davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-10
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)

contacted XXXX XXXX, XX/XX/XXXX and Experian in regards to the validity and factual information regarding late pays on 2 specific credit cards, i was not notified or was i allowed access to the information gathered to validate the investigation. all 3 bureaus did not send accurate information regarding the investigation and what the process entailed.
Consumer complaint received 2019-06-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Back on XXXX, 2019, I sent to KOHLS/CAPITAL ONE a request to fix this problem. There is a Kohls/Capital OnXXXX account # XXXX that has incurred in fraud charges.I did not authorize or benefit from any of these fraudulent charges. I tried to fix this with the company by sending letters with FTC attached but they did not do anything about it. My credit score is being affected because of this, Please help me to fix this.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (VA)

I had a data breach on my credit report back on XXXX of 2017 were my credit and social security number was on the black market also people used my information with out my permission.
Consumer complaint received 2023-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (CA)

RRATIVE From XX/XX/XXXX to about XX/XX/XXXX, I was a victim of identity theft where an unknown person was using my name and personal information to open multiple bank accounts ( XXXX XXXX XXXXXXXX and XXXX ), as well as lease an apartments ( XXXX XXXX XXXX ) with my identity. The total amount was {$5700.00} dollars. I have alerted banks creditors and leasing agents to try and help resolve this issue. To my knowledge the thief opened up a bank accounts in XXXX XXXX and leased apartments in XXXX XXXX Nevada.
Consumer complaint received 2020-11-10
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. (CA)

contacted XXXX XXXX, Equifax and XXXX in regards to the validity and factual information regarding late pays on 2 specific credit cards, i was not notified or was i allowed access to the information gathered to validate the investigation. all 3 bureaus did not send accurate information regarding the investigation and what the process entailed.
Consumer complaint received 2021-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (SD)

My mortgage was transferred from XXXX  XXXX  to Mr. Cooper with my XX/XX/XXXX payment being the first one with Mr. Cooper. My homeowner 's insurance was due on XX/XX/XXXX and was escrowed. I received notification on XX/XX/2021 that my insurance was not paid and was in the process of being canceled. I called Mr. Cooper and spoke with XXXX at extension XXXX and it was confirmed they did not pay my insurance - so I called and made it myself ( over {$2000.00} ). I told Mr. Cooper I wanted to cancel my escrow account because I don't have money to pay them for my insurance and pay my insurance on my own. They advised I was not able to cancel it at this time as they have not been servicing it long enough and also did not offer to reimbursement my insurance to me. They stated I should have known the loan was being transferred ( I did receive paperwork ) and stated it was my responsibility to call my insurance agent and get everything updated with them. They also stated they did not have it noted it was due. My escrow analysis with XXXX specifically stated they were not paying my insurance and that Mr. Cooper would be.
Consumer complaint received 2018-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (FL)

I received an offer in the mail from TD Bank : Open a TD Convenience Checking account and earn {$150.00} when you receive direct deposits totaling {$500.00} or more within 90 days. Even though it was addressed to the former resident who hasnt lived at this address for 5 years, on XX/XX/XXXX I took the mailer to the local TD branch to see if I qualified to meet the requirements for the offer. I showed the bank rep ( I believe the persons name is XXXX XXXX ) the mailer, and after he did some research, he said that I qualified, so I opened an account and then set up direct deposit. After 90 days, I hadnt received the {$150.00}, so I called the bank. XXXX told me that it could take up to 125 days from account opening to receive the offer. On XX/XX/XXXX, I still hadnt received the {$150.00}, so I called the local bank and spoke to XXXX again. This time, she told me that since my wife once had an account with TD Bank, that I did not qualify for the offer. The person that had opened the account for me told me that I did qualify. It is not my responsibility to verify if I qualify for the offer ; it is theirs and they should perform their due diligence before telling me that I qualify.
Consumer complaint received 2023-04-27
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. (CA)

Good day. I am reporting the credit bureaus Experian, XXXX, XXXX about the Student loan reported on my credit report : They have not followed the laws/CFRs Family Educational Privacy Act XXXX Privacy Act of XXXX 16 CFR 433.1-Definition. I am the consumer. Money purchase loan NOT a Educational loan 16 CFR 433.2- I am able to assert my rights at ANY time.

16 CFR 433.3- Who is exempt? Consumer application was done after XXXX, it applies. 


DPT EDXXXX XXXX Experian XXXX Account XXXX : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Educational Educational Educational Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$3100.00} {$3100.00} {$3100.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$3000.00} {$3000.00} {$3000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Dispute resolved; customer disagrees Subscriber reports dispute resolved - consumer disagrees. 
Consumer disputes after resolution Student loan Date Last Active : XXXX XXXX XXXX  Date of Last Payment : XXXX XXXX XXXX  BELOW attached are the additional accounts I requested they remove immediately
Consumer complaint received 2018-06-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (MI)

Recently received a debt collection from XXXX, XXXX XXXX XXXXXXXX XXXX XXXX   concerning a Discover Bank debt This debt does not belong to me & likely the result of ID Theft. I contacted the law firm that represents our family and was informed to : File an ID Theft complaint through the FTC ; I have ( see attached ) Place a security Alert : Which I have through XXXX Request a copy of my current credit report : I have and currently waiting for it. 
Take meticulous notes & Create a file To make sure all communications are written via email, letters etc ... 
Request full disclosure of this debt which may help myself and/or law enforcement Therefore, I am formally disputing this debt as mine and requesting any and all information including the original application, recordings, emails, notes, anything else connected to this alleged debt. from Discover bank * A copy of all attachments has also been mailed out
Consumer complaint received 2023-03-15
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)

In accordance with the Fair Credit Reporting act XXXX Account # 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 By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify.

I understand that under 15 U.S.C. Sec. 1681a ( 2 ) Exclusions. the term consumer report does not include, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

I also understand that a reinvestation of this report must be made within 30 days of recipet of this letter- 15 U.S.C . Sec. 1681a ( e ), The term investigative consumer report means aconsumer report or portion thereof in which information on aconsumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of theconsumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of theconsumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 


Thank you for your time and help in this Matter.
Consumer complaint received 2019-06-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (FL)

Comenity XXXX XXXX called my husband on XX/XX/19 and left a voicemail at XXXX:XXXX  threatening to take further escalating steps if I didnt return their call today. They then called my father and brother on their personal cell phones separately leaving similar messages. My family members are not associated with my credit profile in any way, nor are their phone numbers listed there or in any public forum. They are not authorized representatives on my account. Comenity XXXX XXXX is well aware that we are working with XXXX  XXXX XXXX  and has their contact info on our behalf. These three contacts are in clear violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2023-03-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NY)

A collection notice sent to my home address on XX/XX/XXXX to the amount of {$610.00} i contacted the company named Midland Credit Management ( MCM ) they informed me that a credit card was taken out in my name in XXXX. I then went on to explain to them i have no idea about to card nor have I ever used a card from XXXX XXXX XXXX the teller then asked me about the card including my address where the card was previously residing I told him that i was renting a room and who i was sharing it with. He then informed me that in order to get it removed from my account I would have to file a police report and send it to their address. I preceded to contact the police precinct in my district which the told me that they don't handle identity theft I have to contact the IRS there they told me that i have to contact you.
Consumer complaint received 2022-03-21
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: Resolve Partners, LLC (FL)

XXXX XXXX XXXX Inquiry date: XX/XX/XXXXnon existing account. 

RESOLVE PARTNERS LLC
Inquiry date: XX/XX/XXXXnon existing account
Consumer complaint received 2020-11-10
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. (CA)

contacted Trans Union, XXXX and XXXX in regards to the validity and factual information regarding late pays on 2 specific credit cards, i was not notified or was i allowed access to the information gathered to validate the investigation. all 3 bureaus did not send accurate information regarding the investigation and what the process entailed.
Consumer complaint received 2022-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (TX)

During the origination of my team member loan with Rocket Mortgage XXXX : XXXX my escrow account was calculated improperly and the company failed to correct it which caused me to miss my closing date. Multiple contacts were made with the company, my requests were actively ignored. My closing date was missed and additional costs were incurred due to the Rocket taking additional time to correct their mistake with the escrow account collection amount. 

I'm 1 year into servicing with Rocket, and I was notified my escrow account analysis occurred which caused an increase in payment of {$500.00}. I called and spoke with a team member on XX/XX/2022 named XXXX who promised I'd receive a call back within 24 hours to explain the increase. I've not received a call back. The servicer is ignoring my requests to explain the increase and I can not afford to pay the increase. I don't understand why there was an increase.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Upon reviewing my TransUnion credit report, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2019-06-27
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount Capital Group, Inc. (TN)

Paramount Financial files on my XXXX Credit report on XX/XX/2019in the amount of {$5900.00}. They do not have the original contract. This causes my credit scores to lose 60 points in one day. My signature was collected on XX/XX/2019 and applied XX/XX/2019.
Consumer complaint received 2017-01-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX, XXXX Consumer Financial Protection Bureau Re : Wells Fargo Home Mortgage Consumer Financial Protection Bureau Case Number : XXXX Borrower : XXXX XXXX Property Address : XXXX XXXX XXXX, XXXX XXXX CA XXXX Loan Number : XXXX Dear Representative, I am in the process of selling my home and need an extension of the foreclosure sale date, currently scheduled for tomorrow XXXX XXXX, XXXX. I 'm writing today to ask for your assistance. 
I am working with Wells Fargo to sell the property to avoid foreclosure. The property has been sold and the new Buyer has taken possession as a renter waiting for the Bankruptcy Court to approval removal of the final lien before escrow can close. 
The Court is requesting information from Wells Fargo as evidenced by the attached document. I forwarded the Court 's request to Wells Fargo on XXXX XXXX, XXXX via fax. Wells Fargo does not have record of receiving the fax, although they do have record of the phone call. 
Wells Fargo is now requesting information from escrow and the Buyer 's Lender before they will stop the foreclosure, which again is scheduled for tomorrow.. I am working to get that information to Wells Fargo ( a signed extension of the escrow period and a copy of the Buyer 's loan approval ), but Wells Fargo has stated they can not guarantee the foreclosure will be postponement. 
The sale of the property is a standard sale ; Wells Fargo will receive 100 % of the original loan balance, plus late fees, plus foreclosure fees. There were several liens on the property which have prevented the sale from closing, all but one of those liens have been removed, and once Wells Fargo provides the Court with the information requested, the final lien will be removed and the home sold.. 
I 'm asking Wells Fargo to allow us to the end of XXXX to close the sell and avoid foreclosure. Any help you can provide on this matter is greatly appreciated. 
Sincerely, XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed TransUnion, XXXX and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within XXXX business days.
Consumer complaint received 2023-03-15
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. (IN)

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.
Consumer complaint received 2020-11-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NV)

On XX/XX/XXXX at approx XXXX XXXX I received a voicemail from XXXX from phone # XXXX. She said she was calling on behalf of Rushmore Loans and asked to patch me through to a loan officer to discuss lowering my mortgage payment. I was transferred to XXXX who went over my options. My complaint is that XXXX was very aggressive in trying to get me to submit an application so he could run my credit. 

If Rushmore listens to the recording they will hear me say no less than 5 times that I have to speak to my husband first. He challenged me and wanted to know why I had to speak to him. I told him that we both have XXXX Fico scores and we don't just run our credit. XXXX insulted me by saying XXXX FICO  scores don't exist and continued to talk over me even after I told him that I was a retired banking professional and I spoke his language. 

I am REALLY concerned that the average consumer would just give into XXXX aggressive unprofessional behavior and submit an application when they really don't want to. As a retired banking professional I know that what XXXX is doing is not in the best interest of ANY consumer.
Consumer complaint received 2016-06-21
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (GA)

I received a loan from bigpicturepayloans, that was listed as a installment loan, borrow XXXX payback XXXX, I was not advise of the interest rates or that they would be charging my account XXXX dollars a month. interest rates of 900 percent, this was not advise to me. I did not see this when I signed the agreement. Please help. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Ga XXXX
Consumer complaint received 2015-07-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I received an email from XXXX XXXX on XX/XX/XXXX indicating I have an account in collection. To my surprise, I see that my credit score has dropped over XXXX points for an account in collection for XXXX measly dollars that was apparently opened on XX/XX/XXXX. I have no idea what this company is or what this collection is for. This needs to be removed from my credit report IMMEDIATELY.
Consumer complaint received 2022-12-14
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. (MA)

DEAR CFPB ; CRA 'S ; XXXX  XXXX XXXX ; I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I honestly do not believe to ever have any relationship with this collection agency or original creditor. In a good faith effort to resolve the matter amicably, I must demand proof of this 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 correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. 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 this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2023-03-15
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)

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 15 U.S.C 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