davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: American Financial Network Inc. (FL)

I'm being approved for the Homeowner Assistance funds for XXXX XXXX mortgage payments. This is a federally funded and regulated program - overseen by the U.S. Treasury. Mortgage companies and are required to comply with guidelines set forth by the Federal Government in terms of reporting and communication. HAF are sending the bulk checks and they aren't applying on time to my account. As of today, my XXXX and XXXX payments are past due because they aren't applying the payment on time. Last month on XXXX XXXX they applied the XXXX payment that was send on XX/XX/2022 more than 30 days later. It's a nightmare every month dealing with late fees that are unfair since the payment arrive on time. On XX/XX/2022 HAF send the XXXX payment and as of today nothing is applied in my account. This is so frustrating because they cashed the checks but not apply the payment to the mortgage loan. Charged late fees and reported to the Credit reporting agencies when in reality the checks get on time to the company. Why if they are sending the payments on time, it is taking more than a month to be applied in my account???
Consumer complaint received 2023-02-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (CA)

I was XXXX XXXX  XX/XX/XXXX to XX/XX/XXXX of the year XXXX This account is fraudulent I did not open it, it went into collections to XXXX XXXX XXXX
Consumer complaint received 2021-03-01
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: Experian Information Solutions Inc. (NY)

On XX/XX/2021, I requested Experian to conduct an investigation to an item on my credit score that I did not recognize as mine. According to the Fair Credit reporting Act, the credit bureau has 30 days to look into the dispute, based on the information provided. If its not verified within 30 days, then the credit bureau has to remove [ the disputed error ] from the credit report. Today is the XX/XX/XXXX and Experian failed not only to do the proper investigation but also did not remove the inaccurate or fraudulent information. 

The account Name : XX/XX/XXXX - Account number : XXXX The above listed item is completely unauthorized by me and most likely fraudulent. Therefore, it is a very serious error in reporting. Please delete the above misleading, inaccurate and fraudulent information and supply a corrected profile to all creditors and reflect the new and accurate information on my credit file as soon as possible. Once again, the credit reporting bureau failed to provide any prove that the account belongs to me or was authorized to me or any financial instrument signed by me. I have never received any letter confirming the receipt of my complaint nor any letter stating that the agency started an investigation required by law and that had to be finished within 30 days of the receipt of my several letters. Again, I heard nothing back and it has already been over 6 weeks.
Consumer complaint received 2020-08-20
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc. (MD)

I moved onto XXXX XXXX apartments on XX/XX/2019. During my experience living there have been most terrible. They charge huge amounts for utilities. They was a constant smell of weed in all over my apartment and the washing machine and dryer was broken way before I moved there. They also had a rodent problem and XXXX problem that I had addressed to to them and they did not care. I decided in mid- XXXX that I was moving out. I let them know the date when I was going to return the keys. I moved out XX/XX/XXXX and returned the keys on the XXXX. A month after I moved I received a bill from XXXX about an unpaid balance of rent for XXXX ( {$120.00} ) as well as repair fees, ( {$410.00} ) lost key ( which fits one door lock ) ( {$25.00} ) and a break lease fee. ( {$2500.00} ) I am deeply upset and I am asking that this need to be removed from my credit report.
Consumer complaint received 2017-07-25
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: EQUIFAX, INC. (NC)

I went to dealership that advised they would n't pull credit and send to finance companies which was they did without my authorization. XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX  Inquiry from XX/XX/XXXX + Personal Loans Cos. XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX -
Consumer complaint received 2021-05-22
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. (IL)

This item identify item disputed by name of source XXXX XXXX XXXX XXXX, To which Transunion is reporting ( inaccurate ) on my report because it is being describe was paid in a bankruptcy to which it was not. XXXX XXXX was paid by myself. I had and XXXX XXXX XXXX XXXX requested that the item be deleted from my file upon ten time and Transunion has not complied with the request.
Consumer complaint received 2018-03-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc. ()

Hi, My name is XXXX XXXX one of the user of CoinBAse. 
i had participated one of the ICO ( initial coin offering ) from XXXX. And I had transferred XXXXETH and Tx status is succesfull. 
As per the etherscan it is showing that COINBASE had recieved XXXX tokens to their coinbase wallet. However COINBASE team is not helping to send it over to my personal etherwallet. 

After doing proper research over internet, there are plenty of users with such an incident. 
Please help me to get my hard earned money back to me. 

Regards XXXX M
Consumer complaint received 2024-02-21
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. (NY)

I thoroughly reviewed again my credit report and I can still see the fraudulent item that needs reporting and correction through your company. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2023-06-13
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. (SC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-06-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (TX)

I've been working with XXXX regarding a " Debt ''. I haven't been dodging his calls we've spoke and unfortunately had a miscommunication with the settlement amount. I was ready to settled as I thought we had agreed to a certain amount to settle and when i received the letter with the settlement amount it was different than what we discussed. he said he was unable to make a change to the settlement amount and i understood there was only so much he could do, so i asked him if he could have his manager call me back.. His manager called me back and I'm shocked at the absolutely disrespect from this guy. I understand being is this business is hard, but there is no excuse for his behavior, it was the job he agreed to take, however the level of disrespect and the tough guy act was not what I was interested in what so ever and I hung up on him, I will never be disrespected by someone like that. I'm looking to settle today and someone with some common sense and a level of respect for a person not trying to dodge them and actually take care of a balance with a reasonable offer, can call or email me and we can get this done I recently found out that this collection agency has had my account since XX/XX/XXXX I have the legal right to be notified in writing prior to my account being reported to my credit report. Hunter warfield has  continued to threaten me about reporting an account that they have not provided me an opportunity to dispute or be properly notified in writing.
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I AM A VICTIM OF AN IDENTITY THEFT, AND SOMEONE STOLE MY INFORMATION AND OPENED FRAUDULENT ACCOUNTS, THE CHARGES ARE FRAUDULENT AND NOT MINE. JUST BECAUSE THEY ARE BIG CORPORATIONS AND THEY CAN CONTROL PEOPLE BUT THEY SHOULD UNDERSTAND THAT I AM VICITM THESE CARDS AND THESE CHARGES ARE FRAUDULENT.
Consumer complaint received 2017-03-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HW Holding, Inc (MO)

Hunter Warfield added collection to my report. I contacted them last year in regards to this item since I had no knowledge of the debt. They failed to respond with validation, but removed the item from my report. On XX/XX/2017, I received a bill. I responded with a cease & desist letter and stated I had no contract with Hunter Warfield, and that any damage to my credit would result in complaints to the CFPB and Attorney General, as well as a possible lawsuit. The item was added back to my report WITHOUT notification as is required once an item has been removed.
Consumer complaint received 2018-02-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc. (FL)

XXXX XXXX XXXX, SSN # : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX MEDICAL PAYMENT DATA Dear XXXX   XXXX  XXXX XXXX XXXX I am writing to dispute the following information that appears on my [ XXXX or XXXX AND XXXX  ] consumer report : Dispute : " XXXX   XXXX XXXX XXXX " File Number : XXXX " I don't recognize the accounts in question. 
" I'VE BEEN MADE AWARE OF SAME NAME REPORTING " I HAVE NO KNOWELDGE OFNTHIS ACCOUNT Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX DEBT IS NOT MINE, SIMILAR NAME TO MINE WRONG REPORTING.
Consumer complaint received 2018-06-21
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Atlanticus Services Corporation (IL)

I have my credit frozen at all three credit reporting bureaus. On XX/XX/XXXX, I received " XXXX XXXX XXXX XXXX XXXX '' credit card issued by the XXXX XXXX XXXX. The card is administered by XXXX ( who appears to be the primary problem as all correspondence and billing is completed by XXXX, not XXXX XXXX XXXX ). I did not order or apply for this card. I contacted the company and inquired as to what this was and they indicated it was the credit card that I applied for. I never applied for this card. They asked if I had made purchases at XXXX XXXX on XX/XX/XXXX in XXXX, Illinois. I indicated that I did not and that I was out of Illinois travelling for work all day. I requested that the card be closed and a reported as fraudulent. They closed the account. On XX/XX/XXXX, I spoke with the XXXX Fraud department and reported the card as fraudulent and inquired as to how they could issue a credit card to someone with frozen credit. They indicated that they did a " soft pull '' and that allowed them to issue the card. I am not sure what a " soft pull '' is or how that would be adequate to open a credit card with a {$7500.00} limit in someone's name with frozen credit. On XX/XX/XXXX, I received a bill for {$6200.00} for purchases at three separate XXXX XXXX stores. Fraud affidavit filed on XX/XX/XXXX - awaiting response.
Consumer complaint received 2018-06-21
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. (TX)

I've been mailing letters to the credit bureau for the last 8 months about these student loans on my report. I have never attended a college with student loans. I have been incarcerated for some time. I am now trying to get my life back together by getting my credit up to standard, but I can't because these fraudulent student loans is on my report. 
It has been taken off XXXX, and XXXX, but some reason Equifax is staying. I need to know what to do from here.
Consumer complaint received 2020-04-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

Some one hacked into my XXXX XXXX account and enrolled me into Zelle and withdrew {$500.00} from my XXXX XXXX  account the persons name that is listed on the transaction is XXXX   XXXX XXXX. I have never heard of XXXX  and did not know who they were. When I loged into my XXXX  account thats when i was hacked and someone had a virtual connection of my computer using XXXX  XXXX. This person XXXX XXXX stole {$500.00} from my XXXX XXXX  account using XXXX.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (UT)

Back in 2017 after the large security breach, I placed a security freeze through each of the 3 credit reporting companies - XXXX, XXXX, & Equifax. This was a long, tedious process but it was finally accomplished. With XXXX I had no trouble lifting the freeze. However, I am finding that trying to unfreeze the accounts through XXXX and Equifax has been not only hard but nearly impossible. I was given pin # s to use by XXXX and XXXX but NOT by Equifax when I was ready to lift the freeze. 

I have tried repeatedly to have my security freeze permanently removed from XXXX, using the pin # they sent me but it keeps giving me a security freeze error and then recommends that I call them at XXXX. This automated system does not give you the option of removing a freeze, only of placing a freeze or fraud alert and there is no capability of talking to a live person. I have also tried their site at experian.com/upload but keep getting the message that the documents are not loading. Although sending my information online has it's risks, I feel like sending all of my information through the mail feels like an even riskier option. 

As for Equifax, I do not know how to proceed since I can not find any paperwork they sent to me with a pin #, like the other two did. 

I would greatly appreciate your help with this problem. 

Thank you.
Consumer complaint received 2020-04-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (GA)

Predatory mortgage servicing : Specialized Loan Servicing is manufacturing a default on our mortgage by manipulating the escrow account. 
SLS recent analysis XXXX XX/XX/XXXX XXXX stated an escrow shortage of {$2800.00}, SLS has failed to manage our escrow account with safeguards in place to ensure there's enough money in our escrow account to cover our property taxes and insurance premiums. 
SLS has disbursed funds to us in XXXX and XXXX of overage funds in escrow account. 
Our home of 26 yrs. and we are on a fixed income is NOT able to pay {$2800.00} due to their unscrupulous service. 
We requested SLS to remove the escrow shortage due to their negligence in the amount of {$2800.00}.
Consumer complaint received 2018-02-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (TX)

I have fallen past due on my credit card a couple of months. I have been paying but not the full amount. I am only behind 1 month now and only for {$240.00}. Not a substantial amount but still behind. I have been receiving calls and voicemails daily, literally daily and that includes weekends. Have made payments to prevent myself from falling multiple months behind but I still get calls every day.
Consumer complaint received 2018-06-21
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: Westlake Services, LLC (NJ)

West lake financia had this item on my credit report as inaccurate. I have been disputung this item on my credit for 3 years now and they will not remove this negative item as not being my account. I have never purchased a vehicle using this company. The information that was presented was not my signature, address or do they have a copy of my license being submitted.
Consumer complaint received 2021-03-01
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (AR)

I have contacted Lakeview Loan on several occasions and have not received an answer regarding my PMI. 

I am trying to refinance my loan at a lower interest rate and a XXXX mortgage instead of XXXX. My house was just apraised at {$320000.00} and I owe {$120000.00}. Two different times my bank has requested a payoff statement, an additional charge or fee of {$26000.00} has been on it. It's labeled as PMI. No one has been able to tell me why that is on there and no one has taken it off. I have left messages with upper management and no return phone call.
Consumer complaint received 2018-02-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Collection Services, Inc. (Nevada) (OH)

I looked up my credit report on XXXX XXXX, saying that i owe {$50.00} to XXXX med center through Allied Collection Service. Not sure what this charge even is, the date goes all the way back to 2013! There is a hard hit on my credit for something i know nothing about and i just want it removed.I am willing to a pay a portion of it but not if they are just going to take the usual {$10.00} off because i feel that i do not even owe this money. I have received no information on this and have no idea what it is for and if its even mine. I know this company wants to get paid so they need to work with my needs not theirs. Statue of limitations in Nevada is 4 years, this needs to be removed from my credit once and for all.
Consumer complaint received 2018-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (NM)

I have a letter prepared, including all documentation, to support my complaint which I want to upload to your website. 

The complaint was previously submitted to the CFPB on XX/XX/XXXX and was received by the CFPB on XX/XX/XXXX which is also included in the documentation with a tracking document. 

The company I am filing this complaint against is Caliber Home Loans , Inc . The loan # is XXXX. The complaint concerns additional payments I made to my account for escrow which Caliber Home Loans claims their policy is to not accept additional escrow. However, Caliber did  accept additional escrow in the amount of {$100.00} to my account in XX/XX/XXXX. They refused to accept additional escrow of {$400.00} which I paid in XX/XX/XXXX claiming it is against their policy. There is nothing written in my loan agreement with Caliber that additional escrow is not allowed or accepted. They also would not return the additional escrow I paid until I requested an official escrow analysis although is evident on my XX/XX/XXXX statement that additional escrow was just setting in an account and not being applied to anything. 

My docs and letter are attached but I had to break them up into 4 separate files since your system only accepts 10 MB per file. 

XXXX XXXX
Consumer complaint received 2018-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (GA)

On XX/XX/XXXX I received a notice that my loan from Loan Depot was being transferred to another division. On the letter it stated my old loan number and my new loan number. the new loan number was the same as the old except for one less digit. I made my payment on time with the new loan number and to the address on the letter. 
On XX/XX/XXXX I received a call that I hadn't paid my mortgage. I checked with my bank and they showed it was received by Loandepot via ACH. When I told Loan Depot this and told them the account number they said I put the wrong account number on there and and they gave me another number. I was transferred back and forth from their XXXX XXXX office which is where the payment went to XXXX. The person at the XXXX  office saw that the problem was that someone at Loandepot had inadvertently put the wrong account number on the letter I received XX/XX/XXXX. She said she would take care of it. 
On XX/XX/XXXX I received an email stating they had called an weren't able to get in contact with me. I take my phone everywhere and there are no unanswered calls. I called the number on the email and they said they were see the payment but couldn't put it on the right account, which just seems XXXX. Loandepot has the payment, see where they made the error, but now they won't correct their error.

Loan Depot is acting in bad faith and not trying to help find my payment and they keep passing the buck around.
Consumer complaint received 2021-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have multiple accounts on my report that are not mine. I have no idea what these accounts are and where they came from. I am asking for them to be removed as they could be opened as a result of identity theft or a mistake by the credit bureaus. I have attached a copy of the ftc report and two forms of ID