davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, U S DEPT OF EDXXXX. 
Company Inquiries 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 2016-05-02
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: RoundPoint Mortgage Servicing LLC (TX)

The reported no payments were court ordered as the foreclosure process was illegal and invalidated the Promissory Note and Deed of Trust is inaccurate because the court ruled in our favor declaring the aforementioned actions as illegal and thus voiding the lien. I am requesting that the item be removed or updated to show paid in full to correct the information. 
Another part of the case involved the Mortgage Broker that was illegally brokering Mortgages without a license in the State of Texas through XXXX XXXX XXXX. The mortgage began XX/XX/2008 and involved XXXX lawsuits before final judgment was passed against XXXX XXXX XXXX XXXX in XXXX, Texas and their leaning to Accelerate the loan and all our possessions which is illegal in the State of Texas. Roundpoint Mortgage Servicers is the company, along with XXXX that put the pressure on us and refused to speak with me, the third person on the mortgage simply because it did n't fit their paperwork system. 
I have challenged this through the credit bureaus three times now and RoundPoint refuses to close this and wipe the slate clean. 
This is doing irreparable harm to me as a XXXX veteran health wise and financially.
Consumer complaint received 2018-03-16
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC (FL)

Daily I continue to receive phone calls from Sunrise Credit Services , INC on my work cell phone attempting to collect a debt. I have asked them repeatedly not to contact me during business hours ( XXXX M-F ) as this is an interference with my work. They still continue calling me multiple times a day during business hours with far less than pleasant attitudes. When I answer and ask again and inform them this is the 10th, 11th or 12th time I have requested that they refrain from contacting me during business hours, they get angry, hang up on me and call again. I have even warned them that I would be filing complaints with the Attorney General and CFPB if they did not stop. Today I have received more calls from them. This is becoming a huge issue with my work.
Consumer complaint received 2016-03-15
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (PA)

We are trying to request a short sale with Citi and they have not responded in over a month. All the requested items have been provided ( XXXX ) and we have an offer that meets the VA short sale required XXXX. I have been experiencing issues with Citi and their delayed responses.
Consumer complaint received 2016-08-12
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC. (TX)

I have paid this loan off with another creditor. Unfortunately during the time I was paying the loan off another company picked it up. I fax ed them the information before and they keep saying it is incorrect. The loan was through XXXX 's XXXX and I have already paid it off.
Consumer complaint received 2024-02-23
Product: Credit reporting 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. (MO)

I recently did an investigation on my credit report and found unverifiable, invalidated, inaccurate, and questionable items that Equifax didnt make 100 % correct. In accordance with the Fair Credit Reporting Act, everything reporting must be 100 % accurate on my credit report and under 15 U.S Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I am not liable for this debt with XXXX XXXX XXXX XXXX  account # XXXX and demand this debt be deleted.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Attached you will also find my ID, and Proof of Address with my most recent bill.
Consumer complaint received 2022-09-03
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. (CA)

This is the second time I am reporting this. I have been a victim of identity theft. Someone has stolen and fraudulently opened accounts under my name without my permission. The following accounts are a result of identity theft, and opened with a fraudulent application. 
XXXX XXXX XXXX Opened XX/XX/XXXX XXXX DEPT OF EDXXXX Opened XX/XX/XXXX {$340000.00} USDOE/XXXX Opened XX/XX/XXXX {$210000.00}. 
These accounts where not opened by me nor have I authorized anybody to one these accounts for me. I had a suspended license during the time this account with XXXX. I also could've never opened a student loan because I dropped out of high school. Please Block these accounts ASAP. Thank you!
Consumer complaint received 2015-09-11
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (GA)

I closed an account with Chase Bank several months ago. I left Chase Bank owing them approximately {$430.00} because I am unemployed and had some undiverted bills go through which overdrafted my account. I am a full time student and have been living on my student loans for about a year. I have been waiting on a student loan refund since Friday, XXXX XXXX. The refund was paid in the form of a wire transfer from XXXX ( student loan processor ) and it should have gone to my new checking account with a different bank. Unfortunately, the loan went to the old Chase account. Chase Bank informed me this morning that they deducted what I owed them from the wire transfer and sent the balance to me via U. S. mail but it was sent to my old address. Now I have to file an affidavit with Chase to put a stop payment on that check which will take 30 days. Then they can reissue another check. I first want to know did Chase Bank violate any federal rules concerning the ACH transfer by not returning it to its original sender? Also, did they violate my rights by deducting the debt from my student loan without my permission?
Consumer complaint received 2015-07-11
Product: Credit card — 
Issue: Sale of account — 
Company: CITIBANK, N.A. (WA)

Hi cfpb, I am not responsible for this debt to Home Depot, why is it on my report? I never had a credit card with Home Depot, my husband and his son did in 2007 and my husband closed the account due to his son not paying for this card like he said he would. His son should be held responsible for it not my husband who is legally XXXX in 2007 and had to close this account. 
I never signed anything with Home Depot or anyone else for that credit card. Not mine and should be removed from my report. Thank you.
Consumer complaint received 2019-02-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc. (MI)

I have contacted the company numerous times to update my checking account for the automatic withdraw payment. I have called used the chat feature on the app and emailed. I get put on hold for almost an house to get hung up on. The chat they dont respond for over 45 minutes. I then gdt contactes by XXXX who keeps telling me to call. I have called and i get put on hold. They don't speak English or they hang up on me. I have filed a XXXX complaint and Money lion lied in attempt to make me look bad. Stating I never contacted them. They keep trying to debit my old checking account resulting in overdrafts. My correct checking account is on file. They have it and blatantly refuse to update it.
Consumer complaint received 2018-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GATEWAY FIRST BANK (TX)

My wife and I bought a home in XX/XX/2017. When we closed on the property taxes were taken out and prorated for the upcoming year. However, the mortgage company raised out mortgage and collected for 2 years of taxes and increased our mortgage by over 1000k dollars making the home unaffordable for us. I have tried speaking with them and every time I speak with them I get a different answer. I'm looking for them to honor the agreement we had in place. to raise our mortgage payment by 1000 dollars unexpectedly puts us in a financial bond.
Consumer complaint received 2015-06-03
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

The californias check cashing in XXXX XXXX ca on XXXX XXXX XXXX XXXX XXXX..they call from XXXX and different random numbers past XXXX and multiple times a day and said they increased our debt and will continue to do so until we pay .I 've hung up they 've called right back and have call logs to prove it.I have verbally expressed in that my husband went on XXXX and we will make payments or pay in full when we can they refused payments and continue multiple calls per daywith intent to belittle its unprofessional and awful and I tell them the same thing every time the call over and over from different numbers .how can I make them stop.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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.

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 2015-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AL)

Equifax refused to allow a consumers statement against XXXX. 
they said because I already had a consumers complaint against another company they could n't accept another consumers statement. I also included a consumers statement about a year ago, but somehow it disappeared, against XXXX.
Consumer complaint received 2015-04-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC. (MI)

A company identifying themselves only as " Halstead Financial Services '', through robocalls from multiple numbers, listed below, with dates and times, is calling, and leave a message, transcript below. Attempts to contact them have been unsuccessful to date. 

The phone call is : " This message is solely intended. XXXX. NAME. If you are not. NAME. Please hang up now and disregard this message file number XXXX which was placed with Halston Financial Services has been escalated to our final review department due to a lack of a response from the required responded. XXXX full review of this file is being conducted by XXXX of our Loss Mitigation Specialist and a recommendation actions work line is a minute. In order for your personal statement to be included in this review press XXXX now to speak to the representative responsible for conducting this review or call XXXX XXXX XXXX XXXX immediately upon receipt of this message. Failure to respond will result in our recommendation being submitted to our client without your personal statement being included. " Dates, times, and phone XXXX - Flushing XXXX MI XXXX/XXXX/2015 XXXX - Flushing XXXX MI XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX
Consumer complaint received 2017-03-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Trident Asset Management, L.L.C. (MN)

I am currently trying to boost my credit score. I checked out my score on XXXX and I noticed that I have XXXX amounts of {$180.00} and {$90.00} in collections. I have not received anything that says I was supposed to pay something off. I noticed that it was from a company called Trident Asset Management. When I tried going to their website, none of the links work when I clicked on " make a payment ''. Here is the website : http : //www.tridentasset.com/ I continued to try and get a hold of them so I could potentially pay off this debt, or get some more information on it. I do not know what this debt is, and it concerns me that I can not even get a hold of a company who claims to have debt on me. Their phone numbers do not work. When you call, the machine tells you to press " 1 '' and it continues to repeat itself, never connecting you to a representative. Here are the phone numbers that I have tried that they claim is theirs : XXXX XXXX Here is the address they claim to be at : XXXX XXXX XXXX XXXX, XXXX , GA XXXX I have researched online and many people are having the same issue and do not know what to do. I 'm not sure if this is a reliable source, but this is what other people have to say about it : http : XXXX
Consumer complaint received 2017-02-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: R.M. Galicia, Inc. (CA)

Progressive Management -- Acct : XXXX This complaint is per your offices request I am sending you this formal complaint concerning and XXXX, XXXX, XXXX their business practices. 
These bureaus continue to report inaccurate information. I am formally remove this debt from my credit. 

In the years from XX/XX/XXXX-XX/XX/XXXX my identity was stolen. I discovered this because accounts were opened accounts in my name. I have seen where someone has continued to apply for credit in my name. 
It is possible that the thieves that committed the fraud. XX/XX/XXXX I filed a ID Theft Report copies were sent to XXXX major credit bureaus. I have sent the proper documentation to XXXX bureaus and the XXXX debt buyers
Consumer complaint received 2016-06-10
Product: Credit card — 
Issue: Billing disputes — 
Company: PNC Bank N.A. (IN)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2022-09-03
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: LEXISNEXIS (TX)

Submitted complaint to Lexis Nexis XX/XX/XXXX because it is reporting Public Record information that it purchased from XXXX, a system of record used by the bankruptcy court. On XX/XX/XXXX, it provided a letter stating the information was " verified '' because it the information still shows in XXXX. Lexis Nexis has failed to contact the originator of the information to verify the information. XXXX  is not the originator of the information, the Court of Record is. Lexis Nexis continues to violate my rights protected under The Privacy Act of XXXX and the Fair Credit Reporting Act.by reporting inaccurate and derogatory information about consumers, failing to maintain policies to ensure the accuracy of the information they report and failing to properly investigate disputes.
Consumer complaint received 2015-10-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Medical Business Bureau (FL)

In XXXX of 2012 my identification mainly my social security card and Florida ID card was lost or stolen from my handbag and a sequence of accounts were open and checks cashed in my name. As soon as this was realized, I filed a police report ( see attached ). This account is unknown and was not opened by me.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2022-09-03
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. (CA)

The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
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 2022-09-03
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: Credit Karma (AR)

On XX/XX/2022 I found out that credit karma was being sued for the pre approved credit card and has to give the consumer money from the settlement and I remember applying for a pre approved and got denied. I'm not sure if any of this helps but I seen they were getting sued. I wanted to file a complaint about them. If you need any questions you can email me at XXXX or my number is XXXX thank you.
Consumer complaint received 2016-05-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC (CA)

On XXXX/XXXX/16 Seneca Mortgage Servicing debited our escrow account in the amount of {$3900.00} to pay property taxes. On XXXX/XXXX/16 we refinanced and paid our loan in full. We also made a payment of our property taxes at that time. I contacted Seneca Mortgage at the time of the refinance and was told that the escrow money debited for property taxes would be refunded to us. On XXXX/XXXX/16, I contacted Seneca because we had not received the refund of the money debited from our account. I was told that Seneca could not reimburse us until the property taxes had been paid to the county and the county rejected the property taxes as a duplicate payment. I was told Seneca would submit payment to the county on XXXX/XXXX/16 and that the entire process should be completed and the money refunded to us by XX/XX/XXXX. Today is XXXX XXXX. I contacted Seneca for a status update because we still have not been refunded the money. I was told that the county did reject the money and return it to Seneca on XXXX/XXXX/16. When I asked why it has not been returned to us, I was given the run around and told that it will be a minimum of 15 more days before Seneca will issue a refund check. I have requested an expedite but Seneca is unwilling to do anything. They have been holding {$3900.00} since XXXX/XXXX/16 on a closed account despite repeated requests for reimbursement.
Consumer complaint received 2016-10-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (FL)

Roundpoint Mortgage Servicing Corporation services my XXXX XXXX XXXX Mortgage, and converts without my permission, my regular payment into 'principal curtailment '. This requires that I have to make an extra payment to prevent late fees from occurring because I sent in my XXXX payment ( with no add'l principal ) early. This has occurred twice in the last four or five months.