davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-03
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: Experian Information Solutions Inc. (FL)

I checked my credit report and somebody applied a credit card from XXXX  XXXX XXXX on XXXX XXXX and made a credit enquiry that I did not do. I also receive a mail from XXXX on XXXX XXXX stating my credit card application wasnt approved. Which I did not make any application.
Consumer complaint received 2020-10-22
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (CA)

Caliber sold my loan to another company who is telling me theyre going to change my rates and they will refuse to do a refinance I had a refinance scheduled for a Thursday shelter in place started on Tuesday on Wednesday they called me and told me I could not meet in the office to sign the paperwork on my refinance and not to worry everything would be SS in place as soon as we were able to meet again in front of a notary and sign the new documents in the meantime I did do a forbearance with caliber and then I received notices that were over three months old that they had sold my loan not given a proper mailing address to the other company or utilize my proper mailing address the new company Then told me that they didnt have my information updated even though my loan would be officially theres that week but they were several weeks behind in processing that I would have to wait for them to update their system and then the meantime my forbearance had ended early according to them the payment will be due but they could not even except it because I was not in their system. I contacted caliber they directed me to the site to file a complaint but I dont think they realize my complaint is also against them Ill be filing a separate complaint against the new company as soon as they send me further information on who they even are.
Consumer complaint received 2022-05-03
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX  XXXX  Account # 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 an account without my written instructions.
Consumer complaint received 2019-03-16
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. (VA)

Have a collection on my Equifax credit report from XXXX XXXX. This bill has been paid directly to my physician 's office, and I was told that this balance brings my account current, and that nothing has been submitted to collections. I have never received a collection letter or phone call, plus I have no signed agreement with XXXX XXXX stating that I owe them money, and I am not going to write someone out a check with no agreement in place, otherwise I could just say that you owe me money, and if you say " no, I don't '', then I could put a collection on your credit report. I don't think it is suppose to work this way. I have tried numerous times to file a dispute, and Equifax refuses to correct this mistake. In fact, I get their " dispute has been completed '' e-mail within just a few hours of submitting a dispute, so how are they even taking the time to look into this? This collection is only for twenty-couple dollars, so believe me, if I thought I owed it, I would pay it!
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AZ)

I have a so-called medical debt that was due to COVID-19 and when I try to dispute it, it tells me Ive already and it wont let me explain that it was due to Covid. And when I try to call them I get caught in a XXXX XXXX and then hung up on.
Consumer complaint received 2022-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, 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. XXXX XXXX  XXXX XXXX  Account # XXXX, has violated my rights. DEPT OF ED/XXXX  Account # XXXX, has violated my rights. XXXX  XXXX Account # XXXX, has violated my rights. XXXX XXXX Account # 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 2020-10-22
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: LEXISNEXIS (GA)

There has been a breach in my personal information in the world wide web causing that accounts be opened with out my consent, these fraudulent accounts needs to be removed from my file immediately, I have already contact the creditor and they ask me to fill out an FTC report which is attached.
Consumer complaint received 2020-09-22
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Frontline Asset Strategies, LLC (CT)

I received a threatening email from Frontline Asset Strategies. Threatening to sue me/and or send my account to someone who will if I dont pay an alleged amount owed. 
They referenced account # XXXX from an XXXX XXXX. I have been contacted by FAS previously, they have not described what the debt is for or if it mine. They are threatening to sue if I dont pay by a certain date.
Consumer complaint received 2022-05-03
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: Experian Information Solutions Inc. (MO)

In accordance with the Fair Credit Reporting act XXXX Account # 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. The following accounts listed as inquiries on my report were not made by me. 

CREDITOR NAME : XXXX  INQUIRY DATE : XX/XX/XXXX CREDITOR NAME : XXXX  XXXX INQUIRY DATE : XX/XX/XXXX CREDITOR NAME : XXXX XXXX OF INQUIRY DATE : XX/XX/XXXX CREDITOR NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX CREDITOR NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX CREDITOR NAME : XXXX  XXXX INQUIRY DATE : XX/XX/XXXX CREDITOR NAME : XXXX/XXXX  INQUIRY XXXX : XX/XX/XXXX
Consumer complaint received 2022-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions.
Consumer complaint received 2022-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (NV)

Data and information for the last 6 months has not been updated/accurate. We have spoken to several HUD Counselors as well as CMG Financial Agents. They said our forbearance date is in the end of XXXX! I am getting emails/letters requesting for mortgage collections. 
I have also attached a letter from XXXX that information is also incorrect with the crediting companies and still has not been followed-up or rectified. This is really ongoing frustrating issue! Please connect me with an executive case manager. 
The letter states that they have been unable to reach me which is not true, I have not recieved any phone calls at all.
Consumer complaint received 2020-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Your help would be very much appreciated. 

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
Consumer complaint received 2024-03-07
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. (GA)

I am writing to inform you that I have been a victim of identity theft, and I have taken the necessary steps to address the situation promptly. I have filed a police report and an identity theft report supporting the negative auto loan XXXX XXXX entry on my consumer report.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MI)

On or around XXXX XX/XX/2024 I filed CFPB complaint XXXX against Equifax. The claim outlined the irregularities in the information reported for a XXXX XXXX and requested relief. The relief requested was specific : a ) placement of a XXXXword statement in my credit file for the account/tradeline ; b ) deletion of data that was false/misleading/inaccurate for the account/tradeline ; c ) block of XXXX from inserting new and/or further information for the account/tradeline. The instructions stated that the XXXX-word statement " may be removed IF AND ONLY IF [ the enumerated actions ] ha [ d ] been executed. '' The instructions for the XXXX-word statement where provided both in the body of the CFPB complaint and in the more-comprehensive documentation attached to XXXX. On XXXX XX/XX/2024 Equifax responded alleging they'd conducted an investigation and provided " relief. '' They alleged that " review [ of ] the complaint, relevant documents, and complet [ ion ] [ of ] an investigation where applicable, '' constituted non-monetary relief. I requested relief that included placement of a XXXX-word statement on my credit file which was to remain until/unless all the information I alleged was false/misleading/inaccurate for the account/tradeline was removed and XXXX was blocked from reinserting such information. In their response Equifax plainly stated " THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE PRIOR PAYING HISTORY IS BEING REPORTED CORRECTLY. " Equifax has not placed the XXXX-word statement in my credit file and continues to persist the information it, and XXXX, know or have reasonable cause to believe is false/misleading/incorrect/inaccurate/incomplete. Equifax 's own response states they reviewed the documentation I provided, which means the were aware I'd requested the XXXX-word statement to be placed in my files. Yet, they refused to do such. That is a clear violation of Section 611 ( b ) of the FCRA.
Consumer complaint received 2021-06-25
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. (FL)

I submitted a complaint on XX/XX/XXXX with the cfpb against Transunion in regards to incorrect lates on my credit report. They went in and added more! My credit report is even more inaccurate. 

XXXX XXXX I was never late on XX/XX/XXXX XXXX XXXX I was never late XX/XX/XXXX XXXX  Have never done business with a company Dept of Ed/XXXX Account was in forbearance and is in good standing but reporting with lates. XXXX XXXX XXXX XXXX Never validated XXXX XXXX I was never late XX/XX/XXXX this is a closed account and was a bank error! XXXX XXXX - This account has been up to date for over 9 years and they won't respond to my request to update it.
Consumer complaint received 2020-10-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (GA)

I rented an apartment from a company called XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. When the year was up I decided to move on and was in communication with management on the issues I was having and complaints I had made which was due to my vehicles being broken into and other complaint on which I can provide videos, photos and other evidence to prove my complaints and issues. This was supposed to be a gated community and gates only work 2 months while I was there. They also had a maintenance person that was arrested for theft and breaking into vehicle that lived on site. So I really had no choice but to move. In my process of moving they were having management and staff changes and I had made several attempts to turn my keys in. During the month of XXXX. I also made several calls that I have records of to one of the new managers that was going to receive my keys which was not in on these days that we agreed on. I was never late on my rent. and they kept my security deposit for no reason. Which the manager couldn't keep her appointments or meet with me at times that she agreed. It has almost been a year now sense I moved out and now they state that I owe them {$1200.00} Which I have no clue or idea where that's coming from. Someone has obviously made some kind of mistake.This company infact owes me my security deposit of {$1200.00} Which I would like to retrieve. Since the Covid-19 and me living over an hour away Its been very difficult for to try and take to court. XX/XX/XXXX. Hunter Warfield put a collection on my credit report. Which I would like proof and records showing that I owe this  amount. I purchased a home in XX/XX/XXXX. The same month on my lease ended. Which they were aware of as well. I had moved out that same month which I have proof of. So that couldn't be possible. This was all based on XXXX XXXX XXXX negligence and failing to meet me to turn in the key because no one was ever in the office. I would like this collection remove from my credit report immediately because its inaccurate information and I do not owe anything to this company. Infact, they owe me a security deposit which I can provide proof of. What ever information Hunter Warfield has is incorrect and I would like a copy all records and my leasing agreement my departure time  and all other pertinent information as well. So I can turn it over to my attorney.
Consumer complaint received 2022-05-03
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: Experian Information Solutions Inc. (FL)

Im accordance with the Fait Credit Reporting act 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 an account without my written instructions.
Consumer complaint received 2020-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (GA)

Our loan has been sold many times over the last 15 plus years. For a few of those years Specialized Loan Servicing owned the mortgage loan and they never paid the property taxes out of our escrow account. XX/XX/2019 another loan servicing company took over the loan. So now XXXX XXXX XXXX XXXX has our loan. Both companies are refusing to pay the back taxes owed. I have contacted Specialized Loan Servicing back in 2019 and they said it's not their problem as our loan was being packaged out to another servicer and that it was not their problem anymore to pay it. They said we were responsible for this now. We did what we were supposed to do, we paid the payment. But Specialized Loan Servicing did not do what they were supposed to do and pay the property taxes. The county is about to put our house up for auction due to non payment of property taxes. Both loan servicers have been contacted about this. Specialized Loan Servicing was contacted via certified letter in XXXX of 2019 via the advice of a local attorney.
Consumer complaint received 2021-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (VA)

It came to my attention that my mortgage loan servicer ( BSI Financial Services ) failed to pay the real estate taxes when they were due at the end of 2020. I received a notice from my local tax authority ( on XX/XX/XXXX or XXXX ) informing me of the delinquency, at which point I immediately called and reported the issue to BSI Financial Services. They looked at the records and confirmed that the money for real estate taxes was never disbursed from the escrow account. They claimed they would resolve the issue. I have called BSI Financial Services every week to check on the progress, but after nearly a month of informing BSI Financial Services of the issue, they have failed to pay the overdue real estate taxes.
Consumer complaint received 2020-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc. (AZ)

On XX/XX/2020, I sent a letter to Progressive Management. This collection agency is reporting a medical debt that is not mine. They are also increasing the balance on my credit report every month and this is illegal. I requested signed medical documents for this debt. On XX/XX/2020, they replied that they need me to send a copy of my driver 's license and a copy off a Fraud report. 

As you can see, I ask this company for debt verification and they want my identification?. 
Why will I provide my identification to a collection agency when O am the one asking them to send me signed verification documents for a debt that they are reporting that does not belong to me?. 

On XX/XX/2020 I replied to their letter, I wrote an Affidavit as they requested and to this day, the company has not replied.
Consumer complaint received 2018-11-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Genesis Financial & Payment Systems Holdings, LLC (TX)

XX/XX/2012, the person at this number called my job. Call center at my job answered. The person told the operator that they were talking to me and got disconnected. The operator placed this person on hold and call me. He stated the person on the phone stated they were talking to me and got disconnected. The person side their name was XXXX. He placed me on hold the get more information. He returned to the line and stated the person was rude. I told the operator to transfer this person to me. I accepted the call the person stated, I knew you knew I was. I stated I did not. Person asked if my name was XXXX XXXX and said yes. The person if stay the address which he or she repeated and no because was not my address. They proceed to say you know I am and why am calling and I stated I do not. After this person got very rude at which I told them I dont know who they and please do called my job again. And they did, I would call the police report for harassment and hung up the phone. About five minutes later my husband called asking me if I know someone named XXXX and that he needed to contact me and have me give them a call. He stated that person read off several other people phone numbers that had which was my mother-in-law, my daughter, and a relative. 

I googled the number and is listed to XXXX XXXX XXXX. I have not applied for anything from this company. About two months my identity was stolen. I discovered this when I received an email from XXXX XXXX stating two computers had been shipped. I filed a police report and have been in the process of making sure I am reviewing my credit reports and notifying my credit card company and bank. So I dont know if this is someone using my information.
Consumer complaint received 2021-06-24
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. (OH)

he account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : I also seen TWO DIFFERENT SOCIAL SECURITY NUMBERS on my reporXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX