davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-12
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. (SC)

I STARTED OFF ATTACK THESE INCONSISTENT ACCOUNTS IN XX/XX/2019 A FEW CAME OFF BUT MANY REMAINED AND I FIND THAT INCONSISTENT WITH THE REPUTATION OF THE 3 MAIN  CREDIT BUREAUS ( XXXX, EXPERIAN, XXXX  ) TO REPORT MY INFORMATION THAT IS ACCURATE CONSISTENT AND VERIFIABLE HOWEVER MY CREDIT SCORE IS SUFFERING BECAUSE THEIR ARE MULTIPLE ACCOUNTS THAT IS PASSED MY STATES STATUE OF LIMITATIONS ON WRITTEN CONTRACTS. ALSO SOME OF THE COLLECTION AGENCIES (  XXXX XXXX XXXX, XXXX, ON MY ACCOUNT DO NOT EVEN HAVE THE RIGHT TO COLLECT IN MY STATE WHICH MEANS NOT ONLY ARE THESE NEGATIVE ACCOUNTS INACCURATE BECAUSE THE WAY THEY ARE REPORTING BUT THEY ARE INACCURATE FOR EVEN BEING REPORTED AT ALL.

SOUTH CAROLINA LAWS GOVERN THAT THE STATUE OF LIMITATIONS ON WRITTEN CONTRACTS IS THREE YEARS YET I HAVE PROOF THAT THE CREDIT BUREAUS ALLOWS THESE CREDITORS AND COLLECTION AGENCIES TO CONTINUE TO REPORT INACCURATE AND UNLAWFUL INFO ON MY CREDIT REPORT WHICH IS INDEED A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2022-05-02
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. (GA)

XXXX, Transunion, XXXX XX/XX/XXXX, I sent my XXXX and last dispute to all 3 bureaus via certified letters regarding information that is illegal according to the law- XXXX. There's MULTIPLE information ( false collections, paid acct 's showing contrary, false addresses, misspelling of my name, etc ) from companies that I've NEVER given permission to use my name, signature, etc to report to these 3 bureau 's. There's no contract with my signature to report from any of the information from as early as XXXX on back ; on my behalf. Today 's date is XX/XX/XXXX & there are OVER 56 inquiries & multiple false reports that I've constantly disputed to all three bureaus to no relief nor change! One great example is a 10+ year OLD closed bankruptcy that's FRESHLY reporting AS OPEN!
Consumer complaint received 2023-03-01
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. (FL)

Dear CFPB, Please assist - I have absolutely no knowledge of the alleged debts listed on my credit report. I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. 

I opened up my mail to find that credit had been applied to in my name. I immediately reported this to the FTC so that the bureaus can rectify the situation.
Consumer complaint received 2021-12-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (TX)

I moved out of my apartment building, the XXXX XXXX XXXX, on XX/XX/21. I was told I could have some extra time to return some plastic pool bands ( worth absolutely nothing ) that they were charging me {$150.00} for. I was out of town for a couple of weeks at the time, but when I got back, a friend returned them for me. The XXXX XXXX XXXX XXXX said they would reissue the bill, but they never did. The total bill amount was {$510.00} - but should have have been {$360.00} less the pool bands. When I was hounded for the full {$510.00}, I admit I felt frustrated and taken advantage of. I've emailed them to ask how I can pay the bill less the pool bands. I apologize for not following up on this sooner. I really do pay all of my bills on time and feel that this debt / collections mark is unfair and unjustified. I really do not want a mark on my credit and will do anything to get it off.
Consumer complaint received 2018-02-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

My mortgage went delinquent for a short period of time because I temporarily lost my job. However, once I got a new employment, I sent a check to my Lender in order to have become current again but the Lender rejected my check.

I then applied for my first loan modification which was way back in 2008. Since that time. I have been played by that Lender. I took 11 years for the Lender to deny me that loan modification that I am well qualified to receive as per the Federal guidelines.
Consumer complaint received 2024-02-28
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. (SC)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am becoming more and more frustrated I have been trying to remove this fraud alert for some time now. You all have been ignoring my request via phone and Transunion site. I am not able to obtain internet service or any necessary items via credit because of this. I provided you all with identity verification multiple times. If this fraud alert is not removed immediately, I will seek litigation. Your company 's unprofessionalism has cause me pain and aggravation to the highest degree.
Consumer complaint received 2022-05-02
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)

XXXX, XXXX, Equifax XX/XX/XXXX, I sent my 4th and last dispute to all 3 bureaus via certified letters regarding information that is illegal according to the law- 15USC1681B. There's MULTIPLE information ( false collections, paid acct 's showing contrary, false addresses, misspelling of my name, etc ) from companies that I've NEVER given permission to use my name, signature, etc to report to these 3 bureau 's. There's no contract with my signature to report from any of the information from as early as XXXX on back ; on my behalf. Today 's date is XX/XX/XXXX & there are OVER 56 inquiries & multiple false reports that I've constantly disputed to all three bureaus to no relief nor change! One great example is a 10+ year OLD closed bankruptcy that's FRESHLY reporting AS OPEN!
Consumer complaint received 2022-01-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I tried to call all three bureau 's and the company, i even wrote numerous of letters to explain that this is not my account. i asked the company to provide proof of contract and they keep sending me a bill, which is not my bill? A bill does not show proof that i signed a document. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I know my rights and they are trying to make me pay a debt that does not belong to me. The credit companies sent me someone else 's credit report a while back so what makes me believe they are not mixing me up with this person again.
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Absolute Recovery Services, LLC (MS)

I have no knowledge of this account. I have been denied credit because of this account. I have tried to dispute this account and could not get it off of my credit. The company reporting the credit item has incorrect personal information. The company has the incorrect date of birth, social security number, and my name is misspelled. This company had two accounts on me. The other account was disputed but not this account, when they have the same information on both accounts.
Consumer complaint received 2018-02-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Coinbase, Inc. (MI)

Coinbase charged my debit card with unauthorized transactions. Ive seen the same transactions previously posted on my account but they are charging me again. 
Couldnt get ahold of anyone through email or phone. 

XXXX XXXX XXXX XXXX. 
Over draft Fees : {$20.00} Coinbase Trav Fun coinbase : XX/XX/XXXX {$1000.00}, XX/XX/XXXX {$500.00}, XX/XX/XXXX {$120.00}, XX/XX/XXXX {$340.00}, XX/XX/XXXX {$200.00} Coinbase Fee : {$10.00}, {$5.00}, {$1.00}, {$3.00}, {$2.00}
Consumer complaint received 2020-12-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (CO)

Back in the begginning of XX/XX/2020 I called my mortgage company Caliber Home Loans advise them that due to the pandemic covid-19 our hours were cut so it made difficult to pay the mortgage, the representative from caliber stated due to my FHA loan I can put my loan on covid-19 pandemic forbearance plan and it wont be reported to credit reporting agency and we dont have to pay until the end of 6 months up you can if not and your still struggling it can extend for another 6 months. But since we on this forbearance for 3 months now I have been getting phone calls, I got a certified letter that I had to go to the post office to sign for and it was from Caliber Home Loans stating I am past due on our mortgage and it is imperative that I make immediate arrangement on my account. I feel threaten by them as though they are not on the same page as the other representative who made the arrangement with me. This is not the first time having issue with them. This needs to be resolved and compensated for what they put us thru stress.
Consumer complaint received 2018-03-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TN)

I started contacting Loancare mortgage company in XX/XX/XXXX about failure to pay my county taxes from my escrow account. I have contacted them 6 times only to be given dates for it to be paid but none of the dates were met. Taxes still have not been paid.
Consumer complaint received 2018-03-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (TX)

I have XXXX credit protection through XXXX because my information was compromised through their breach. ( I assume. They've never directly admitted it, just offered me the service. ) There are now two sets of collection notices on XXXX and XXXX from Amsher and XXXX XXXX XXXX. I am not behind in any of my debts. In both instances I never received notice from any firm that I owed them money prior to them placing this collection notice on my report. I was not aware of any debt owed before this. I have disputed these debts in writing with the collection agency and in the instance of Amsher also with XXXX XXXX who Amsher was collecting for. 

I don't think these companies and their collection agencies should be able to phish for me by placing this notice on my credit report prior to giving me actual notice of a debt. I never even received a bill from XXXX XXXX prior to being notified that this collection notice was placed against me.
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: ENCORE CAPITAL GROUP INC. (PA)

XX/XX/2015- XXXX,XXXX,XXXX- called them and explained why the accounts were wrong. they told me to file a complaint
Consumer complaint received 2018-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IL)

On XX/XX/XXXX a collection was put on my credit for {$140.00}. According to XXXX I missed payments for 5 consecutive months starting from XX/XX/XXXX. In XX/XX/XXXX I had moved and canceled since I no longer needed them.
Consumer complaint received 2021-03-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (NJ)

I opened an Account with Coinbase XX/XX/2021. I transferred XXXX and purchased BitCoin XX/XX/2021. 

I lost my cell which contained my 2FA authentication. I notified Coinbase XX/XX/2021 and they immediately locked my account to protect my account and assets. 

I replaced the phone and requested access back to the account. ( The old phone was located on my property where I lost it yet was destroyed by rain. ) My Coinbase account was never touched or accessed by anyone but me. 

They assigned me case # XXXX It been a month and they have not responded to my various attempts to regain access to my account and my assets. 

My request is very simple : Please send me instructions on how to get back into my account so I can continue trading.
Consumer complaint received 2021-11-19
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. (GA)

I was a victim of identity thief, I old roommate made purchases on my card while I was undergoing XXXX. He made unauthorized charges in which XXXX did not notify me instead start reporting negative items to the credit report. XXXX also sold my account and gave up all rights on this account. The company that took over this account and XXXX both agreed to have this account completely remove from all three credit bureaus and currently the account is still reporting on all three bureaus. Im a protected veteran and if this account is not completely removed from all three bureaus I will file sue against XXXX for allowing fraudulent unauthorized charges to be made and negative impacting of my credit file. The agreement was this account would be removed from all three credit bureaus. XXXX, Experian and XXXX have all agreed to remove it as long as they got request from XXXX
Consumer complaint received 2018-03-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

PORTFOLIO RECOVERY is trying to collect on an old debt in the amount of {$710.00}, that was discharged under Chapter XXXX Bankruptcy in 2012. The original creditor is XXXX XXXX XXXX XXXX  and the

account is closed. Portfolio Recovery has continuously called and threaten me, and continue to use profane lanuage in its telephone calls to me. I have asked repeatedly that Portfolio Recovery and its agents, representatives stop calling and trying to contact me, to no avail. Portfolio Recovery continue its attempt to collect on a debt that is not owed. Further, I do not have a Consumer Contract/Agreement with Portfolio Recovery and owe them nothing. Portfolio Recovery has damaged my credit by placing this debt with all three credit bureaus and updating stated debt every month in order to further damage my credit. Thank you.
Consumer complaint received 2020-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been trying to protect myself by accessing my credit report and Transunion keeps blocking this from happening. They block my credit monitoring from getting a new report and they block my every attempt through XXXX.All I wanted is to get this fixed. I wanted to know anything about my credit score and Transunion making it hard for me to get access to my credit report or credit score. 
Transunion has the wrong information on file and if this is not fixed then I will seek help from an attorney within 30 days. I attached the screenshot of the errors I encounter whenever I am trying to access my credit report. This has been going on for 3 months and I am frustrated. I want a new credit report mailed to me and I want this problem resolved right away.
Consumer complaint received 2019-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC. (GA)

I have contacted XXXX XXXX about a XXXX XXXX XXXX XXXX Credit Card they allowed to be opened in my name fraudulently, and I have also contacted XXXX XXXX about a XXXX XXXX card they allowed to be opened in my name fraudulently. I have mailed correspondence to both companies to let them know that these accounts were opened fraudulently, and I have provided both of them police reports that clearly stated these accounts and other accounts were opened in my name as a result of fraud, both companies have refused to refrain from reporting this fraudulent information from my credit report even though I have notified them multiple times and provided evidence that these accounts were fraudulent. I have also contacted Equifax about these fraudulent accounts but Equifax has refused to do proper investigations, and Equifax was also provided a copy of the police report outlining the fraud. Equifax has chosen to continue to allow this fraudulent accounts to be included in my credit file. Equifax, XXXX XXXX, and XXXX XXXX continue to violate my FCRA rights and have therefor defamed my character by willfully and maliciously providing information they know and have been told and provided evidence these accounts were the result of identity theft/fraud. 

Police Report is Attached
Consumer complaint received 2018-03-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ACOPIA CAPITAL GROUP (TN)

Broker misled me and lender with lack of supporting documents filed in a timely manner. 

Delays in approval process, closing disclosure, and final clear To close. 

I had to pay builder {$90.00} per day due to his delays. 

The entire process was handled poorly, bad communication, errors at closing table, etc ...
Consumer complaint received 2021-12-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (VA)

Hello I have an FHA loan and Mortgage Lender ( Midland Mortgage ) is refusing to give me an additional 6-month extension. 

I'm currently working with a HUD counselor and she advised me about this information, I also check HUD 's website to verify this information. It says on there FHA loans are available for up to 18 months if unable to find employment.
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

In XXXX I provided equifax with a police report with fraudulent/identity theft account which was open with my personal information, after the first investigation equifax failed to do there due diligent, and they still left two of the accounts on my credit report, this fraudulent accounts are XXXX  XXXX XXXX and XXXX XXXX, equifax failed to provide me with information on how the dispute was conducted and information XXXX XXXX XXXX and XXXX XXXX provided such as a physical signed agreement or drivers license that was provided when these accounts was open but could not done so, but instead I was told that the only information that was provide to equifax was word of mouth, I filed a complaint two months ago and equifax stated that they was going to reinvestigate the accounts but never did. all I need is for XXXX  XXXX XXXX and XXXX XXXX and equifax to provide information such as physically signed agreement and copy of drivers license when these account was open. and if they do, the information would not belong to me because I never open those accounts with those creditors.