davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have been sending in dispute letters for about 6 months requesting the company investigates as most account they have listed for me are not mine and/or accurate. I have requested validation and verification from them however they have yet to send me the requested documentation however have continued reporting such information to my file that is harming my ability to obtain credit and move forward in life.
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been sending in dispute letters for about 6 months requesting the company investigates as most account they have listed for me are not mine and/or accurate. I have requested validation and verification from them however they have yet to send me the requested documentation however have continued reporting such information to my file that is harming my ability to obtain credit and move forward in life.
Consumer complaint received 2019-08-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

HelloI am trying to payoff my mortgage with a company Mr Cooper(a/c XXXX)Should be a simple process but not with Mtr CooperFirst of all, they only let you pay up to 90% of the principal using it's web site, so only was able to pay $XXXX   online on XX/XX/2019.On XX/XX/XXXX I requested a payoff amount , while charged $XXXX  expedited fees.The payoff  amount I received was incorrect as Mr Cooper fail to apply my $XXXXtowards my principal even though it should be same day payments.For the rest of my unpaid balance onXX/XX/2019 I sent a wire from my checking account at XXXX XXXX XXXX   bank for $3,710.00.Mr Cooper never applied this wire towards my unpaid balance, they used escrow funds to payoff my mortgage so the $XXXX I wired on XX/XX/XXXX are still missing as of today, XX/XX/2019, despite several phone calls and messages I sent through MrCooper web site.
Consumer complaint received 2023-02-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (OH)

Midland Credit Management , INC, filed a lawsuit in the XXXX XXXX XXXX, XXXX Ohio on XX/XX/2023 for the amount of {$1300.00} against me. I never gave this company my personal data and I have no clue who these people are, they have stolen and used my data and made it public. I have never spoken to anyone or authorize or had an agreement with Midland Credit Management , Inc, this is unlawful and it is identity thief also. They have hired a law firm and filed a claim against me, it's against the FDCPA to hire an attorney and is false representation. The Attorneys names are XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX attorneys for the plaintiffs. 

Case # XXXX
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I have reached out XXXX  the credit bureau about several inaccuracies on my credit report. Based on the FCRA these inaccuracies must be validated or removed within 30 days. 

I have not received a deletion nor any documents that I have personally signed XXXX  represent anything validate on my credit report.
Consumer complaint received 2018-02-28
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation (AZ)

I received communication in the mail involving a debt sold to the company XXXX XXXX XXXX in early XXXX. On XX/XX/XXXX, I submitted a request via certified mail for a validation of this debt. The company did not respond then in early XXXX, around the XXXX, reported this debt to XXXX and XXXX on my credit though I requested the verification of this debt. I attempted to call them numerous time from XXXX to XXXX and have not received any contact or communication back.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I was in XXXX  on XXXX  WITH XXXX in XXXX for XXXX year and my automatic withdrawals were still processing- the bank knew i was in XXXX knew i was in XXXX and knew that i had no way to respond, or any way to stop the situation and yet charged me horrendous fees, and then closed my account as a charge off due to the fees. I WAS SEVERELY AFFECTED BY PANDEMIC AND INSTEAD OF BANK PROTECTING MY ACCOUNT AND MY CREDIT THEY WERE ONLY CONCERNED OF THEIR OWN MONEY MAKING SCHEMES AND RUINED MY CREDIT. NO ONE CAN PUNISH ME NOR MY CREDIT FOR BEING XXXX  IN A XXXX  AND AFFECTED BY A GLOBAL PANDEMIC. IN ADDITON - HOW COULD I HAVE POSSIBLY FIXED THIS ISSUE IF I WAS BASICALLY XXXX  IN XXXX AND CONTAGIOUS WITH XXXX  AND XXXX XXXX XXXX XXXX XXXX XXXX.. SOMEONE EXPLAIN? THE MERE FACT THAT I SPOKE TO THE MANAGER AT THIS BANK AND INSTEAD OF HIM RESOLVING IT AND EXCUSING ALL THE CHARGES HE ARGUED THEY WERE LEGITIMATE AND MY PERSONAL SITUATION HAD NO BEARING ON THEIR BUSINESS. THE CARE ACT FOR PANDEMIC STATES THIS CAN NOT BE DONE, I WANT IT IMMEDIATELY REMOVED FROM XXXX XXXX, IN ADDITION THE FEES ARE WRONG I WANT THEM DISPUTED AND REMOVED AND I DEMAND MY DEBT CLEARED AS THEY TOOK THOUSANDS AND THOUSANDS OF DOLLARS WHILE I WAS XXXX XXXX XXXX XXXX. THIS BANK IS ALSO XXXX TO ANY ONE WHO IS NOT OF XXXX  ORIGIN AND TREATED ME LIKE TRASH EVERY TIME I WENT IN THERE. I DEMAND THIS RESOLVED - FEES CANCELED AND REMOVED OR I WILLL SUE AND GO PUBLIC.
Consumer complaint received 2022-04-07
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. (MA)

XXXX is reporting an account on my credit report that should not be there. XXXX and XXXX have removed the account, but it is still reporting on Experian. I have proof attached that XXXX ( their collection agency ) does not report on credit and should be removed within 30 days. I also have a copy of the most recent credit report I checked on XX/XX/22.
Consumer complaint received 2021-12-07
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)

On XX/XX/XXXX I filed a complaint with the CFPB about Equifax ( Complaint # XXXX ) and  Equifax has not resolved my issue. There are 10 inaccurate accounts that are reflecting on my credit file that need to  be removed immediately. These accounts were all showing included in Bankruptcy XXXX XXXX however there is no bankruptcy on file which means these accounts that are tied to it need to be removed. Equifax needs to delete these accounts that are tied to this inaccurate bankruptcy. I have included the dispute letters that I received from Equifax which shows all these accounts show in the comments section included in Bankruptcy XXXX XXXX. The accounts in question are 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. 

My data was breach in the Equifax data breach and my credit file was impacted. Remove these inaccurate accounts from my credit file or I will be forced to file for litigation. I will not continue to be bullied by Equifax.
Consumer complaint received 2022-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (MA)

Dear CFPB I received a credit card from US Bank that I never activated in 2021. Thus, the account was inactive. However, I recently received a bill for a charge on that account, which to remind you was never activated. I called US Bank and they said that they would investigate the fraud and credit me. That's fine. But the card was never activated. How can they process a charge for an account that does not have an active card and account? 
That is the reason for reporting this. It implies that they maintain a set of accounts that can receive charges from fraudulent actors instead of purging the account. So, the process of activating a card ensures that I don't use an inactive card, but doesn't ensure that a fraudulent actor is excluded. 
Something to look into. 
kind regards XXXX
Consumer complaint received 2021-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXX XXXX Loan Amount {$27000.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account XXXX XXXX  XXXX XXXX Loan Amount {$500.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account Unknown Creditor Loan Amount {$250.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account Unknown Creditor Loan Amount {$40.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account XXXX XXXX Loan Amount {$15000.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account XXXX  Loan Amount {$83.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2021-01-06
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC. (TX)

XXXX XXXX NMLS ID XXXX Producing Sales Manager | Apply Now! 
D : ( XXXX ) XXXX | M : ( XXXX ) XXXX F : ( XXXX ) XXXX E : XXXX Visit My Website : XXXX XXXXXXXX XXXX XXXX by Sun West Mortgage Company , Inc. NMLS XXXX Branch NMLS ID XXXX | XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX This lady listed above was my daughters loan officer. The experience of closing her loan with XXXX was horrible. They were supposed to close on XX/XX/2020. XXXX still hadn't got the income verification form done. She kept saying that the form was filled out wrong and it didn't match the check stubs. So, while my daughter was on the phone with XXXX at my house talking about this form and how to fill it out correctly, XXXX was yelling at her and threatening to cancel the loan. XXXX was yelling at my daughter. I asked XXXX a question and she hung up on us. She then called us back demanding an apology for hanging up. Ummm my daughters phone was laying on the table with XXXX on speaker phone. She was very unprofessional. I would will not send anyone to Sunwest or to XXXX XXXX. For her to yell and threaten us to cancel the loan because we asked questions is CRAZY! and unprofessional.
Consumer complaint received 2022-04-07
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. (PA)

I have a revolving account with XXXX XXXX. I legally changed my name in XX/XX/2021. I used my revolving line of credit to place an order after contacting them to change my name and they were provided with my account number. Instead of charging my account, XXXX XXXX  pulled my credit and opened a new line of credit. 

XXXX XXXX I moved to a new address and placed an order for XXXX items using my line of credit. Again XXXX XXXX  pulled my credit to open a new line instead of using the account which was provided. 

I contacted the company and was told when you place an order you are subject to a credit inquiry. However, my line of credit has been established for years.
Consumer complaint received 2021-05-25
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. (FL)

TransUnion who is a third party agency willing and knowingly violated Fair Credit Reporting Act ( FCRA ) 15 USC 1681 a ( 2 ) as defined below in section ( 2 ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
XXXX. I SPOKE TO A REPRENTATIVE OF TRANSUNION ON XXXX NAMED XXXX EMPLOYEE ID # XXXX. HE TOLD ME SPECIFICALLY THAT HE REFUSED AND WILL NOT DELETE THE INACCURATE INFORMATION ON MY CONSUMER CREDIT PROFILE I TOLD HIM THAT YOU ARE ADMITTING TO VIOLATING A THE FEDERAL LAW 15 USC 1681 A2 2. ) I NEVER GAVE TransUnion WRITTEN CONSENT TO FURNISH THE INFORMATION LISTED FOR ME ON THEIR COMPANY INFORMATION 3 ) ALSO, TRANSUNION ALSO violated FAIR DEBT COLLECTION PRACTICE ACT ( FDCPA ) 15 USC 1692 g.Only a consumer which is me XXXX XXXX can validate a debt and no other person
Consumer complaint received 2022-10-11
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-07
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: Experian Information Solutions Inc. (GA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Arcadia Holdings, LLC (NJ)

im unable to get my XXXX  report I have mailed them my proof of address and phone number and ID the bankruptcy is not mines and needs to be removed from all 3 reports. can you please help me
Consumer complaint received 2023-03-10
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$28000.00}
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2021-03-29
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (TX)

On XX/XX/XXXX i notice a debt thats was on my credit that i did not do. I called the number XXXX I was told that this account was opened XX/XX/XXXX I did not do this. I am a victim of identify fraud. in XXXX a client of mine stole my wallet with my bank information id. The amount was 1567.00
Consumer complaint received 2018-02-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

I have for many years tryed to find out about my loans and payments its been over 4 years since I have recieved any bills or even mail from them. I get things from the government but not from the lender. I was told that my credits would transfer if I went to a different college to find out that is false. Not one of my credits are eligible at any college. I would have never went to the private college XXXX. XXXX  is shut down because of that reason.
Consumer complaint received 2021-07-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I have submitted a complaint with the consumer financial protection bureau. 
The Debt company and Apartment company responded with a bill of costs that are due. 
I submitted an online application. The decline was immediate for I was not accepted to be a residence of 8 eighty apartments. 
The total cost of the online application I see is {$52.00}. 
I do not know why there is a NSF fee of {$25.00}. 
There should not be a holding fee for there never was a hold for an apartment. 
There holding fee is {$200.00}.
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

I previously provided Experian court documents demonstrating my name was changed from XXXX XXXX to XXXX XXXX XXXX. Experian continues to list XXXX XXXX on my Experian account, although that name has not been used since the court order. Additionally, I have not applied for credit under the name XXXX XXXX since the court order.
Consumer complaint received 2022-04-07
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. (CA)

Upon viewing my Credit Report I noticed several inaccuracies. So I filed a Police Report with the XXXX California Police XXXX. on the date of ( XXXX ) Report Number : XXXX. I attached this report with disputes & sent them to the credit bureaus ( XXXX, XXXX, trans Union ). Unfortunately I have yet to receive a response. 
In accordance with the Fair Credit Reporting Agency Act U.S.C. 1681 & Fair Debt Practices Act 15 u.S.C. 1692 ( XXXX XXXX  XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights.

15 U.S.C. 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent. 

15 U.S.C. 1692 section 805A states : A debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place, or time or place known or which should be known to be inconvenient to the consumer.

15 U.S.C. 1692 section 806 section 5 Causiong a phone to ring or engaging any person in telephone conversation repeatedly or continuously with the intent to annoy, abuse, or harass any person at the called number. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2022-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CA)

account hacked and {$20000.00} was transferred to XXXX. 

My only complain is that when a large amount is transferred from my account, I should get a notification just the way they do for credit cards. 

I came to know that my account was hacked when by chance I had accessed my online bank account, had I not done that I wouldn't even know about the fraud activity
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Amsher Collection Services, Inc. (WI)

A collection recently appeared on my credit report from AmSher Collection Service for {$140.00}. I was never notified of a collection attempt, informed of the name of the original creditor, or given the opportunity to dispute the debt. I have no knowledge of any outstanding debt, so I do not believe it is valid. However, even if there is a chance that this is valid debt, AmSher has acted in bad faith by reporting it to credit rating agencies without first doing their due diligence in informing me of a collection attempt.