a lower payment plan. Now HUD has put this HAMP loan on my credit report as a collection account which has caused not only my credit score to go down but I am unable to cosign a student loan for my daughter who is a straight A student and supposed to start college in the fall. All of this is happening because M & T and their title company made a mistake. I never should have been approved for the refinance. I need help with M & T as they need to take some responsibility in this. If the title insurance company grants M & T 's claim then I should benefit from that relief. PLEASE HELP ME!!!!
Consumer complaint received 2018-05-25
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. (TX)

CRA violation no knowledge of the fraudulent account with XXXX XXXX XXXX, Address, Telephone and Inquiries that I did not authorized appeared on my Transunion credit report.
Consumer complaint received 2022-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (UT)

I refinanced a mortgage on an investment property that I own in XX/XX/2021. XXXX lender originated the loan, then sold the loan to a mortgage servicer/lender by the name of Mr Cooper. 

My XXXX mortgage interest was built into the closing costs, the next month does not have a mortgage payment due, and so my first payment was due onXXXX the originating lender, unless the loan was transferred before then to Mr Cooper. The loan was in fact sold to Mr Cooper in XXXX with an effective transfer date oXXXX, so I would be making my first payment to them. 

XXXXwas a busy time for me. My family moved, our new home was being renovated, and I dealt with a family crisis during that time. I understood that there is a 60-day grace period starting from the loan transfer effective date, so I made myXXXXpayment as well as my XXXX payment to Mr Cooper on XX/XX/XXXX knowing that I needed to make the payments within that first 60 days. Assuming all was well, I made my XXXX payment and XXXX payments. 

A few days ago I learned that Mr Cooper forced the original lender to buy back the loan as a scratch and dent mortgage on XX/XX/XXXX because I did not make myXXXXpayment on time. I am not privy to all the discussion between the originating lender and Mr Cooper, but my originating lender is stating that the loan was being forced back to them because Mr Cooper stated the payment in XXXX was late. 

I reached out yesterday to the customer service side of Mr Cooper to ask them about the situation. Eventually I was escalated to an Executive Resolutions Specialist who claims that the loan can not have been forced back to the originating lender due to a late first month 's payment because the payment was made within the 60-day grace period window. However, internally, Mr Cooper is telling the originating lender that my XXXX payment was late, therefore the loan is now a scratch and dent loan ( and I am being forced to refinance as a result ).
Consumer complaint received 2018-05-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Dear Sir/Madam : Several false and fraudulent instruments have been filed on my property : XXXX XXXX XXXX XXXX, XXXX, California in violation of the law at, inter alia, 18 US Code 471, 472 and 473 and Cal. Penal Code 115 ( a ) and ( b ) by some people. 
In accordance to the Federal Emergency Act of 1933 -- HJR 192, Public Law 73-10, i : tendered a payment for the alleged debt, XXXX XXXX XXXX XXXX XXXX and its Co Parties, Agent ( s ) Principle ( s ) neither returned my payment, nor refused nor rejected it, therefore pursuant to UCC Sections 3603 and 3307 which are the same as California Commercial Code Sections 3-603 AND 3-307, the alleged debt is discharged. This fact [ i.e. my offer of tender and XXXX and its Co Parties Agent ( s ) Principle ( s ) refusal to accept, or deny, or reject and return of my offer of tender ] have been filed in California Secretary of State signed and executed under penalty of perjury. However, XXXX XXXX XXXX XXXX XXXX and all of its co parties agent ( s ) principle ( s ) are refusing to send my discharge papers to me while they continue to harass, intimidate, stalk and demonize me, see attached Exhibit A, which include : 1 ) true and correct copies of my filings in California Secretary of State for breach of contract, and 2 ) true and correct copies of my filings for my TILA rescission at 15 USC 1635 ( i ) 2 and at 3 ) 15 USC 16351in XXXX XXXX County Recorder.5 in XXXX XXXX County Recorder. 
i : am, therefore, reaching out to CFPB to assist in clearing the title to my home in my favor, as a matter of law, Id. 
i : look forward to hearing back from CFPB very soon. 
All rights reserve waive none By : ____________________________________ XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-03-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Advanced Collection Bureau, Inc. (TX)

I entered an apartment lease right before the coronavirus pandemic hit in XX/XX/2020. So they knew I was XXXX XXXX XXXX XXXX XXXX XXXX. They obviously had all my pay stubs and such. I was also getting out of a XXXX XXXX situation which required a lot of help. My abuser ended up finding my location and the situation became dangerous. The schools were closed by XXXX so I totally lost my income. On top of all this the apartment manager did not disclose that there was a bug infestation in my apartment before move in. I have severe XXXX. I ended up in the emergency room twice while living there do to XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I did not know that maintenance men and bug spayers would be entering my apartment at their own leisure which they also did not disclose in my lease. I paid my lease up to XXXX and was fully moved out by XXXX. I explained to them that I clearly did not have an income through no fault of my own. A direct result of the pandemic as well as my health issues including XXXX XXXX XXXX  exacerbated by men coming in and out of my apartment when I have XXXX and just exited a domestic violence issue. I am not responsible for a global pandemic that ended my work and I am not responsible for them entering my apartment at their leisure. As long as I pay rent it is my personal space not to be infringe upon especially as a victim of violent crime and none the less. I do not owe Advanced Collection BU XXXX XXXX XXXX XXXX, Fl XXXX
Consumer complaint received 2021-11-04
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: Verisk Analytics Inc (NJ)

I came across a bankruptcy on my credit report that was not fully verified. I disputed on XX/XX/2021 this information to XXXX and they claimed that it was verified XX/XX/2021. I asked for a description of procedures along with the source who provided them the information. On a phone call XX/XX/2021 they refused to provide the source other than stating that the courts hired a third party to verify the Information. Before filing the dispute I reached out to the court house and they responded to me in writing stating that they don't provide any information to credit reporting agencies or third parties and that they are unaware of how credit reporting agencies get there information. I also provided to the courts an Affidavit of facts that was notarized because I didn't authorize the release of any personal information. I then went on XXXX 's website and came across XXXX and LCI is the vendor for public records in which XXXX records. Problem is, if XXXX did a proper investigation from XX/XX/2021 dispute then they would have realized that XX/XX/2021 XXXX removed the alleged bankruptcy because it was unverifiable. On LCI 's website it states " XXXX, not LCI, matches bankruptcy information to the XXXX consumer credit files. '' Im trying to understand why XXXX would tell me that the court house hired the third party? How can XXXX trust this information if LCI hasn't verified this Information before selling it to XXXX? I want to make XXXX aware that they must fully understand by law that they must fully identify anything they get from a reseller or vendor. This not only includes the name and address but it must include date of birth and full 9 dight social security number. The FCRA also states that a bankruptcy may be on a consumers report up to 10 years but it never stated that it must be on a consumers report. Lastly I pulled a XXXX report with the docket number provided on the consumer report and it lists incomplete information which makes the report unverifiable by not listing all 9 dights of the social security number and does not have any report of a birthdate making it unverifiable. In this complaint is attached of all the evidence that XXXX should have investigated but they failed to do so because they would have to delete the bankruptcy that they erroneously reported.
Consumer complaint received 2022-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (MI)

This company has illegally obtained my mortgage. They had never received permission via court or my personal. This violates my mortgage agreement. They have also obtained my personal and Social Security numbers without my permission which is considered identity theft. Which means the company has committed a felony which violates their mortgage licenses. 
Besides this factor they have the wrong mortgage amount which is almost {$15000.00} more than my current amount. They have the wrong number of years left on my mortgage. They also have the wrong escrow amount. The wrong interest rate. Everything they have for information is wrong I have attempted to contact the company and they have refused to respond that. They keep attempting to have me sign a contract which I have refused because I am not associated with them and will not be.
Consumer complaint received 2024-02-26
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (WA)

I was sent a letter saying I was sent to collections by XXXX for an owed debt of over a XXXX. Ive never had XXXX. I tried calling XXXX and entered either my social or account number that was on the paper from IC systems, I was told it was sent to collections and I had to contact the collections agency. I sent IC systems a letter and a request via their website to send me proof of this debt beginning of XXXX and I have not heard back. Ive also never received any form of calls from XXXX and XXXX in regards to this debt.
Consumer complaint received 2022-03-08
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)

Dear CFPB I made a complaint against Equifax since XXXX XXXX, they said they were still working on it until today XXXX XXXX nothing happens It shouldn't take two month at all my credit report have not change still the same inquiry. 
I never consented to authorize nor benefited from all Inquiries and accounts mentioned on my Identity theft repot, Block, and delete them. If I have received goods and services from the furnished Inquires and account, Equifax have one of their senior executives certify under the penalty of perjury that I did receive good and service from those transactions
Consumer complaint received 2019-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Harvard Collections, LLC (AR)

HARVARD ONCE AGAIN KEEPS COLLECTING BACK TAXES FOR ILLINOIS THAT ARE OVER S.O.L. OF 3 YEARS, ALONG WITH DEBT DISCHARGED IN BK XXXX XX/XX/2018, SEE ATTACHED.
Consumer complaint received 2022-06-20
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. (MI)

THIS ACCOUNT SHOULDN'T BE LISTED AS CHARGE OFF/COLLECTION WHEN THE BALANCE IS NOT CORRECT OR INFORMATION I HAVE NEVER OWNED THIS ACCOUNT WHICH ITS CLEAR ITS FRAUD OR SOMEONE SCAMMERS AND THESE PEOPLE REUIN PEOPLE LIVES AND THATS WHEN XXXX AND XXXX XXXX COMES NOTHING WAS NEVER OWED ON THIS INACCURATE MADE UP ACCOUNT DELETE THIS INACCURATE INFORMATION PLEASE.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXXXXXX
Consumer complaint received 2018-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

- XX/XX/XXXX ; XXXX XXXX was charging $ XXXX.Claim for Excess Wear & Tear, after returning leased car. 

- XX/XX/XXXX ; Made for Total Settlement Amount Due {$1200.00} ( Account Balance {$1600.00} ) Payment Installment Plan with XXXX XXXX Down Payment Promise Date XX/XX/XXXX -  {$610.00} ( Paid on time ) Final payments @ {$610.00} XX/XX/XXXX {$610.00} ( Paid on time ) Total Payment Installment Plan : {$1200.00} -XX/XX/XXXX ; XXXX XXXX credit report to Potentially Negative Account with late payment. 

- XX/XX/XXXX XXXX XXXX sent confirmation mail, " XXXX has been settled and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 

-XX/XX/XXXX Made a phone call with XXXX XXXX discussing why my credit report was negative when I already payed off the settlements on time. The reply was if I paid off my remaining balance, the credit report wouldn't be negative anymore. 

-XX/XX/XXXX *Payed off remaining balance of {$400.00}. 
XXXX XXXX sent confirmation mail, " XXXX is now satisfied and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 
*Credit report remained negative even after receiving these confirmation letters. 
*Made a call to XXXX about this issue ; wasn't given a solution. 

-XX/XX/XXXX *Disputed to 3 Credit Bureau for issue ( See above ). 
*Received dispute result from XXXX XXXX " Completed investigation of FCRA dispute - consumer disagrees '' OR TRANS UNION XXXX " DISP INVG COMP-CONSUM DISAGRS ; >SETTLED-LESS THAN FULL BLNC< ; CLOSED. '' * Also, XXXX  sent the result by E-mail. But it wasn't opened. It looks like some kind of security problem. Any how I need to phone call to them. 

Thank you!
Consumer complaint received 2018-05-25
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: Premium Credit Bureau (GA)

sent out a certified letter on XX/XX/2018, have not received a response to why ist there a unauthorized credit inquiry from the company. In the letter I stated that if there is no verifiable reasoning or proof to please delete and taken off credit immediately. I have not received a response as of yet.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

n Accordance with the fair credit reporting act XXXX XXXX account # 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 2020-07-31
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. (IL)

Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX  XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX,. XXXX XXXX  XXXX, XXXX XXXX IS FRADULENT, XXXX/XXXX XXXX XXXX,. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX,. XXXX XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX IL XXXX My name is XXXX L XXXX XXXX My phone number is XXXX
Consumer complaint received 2022-03-04
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. (FL)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 36 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2018-05-25
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: Westlake Services, LLC (GA)

XX/XX/2018 I sent a certified letter to the Company and have not received a response or explaination of why there is an unauthorized credit inquiry on my report. I explained and that I have no knowledge or would like them to send verifiable proof that indeed this was a made by me. I HAVE NOT RECEIVED A RESPONSE
Consumer complaint received 2018-05-25
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: Asset Management Outsourcing, Inc. (GA)

on XX/XX/2018 I sent a certified letter of dispute and verification of a inquiry that was shown listed on my credit report recently for this year in XXXX and asked that it be removed immediately being that I didn't authorize the company XXXX XXXX to run any type of credit report. in return I yet not received and type of correspondence showing or verifying that I authorize any type of credit inquiry. I am asking that this inquiry be removed and blocked from my credit report.