davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-02
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

A final judgement for Dissolution of Marriage between XXXX XXXX XXXX and XXXX XXXX XXXX was issued on XX/XX/2012 in Case Number - XXXX XXXX. Please visit XXXX XXXX XXXX  for a copy of the court document. The Community Loan Servicing in the amount of {$150000.00} is outstanding debt related to the marital home. Per the final judgement, the marital home was awarded and deeded to XXXX XXXX XXXX AND is 100 % financially responsible for all of the mortgage payments, insurance, taxes, and all associated debts related to the marital home. She was also ordered to remove my name from all mortgages and financial obligations related to the marital home by XXXX XXXX, 2012 OR put the marital home up for sale. According to Florida law, the Mortgage Note and the Warranty Deed are ( 2 ) separate legal instruments, independent of each other. I believe Community Loan Servicing and XXXX Home Lending, the lenders, breached Florida contract laws implied covenant of good faith and fair dealing by modifying a mortgage contract without my signature and still hold me financially responsible. I hereby dispute this account as she has modified the loan in her name as single and unmarried AND it is still reporting on my credit as Ms. XXXX is currently in contempt of court for failing to remove me from the mortgage or dispose of the property in a timely manner. This lender, having knowledge of the final judgement based on the loan modification, is still reporting on my credit profile which is a direct violation of the Fair Credit Reporting Act in my opinion. The Banks knew the terms of the final judgement and modified the loan instead of refinancing it. The bank had the opportunity to refinance or let her assume the mortgage based on the same terms of the modification since it is based on her income and credit as well. As per the court order she is 100 % financially responsible for the debts related to the marital home. A copy of the Deed to the property and proof of the loan modification can be found at the website listed below. XXXX XXXX XXXX ( Acclaim Official Records )
Consumer complaint received 2021-04-11
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: EQUIFAX, INC. (UT)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2020-12-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Elevate Recoveries, LLC (LA)

On XX/XX/2020 I contacted Elevate Recoveries LLC via certified mail regarding two violations they have made. The bill was in the amount of {$730.00}, therefor I sent them a invoice in the amount of {$2000.00}.
Consumer complaint received 2017-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I noticed on my XXXX report that there is an address showing as mine that I have never used. I went online to try to have this inaccurate information deleted only to find I was denied the right to do so. Now I am getting an error when I attempt to dispute it.
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contacted the credit bureau regarding the incorrect information on my credit report. I was informed to submit my information. I uploaded my information as well as mailed it. The items are still showing and need to be removed.
Consumer complaint received 2021-04-11
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: EQUIFAX, INC. (GA)

Equifax has NOT UPDATED my credit report and credit score with them since XXXX of 2019. Their information on my report with them does not reflect any of the positive things that have transpired over the last 6 plus years, etc. and is not coinciding with the other two reporting agencies. Additionally, name/information was involved in their massive DATA Breach and they refused to right their wrong. In fact, the information and score with them is 80 to 100 points off compared to XXXX and XXXX. I have requested repeatedly ( via multiple ways ) that they update my reporting & score to reflect the things over the years to aid my score just as they've discriminated against me to reflect yester-year, antiquated and outdated information on my report. As a result of them not fairly reporting all sides and them NOT updating my report and score since XXXX 2019, my score/report with them ( Equifax ) is INCORRECT and they have Blantly refused to rectify this and update my information as the other reporting agencies have and do on a monthly/regular basis. Again, monthly/periodic updates are NOT and HAVE NOT occurred to my credit report/score with Equifax. Last update was XXXX 2019. They are/have REFUSED to rectify this problem. I need assistance with how to further address issue and these unfair and XXXX, bullies.
Consumer complaint received 2020-12-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

FCRA Violation. XXXX/XXXX XXXX Why is this information verified as accurate deleted and they left 5 remaining on my account that does not belong to me? Explain. See document attached -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX < -- -- - ADDRESS DOES NOT BELONG TO ME. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX/XXXX  XXXX  XXXX XX/XX/2017 XXXX/XXXX XXXX XXXX XX/XX/2017 XXXX/XXXX  XXXX  XXXX XX/XX/2017 XXXX/XXXX XXXX XXXX XX/XX/2017 XXXX/XXXX XXXX XXXX XX/XX/2017 XXXX/XXXX XXXX XXXXXXXX XX/XX/2017 XXXX/XXXX XXXX XXXX XX/XX/2017 < -- -- 5 ACCOUNT REMAINING ON MY REPORT DOES NOT BELONG TO ME!
Consumer complaint received 2021-04-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

I'm a part-time seller, and I didn't try to sell on XXXX until XXXX. My sources of goods are very regular. My money has been on PayPal for a long time. I don't know why PayPal took my money away without any reason PayPal - negative {$4800.00} XX/XX/XXXX Transfer Loading transaction details for PayPal - negative {$4800.00} XX/XX/XXXX Transfer Paid with Balance {$4800.00} Transaction ID XXXX Seller info PayPal Note {$4800.00} USD ; PayPal Posting Date : XX/XX/XXXX ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation
Consumer complaint received 2017-12-15
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. (GA)

I have contacted all three major Credit Reporting Bureaus and have received the same answers from all of them about credit inquiries. Over the past 12 months I have had anywhere from 60 to 80 credit inquires on my credit reports. Fro some reason this did not set off any potential fraud alarms from any of them.

I started receiving multiple credit denied letters by the mailbox full and I pulled my credit. I contacted the agencies and I was told they were all authorized and for ME to contact each individual creditor that pulled my credit. WHY? Why should I have to spend hundreds of dollars for something I did not authorize.

I am a victim of ID theft and two fo the three credit reports are now locked. Yet, I am still getting hard inquiries.

I am also a VERIFIED victim of the XXXX breach.

I have TWO valid inquires. XXXX XXXX XXXX and XXXX XXXX. THATS IT OVER THE PAST YEAR
Consumer complaint received 2023-01-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (VA)

I had a loan modification done in 2018 and the mortgage company charged me excessively for homeowners insurance ( XXXX ) when I already had homeowners insurance. I just discovered this error and have tried to get it corrected with XXXX for the last XXXX months
Consumer complaint received 2021-04-11
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: EQUIFAX, INC. (NY)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2020-09-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (GA)

-Contacted Ability Recovery on XX/XX/XXXX -Disputed with XXXX   XX/XX/XXXX -Document from insurance company showed I owed {$0.00} to provider, submitted with dispute and to collection agency. 
-Service date XX/XX/XXXX -Amount XXXX
Consumer complaint received 2021-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX is an account that has been reported with an incorrect balance, incorrect payment history, incorrect opening date and all XXXX of these issues have been brought to the attention of the Credit Bureau by dispute. 

However, each dispute has come back as 'VERIFIED '.
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (MA)

I have contacted Comenity bank several times about this situation and quite honestly nobody has the skill set to help, I called on XX/XX/20, XX/XX/20 and again today XX/XX/20 the remarkson my account show as " charged off as bad debt '' this is wrong
Consumer complaint received 2017-12-15
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. (AZ)

I am a victim of identity theft. Someone stole and used my credit cards and made fraudulent and unauthorized transactions on all 3 of my credit card accounts. My entire credit limit was used and all the transactions are fraudulent and unauthorized. The following credit card accounts are lost/stolen : XXXX XXXX XXXX credit card account, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX credit card account, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX credit card account, XXXX, the accounts are lost/stolen and all of the charges/transactions are fraudulent and unauthorized.
Consumer complaint received 2022-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I checked my credit card that Ive had since I was XXXX and it gives me free credit updates. It shows there were two credit checks that I did not authorize. 

XX/XX/XXXX from TransUnion for XXXX XXXX XXXX  XX/XX/XXXX from XXXX for XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CO)

I made a final payment on my loan on XX/XX/20. This payment has been held in " Funds Held In Suspense '' and has not been applied to my loan. I have now received a late payment notice due the fact they have not posted the payment to the loan. This will probably be reported to the credit agencies. I am due a refund of the excess payment over the remaining amount due and the escrow balance. I have contacted Flagstar Bank at least 5 times and I have been told each time that it would be taken care of. The last time I was told it has been escalated to the highest priority, but nothing has happened. It shouldn't be hard to apply a payment, refund the excess and the escrow balance. Also, you have to sit on hold for a very long time even to get to a so called expert. Somehow, they can send a late payment notice without checking the loan to see that it is actually their fault. Very poor service and they owe me money back. Attached is a copy of the loan payment schedule.
Consumer complaint received 2023-03-26
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. (SC)

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


XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX  XXXX  Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Account number XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital one credit card I disputed multiple time that the XXXX year mark for reporting passed and that the account should be removed. After that capital one began reporting it as charged off every month.even this month of XXXX in retaliation. It was already charged off once and never reopened. I continued to dispute via experian XXXX and XXXX.
Consumer complaint received 2022-11-17
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)

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2021-04-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

Bank employees including the manager have talked my elderly parents into opening multiple IRA accounts and are taking their annuities payments. All of a sudden they now have a " Financial advisor '' who makes commissions off their accounts, but my parents have no understanding about what is happening with their money, this financial advisor is only concerned with his cut and my mom and dad have nothing.. This is taking advantage of elderly people! How is this allowed? This bank has basically bullied my parents into opening unnecessary accounts and is now taking their money!
Consumer complaint received 2021-06-09
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)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX BANK, XXXX. - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXXL - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
10. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
11. XXXX FCU - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

12. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
13. XXXX XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
14. XXXX XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
15. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
16. XXXX XXXX - Account # XXXX Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX ACCEPT on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Consumer complaint received 2020-12-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (LA)

On XX/XX/2020 I contacted Penn Credit Corporation via certified mail regarding six violations they have made. The bill they sent me in the mail was in the amount of {$5200.00} therefor I also included a invoice for {$6000.00} based on the violations.
Consumer complaint received 2019-03-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: SECURITY FINANCE CORP (TX)

So we have had the payday loan with security finance in XXXX XXXX to for more than 6 months now and we are now working with a company called XXXX XXXX that helps with the debt. So the amount on the loan for security finance is roughly for {$1200.00} and I just don't appreciate that they are calling my job and also bothering my family members. I would like it to stop.