davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-07
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. (FL)

XX/XX/2021, I tried applying for a pre-approval letter to obtain a mortgage and when my credit report was pulled, it showed an arrear of inconsistencies from the 3 credit bureaus. While auditing my credit report, it showed an inquiry from EXPERIAN BUSINESS CRED, I never contacted or contracted with this company. I contacted EXPERIAN BUSINESS CRED by phone and letter. This is very frustrating and embarrassing, I tried challenging that they committed identity theft, Accuracy and Integrity but to no avail. My credit score has taking a a drastic hit to the negative, which is now affecting my credit score and worthiness. Now I'm losing out on deals that I was promised. They never supplied sufficient information to me in order to validate the debt, I feel violated because I do not know how they came about my credit and they won't let me know how they came about it. I do not agree with their actions.12 CFR 1022.3 ( h ) Identity theft means a fraud committed or attempted using the identifying information of another person without authority.12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

12 CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and
Consumer complaint received 2019-11-07
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: REVERSE MORTGAGE INVESTMENT TR (IL)

I requested a " payoff letter '' of the reverse mortgage in XXXX. I received the payoff letter and it stated it was good till XX/XX/19. I sold the house on XX/XX/19 and requested another payoff letter so I could close on XX/XX/19. I rec 'd automated reply stating it takes XXXX business days. I called on XXXX to ask where it was since I closed but the title company will not release the funds until I get a final payoff letter. She asked when I wanted the payoff till????? I said today so I can email to my attorney. She emailed to my office encrypted to XXXX XXXX XXXX, I could not open Adobe Acrobat..it stated it was a prohibited access. I tried to forward to my lawyer and home email, it would not forward. I requested they fax to me, I never received the fax. I called on XX/XX/19 they said they had to reissue a new payoff letter since it expired on XX/XX/19. I asked for supervisor..none were available. She stated she would try to get through. XX/XX/19 nothing has come. I called them again ... same drill. The interest and fees keep accruing and I feel this is a scam
Consumer complaint received 2023-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX : XXXX, XXXX : XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX, US Dept ED ( no account # listed ) 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. 

I have enclosed the inconsistency for the XXXX XXXX  account.. 
Im also request a copy of the actual contract with my signature on the for all account.. please delete .. if proof of signature cant be provided Please delete XXXX Account .. the balance still wrong at its XXXX $ it was XXXX $ and its been paid.. delete asap
Consumer complaint received 2022-04-06
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. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2021-07-02
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)

I was taking a look at my credit and saw several accounts on my credit that I dent know anything about. I need someone to help me with this becasue I dent know what to do now XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and there is another account with no name but the account number XXXX. I also saw where a lot of people ran my credit and Im just seeing this and I did tell them to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I reached out the FTC and Im doing this on my own for really ask for your help.
Consumer complaint received 2021-07-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (AZ)

I previously submitted complaint # XXXX about this same debt. Now Im being contacted by a new company stating that my account is subject to resumption of collection efforts. This debt is over 10 years old. How do I stop this harassment?
Consumer complaint received 2019-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have unknown names and information on my credit report, The accounts that are unknown to me I will list them below, I have inaccurate employment information its keeping me from getting a job and housing. The utilization amounts are incorrect. I would like a review of this information. 
XXXX and XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( CLOSED )
Consumer complaint received 2021-07-07
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION (HI)

In XXXX of XXXX I went into forbearance due to COVID and my wife not working. I received letters this year from Navy Federal Credit Union saying in XX/XX/XXXX my forbearance would end because it has been 12 months and I would have to complete the loan modification, as they said that was the only option. Shortly after signing the loan modification, a friend told me there were two more three month extensions authorized by the XXXX in XXXX of XXXX that Navy Federal did not make an option for me and was an option at the time I was told I had to complete the loan modification. I have asked them to please allow me to utilize the extensions and they said they cant. I explained I was not told of the two three month forbearance extensions at the time I signed my forbearance and should be allowed to use the extension in the Cares Act.
Consumer complaint received 2019-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ashwood Financial Inc (GA)

Repeatedly called on my cellphone stating I owe on a credit card with XXXX. Informed associate I have never done business with XXXX and was then informed the debt belonged to another name. The other name happens to be my sister whom also has never done business with XXXX.
Consumer complaint received 2019-02-22
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. (AZ)

I have disputed the student loan account with Equifax for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. Please CFPB, step up and remove the negative accounts as this greatly affected my credit score. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX   XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX : {$0.00} XXXX Opened : XX/XX/XXXX XXXX XXXX : $ XXXX Opened : XX/XX/XXXX XXXX : $ XXXX Opened : XX/XX/XXXX XXXX XXXXBalance : $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) -Balance : $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX Balance {$1200.00}
Consumer complaint received 2021-03-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I do not agreed with the final solution on claim # XXXX after being under higher up investigation for almost 3 months .the claim was reopened 3x as you all can see on the records .I have sent the item back to XXXX ( seller ) so with that being said is not a fair situation that I lost $ XXXXand did not keep the item. I SENT IT BACK THROUGHT USPS TRACKING XXXX
Consumer complaint received 2019-11-07
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Tri-Counties Accounts Adjustment Bureau (ID)

I moved out of my house on XX/XX/XXXX and I had contacted XXXX XXXX XXXX XXXX that the bill was incorrect on XX/XX/XXXX and spoke to XXXX and she said she would look into it told me that his wouldn't be sent to collections, or credit agencies. My boyfriend was then contacted XX/XX/2018 via is phone number, He has an out of state number and address compared to mine and a different last name. He was contacted by Account Recovery Services, the person identified themselves as XXXX XXXX. 
I have a time/date email that my boyfriend sent to me that he received a call from XXXX XXXX at Account Recovery Services XXXX at XXXX on XX/XX/2018. Here is what he told me occurred : She never read me my rightsshe never announced that she was a collector attempting to collect a debt. 

<I received a call from XXXX XXXX She was looking for XXXX XXXX. 

She asked if I was her husband I said no. She then asked if I new about the XXXX XXXX water bill that was due and that she was with Account Recovery Service. XXXX owed {$520.00} I said the only thing that I know is that I never lived in XXXX XXXX and I don't owe it so why are you calling me? Then she asked for XXXX 's number. I said give me yours and I will try to give it to her if I see her ... she gave me XXXX. 

I asked if this is going to be reported to credit? she said no. I said is this call being recorded? She said no. 

Side note : She never read me my rightsshe never announced that she was a collector attempting to collect a debt. She should have never shared your information with me! > The above was all from my boyfriend and I am not pleased with them sharing my personal information and I know that it's not legal! Not only is this a violation but it was extremely embarrassing and was my private information, I had absolutely no other negative infractions on my credit report and this has been a constant stress and impedes my ability to obtain credit.
Consumer complaint received 2019-11-07
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. (LA)

THE CREDIT REPORTING AGENCY HAS BEEN NOTIFIED THAT I DO NOT KNOW OWE XXXX. DESPITE MY REQUEST TO INVESTIGATE AND FAILURE OF THE COMPANY TO DOCUMENT TO ME THAT I OWE THEM THEY HAVE ALLOWED THIS TO STAY ON MY CREDIT REPORT.
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC (CA)

I am writing to file a formal complaint against CAVALRY PORTFOLIO This company may be improperly collecting on a debt/ REPORTING an authorized account. I am thus seeking further proof of the debt allegedly owed. 
To help you identify me, my name is XXXX XXXX. My date of birth is Date of Birth : XX/XX/XXXX. My Social Security Number ends in SS # : XXXX Please forward this complaint to the agency mentioned above. You may reply to this complaint or written mail
Consumer complaint received 2021-07-01
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. (NY)

My communication is in regards to the XXXX account furnished on my consumer report that I want deleted. Now, according to 15 USC 1681a ( 2 ) ( B ) it says a consumer report does NOT include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is, the term credit card mean any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice congress said ANY card. The credit card is my social security card. This is the card I used to grant the right to this debtor making it a creditor, to then extend credit back to me. This is a violation of the FCRA and a consumer right to privacy. Congress clearly states what should be excluded from a consumer report therefore delete this account immediately.
Consumer complaint received 2020-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Due to the Covid19 quarantine in XXXX county in XX/XX/2020, my household financial income was affected and thus I elected to enter into my XX/XX/XXXX XXXX proposed payment plan to help with making payments. I in effect closed my XX/XX/XXXX account and entered into a payment plan. At that time I was in need of paying my XX/XX/2020 minimum due in the amount of about {$32.00}. When applying for the payment plan which i was subsequently approved for, I understood from the text of the agreement that the XXXX payment would be optional since the first payment to be drafted was dated XX/XX/2020. This is what the application stated, however upon checking my credit report the following month, I showed 30 days late on my XX/XX/XXXX XXXX for missing my XXXX payment. Until i applied for this payment plan due to Covid19, I had Never Missed A Single Payment on my XX/XX/XXXX. i had paid my card on time for the previous 8 years, never missing a payment and going 30 days late. I disputed this originally in the spring and was told the dispute was " resolved by grantor '', however it still shows a 30 day late mark on my credit score. This is very important to me that I resolve this problem. I am currently enrolled in the above mentioned payment plan and pay each month a fixed amount to my XX/XX/XXXXXXXX. This dispute was corrected under my XXXX  credit report via XXXX XXXX on XX/XX/2020.
Consumer complaint received 2021-09-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (GA)

Hello, Thanks for taking this time to review my request. I have a family of XXXX and usually to prevent any issues with shelter expenses we pay our mortgage upfront with our tax refund. We did so for XXXX in hopes that this year would be a normal year. Then Covid Struck and both my husband and I had to collect unemployment. We applied for a forbearance that would have applied from XX/XX/XXXX - XX/XX/XXXX. We also applied for the first 90 extension which is bringing us through XX/XX/XXXX. We continue to receive letters and call from the mortgage servicer that are quite scarey. We have requested our final 90 days which will put us to tax return time since we are in debt up to our eye balls currently as anyone can imagine. However, the mortgage servicer is reporting that we have exhausted our forbearance allowance under the CARES act. However, that isn't the case. Each time I would contact Customer care Here is the verbiage about our request : Forbearance Plan Terms You are entitled to a forbearance for up to 180 days. As part of your Forbearance Plan, we have temporarily paused your monthly mortgage payment amount of {$790.00} for 360 days, the forbearance term you selected. Your forbearance is effective starting XX/XX/XXXX and will expire on XX/XX/XXXX. During this time, you do not need to make any mortgage payments. You may shorten the Forbearance Plan at any time to reduce the amount of payments which are being paused. Additionally, you may request an extension of your forbearance for up to an additional 180 days.

Your account will not be assessed late fees or penalties during the term of the Forbearance Plan. If your loan was current at the time of entering into this Forbearance Plan, then each month you are in the Forbearance Plan, we will report the status of the account to the credit reporting agencies as current. If, however, your loan was delinquent prior to entering into the Forbearance Plan, we will maintain that delinquency status during the term of the Forbearance Plan. If you are able to bring the loan current during the Forbearance Plan, we will report the account as current. The terms of your mortgage remain unchanged.

If you have questions about the terms of your Forbearance Plan, please contact us at XXXX. 


The mortgage services information is as followed : In order to assist you, LoanCare has assigned a Mortgage Resolution Advocate to your loan. 
The Mortgage Resolution contact information is listed below : Mortgage Resolution Advocate : XXXX XXXX Phone Number : XXXX Extension : XXXX Email : XXXX Fax Number for submission of documentation : XXXX I have been placed on hold for 30 minute increments at a time then line disconnects. The treatment has been completely horrible. I would ask for a manager and was told one would call me back and not receive a call.
Consumer complaint received 2021-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (GA)

Good Afternoon. First and foremost, I, XXXX XXXX XXXX, is filing this complaint. ERC Collections sent a letter to my parents home in XXXX, XXXX First and foremost, I haven't lived in XXXX since College, which was XXXX. Secondly, I have never had an account with XXXX. I am requesting that they cease communication and that they remove this account from my credit immediately. I will sue if they keep this on my credit. I have submitted an identity theft report from the police station and from idtheft.gov. They have contacted me twice and I do not owe anything. Now they are reaching out to people that they think are associated with me. I am a victim of identity theft and I am requesting help with this issue immediately. Thank you.
Consumer complaint received 2019-11-07
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: DISCOVER BANK (TX)

Hi Contacted discover card fraud dept and the fraud claim was withdrew account number ending XXXX and I spoke to the lead fraud investigator and she refused to assist me and wouldnt put this secured credit card back on my credit file with XXXX  and XXXX  and it was blocked on the credit bureaus end by error and Im trying to get this account reinserted back to my credit file and discover refused to do so ... the account number is XXXX Discover secured card with a XXXX limit ... ..is not being reported to XXXX  and XXXX  credit file and I need to have it back on there so I can add history to my credit file
Consumer complaint received 2019-11-07
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. (LA)

EQUIFAX HAS NOTIFIED THAT I DO NOT KNOW OWE XXXX XXXX   ACTS XXXX, ACT # XXXX AND ACT # XXXX DESPITE MY REQUEST TO INVESTIGATE AND FAILURE OF THE COMPANY TO DOCUMENT TO ME THAT I OWE THEM EQUIFAX HAS ALLOWED THESE TO STAY ON MY CREDIT REPORT.