davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CARCO Group, Inc. (FL)

My background check via XXXX, ordered on XX/XX/XXXX and completed on XX/XX/XXXX, for admission into medical school incorrectly states that according to " records found '' my reported dates of employment at XXXX XXXX XXXX XXXX are incorrect when, in fact, they are correct. I do not know who gave them false information, but the report states that my dates of employment were XX/XX/XXXX to XX/XX/XXXX, which are rather the dates for my teaching at a different High School in the same general region, called XXXX XXXX XXXX XXXX The correct dates of employment at XXXX XXXX were reported as and are, in fact, XX/XX/XXXX to XXXX ( or XXXX ) XXXX. There is a difference of three years. I hope this does not detrimentally affect my admission/matriculation to the medical school for which I ordered this background check. 
Please see the relevant dates contained in the documents here attached.
Consumer complaint received 2021-03-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (FL)

The companies we are dealing with is Selene Finance the mortgage servicer and the investor XXXX XXXX in XXXX XXXX XXXX. My complain is the delay in modification decision and the time line for response. The document received from Selene Finance was dated payment expected by XX/XX/2021 we received documents Via mail on XX/XX/2021 XXXX with a week to respond to the trial Modification 2 months after promise date of Modification. 

The amount Selene Finance is stating for 90 day trial is XXXX with no explanation as to what the funds would be applied to in writing. We are still not sure who holds the mortgage and if this not a charge off mortgage that they are trying to collect on the original mortgage was held by XXXX XXXX. XXXX was appraised condition is fair House has flooring and roofing problems ceiling cracking the value was not up to area comp sales condition of House is poor. Things that need to be repaired total XXXX.
Consumer complaint received 2022-02-05
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: Experian Information Solutions Inc. (PA)

I am writing to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity theft and did not male these charges. I ask that the items be deleted to correct my credit report. I reported the theft to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Theft Affidavit. Please delete these items as soon as possible.
Consumer complaint received 2021-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/21, I closed on a refinance of my loan, resulting in a payoff of the original mortgage held by SunTrust. The loan funded and paid more than what was owed on the loan balance, as confirmed by SunTrust 's website on XX/XX/21. Every three days following that pay off, I have attempted to contact SunTrust by phone or by their web messaging to obtain a refund of the over payment and my escrow balances. On two occasions, most recently on XX/XX/21, I reached a call center rep only to be hung up on and forced to start over after hold times of 30 minutes. 

The branch offices tell me they can not help, and I have no means to obtain my money owed by the bank, or even an online site to view the balances as they remove the loan from the site as soon as it is paid off. Please help me by inspiring a response to my request for repayment.
Consumer complaint received 2016-07-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MARINER FINANCE, LLC (PA)

Mariner Finance XXXX is reporting a debt on my credit file. The debt belongs to a family member. They sent a check in the mail to my step daughter in her name for {$710.00} and she cashed it at her bank. She failed to pay the debt and after they failed to get payment from her they attached it to my social security number and changed my name on my credit file to her name. We have disputed the fraudulent debt with XXXX twice and the cfpb once, and they fixed it. Mariner however is still reporting it to XXXX under my social security number. XXXX has investigated it twice and are still saying it 's my debt. I have never been a customer of Mariner Finance and believe they have obtained my social security number, and are fraudulently and with malicious contempt to collect a debt under false pretenses
Consumer complaint received 2022-02-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY (CA)

Target Card Services has reported XX/XX/2022 that I was late {$28.00}. However, I was not notified either by telephone or email that a payment had been missed; resulting in a 30 day late Negative Item on my credit report. I called, wrote and disputed the Negative Item and have since paid the account in full. As a long time cardholder, I have diligently paid this account by or before the payment due date. Your assistance with my dispute is greatly appreciated.
Consumer complaint received 2022-10-09
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. (MS)

According with the Fair Credit Report Act XXXX  acct no. XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. it states I have a right to privacy. 15 U.S.C 1681 SECTION 604 a section 2 also states consumer reporting agency can not furnish an account without my written instructions. 

According with the Fair Credit Report Act XXXX  acct no. XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. it states I have a right to privacy. 15 U.S.C 1681 SECTION 604 a section 2 also states consumer reporting agency can not furnish an account without my written instructions. 

According with the Fair Credit Report Act XXXX acct XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. it states I have a right to privacy. 15 U.S.C 1681 SECTION 604 a section 2 also states consumer reporting agency can not furnish an account without my written instructions. 

According with the Fair Credit Report Act XXXX acct XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. it states I have a right to privacy. 15 U.S.C 1681 SECTION 604 a section 2 also states consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: KEYCORP (WA)

I have been scammed by a fake cryptocurrency platform, I have invested to that fake platform, when I wanted to withdraw my money it made excuses and blocked me from that platform, I started researching a bout that platform, I found out that it was fake and I got scammed, I contacted the bank, send emails, calls, I didn't receive respond from bank through email and I received negative responded by calling the costumer service. please see the attach file for more information regarding my complain and my story.
Consumer complaint received 2022-02-25
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 — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

During the pandemic, in XXXX, I was in need of deferment. I had held my mortgage with Bank of America since XXXX and had never had any missed or late payments. Upon request, they did offer deferment on my mortgage for XXXX months. In XXXX, XXXX, I attempted to pay the deferred amount and brought my mortgage current with a payment of more than nine thousand dollars. 

At this time, since I made the payment, I believed the deferment was paid in full. Recently, I noticed an amount of XXXX on my statement noted as a " deferred '' balance. Several weeks ago, I contacted Bank of America Mortgage Unit, explained my concerns. I was told the deferred amount was not paid in full as they applied the payment to principle, deferments can't be paid until the loan is paid in full, it's placed on the back end, not earning interest and not including in my balance. 

I also inquired as to why they are reporting XXXX as included in balance to the credit bureau as my balance is XXXX per Bank of America, but they are reporting a balance of XXXX to the credit bureau 's. Bank of America game me a case number # XXXX and stated the issue will be corrected within ten days, but it has not been corrected. 

I have filed disputes with both XXXX XXXX and XXXX regarding my balance. They both conducted investigations. The results are per Bank of America the balance is reported accurately. 

Bank of America is in violation of the Fair Credit Reporting Act. This issue is reducing my credit score and needs to be corrected.
Consumer complaint received 2018-07-01
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. (PA)

Hello Im happy to be a american today. Im not knowable about credit. I went to check my credit and noticed multiple inquiries that I dont recognize. I contacted the companies they said the i must contact each person and I did from the inquiry information on my report. They said there is nothing I can do. I told them could this effect my citizenship a few said yes. So I said how can I remove this and proof it wasnt me. They said I might have to get deported. I dont understand why I didnt do this. I googled and found your company. Can you please help remove this information from my report. I didnt apply for any of this credit inquiries. I have multiple. Please help me. Verify a signature and photo of person who did this please.

XXXX   Equifax XXXX  XXXX XXXX Auto Financing XX/XX/XXXX Yes Yes XXXX Auto Financing Companies XX/XX/XXXX Yes XXXX XXXX XXXX Credit Unions XX/XX/XXXX Yes XXXX Finance,  personal XX/XX/XXXX Yes XXXX XXXX XXXX Banks and S & Ls XX/XX/XXXX Yes XXXX Mortgage Reporters XX/XX/XXXX Yes Yes Yes XXXX XXXX Auto Financing XX/XX/XXXX Yes Yes XXXX Auto Financing Companies XX/XX/XXXX Yes XXXX Finance, personal XX/XX/XXXXYes XXXX XXXX XXXX Banks and S & Ls XX/XX/XXXX Yes XXXX XXXX Auto Financing XX/XX/XXXX Yes Yes XXXX XXXX XXXX All Banks - non specific XX/XX/XXXX Yes XXXX XXXX Automotive XX/XX/XXXX Yes Yes XXXX Finance, personal XX/XX/XXXX Yes XXXX XXXX XXXX Finance, personal XX/XX/XXXXYes XXXX XXXX Banks and S & Ls XX/XX/XXXX Yes XXXX XXXX Banks and S & Ls XX/XX/XXXX Yes XXXX XXXX Banks and S & Ls XX/XX/XXXX Yes XXXX XXXX   Automotive XX/XX/XXXX Yes Yes XXXX XXXX XXXX.

All Banks - non specific XX/XX/XXXX Yes XXXX Mortgage Reporters XX/XX/XXXX Yes Yes Yes XXXX XXXX XXXX XXXX All Banks XX/XX/XXXXYes XXXX XXXX Banks and S & Ls XX/XX/XXXXYes Yes XXXX XXXX Automotive   XX/XX/XXXX Yes Yes XXXX XXXX Credit Card Processors XX/XX/XXXX Yes XXXX Banks and S & Ls  XX/XX/XXXX Yes Yes XXXX XXXX Auto Financing XX/XX/XXXX Yes Yes XXXX Finance, personal XX/XX/XXXX Yes XXXX XXXX Finance, personal XX/XX/XXXX Yes XXXX XXXX XXXX Automotive XX/XX/XXXX Yes
Consumer complaint received 2024-02-14
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: ENCORE CAPITAL GROUP INC. (CO)

After checking my credit report I am writing to bring to your attention a concerning issue I have been facing with my credit report. I have consistently requested the removal of unauthorized hard inquiries, which I have noticed on my credit report without any prior knowledge or approval. Despite sending letters to all three major credit bureaus, I am uncertain about the effectiveness of my efforts, as these unauthorized inquiries persist on my credit report. Given the impact of such inquiries on my creditworthiness, I kindly request your assistance in investigating and resolving this matter. I appreciate your prompt attention to this issue and look forward to your guidance on how to rectify and prevent these unauthorized hard inquiries from negatively affecting my credit profile. dditionally, I have encountered another issue with a specific company that continues to report information on my credit report even after I have formally requested them to remove it. Despite my efforts and correspondence with the company, they have not taken the necessary steps to rectify the erroneous reporting. Given the significant implications of these issues on my financial standing, I kindly request your urgent assistance in investigating and resolving both matters. Your intervention and guidance on how to rectify and prevent these unauthorized hard inquiries and erroneous reporting from affecting my credit profile would be greatly appreciated. Thank you for your prompt attention to these pressing matters, and I look forward to your assistance in resolving these issues. I sent my first letter in XX/XX/23 and XXXX additional letters after in regards to not only this issue but many more that is stated in the attached letter.
Consumer complaint received 2022-12-04
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. (LA)

XXXX accordance with the fair credit reporting act XXXX  account # XXXX XXXX # XXXX, XXXX # XXXXXXXX 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 XXXXXXXX, 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 2021-03-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (CA)

This is another fraud debt collection scam by Credence at 2 locations XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX and Credence Resource Management LLC XXXX XXXX XXXX XXXX, MI XXXX, In XX/XX/2017 The account was paid off and New service began with another cable subscriber XXXX there offer for new service was to pay-off your existing cable service which was XXXX XXXX XXXX, apparrently some how after 4 years, they are claiming that this amount was never paid for XXXX XXXX XXXX where I have been a customer since XX/XX/1994 at the same location. I noticed over the many years they periodically send the same notice from the same company.
Consumer complaint received 2019-05-25
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)

The information listed below is false account information. These accounts do not belong to me and must be removed immediately. I have filed a complaint with local authorities and the FTC. 

1 ) XXXX XXXX XXXX XXXX   {$14000.00} Opened XX/XX/XXXX 2 ) XXXX XXXX {$0.00} Opened XX/XX/XXXX 3 ) XXXX XXXX {$5000.00} Opened XX/XX/XXXX
Consumer complaint received 2016-02-23
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Radius Global Solutions LLC (PR)

I am receiving frecuent calls from this number. I do not know the person contacting me but i suspect its a debt colection agent in representation of a debt collection agency which bought my debt at a lower price than what i owe. Buying debt specially at a fraction of the cost is an illegal act and its usury. I understand that every 7 yeard debt must be discharged and this has not happened. I cant pay that debt since I do not have a job that pays enough to get rid of the debt. I am under XXXX as well since the economy drove me to be on federal aid since there is no job opportunities nearby and im not willing to go out in exile to the usa to work there. I do not earn enough get out. Please make them stop i dont like the harrasment and i was very clear as i am not taking any calls and i am not going to pay the debt because i am broke.
Consumer complaint received 2022-12-04
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. (LA)

n accordance with the fair credit reporting act XXXX  account # 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, has violated my rights. 
15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-02-25
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. (MA)

For the last year, I have been hard at work paying off or down ALL OF MY DEBT! 

I got offer for a couple of New Cards ( XXXX XXXX XXXX XXXX ) with better interest rates and higher credit Limits, so I opened them. Have used them and paid the balances in total monthly. Most all of my other cards now have Zero Balances. I believe I have a {$6000.00} debt on credit cards for which I have over {$100000.00} credit available. 

All of my other payments, mortgage, car loans and personal loans show excellent payment history. 

My credit score has dropped drastically from ( Excellent to now only Good ) over the last couple of months with absolutely NO apparent reason. This is with ALL 3 major agencies. 

I have recieved no explanation for this and find it extremely frustration.
Consumer complaint received 2022-02-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

Chase Mortgage has said that it mailed me a letter according to them XX/XX/2021. I did not receive this letter or any other letter mailed to me. I have asked Chase to remail this letter to my home address. Chase has not remailed the letter. 
Archives Research is said by Chase Mortgage to have completed its research begun in XX/XX/2021 and mailed me their conclusions. I did not receive this mailing or letter. I have asked Chase to remail the letter or mailing to my home address. Chase has not remailed the letter or mailing. 
I want Chase Mortgage to resend all my mail to my correct home address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-04
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. (LA)

n accordance with the fair credit reporting act XXXX  account # XXXX XXXX # XXXX, XXXX # XXXX, XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, are you 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 a account without my written instructions.
Consumer complaint received 2022-02-25
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)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. I am filing this for myself and not anyone else.
Consumer complaint received 2022-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am submitting this complaint personally. Regardless of the multiple written requests, the accounts listed below are still reporting on Transunion, XXXX, and XXXX in violation of Federal Law. Transunion, XXXX, and XXXX failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statute. These need to be deleted immediately 1. The inquiry was not authorized COAF Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Consumer complaint received 2021-03-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (IL)

I received a collection letter from a company called IC System , Inc. on behalf of XXXX claiming that I owe {$4400.00}. However, I have never opened a XXXX Account. I contacted IC System and sent them a letter on XX/XX/XXXX, requesting verification of this debt. On XX/XX/XXXX, I received a letter from IC System stating that they were unable to verify this debt and removed the debt from my credit report. As an additional measure, I went to my local police station and completed a police report about this identify theft. 

However, on XX/XX/XXXX, I received a letter from a new debt collector, XXXX XXXX XXXX XXXX XXXX attempting to collect a XXXX Debt in the amount of {$4400.00}. XXXX and the subsequent debt collectors have been unable to verify this debt but are still continuing to try to collect this debt. They are now contacting me at my office as well. I have no idea how to resolve this matter further and I am seeking your assistance. Thank you.