davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-16
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)

I signed up for a payday loan a few months ago and when I just checked my credit report I saw a number of inquiries from different lenders running my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-16
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. (NV)

I have reach out to Experian many times and advise them these companies did not have my permission at all to run my credit I have even reach out to the companies and they still have not remove them. I went to XXXX XXXX and got a car from them only and never went anywhere else. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Statebridge Company (CT)

We recently sold our home and the XXXX mortgage company has yet to provide a closing statement. The proceeds are being in held in escrow without any communication. 

Myself along with my attorney called the company several times along with sending communications. 

The closing was scheduled for XX/XX/19 and was pushed out many times thereafter. The closing was finally held on XX/XX/19. 

The name of the company is Statebridge Company XXXX.
Consumer complaint received 2022-11-19
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. (TX)

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of material misrepresentation of fact being relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer. ( XXXX XXXXXXXX XXXX ) You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from date of the receipt of this notice
Consumer complaint received 2022-10-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Complete Credit Solutions, Inc. (NY)

This is my second attempt to have this removed/deleted from my credit report. The date of account opening and balance being reported are 100 % inaccurate. Sec. 623 of the FCRA covers the reporting of 100 % accurate information. I have notified COMPLETE CREDIT SOLUTIONS , INC ( CCS ) of the inaccuracies and they have continued reporting the same incorrect information. The date on the " receipt '' they sent to me as proof of debt states the account was opened on XX/XX/XXXX but XXXX is reporting it as XX/XX/XXXX XXXX, XXXX, and XXXX. It also states a total balance of {$1000.00}, XXXX however is reporting that I currently owe {$2500.00}. That is two clear strikes against this collection agency violating the FCRA.
Consumer complaint received 2022-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2018-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc. (GA)

On XX/XX/2018, I received an debt collection notice from Online Information Services, dated JunXX/XX/2018. I immediately sent Online Information Services a certified letter on XX/XX/2018 requesting debt validation of said debt. The certified letter was delivered/received by Online Information Services on XX/XX/2018 @ XXXX. On XX/XX/2018, I received an Alert that Online Information Services had place a {$82.00} Collection account on all three ( 3 ) Credit Bureau 's ( XXXX, XXXX  & XXXX  ). On today, XX/XX/2018, I received a letter from Online Information with a copy of an INVOICE dated XX/XX/2018 from XXXX XXXX for {$82.00}. This INVOICE from Online Information Services is not a valid debt validation and was placed on my all three credit bureaus prior to being validated. I have a {$0.00} balance with XXXX XXXX.
Consumer complaint received 2022-05-03
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. (NC)

In accordance with the Fair Credit Reporting act : XXXX  XXXX Account # XXXX, XXXX Bank 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. 
I XXXX XXXX, hereby attest that the information provided is being submitted by myself and not by any other third party.
Consumer complaint received 2019-08-26
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Atlantic Recovery Solutions LLC (MI)

I was contacted by this company on XX/XX/2019 at my work and made arrangements to repay a debt that I owe and asked that they not call my work number and they continue to do so, they're calling several times a day on both my work and my personal cell phone number. I don't care if they call my cell phone, but they're harassing me at work which I've asked them not to.
Consumer complaint received 2020-01-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Leopold & Associates, LLC (NY)

Leopold & Associates, PLLC was listed as the Attorney of Record in a foreclosure case in Supreme Court, XXXX County, NY, Index XXXX. ( They subsequently dropped the case ). Plaintiff in the case is XXXX XXXX XXXX XXXX XXXX ( XXXX ). XXXX, in response to several different issues defendant and Pro Se Attorney XXXX XXXX submitted to the CFPB, replied that they are not the company of interest in this matter. Their then Loan Servicer, XXXX, sent a letter to the CFPB in response to a complaint about this matter, and they said that XXXX never owned defendants account ( debt or mortgage and Note ). If XXXX and XXXX both said that XXXX never owned the account, but is listed as plaintiff in court, and Leopold & Associates was listed as Attorney of Record, WHO HIRED LEOPOLD? That is the question I am asking. Someone is lying.
Consumer complaint received 2018-04-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IL)

I have directed overpayments through the Navient website. I have clearly made the correct election to over pay a specific loan. The options on the website allow this but after I make the payment the following statement shows the directed overpayment to the specific loan has been spread among other loans despite my direction and the website directions I have chosen. I have spoken with Navient on several occasions over my repayment and they have said that they are not sure why " the computer has made that mistake '' and that they are looking into it. I have on more than one occasion asked for Navient 's assistance. I have had them walk me through making the payment to assure it was done correctly only to find the payment was spread among other loans despite having their assistance. The loan I am overpaying is the highest interest rate loan I have. It is a GradPLUS loan at 7.8 % interest. I want to direct all of my overpayments to this loan and their website says that this is allowed. I have confirmed this with Navient on the phone. Despite my direction Navient continues to take my overpayment and allot it to lower interest loans. The loan acrues $ XXXX/day. I want to reduce this and pay the loan off quickly. The blame a computer error. The account history application shows an inaccurate record of my payments in an allocation different than I have directed.
Consumer complaint received 2024-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to follow up on my previous dispute regarding the negative items listed on my credit report, which I firmly believe are incorrect and unverified. Despite my efforts to rectify this matter, I am disappointed that these erroneous entries have not been addressed or removed from my credit report.
Consumer complaint received 2018-11-13
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Absolute Resolutions Corp. (IL)

Today XX/XX/18 the debt collection office reached out to my new husband of three weeks. Informed him of the loan, the company who the loan was through, the amount due, the information they have on file for me ( address and phone numbers ). My husband is not on the loan had no information about this loan as this loan is mine from 3 years ago. They threw him under the knife about the loan and gave him payment options for my loan. I have never given the loan collectors his information at all not his name or anything. They found his number on theyre own and gave him all my information.
Consumer complaint received 2018-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

And I was notified by Equifax of my information being breached during the security breach they told me they dont care so need to settle out of court or we can go to court. 
The amounts wrong account information is wrong days delinquent is wrong I reported it is filed on bankrupcy they didnt care court date is XX/XX/XXXX they said they dont care I filed dispute by phone online and by mail here it is months later so has to be removed by law. they said they dont care I said on some of the hard inquiries there was identity theft they said the dont care contact the company they said that they dont have me on file so nothing to dispute so contact the credit reporting agentcy then Equifax refused to deal with the Identity theft, problem I have reported it on the CFPB proper page of identity theft problem but have not seen or heard from them at all. 
And the dates reported was after filing bankruptcy cort is not till XX/XX/XXXX and both were notified already. 
XXXX XXXX Needs Attention Last reported : XX/XX/XXXX {$620.00} 30-59 Days Late Overview You've paid off -30 % of the original amount. 
Balance {$620.00} Highest Balance $ 482 Monthly payment {$87.00} Opened XX/XX/XXXX ( 3 mos ) Term 7 months Payment History Youve made 100 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment -- Current Payment Status 30-59 Days Late Worst Payment Status No Info Account Details Account status Open Type Unsecured Loan Responsibility Individual Remarks Fixed rate Times 30/60/90 days late 0/0/0 See an error?

You could dispute an error with Equifax. 

GO TO EQUIFAX Creditor Information XXXX XXXX
Consumer complaint received 2019-08-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Certified Solutions, Inc (NJ)

Dear CFPB/ MADAM/SIR : I received letter dated, XX/XX/XXXX, From debt collection bureau. they are asking for me to pay them {$57.00} From : XXXX Hospital, date of service was : XX/XX/XXXX. I was at that time 3 days in the hospital for sickness matters. The Total Amount of the Bill was PAID bye my insurance, MEDICARE pay XXXX hospital over $! .000.00 PLUS. Hospital was already PAID in full, and I DO NOW OWE ANYTHING to either or none of them. Thank you. Very Truly Yours. XXXX
Consumer complaint received 2022-04-09
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: EQUIFAX, INC. (IL)

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 2022-10-16
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-11-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (NC)

Medical bill was paid in full ... XXXX.. $ XXXXwas paid to XXXX XXXX XXXX on XX/XX/18.. {$400.00} was paid to XXXX XXXX onXX/XX/18.. no idea why it went to collections..no idea why it was even put in collections, or even removed..it just showed up week of XXXX..no bills nothing..paid in full months ago ...
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX -Date of inquiry : XXXX XXXX XXXX -Date of inquiry : XXXX XXXX -Date of inquiry : XXXX XXXX -Date of inquiry : XXXX XXXX XXXX -Date of inquiry : XXXX
Consumer complaint received 2022-10-16
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

RECEIVED LETTER FROM BOA ASKING TO VERIFY OUR IDENTITY REGARDING THE PREVIOUS COMPLAINT DATED XXXX XXXX XXXX. WE KNOW THAT'S RIGHT I WOULD BE READILY PROACTIVE THAN REATIVE ESPECIALLY WITH THE CASE. 

XXXX XXXX BOA HAS THE SAME FORMAT?? WAHT IN THE WORLD! 
NEVER RECEIVED ANY LOANS FROM H AND R BLOCK XXXX OR XXXX. EVERYTHING IS FRAUDULENT. CHECK THE ATTACHMENTS! 

THIS IS TO MUCH CRAZINESS, AND THE CLOSING ATTY IS IN FED SERVING 15 YEARS AN NO ONE WANTS TO TAKE RESPONSIBILITY! WE DON'T THINK SO!!!! 

IF THE ORGINATION IS FRAUD THE COMPLE PRROCSS IS FRAUDULENT. PEOPLE CAN'T GO AROUND SELLING AND BORROAWING PEOPLE 'S CREDIT AND MONEY TO MAKE THEMSELVES WEALTHIER! NOT ON THIS WATCH!
Consumer complaint received 2020-12-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2020 I filed a claim towards Bank of America for fraudulent activity. Its been over a week and they have yet to give me back the funds that were stolen from my account or even offer a temporary credit. I have informed them that this activity has caused me to be left stranded in California and I originally live in Florida but for some reason they act like they do not care. Every time I call I get a different response as to how they are going to handle the situation. At this point I have no idea what to do or why I even pay a monthly maintenance fee if they can not even protect my information or at least help with a temporary credit. I was also told by a supervisor that we can not protect against fraud which left me speechless.
Consumer complaint received 2020-12-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (NJ)

CrossCountry Mortgage is the most incompetent company I've ever had the displeasure of doing business with in my XXXX years on planet Earth. I refinanced my mortgage with them in XX/XX/XXXX. At closing, 2 escrow line items in the closing costs were 2 property tax bills due XX/XX/XXXX, one for ~ {$750.00} and another for ~ {$3300.00}. In late XXXX I received notification via mail that neither of these property tax bills had been paid. I logged onto my online account and checked the escrow section. Sure enough, whoever at CrossCountry populated my future tax payments due had completely skipped the payments due in XXXX and started with tax payment due in XXXX. On XX/XX/XXXX I called CrossCountry 's " service '' center to report the issue and was advised to scan the property tax bills and email them in, which I did, plus I provided a detailed description of how my property tax payments work as well as a copy of the escrow statement from my prior mortgage provider. The next day the ~ {$750.00} property tax bill was paid. However, the ~ {$3300.00} property tax bill was not. That is also the day my story begins of countless phone calls to the " service '' center, most of them resulting with me explaining my issue, being put on music hold for 10-15 minutes to wait for a supervisor, and eventually being either disconnected or dumped off to an automated survey. I was able to garner some information from these dozens of calls. I am aware that at least 2 " cases '' were opened for my account and subsequently closed without my property tax bill being paid. On 3 separate occasions I was given specific dates by which my outstanding property tax bill would be paid. All 3 dates passed without my property tax bill being paid. I've emailed the property tax bill for ~ {$3300.00} due XX/XX/XXXX to the service center 3 times now. I've emailed the delinquency notice I received from my town to the service center twice. I mailed a complaint letter to CrossCountry on XX/XX/XXXX with supporting documents, including the tax bill and the delinquency notice. At this point there is close to {$6000.00} sitting in the escrow account, my property taxes for ~ {$3300.00} are a month and a half late, I've received a delinquency notice telling me I owe an extra ~ {$50.00} in interest, and I'm about to lose my mind. No amount of money I saved on my monthly mortgage payment is worth this level of frustration.
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later I have not received a response yet I feel like Im being taken advantage of and being ignored of my dispute section 611 ( a ), it is plainly state that a failure to investigate theses items Within 30days gives a reason to immediately remove those items from my credit report its been over 60days So they should be deleted promptly I demand theses accounts be deleted immediately or I will file a litigation due to the stress you caused me.my information was also impacted by the equifax data breach and my have got into the hands of the wrong person.
Consumer complaint received 2020-09-09
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: CBC Companies, Inc. (VA)

I have had a confirmed fraud case on my credit account with XXXX XXXX XXXX. I have submitted a claim previously with all three credit bureaus. XXXX  has removed all inquires that were due to fraud as well as placed a fraud alert on my account. I have multiple credit inquires that are on my credit with the other bureaus that were not authorized by me. Please delete the inquires and place a fraud alert. The XXXX XXXX XXXX XXXX and XXXX  were authorized by me.