davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-25
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: CITYWORTH MORTGAGE LLC (FL)

I was working with City worth to refinance my house just started in XXXX and and they said that my credit score was too low and to work on it and they would figure out how to get my refinance to go through they called me every single day saying they were closer and closer yet I did not know they were pulling my credit numerous times and sadly they said I was approved and all in all it was a huge scheme and now they want me to pay the money and refuse to take the inquiries off my account because they want to continue to try to get me the loan even though I have not given them consent to keep pulling my credit and they pulled it to the point that I can not refinance with anybody and they have taken the last 2 years of my life of trying to get my credit up and destroyed it the man working on my case of the refinance told me that his boss what's the one that told him to keep pulling my credit and the man wants to send in a paper State and that yes he was told to pull my credit but the boss will not allow it and he told me the best thing is to dispute the charges and that's pretty sad that it's coming from somebody that's inside the company I've already reported them to the XXXX XXXX and now I am just trying to get these inquiries taken off my account because like I said they scammed me to the point where they took everything away from me and now I will have to wait another 2 years before I can try to refinance because I have to bring my credit score back up if you do not take the inquiries. off. This company has literally destroyed my life and were calling me and asking me for so much information that when I got the SBA loan from the IRS I didn't have to go through this much and it got to the point where they called me right when my XXXX XXXX and were forcing me to find paperwork and I told him I didn't want to continue on with us numerous and numerous and numerous times and then to have a phone call just last week from them State and that they were going to close out the loan because the credit score was too low and that's when I realized that they were pulling my credit almost every 30 days.
Consumer complaint received 2022-01-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

We are requesting an affordable loan modification or a reasonable settlement with SLS/ SPECIALIZED LOAN SERVICING/ MANAGEMENT DEPARTMENT/ XXXX XXXX On XX/XX/XXXX XXXX told both XXXX and me to submit a settlement offer. 
On XX/XX/XXXX we submitted the settlement offer to SLS email ( XXXX ) On XX/XX/XXXX we called and spoke to XXXX ( point of contact XXXX ), she claimed that she did not receive any settlement but when she checked the email she saw the email we sent. Without submitting this offer to the Investor or the management of SLS, she bluntly rejected it and became very rude and unprofessional as she has done many times throughout the years. 
We have requested a new point of contact for years, BUT SLS MANAGEMENT REFUSED TO OBEY WHAT THEY HAVE PROMISED. AS PREVIOUSLY, AFTER FILING A COMPLAINT TO THE CFPB, SLS AGREED TO ASSIGN ME A NEW POINT OF CONTACT. BUT SLS MANAGEMENT REFUSED TO HONOR THE AGREEMENT ( AS PROMISED IN THEIR REPLY TO CFPB COMPLAINT ) CFPB, PLEASE HELP US
Consumer complaint received 2023-01-03
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. (TX)

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX / XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, DEPT OF ED/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 has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2018-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North Shore Agency, LLC (AZ)

This company is sending me unwanted letters for a debt i do not owe. i have no knowledge of this debt and it does not belong to me. i have for the last several years been a victim of identify theft due to my social security being disclosed as part of government data breaches at the Department of Veterans Affairs and with XXXX. I've spent the last two years trying to reclaim my identity and these types of unscrupulous collection agencies are not helping.
Consumer complaint received 2022-01-19
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. (FL)

XX/XX/XXXX Over the last several years, XXXX, Equifax, XXXX has put inaccurate, unverifiable, invalid and obsolete items on my credit report. Ive disputed all of them with no answer, result, or information regarding these issues. 
As Ive been researching and learning ways to fix/protect myself against these negative items, I have uncovered not only that what theyre doing is unethical, but illegal. Over the last several months I have personally sent letters disputing these negative items with explanations but continue to be ignored. 
I have sent my final letters, over 30 days ago and once again a couple of days ago, pointing out that they are in violation with the FCRA, sections 601-629, without a response or resolution. 
I am extremely frustrated, anxious and appalled that it is so easy for these big private companies to take advantage of the public. Because of this, I am urgently reaching out to you to ask for your help and support in resolving this issue. Anything you can do to resolve this and hold them accountable for these unethical practices will be truly appreciated. 

XXXX XXXX XXXX  Amount Owed : {$1100.00} in Collections : XX/XX/XXXX Last Verified Date : XX/XX/XXXX No action. 

XXXX & XXXX XXXX XXXX Amount Owed : {$230.00} Placed in Collections : XX/XX/XXXX Last Verified Date : XX/XX/XXXX No Action. 

XXXX XXXX XXXX Amount Owed : {$1400.00} Placed in Collections : XX/XX/XXXX Last Verified Date : XX/XX/XXXX No Action. 

US DEPT OF EDUCATION Closed Charge Off Amount : {$1600.00} XXXX XXXX XXXX Bank Inquiry for Individual XX/XX/XXXX No Action. 


XXXX XXXX XXXX  Banks Inquiry for Individual XXXX XXXX, XXXX No Action.
Consumer complaint received 2018-07-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cooling & Winter LLC (GA)

Without notice bank accts I had my name on but not set up by me were emptied by " Legal Notice '' ( # XXXX ) - {$5400.00} from one and {$210.00} from the other on XX/XX/18 ( yesterday ). The Bank tells me Cooling and Winter LLC,  XXXX Ga. got a judge to grant this apparent order to seize this money. I never heard of them .I do remember a co that harassed me yrs ago name XXXX XXXX XXXX XXXX XXXX GA ( the phone # is the same XXXX ) Who rep themselves as atty but are debt collectors ... ... 

https : //www.consumerfinance.govXXXX they are notorious for these abuses.You all know already. 


the debt is 10 yrs old .The original lenders closed out the default cards. There is supposed to be a statute of limitations I understand. how are judges signing off on this activity for a co that maneuvers like this ( Changing Names )? Dont I have rights too? 
I want to add the bank to complaint as well .Its not rt to authorize a liquidation of accts with other folks ' name on them to collect a over 10 yr old closed debt ... without any notification! Its criminal.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

Dear equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting inaccurate on XXXX HAS 90 days & EQ HAS 60 days. last reported dates are wrong & different last payment XXXX HAS XX/XX/year> & EQ HAS XX/XX/year>. THIS ACCOUNT HAS BEEN OPENED 2 different TIMES XXXX XXXX & EQ XXXX. Im sorry but this account inactive doesnt want to update please delete this account for frca rights THIS ACCOUNT IS REPORTING 60 & 90 days LATE BUT NO LATES IN PAYMENT HISTORY. NEED REMOVED DUE TO INACCURATE INFORMATION 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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. 

Thank you from XXXX XXXX
Consumer complaint received 2022-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX Over the last several years, XXXX, XXXX, Transunion has put inaccurate, unverifiable, invalid and obsolete items on my credit report. Ive disputed all of them with no answer, result, or information regarding these issues. 
As Ive been researching and learning ways to fix/protect myself against these negative items, I have uncovered not only that what theyre doing is unethical, but illegal. Over the last several months I have personally sent letters disputing these negative items with explanations but continue to be ignored. 
I have sent my final letters, over 30 days ago and once again a couple of days ago, pointing out that they are in violation with the FCRA, sections 601-629, without a response or resolution. 
I am extremely frustrated, anxious and appalled that it is so easy for these big private companies to take advantage of the public. Because of this, I am urgently reaching out to you to ask for your help and support in resolving this issue. Anything you can do to resolve this and hold them accountable for these unethical practices will be truly appreciated. 

XXXX XXXX XXXX  Amount Owed : {$1100.00} in Collections : XX/XX/XXXX Last Verified Date : XX/XX/XXXX No action. 

XXXX XXXX XXXX XXXX XXXX Amount Owed : {$230.00} Placed in Collections : XX/XX/XXXX Last Verified Date : XX/XX/XXXX No Action. 

XXXX XXXX XXXX Amount Owed : {$1400.00} Placed in Collections : XX/XX/XXXX Last Verified Date : XX/XX/XXXX No Action. 

US DEPT OF EDUCATION Closed Charge Off Amount : {$1600.00} XXXX XXXX XXXX Bank Inquiry for Individual XX/XX/XXXX No Action. 


XXXXXXXX XXXX XXXX  Banks Inquiry for Individual XXXX XXXX, XXXX No Action.
Consumer complaint received 2018-04-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc. (TX)

This debt has just a few days ago on my XXXX  credit report after it had been deleted after I disputed the debt via a FDCPA letter. This debt is not mine and I was not given any notice that this debt would be put on my report. This is copy of the letter and return receipt from XX/XX/2016.
Consumer complaint received 2021-03-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (OH)

I have called every month since XXXX to get my escrow account properly analyzed. I have been hung up on, yelled at, lied to, and more. They have the information I have submitted a tax bill, I have sumbitted emails from the city, I have submitted information at every request. They as anyone can go onto XXXX website and see what my tax due is. In fact Lakeview has paid it for the 1st half already this year and I went ahead and paid the second half myself. They still continue to charge me near {$600.00} a month for my taxes in my escrow account when currently {$0.00} are owed for the rest of the year. This company refuses to accurately and fairly adjust my escrow account and in doing so are holding my money illegally as they are only allowed to collect an extra 10 % to fund an escrow account. I wish that they could be charged punitively for their continued disregard and negligence of my situation.
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2022, A stranger logged into my account and ordered merchandise without my knowledge or permission. When I noticed this the following day, I called Kohls to stop the shipment because XXXX had not received it yet at that time. I explained to them that this was a fraudulent charge and to stop the shipment, but they did nothing even though they had every opportunity to do so due to the fact that they still had the merchandise. I filed the fraud charge and they still have not investigated it or removed the charge from my credit card. They said this may take 60 days! That would cause me to have late fees, interest charges and it could affect my credit score by having a higher balance on the credit card. They put a restriction on my account because of the fraud and i am unable to order merchandise without contacting them and I called them. Even after contacting them because they said that they were not able to verify my phone number, I am unable to place my order. The merchandise that I want to order can only be ordered online and not in the store. This is a huge headache and no one there will do anything to help. Most of the time when I have requested a supervisor they refuse to transfer the call.
Consumer complaint received 2020-01-28
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. (AL)

All of the accounts below are showing inaccurate information and delinquencies. There should be nothing late nor listed with the wrong name or account information. 

XXXX/XXXX  account # XXXX XXXX  XXXX account # XXXX XXXX XXXX  account # XXXX XXXX/XXXX  account # XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX
Consumer complaint received 2018-07-31
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. (IL)

PREVIOUS COMPLAINT NUMBER -XXXX On XX/XX/XXXX I notified XXXX , XXXX  , and Experian via Affidavit that multiple accounts on my report are fraudulent. I then contacted each reporting agency via phone on XX/XX/XXXX to follow up on the status of the investigation. XXXX nor XXXX provide me any verification of the investigation that was conducted. But all accounts still remain on the report. I placed a call on XX/XX/XXXX to XXXX  in which I recorded a new dispute in which no validation or verification was provided for. I allowed them thirty days to respond with that validation as well as to the alleged creditors. On XX/XX/XXXX I filed a UCC -11 debtor form in the State of Illinois in which it reflected that no claims/liens filed on my name in which those alleged account were in reference to. On XX/XX/XXXX All Credit Reporting Agencies were notified via Affidavit and Ucc11 certified debtors search to reflect the exact information being displayed from the certified search which is NOTHING ON FILE. I HAVE ALLOWED OVER 90 DAYS FOR THIS MATTER TO BE RESOLVES AND ITEMS TO BE REMOVED FROM THE REPORT. AS OF XX/XX/XXXX THOSE ITEMS ARE STILL LISTED ON THE REPORT, DAMAGING MY ABILITY TO OBTAIN CREDIT.
Consumer complaint received 2020-09-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: PRESTIGE FINANCIAL SERVICES INC (CO)

I voluntarily surrendered the XXXX XXXX in question back in XX/XX/XXXX. When I surrendered the vehicle, it was supposed to be sold at auction and the balance reduced for to show that the vehicle had sold and then I would receive a bill for the remainder of what was due. I began this loan in XXXX at {$14000.00} and not the loan is pushing {$30000.00} though the vehicle has since been given back and sold at auction. I have reached out the Prestige Financial to correct the balance and settle the account to make payments and have been given the run around with refusals at every turn for assistance in reducing this amount so that I can settle the account and have it cleared from my credit report.
Consumer complaint received 2018-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

{$260.00} plus accrued interest. 
Date : XX/XX/XXXX. 

Actions taken : Contacted the bank ( Bank of America ) multiple times, had assurances that the amount paid would be reflected in our statement. We had paid through the ATM ( as is recorded ) and the machine took the cash, yet we were not credited for the payment. After a month of being told that we would be credited to our account, we were told in a letter that we would not receive any credit for our payment made.

Actions taken by company : nothing ( other than lying and stealing our money ).
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXXXXXX
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act, XXXX acct # XXXX, XXXX Acct # XXXX, Experian Acct # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-07-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (AL)

medical data systems never sent me a dunning letter they just put this account on my credit report.I do not have a contract with medical data systems and they is reporting on my experian credit report. Under the Fair Debt Collection Practices Act, I have the right to request a validation of this debt. I request that medical data systems prove that I am indeed the interested party who is contractually obligated to pay this debt. A copy of the contract that shows that there was an offer made, mutual acceptance, terms and conditions, consideration and the two wet-ink signatures of both parties who have voluntarily entered into a legally binding contract.The amount medical data systems claim that is owed and how you have come up with this amount.If you are unable to provide and show evidence of this claim then they will have to delete this account from my credit report as it is not valid.
Consumer complaint received 2020-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (SC)

I discovered that there were two bankruptcy filings under my name. I am the victim of ID theft, and someone filed taxes on my behalf and opened up accounts and got cars. I filed form 14039 with the IRS regarding this. I also found that there were two bankruptcy filings -- -One filed in XX/XX/XXXX with an attorney. I contacted the attorney and was told the bankruptcy was dismissed because the person who tried to file for bankruptcy was attempting to use the bankruptcy to stay a repossession that had occurred and that when he found out that the person was not me and was using my name fraudulently, he dropped the case. It appears the case was dropped because whoever stole my identity could not come up with the XXXX tax return. On XX/XX/XXXX, it seems the person attempted another bankruptcy filing this time without an attorney but Pro Se. This was also dismissed. 

I contacted the bankruptcy court to see how to get these removed, and they furnished me a letter stating that these bankruptcies did not go through, and they did not furnish this information to the credit bureaus. I have sent this letter to the credit bureaus and XXXX XXXX, and nothing happened.
Consumer complaint received 2020-01-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have told them that I have owned this number for my business since XXXX and there is no one here or that we represent named XXXX XXXX. They call and then hang up. Calls ring through from different numbers so I can not seem to block them all. I did call back and told them to stop but they keep on keeping on ... 

Voice Incoming ( XXXX ) XXXX PORTFOLIORECOV Fri XX/XX/XXXX XXXX XXXX  Phone Call Missed XXXX Voice Incoming ( XXXX ) XXXX PORTFOLIORECOV Mon XX/XX/XXXX XXXX XXXX  Phone Call Accepted The call connected to and was accepted by this number. XXXX ( but they actually hung up on me ) Voice Incoming ( XXXX ) XXXX PORTFOLIORECOV Mon XX/XX/XXXX XXXX XXXX  Phone Call Missed XXXX Voice Incoming ( XXXX ) XXXX PORTFOLIORECOV Thu XX/XX/XXXX XXXX XXXX  Phone Call Missed XXXX Voice Incoming ( XXXX ) XXXX PORTFOLIORECOV Thu XX/XX/XXXX XXXX XXXX Phone Call Missed XXXX Voice Incoming ( XXXX ) XXXX PORTFOLIORECOV Tue XX/XX/XXXX XXXX XXXX  Phone Call Missed XXXX