davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-24
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: RentDebt Automated Collections, LLC (FL)

I lived in a condo 2 years ago. And I tried to received my deposit amount for 2 months after my departure. They said they would deposit, but they never deposited. After 2 months claiming they would deposit. They forged a report on a retroactive date and made only by them, alleging several problems in the apartment where I lived, where nothing was real and journey, with the entire amount of money raised to carry out already scheduled renovations in the apartment. A real crime I can't solve. They did not return my deposit and even placed an illicit collection debit in my name.
Consumer complaint received 2019-03-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc. (FL)

Choice Recovery , Inc reported unpaid collection of {$110.00} on XX/XX/2019. Original vendor is XXXX XXXX XXXX in XXXX XXXX XXXX, XXXX. I have no idea what this is from? I have never received an invoice, statement or phonecall relating to this charge I called XXXX XXXX on Saturday XX/XX/19 ... I was told my account was XXXX and they didnt know what the problem was. I said I was coming in to speak with office manager and they told me not to come in? 
Please advise.
Consumer complaint received 2019-03-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Bell Financial Services (OK)

I did get a loan from the company I lost my job ... I told them I was unable to pay I did not draw any unemployment the company that fired me rehired me and then close the business down and I got to draw unemployment I'm 5 months behind on my house and many other other items such as cars and I told them that I would pay but they'd have to wait instead she served me papers and then kept harassing me with phone calls after the fact that she served me and I have to go to court even calling me and telling me if I would sign this that she would tell the judge but I would do repayment program I really don't know where the laws are but I feel that they have harassed being illegally threatened me with court
Consumer complaint received 2018-12-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (FL)

The basis of this complaint is that the loan transfer was improper invalidating Selene as the servicer and whomever the owner of the loan is at this moment. The ONLY reason the loan has now been transferred multiple times is to insulate the initial failure that has led to foreclosure proceedings and that situation was very straightforward. The previous servicer, XXXX XXXX XXXX, failed to process my insurance, refused to process my insurance and instead improperly applied my payments essentially forcing me to stop paying as the full payment amount was going toward their improper escrow, fees ... My mortgage documents clearly state how payments should be applied which they violated the original loan agreement and refused to take responsibility for doing so. 

It would then appear that XXXX  realizing their mistakes, began the process of transferring the ownership and servicing. They began with a loan assignment created by them and assigned the ownership of the loan to themselves utilizing MERS but yet MERS had the loan listed as inactive during that time and all of this seems very shady at best. Then a month later they assigned the mortgage to XXXX  XXXX  and when inquired, I did not get a response from XXXX, instead got a response from attorneys which is a logical red flag. We however have to back up further because neither Selene or XXXX  XXXX XXXX, or basically anyone can provide documentation for XXXX XXXX XXXX XXXX role in the servicing, there are no servicing documents showing basically that XXXX has any role in this at all and if they can't show they have a role then they couldn't have properly assigned the loan, not quite sure how someone can prepare and assign a loan to themselves anyways, but this simply brings into question how Selene can have a legitimate role in the loan at this point. 

Now I'll tell you why this was done. The mortgage 'players ' have figured out how to exploit the court 's frustration with foreclosure proceedings and the players realize that if they create separation from things like that bad assignment and servicing issues like not processing insurance, that the courts don't want to look back like that, they want the 'here and now ' only and not explore why someone would stop paying, only the if and once controversy in servicing occurs, they pass the loan onto to someone else to appear in court that everything is nice and orderly ... This is why the loan went to XXXX, then I think to someone else, now to Selene which it's all hard to keep track of which is precisely their point and reason for such transfers. 

So again, the basis of this complaint has NOTHING to do with the most recent assignments, it has to do with Selene not being able to provide initial XXXX  XXXX XXXX servicing documents which then brings into scrutiny all of the assignments and the current ownership and servicing ... 

I should add that every bit of this is extensively documented so just let me know which documents would prefer as I have thousands of pages of documents ...
Consumer complaint received 2021-12-08
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. (AR)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act ( TRANSUNION ), has violated my rights. XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX I have the right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. also states a consumer reporting agency can not furnish a account without my written instructions. Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2019-08-20
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. (CA)

Experian In the results of their FOUR investigation of MY SIX Disputed Accounts and subsequent re investigation,  stated in writing that they have “verified” that these items are being “reported correctly” ?   Who has verified these accounts?   They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it)  as required under Section 609 (a)(1)(A)  &  Section 611 (a)(1)(A).  Furthermore They have failed to provide the method of verification as required under Section 611 (a) (7).   Please be advised that under Section 611 (5)(A) of the FCRA – They are required to “…promptly DELETE all information which cannot be verified.”  The law is very clear as to the Civil liability and the remedy available to me (Section 616 & 617) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2021-08-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

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 I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2019-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I initiated a query with Transunion from the XXXX XXXX and to date its still not resolved. Whenever I call to ask for feedback, then response is " We have escalated, please call tomorrow '' ... .. The Teamleader as well is very rude and doesn't listen or take matters serious.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2023, I wrote to the below creditors requesting an investigation into items that I believe are fraud, these are not my accounts nor have any even did business with them. 
I have followed all the necessary procedures below as required on my end based on the law and my rights as a consumer and a victim of identity theft.
Consumer complaint received 2019-03-11
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. (CA)

On XX/XX/XXXX pulled a credit report and noticed several items that I did not recognize. There was three accounts that I never open and they seem to have been open at the same time. XXXX XXXX XXXX XXXX ( XXXX ) wit a high balance of {$570.00}, XXXX XXXX XXXX XXXX ( XXXX ) with a high balance of {$1700.00}, XXXX  XXXX XXXX XXXX Balance unknown all opened around XX/XX/2012. There was also six inquiries on my report that also didn't belong to me and I have not applied for credit with these companies. I have a police report including the items in question that help in getting the accounts closed. I do not know who opened these accounts or have I gave anyone permission to use my information for the purpose of opening any credit accounts.
Consumer complaint received 2021-05-04
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (TX)

The company, National Credit Adjusters, purchased a debt from XXXX XXXX after I was able to successfully dispute the account and had it removed because I am a victim of identity theft. The company changed the dollar amount the account number and added it back to my credit report, which are violations under the FCRA.I have contacted them on the following dates occasions XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and have not received a response to my debt validation letter requests, which I have a right to request Fair Credit Reporting Act, Section 609. This debt is not mine, I have not applied for and loans from XXXX XXXX, the original debtor.
Consumer complaint received 2019-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Creditor is reporting accounts that are invalid and unverified. XXXX XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2018-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Southwest Credit Systems, L.P. (NJ)

I have a few listings on my credit report that never happened. I have never heard of XXXX XXXX. I am not sure why are they coming on up my credit score saying I owe them money.. It states as of XX/XX/XXXX I owe them {$590.00} and {$260.00}. The listing for {$590.00} is dated for XX/XX/XXXX. The listing for {$260.00} is dated for XX/XX/XXXX. As i stated earlier in this complaint, I have never heard of this company so I am confused as to how is it that I owe them any money. They have never tried to contact me via mail, email, or telephone. I have read some reviews which states that this company is fraud. I would like this to be looked into. Also is there anyway possible for me to get a validation letter of everything listed on my credit report, because everything listed on my credit report are all from companies in which I have never heard of or recieved anything from.. I have two from listings from XXXX XXXX which are {$2000.00} and {$660.00}. The {$2000.00} listing date is from XX/XX/XXXX and the {$660.00} listing date is XX/XX/XXXX.  I have never heard of them before. Lastly, I have a listing from XXXX XXXX XXXX for {$380.00} and the date is XXXX
Consumer complaint received 2019-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX pulled a credit report and noticed several items that I did not recognize. There was three accounts that I never open and they seem to have been open at the same time. XXXX XXXX XXXX  XXXX ( XXXX ) wit a high balance of {$570.00}, XXXX XXXX XXXX XXXX ( XXXX ) with a high balance of {$1700.00}, XXXX  XXXX XXXX XXXX Balance unknown all opened around XX/XX/2012. There was also six inquiries on my report that also didn't belong to me and I have not applied for credit with these companies. I have a police report including the items in question that help in getting the accounts closed. I do not know who opened these accounts or have I gave anyone permission to use my information for the purpose of opening any credit accounts.
Consumer complaint received 2023-04-03
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: EQUIFAX, INC. (LA)

According to 15 U.S. Code 1681b ( a ) ( 2 ) without written consent specifically from the consumer, companies or credit reporting agencies are not allowed to report any information on my credit report. I never gave any company that is reporting accounts on my credit report my permission to report any of these accounts onto my credit report. This leads way to identity theft. Due to this drastic mistake I am asking that these accounts be removed according to 15 U.S. Code 1681c-2. None of these accounts report any transaction that was made by the consumer and must be removed immediately within the 4 day time window. I have sent every company a certified mail letter explaining these discrepancies but nothing has been accomplished. I am a federally protected consumer and should be treated as such.
Consumer complaint received 2022-04-28
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. (MI)

i am the natural person, consumer, and original creditor. I entered into a consumer credit transaction with XXXX on XX/XX/2021. They are committing fraud because they got paid with the finance charge and mislead me to believe i still needed to pay monthly payments to them. Everything was paid for when the application was done. The alleged debt is dealing with medical information. According to the law noone is suppose to report medical bills to a consumer report. Thats fraud. then they sent my information over to a ic systems collection agency and consumer reporting agencies. That is an infringment of my privacy because i never gave XXXX the written consent to give my information to no other company. Credit reporting is fraud everything starts with the consumer. Nothing can be furnished unless the consumer gives the consent because the money is mine. Im extending them credit therefore they have to do as i say.
Consumer complaint received 2022-04-28
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: Chime Financial Inc (GA)

On XX/XX/2022 my card from Chime was charfe 3 translations. My card was cloned and I called these companies who have no idea what the charges are and filed a dispute with Chime who is refusing to refund me trying to say these charges are valid.
Consumer complaint received 2022-10-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK (FL)

Online Savings Account at Discover Bank for several years. On XX/XX/XXXX I requested an ACH transfer to XXXX XXXX account which was previously linked. As of XX/XX/XXXX the funds are not at XXXX XXXX and Discover service representative tells me it takes 6 days. 

The funds were taken out of my account on XX/XX/XXXX, but Discover is using my money for free by holding my funds and not sending them immediately per my instructions.
Consumer complaint received 2019-03-11
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)

I am the custodial parent of my children full-time and have been since 2013 official closure of the erroneous to child-support accounts date back more than two years the balances are at XXXX of the moms close the case two years ago in the department has tried to get Trans Union to fix this error but for whatever reason union continues to want to ruin the lives of me and the XXXX girls I support by displaying in accurate information because theyre too lazy to look into the issue and find out from the Department of Child for California all these are closed in the entire record should be removed according to the department
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX XXXX XXXX XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2021-08-13
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. (GA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2018-03-05
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. (MA)

This is the 6th attempt to contact Equifax, and my 2nd complaint with the CFPB regarding misleading, incorrect information on my credit report and I have become emotionally stressed by the fact that Equifax isnt reasonably investigating and fixing this matter. This process has caused me time, stress and opportunities. According to 15 US Code Section 1681 ( I ) of the FCRA, I demand that the information for XXXX ( Account : XXXX ), XXXX XXXX ( Account:XXXX ) and XXXX XXXX  XXXX XXXX be reinvestigated and deleted from my credit report. On XX/XX/2018, you stated in writing that you had investigated the accounts and that they had come back as verified. How? I did not receive a contract with my original signature on it, or any binding agreement that would authorize XXXX, XXXX XXXX or XXXX XXXX to report information under my name and social security number. In fact, this is my 6th request for a contract bearing my signature to be provided from me, by way of the companies in question. 

Let me be clear. I am requesting that a contract or written agreement with my signature on it be furnished by XXXX, XXXX XXXX and XXXX XXXX within 15 days. If a written contract with my signature on it is not furnished within 15 days then I demand that these accounts be deleted from my credit report. By not providing me with a signed written contract, Equifax, XXXX, XXXX XXXX and XXXX XXXX are in direct violation of the FCRA. 

I have been carefully documenting your willingly noncompliance and have filed a complaint with the FTC. If you fail to conduct a reasonable investigation then I will be forced to file a complaint with the Attorney General in both my state and yours. Please delete this misleading information and supply me with a corrected credit report within 30 days. Thank you.