davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

I AM A WIDOW SPOUSE IN XXXX LIFE ESTATE RIGHTS- MY HUSBAND WAS THE SOLE MORGAGEE AND WE WERE NOT IN DEFAULT. HE PASSED IN XX/XX/2018, SPS AND XXXX XXXX- GAVE AN OFFER TO THE EX-WIFE NON-MORGEE AN OFFER OF XXXX, FOR KEYS AND TITLE- BUT SHE WOULD HAVE TO REMOVE ME FROM MY HOME AND CHANGE MY LOCKS- I WE WERE NOT LATE ON THE MORTGAGE- WHAT SICKENS ME IS THIS WAS DONE THREE DAYS AFTER HE PASSED- AND I WAS SUBSEQUENTLY BURGALERIZED AND NOT GIVE A BREATH MOMENT TO GRIEVE- TOU HELPEN ME IN THE PAST- LAST YEAR i WAS LIED AFTER THEY SPOKE WITH YOU AND i THOUGHT FINALLY i AM GOING HOME- AS I HAD A BUSINESS I LOST AND AFTER WHAT I SAW IN MY HOME- IT WAS COMPLETELY DESTROYED- IT WAS A SAFTY HAZARD AN I VERSTED IN THE HOME AS - I HAVE A CONTRACT- PARTNERSHIP WITH THE LEASE FOR OUR BUSINESS OFFICE IN OUR HOME- I LOST MY CONTRACTI HAD AND HAD TO CLOSE MY BUSINESS- I WAS DEPRUVED THE RIGHT TO BE HEAR IN PROBATE EVEN AFTER I FILED FOR AN EMERGENCY HEARING- IN XXXX I NOTICE THE WIFE WAS HOLDING HERSELF OUT AS THE CURRENT SPOUSE- AS THESE CRIMINAL ACTS ARE HAPPENING WITH THE COURTS SUPPORT- AS i AM TRUSTING OUR JUDICIAL SYSTEM- I AM SO GROSSED OUT- AT THIS WHITE COLLAR CRIME- I FEEL I AM ALONE IN A WAR AGINST THEM IN COURT- FOR FRAUD AND A FORGERY DOCUMENT THAT WAS ENTERED INTO RECORD WITHOUT A DEATH CERT OR MARRIAGE LIC OR DIVORCE DECREE- AND TITLE FLIPPING AND FRAUD ON A GOVERNMENT RECORD-ENTERED TO DEPRIVE ME MY RIGHTS TO A LIFE ESTATE- I AM IN A BILL OF REVIEW IN PROBATE COURT AS IT TOOK 3 YEARS TO BE HEARD- AND WHEN I WAS - AND PRESENTED THE INFORMATION OF FRAUD AND FORGERY- THIS JUDGE CLOSED THE ADMINISTRATION AND DID PREMATURLY- TO AVOIDE A REQUEST FOR INJUNCTIVE RELIEF- AND I NEED HELP FROM THE ATTORNEY GENERAL TO DO A WRIT OF ATTACHMENT- AND RESTORE MY LIFE I LOST OVER THIS CRIMINAL ACT AGAINST ME-I AM IN A PIT OF COMPLETE MENTAL AND EMOTIONAL ANGUISH- I HAVE TO ASK MYSELF AM I IN AMERICA? I THINK ANYTHING YOU ASK OR SAY WILL BE THE SAME LIES THEY FEED YOU TO FEED ME- SHE NEEDS TO TRANSFER THE TITLE= WELL IF THE JUDGE LIFTS THE COURT ORDER WHERE IT SHOWS I AM AM GIVING MY RIGHTS UP TO FORCLOSURE? AS NO JOINDER SIGNATURE- SO BECAUSE OF THAT NO TITLE FLIPPING - SO THE CREATED A FRAUD FORDGERY DOC TO TRANSFER- IT STILL WONT WORK AS I NEED TO GIVE UP MY RIGHTS ON A JOINDER = DIFE THE DECEPTIVELY AND FRAUDULENTLY SIGN MY NAME- AS I NEVER DID AND THE INSTRUMENT ENTERED INTO RECORDS SHOWS AN ORDER- BUT NO SIGNATURE FROM ME? HOW CAN THAT BE DOWN? MAINLY WHY IS IT NOT INVESTIGATED AND CAIGHT? THEY NEED TO DEDUCT- AND RETURN MY HOME- ALL MY CARS AND ALL I OWN- AND I DEMAND RELIEF AND I READ ONLY THE ATTORNEY GENERAL CAN ENTER A WRIT OF ATTACHMENT CLAIM AND REQUEST INJUDTIVE RELIEF- WHY IS IT FOUR YEARS AND I AM STILL FIGHT BY MUSELF- ON A MTTER SO GROSS TO KNOW ITS IN OUR COURT HOUSE NOW? AND WHAT A BIG PUBLIC CONCERN- WOW
Consumer complaint received 2022-01-24
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/2021 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Returned by company STATUS Company responded the complaint does not belong to them on XX/XX/2024 The company responded that they are not the appropriate company to address your issue. 

The CFPB will review your complaint to see if we can determine the appropriate company. We will contact you if we need more information. These are the words of the company Department of Education/ XXXX that the student loan does not belong to them they sold the private information to a company so with them admitting that the loan is not there it should be reported as inaccurate reporting 15 USC 1681also see USC 552 ( a ) 16 CFR 313.7 and 16 CFR 433.2-433.3
Consumer complaint received 2022-01-24
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. (FL)

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX  ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 2021-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (GA)

We entered into a loan modification with Dovenmuehle in XX/XX/XXXX. We were repeatedly assured that we would not be considered behind on our payments, that our credit report would not be affected, and that we would be given options at the end of the agreement for how to repay the remaining amount. One of the options given was the ability to add the remaining debt amount to the overall loan amount at the end of the modification term. Without any notice to us, Dovenmuehle was placing our loan payments into a suspense account, considered us delinquent on payments, and transferred our mortgage to a debt collector in XX/XX/XXXX, all without notice to us, as is federal law, that we were considered delinquent, and with no option to repay. The debt collector came after us for a balloon payment and threatened to foreclose immediately. Dovenmuehle reported on our credit that we were 60 days late. We had to beg and borrow money from family members during a time of extreme financial distress in order to keep our house, while also having our credit impacted by the delinquent report. 

We argued our case with Dovenmuehle for most of XX/XX/XXXX to no avail. We filed a Consumer complaint about Dovenmuehle 's unlawful and unkind practices in late XX/XX/XXXX, to which Dovenmuehle finally responded, via a mailed letter in XX/XX/XXXX ( attached ), that they made the credit report in error and would correct the issue. After a few more months of waiting for it to be removed from our credit report, we spoke with Dovenmuehle again and were told that they rescinded the correction in XX/XX/XXXX, AGAIN with no notice to us. We also contacted Transunion to try to get some traction on this issue, and they were completely unhelpful, stating that Dovenmuehle does not want to remove the erroneous reporting, so there is nothing they can do. 

We have gone around and around on this issue for a year and a half, and it is way past time for something to be done. We should not have to suffer for Dovenmuehle 's unlawful behavior.
Consumer complaint received 2023-07-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe (MI)

I borrowed {$320.00} to fix my car because I recently had to get on XXXX. I cant make these payments! They told me the interest rate is over 1000 % Please help me XXXX cant even buy food now at the end of the month. 

XX/XX/XXXX. {$40.00} due XX/XX/XXXX. {$190.00} due XX/XX/XXXX. {$190.00} due XX/XX/XXXX. {$190.00} due XX/XX/XXXX. $ XXXX XX/XX/XXXX {$190.00} due XX/XX/XXXX. {$190.00} due XX/XX/XXXX. {$190.00} due XX/XX/XXXX. {$190.00} due I literally will not be able to eat and pay my electric bills and water. Please help me how can this be legal?
Consumer complaint received 2022-04-08
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: Experian Information Solutions Inc. (FL)

in accordance with the Fair Credit Reporting act 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 2020-12-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have disputed this account from my credit files many time transunion has yet to remove it this matter has been longer than 30 days now and needs to be remove asap
Consumer complaint received 2022-01-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (GA)

As I have not heard back from you in over 60 days, regarding my demand for proof, since my notice of my dispute and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo XXXX XXXX XXXX XXXX XXXX  I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 


In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : XXXX ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2 ) What is your authorization of law for your collection of information?

3 ) What is your authorization of law for your collection of this alleged debt?

4 ) Please evidence your authorization to do business or operate in the state.

5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 

You have 15 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. 

Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. 

Failure to respond within 15 days of this letter will begin my small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Consumer complaint received 2022-01-24
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: Westlake Services, LLC (CA)

Last year I discovered a false account with WESTLAKE FIN reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but WESTLAKE FIN denied the claim. Yet XXXX and XXXX removed this fraudulent account. This is not my debt. I have been cooperative with everything asked of me to dispute but WESTLAKE FIN refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Consumer complaint received 2022-01-24
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. (IN)

Equifax is reporting a false utilization of 100 % utilization use on my credit file, and has been due the last 3 to 4 months, on my Self secured visa credit card.
Consumer complaint received 2021-05-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Link Management, LLC (OH)

I constantly keep receiving texts from someone claiming I owe a debt to this company. I have never received correspondence by mail in order to verify the accuracy of this debt. Some number just constantly texts me. I will not respond to a debt collection text message. Its not safe nor does it protects the privacy of me as a consumer. Once I receive a correspondence by mail, I will then verify the debt before proceeding.
Consumer complaint received 2016-03-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Jon Barry and Associates, Inc. (NC)

In my credit report I see a collection of {$230.00} from PARAGON REVENUE GROUP, XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX. 

Original Creditor - XXXX XXXX XXXX UNIVERSITY This debt is not mine. I never received or authorize any medical service from XXXX XXXX XXXX UNIVERSITY in 2013.
Consumer complaint received 2022-01-24
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)

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2022-01-24
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. (HI)

I have requested multiple times about a reported 30 late payment that was never late in XX/XX/2019 for XXXX XXXX with transunion and never received any response or action. There are also several inquiries that are showing and should not be showing on transunion such as XXXX  XXXX ( XXXX XXXX ) XXXX XXXX ( XXXX XXXX ) XXXX XXXX and XXXX XXXX XXXX XXXX ( XXXX XXXX ) and XXXXXXXX XXXX ( XXXX XXXX ). Everything that is on XXXX is ACCURATE and should be reporting across all three ( 3 ) credit bureaus.
Consumer complaint received 2021-05-13
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: Experian Information Solutions Inc. (TN)

There are several inquiries on my report that I did not make. I have been a victim of identify theft in the past and I fear these inquiries may be an attempt to obtain credit in my name. I placed a credit freeze to third party sites 30 days ago and I am still getting offers and inquiries added to my report. There is inaccurate information on my report and this makes me even more vulnerable to identity theft and adverse actions.
Consumer complaint received 2021-05-13
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

I have tried on several occasions to have Capital One send the information regarding late payments on my account XX/XX/2015, XX/XX/2015 and XX/XX/2015. According to the law they should send me proof of late payments. According to my records the payment was made on time.
Consumer complaint received 2022-04-08
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: Experian Information Solutions Inc. (TX)

XXXX, XXXX and Experian have been allowing someone to run my name and social and I have been getting hit with hard inquiries that are fraudulent and causing my credit score to fall XXXX XXXX dispute number XXXX I also called Experian and XXXX XX/XX/2022 and filed fraud claims as well XXXX is reporting 20 hard inquires on my credit file and I had 0 inquiries last month when I called to check upon speaking with the XXXX agent she made me aware that there were 20 inquiries besides the one that I call about and when I checked it was indeed old fraudulent inquires that were disputer from my account years ago that they placed back on my file!
Consumer complaint received 2022-01-24
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: Experian Information Solutions Inc. (CA)

On XX/XX/2021, I requested the Credit Bureaus to verify the debt of XXXX XXXX I have not received any updates of any of my requests. I also contacted XXXX XXXX directly and they have to response to my multiple requests for them to verify this debt actually belongs to me with a signed written agreement as the Fair Credit Laws entitle me.
Consumer complaint received 2021-05-13
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAVALRY INVESTMENTS, LLC (NY)

I am permanently XXXX, my only income is XXXX. On XX/XX/XXXX a XXXX Sheriff delivered a wage garnishment to me personally at my home. This garnishment was also issued to a local company construction instructing them to garnish my wages.This situation has caused a great deal of personal stress unnecessary. 

I have NEVER worked for this company, my XXXX has rendered me unable to work, my last paid employment was XX/XX/XXXX. I am very concerned and bothered that Calvary SPV 1 LLC is contacting random companies and sharing personal information about me. 

I would like a retraction of this information and an explanation why this happened. 

This complaint is against : Calvary SPV 1 LLC XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX NY XXXX