davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRIAD FINANCIAL SERVICES, INC. (KS)

Today,XX/XX/XXXX I found out that my mortgage company, Triad Financial, did not pay my property taxes out of my escrow account. I have called the company, sent an email, and tried to contact them via XXXX. They are not answering. This situation has affected about XXXX people or more in my manufactured home community. We are also not able to tag our cars since we now owe " delinquent '' property tax. The money is in my escrow account, I checked. I also spoke to XXXX XXXX XXXX  and they stated they faxed multiple times to Triad to pay these property taxes, and have not heard from them as of today. This company is not accounting their money correctly even on a monthly basis. They will state you are late even if you pay a few days early and then put the money into the incorrect sections of your account. Dealing with them over an issue on a monthly payment has become a " normal '' thing, and now this situation over the property taxes.
Consumer complaint received 2020-07-13
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. (AR)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX XXXX {$550.00}
Consumer complaint received 2022-05-02
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)

I have an auto lease with XXXX XXXX XXXX I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the XXXX and XXXX Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately. Account : XXXX XXXX XXXX Date opened XX/XX/2006 Balance {$0.00}.
Consumer complaint received 2019-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I received auto insurance through my BANK USAA and I was involved in a car wreck which had nothing to do with me but they deemed my car a total loss and continued to collect insurance payments from my bank account months afterward instead of canceling it due to the total loss. They fraudulently kept it open and collected payments that were invalid. They never sent me the check that they wrote I would receive as well. I am reporting fraud and asking for the. To send me my check and to stop stealing fake payments from my checking account which is also USAA. When I check my account it states the car is deemed a loss and this means they should have closed my account the Investigation is over. They received all documentation the minute It was received.
Consumer complaint received 2022-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (GA)

We called IQ Data on XX/XX/2022 to dispute the collection of {$920.00} and we ask for a signed original document and they refused to send us one saying that they had already sent one which my husband and I disputed and then they started being verbally abusive and threatening. We tried to explain to them that this was not our debt and they did not want to hear this and again became verbally abusive and threatening. We also noticed that the amount of the debt they claimed we owed continued to increase every 6 days going from {$920.00} to well over {$1000.00}. Thank you for your help with this matter.
Consumer complaint received 2022-11-19
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. (CA)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$6600.00}
Consumer complaint received 2022-05-02
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. (CT)

n accordance with the Fair Credit Reporting act 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 consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-02
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 have an auto lease with XXXX XXXX XXXX I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the XXXX and Transunion Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately. Account : XXXX XXXX XXXX Date opened XX/XX/2006 Balance {$0.00}.
Consumer complaint received 2024-02-28
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. (FL)

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 XXXXXXXX, 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. 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 2019-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE (DC)

Dear Sirs, Last year, I planned to take vacation starting from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, I decided to purchase online, ahead of time, a multi-city flight ticket ( XXXX XXXX XXXX XXXX XXXX XXXX ), a room at the XXXX XXXX XXXX XXXX and a room at the XXXX XXXX XXXX. The total amount of this online activity should be {$840.00} + % interest. I have already made a payment of {$400.00} so far! 
What happen is the credit card company ( Barclay/ XXXX XXXX card ) just sent a {$960.00} statement balance this month which does not reflects the remaining balance of $ XXXX- $ XXXX= {$440.00} that I was expecting! After scrutinizing carefully their bill, I found out that, they added up an imaginary purchase of {$720.00} on XX/XX/XXXX! In addition to this, ( Barclay/XXXX XXXX card ) deliberately did not mail me this statement balance on XXXX and XX/XX/XXXX in order to cumulate their late fees to my bill. All in All, This is pure GREED! I really need your arbitration to solve this issue. 

Extra Information I did the same purchase online, on XX/XX/XXXX, with a different credit card ( XXXX  XXXX ) ; I purchased another multi-city flight ticket ( XXXX- XXXX-XXXX XXXX ) a room at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX credit card 's statement balance is accurate! It reflects what I spent from XX/XX/XXXX to XX/XX/XXXX!
Consumer complaint received 2020-07-13
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. (AR)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX  XXXX {$550.00}
Consumer complaint received 2020-01-28
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PLAZA HOME MORTGAGE, INC. (CT)

Dear CFPB. Plaza HOme Mortgage is cheating on you.concerns XXXX.This is first time when i asked them about out of pocket PMI.They never gave mi answer.I think that Plaza Home Mortgage sending you false information about This complaint appears to be about the same issues as your earlier  complaint..This is lie. 
I would like to know why plaza home mortgage put my PMI {$3100.00} as finananced and added to total mortgage loan.The Pmi {$3100.00} is included in closing cost and can not be added to loan but should be substracted.. 
Plaza Home mortgage this is fake gompany and lie a lot.
Consumer complaint received 2020-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Statement XX/XX/XXXX attatched ADJUSTMENT PURCHASES {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PROOF USAA * BEGINS FRAUD INVESTIGATION A THIRD ( 3RD ) TIME with Proviional Credits that do Not Apply to Balance SUMMARY OF ACCOUNT ACTIVITY IS UNTRUTHFUL CLAIMING OTHER CREDITS OF {$620.00} TOTAL PAYMENTS AND CREDITS FOR THIS PERIOD ARE {$400.00} of which I paid {$200.00} and rest paid with PERMANET CREDITS OF {$190.00}. XXXX XXXX Why is USAA INVESTINGATING FRAUD FROM XXXX 3 TIMES? These charges are fraud charges from XX/XX/XXXX Perhaps to collect credit reversals from the ADJUSTMENT PURCHASES never applied. All USAA TRUTH IN LENDING STATEMENT. with fraud LIE DECEIVE CONSUMERS INTO THINKING CREDITS WERE APPLIED WHEN THEY WERE NOT ANYTHING HIDDEN IN SECRET NEEDS TO BE EXPOSED Why hide If credits are not given it is a crime to take them back so given or not IT SHOULD NOT BE HIDDEN FROM CONSUMERS Reading these statement THEY ARE DECEPTIVE WITHOUT EXPLANANTIONS ADJUSTMENT PURCHASES DO NOT APPLY TO BALANCE ONLY {$400.00} TOTAL PAYMENTS AND CREDITS.
Consumer complaint received 2018-03-06
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: COMMUNITY CHOICE FINANCIAL, INC. (HI)

I believed that all of my payday loans were paid. I have not received any information regarding this debt from XXXX XXXX XXXX. I spoke with a man from XXXX XXXX, after an electronic phone message was left on my coworkers phone. I called the number listed in the message ( XXXX ), and they had no record of me. I then called the number that left the message ( XXXX ), and he said he was from XXXX XXXX, and that he was trying to to collect on a debt from XXXX XXXX XXXX. I asked him for written verification and the address where the alleged written communication was sent. He stated that it was to an address that I have not lived at since XX/XX/2011. He stated that he did not have any documentation and that I needed to set up payment arrangements. When I asked how I could get some type of documentation, he said, " ok since you are not willing to pay, I will forward your case to the court and you can wait to be served by them. '' I looked up the company, XXXX, and the contact information is wrong.
Consumer complaint received 2019-03-19
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: AMERICAN EXPRESS COMPANY (MO)

I recently received and closely studied a copy of my credit report. To my dismay, it seems that the credit report currently shows an alleged credit inquiry by AMEX that is not of any evidence detailing my authorizing of it or any verifiable documented physical proof of the adequately and lawfully acquired permissible purpose from the one and only legally identified me and or any person and or entity with authority to render such permissible purpose. To my understanding neither them or any other entity have the unrestricted ability to violate common regulatory standards of compliant reporting laws and as such certainly are not to be allowed to injuriously, in defamation mind you, place any unproven item of information in chicanery-derived accusation ( s ) including any such claims of an inquiry deficient of demonstrated evidence of truth, accuracy, timeliness, and compliance on any consumer 's credit profile history.
Consumer complaint received 2019-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX I received a counter deposit for {$3500.00}. It was a check issued on a CITIBANK account which was deposited on my CITIBANK Account. On XX/XX/XXXX the funds were not available. I contacted CITIBANK via chat line and they told me that they needed to verify the funds before crediting them to my account which would likely happen on Thursday, XX/XX/XXXX. I replied that they could not do so if the funds were coming from a check issued on the same bank. They acknowledged their mistake and said they would have corrected the mistake immediately and credited the funds to my account. They did not correct the issue. It looks like a pattern of intentional mistakes and misleading information to customers to illegally appropriate funds for their own investment purposes.
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

1. I have requested XXXX XXXX to provide proof that they are licensed to collect in my state of Florida, but instead they only sent me generic claim that they validated the disputed accounts accounts # XXXX and # XXXX ( see attached CFPB complaint ).

2. I have disputed account XXXX with Accounts Receivable through CFPB complaint and discovered that they are : 1. not licensed to collect in my state of Florida ( see attached confirmation from them ) and therefore their collection activities are illegal, and 2. they sent their mail letters and credit card to some address in Oregon that I never lived at and which doesnt show on my credit report ( attached ). 

Please investigate and delete these false disputed accounts.
Consumer complaint received 2018-03-06
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)

I went into a XXXX XXXX store. I had purchased a phone that I could use with their services and wanted to transfer my phone number over to them. Once there I provided photo ID ( Driver 's License ) and my Social Security #. They informed me that someone with a different name had an account already opened with my Social Security number. 

At the time they wanted me to fax a copy of my social security card to their activation department, which I grabbed and brought with me to the store, but there was no fax machines on location. They told me to call customer care. I have called customer care six times now, starting on Sunday XX/XX/XXXX, and no one has been able to help me in correcting this fraud. One of their customer care phone operators, XXXX, guided me to this website to file a claim. 

I have received little to no help, I have found out that multiple employees did not file fraud claims as they said they would. I have received differing stories on how long this process will take, and have been told multiple different and conflicting ways to handle the problem.
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PLANET HOME LENDING, LLC (CA)

I filed a Complaint # XXXX, which is now closed ; however, Planet Home Lending has now reported me as delinquent to the XXXX  Credit. I only had a loan with them ( # XXXX ) for one month ( XX/XX/2019 XXXX and it was transferred to XXXX XXXX XXXX and I was not late on my payment. They are just trying to get back at me for filing a complaint with your organization. Can you please help me get my credit report back to good standing? Thank you.
Consumer complaint received 2019-03-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: M.A.R.S., Inc. (IN)

My husband and I moved out of our apartment at the XXXX XXXX XXXX XXXX in XXXX of XXXX. We were eight months into our lease, and we had lived there since XX/XX/XXXX. We paid our rent on time every month, we were perfect tenants. We had to move because my husbands job demanded that we move to XXXX. We paid our last moth rent up until XXXX of XXXX. We were told that we had to pay to break the lease even though we were almost done way more than halfway. XXXX XXXX  XXXX XXXX then sent the amount to break the least to MARS Inc to collect the debt. I have paid off 30 % owed to the XXXX XXXX   XXXX XXXX. XXXX XXXX at MARS Inc had threatened that I would be sued and that my property would be seized if I didn't pay the remaining amount. She then denied this, even though the phone system says the conversation is being recorded. I have reported the threats to the manager at XXXX XXXX XXXX XXXX, and she stated that she has listened to the same reports from different people. I'm asking that the debt be forgiven and taken off our credit reports due to the fact that we were almost done with our lease and we have lived there for nearly three years, paid our rent on time and followed all rules, paid 30 % of breaking the lease, and being harassed and threatened for 1.5 years. I no longer want phone contact with MARS Inc, only mail.
Consumer complaint received 2020-01-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (NY)

I was notified by HUNTER WARFIELD debt collectors out of XXXX FLORIDA that i owe a debt. I denied that i owe a debt and requested evidence of debt. 
They sent me documents with no explanation of what the paperwork represented or how it proved I owe and am responsible for anything they are attempting to collect. I requested if they report this false information to credit bureaus to indicate that i dispute the debt and that is what they did. The credit agencies are refusing to remove the derogatory, false, and unsubstantiated debt HUNTER WARFIELD is attempting to collect. I have no relation to and owe nothing to hunter warfield and they have provided no explanation or evidence that i owe anything. 

Please investigate this company.
Consumer complaint received 2024-02-28
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. (FL)

After checking my credit reports, I have noticed that on all three of my credit reports are showing several inquiries that I did not make and have no knowledge of. TransUnion, XXXX and XXXX companies are unlawfully reporting an unauthorized inquiry on my consumer report. They are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). I have not initiated any transaction with the following accounts : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX Inquiries are not mine nor do I have any open accounts for those dates which means by law they must be deleted. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.