davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SECURITY FINANCE CORP (TN)

My name is XXXX XXXX XXXX, a natural woman and consumer. I am submitting this complaint on my behalf without any influence from any third party or agency. It has come to my attention after reviewing my consumer report that Security Finance is furnishing an account XXXX opened XX/XX/XXXX as charged-off with a balance of {$560.00} and date last active XX/XX/XXXX ; which is a debt that has been discharged/cancelled as a tax write off. After contacting the IRS they explained that it was illegal for reporting of this information to my credit report without providing a 1099C-Cancellation of Debt. This is called tax fraud upon the IRS and I will be reporting such scheme. The IRS directed me to file form 3949a for illegal tax violations upon Security Finance company. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation. I demand Security Finance to remove this item from my consumer report and send the 1099-c so I can audit it to make sure you are in compliance. Security Finance violated the FCRA 15 USC 1681e ( b ) for reporting information thats not 100 % accurate as well as 15 USC 1681a ( 2 ) ( A ) ( i ) ( ii ) ( iii ) for information that's considered exclusion from consumer reporting. Security Finance is in violation of the FTC/GRAMM-LEACH-BLILEY ACT for furnishing my nonpublic information without my consent and giving me the material disclosure to opt-out of the sharing my nonpublic information to third parties. Security Finance is also in violation of 26 USC 6050P. Per HJR 192 Public Law 73-10, I am aware that every obligations shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. My family and I have suffered great financial burdens due to Security Finance reporting income as debt to my consumer report. This is a direct defamation of character. This is an attempt to correct the record and notice of this account is disputed and statements of account is requested.
Consumer complaint received 2021-01-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Experian has failed to keep accurate records on file for debt verification. My dispute process was started on the on XXXX XXXX by certified mail and recieved on the XXXX of XXXX XXXX, i received my results of my dispute on XX/XX/XXXX where as this information is still in accurate.
Consumer complaint received 2022-02-08
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. (AR)

The information being reported is incorrect and should be deleted and or updated : XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX  XXXX Account number XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXXXXXX XXXX XXXX  Account number XXXX XXXX XXXX Account number XXXXXXXX XXXX Account number XXXX
Consumer complaint received 2015-03-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

My name is XXXX XXXX, I am filling a complaint against Chase Home Mortgage for their miss treatment, and carelessness toward the homeowners. On Monday afternoon XXXX XXXX, 2015 I received a letter from Chase Home Mortgage stating my loan was being transferred to an entity XXXX starting XXXX XXXX I was in shock, stun overwhelmed, they do not give you any information of this entity, how can they expect the homeowner to make a mortgage payments when they notify you within days from your next mortgage payment. It is my belief they are doing this malice, deceitful practices against the homeowners in order for you to fall behind your mortgage payment as a result you lose your home. 

I have been with chase for several years, I did not request my loan to be transfer to this entity, I have the convenience of taking my mortgage payments directly to the branch assuring my payment gets posted and received. I call Chase Home Mortgage on Tuesday XXXX XXXX, 2015 advising them I was refusing to have my loan transferred to this XXXX entity and their respond was You Do Not Have Any Say So In Ths Matter " can you believe this ''. How is it possible for these banks who are serving our loan to transfer the loans without the home owner 's permission or acknowledgement this is clearly a violation and unfair practice against the home owners, if a homeowner request to stay with the servicer who is serving the loan it should be granted not denied. I am requesting investigation for the malice, scamming and deceitful ways. I request you put a stop to these transfer without the homeowners approval. 
Thank you XXXX XXXX
Consumer complaint received 2015-10-21
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (FL)

Three years in a row I 've tried to receive my credit report online. Never had issues with XXXX or XXXX. Equifax is the only one that repeatedly will not provide my free report online. I needed to dispute inaccuracies on my reports that are being shown on various websites. I did that through XXXX, and XXXX just fine. I go to file an online dispute with Equifax and was denied access due to my failing of verification questions. The same thing that happens each and every time I 've ever tried to receive my free report online. I have to wait weeks for it to come in the mail, if it shows up at all. Upon submission, the page comes up with an error message that says, " the information you provided does not match our records. '' Well, the questions they asked were pretty straight forward. 1. ) Mortgage loan. - Well I 've never owned a home. Obviously the answer is none of the above. 2. ) Monthly payment of above loan - Well I do n't have one. Obviously the answer is none of the above. 3. ) Address associated with my credit - I know where I 've lived. 4. ) Auto loan I just paid off last month - I know what bank I 've been paying each month for years. YET! It tells me that information is wrong. Simply due to clear inaccuracies of their " records '' and now being concerned about possible identity theft I phoned multiple times to receive another free report in which I 'm ENTITLED TO BY FEDERAL LAW. Spoke with numerous people, through numerous departments, with even a supervisor and they REFUSE to give me my free report. They 're very quick to offer to give me one if I pay for it though. This is fraud, and breaking federal law ; and I was very concise in explaining to them the laws they 're breaking. It 's clear their " records '' are incorrect, contain inaccuracies, or I would n't have failed the verification questions. If I have evidence they are reporting wrong information, their records are inaccurate, or am concerned about theft, it does n't matter if I received my free report nine months ago ; I am entitled to another one from their bureau. After doing research, it seems this is common practice with Equifax just to get people to purchase another report. I smell a class action lawsuit coming in the foreseeable future, which is why I " audio recorded '' their associates refusing to provide me my report unless I paid for it. Their online error messages suggest solutions, which are quickly denied upon contacting them. They are reporting false information, and refuse to provide me with the required information to be able to dispute it. THAT IS ILLEGAL!!!!
Consumer complaint received 2022-09-02
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: EQUIFAX, INC. (TX)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 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
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX I mailed a certified letters to XXXX XXXX demanding them to verify accounts by providing ME a signed copy of the original contract of the following accounts or remove them immediately. 
XXXX. XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX XXXX. 
Section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify through the physical verification of the original signed consumer contract. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my signature on it XXXX which have not been provided to me. Under the FCRA, if you can not provide me proof of this information, this must be removed immediately.
Consumer complaint received 2017-03-09
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: U.S. BANCORP (TX)

I received a text from this company saying they were US Bank and I was authorized a loan amount of {$9000.00}. All I needed to do was call his number. Well after what just happened to me I XXXX this info and got the actual bank finding out there was no branch within XXXX miles of this state we called the number conference call and questioned him as to the validity of his claims to being a member of this bank. He then got belligerent with myself and the actual loan officer of the real US Bank and hung up. He did not get money from me I have already closed my checking account do to the previous fraud so I am reporting an attempted fraud by this fraudulent company.
Consumer complaint received 2020-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (GA)

I had an alert about an ACH that was debited for {$49.00} forHud foreclosed. then XX/XX/2020 got another alert about another ACH. this was on XX/XX/2020, from some XXXX  that I never saw or knew about and put in an Unauthorized claim as this was at XXXX XXXX  at a time I am sleeping around XXXX XXXX. for {$79.00} for something that I don't know what this item is and never would buy online. I only use my CHIME for all local bill paying and shopping, and would never give out my Direct Deposit account information to. I only receive {$630.00} social security funds to this card and as I understand that anyone who tampers with Federal income funds can be prosecuted. I did not order anything from some XXXX  in Washington State or even California, and never will. I block all numbers from the western States as they are all criminal cartels there. I just want my money back as it has set my Mortgage back because of the overdraft it caused. Chime is responsible for any suspicious activity that is being sent to my accounts. I had cancelled the card and got a new card but have taken my direct deposit out of Chime and will close all business with Chime when I receive my UNAUTHORIZED ACH back from XXXX  which can't find any phone or customer service for. XXXX  is not found in XXXX and the phone number that the XXXX XXXX  gave me when I click on the number 2 option to talk to a representative, the phone hangs up and you can't talk to any live person and can't even verify who these people are. I did not ever order any service or item from them as I can't even find a number or address for them.
Consumer complaint received 2017-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (NY)

I enrolled into XXXX in XX/XX/2015. My financial aid advisor never told me about taking out any loans. I 'm on public assistance & I brought in my paperwork to them so they can figure out what would be covered. Now I 'm getting emails from Nelnet saying I owe them {$22000.00} which is impossible because I never took out a student loan.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (TX)

Allied Collections Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX This company is reporting a medical/dental bill on my credit reports that is not mine, I have had medical and dental insurance for over 15 years and do not owe any medical bills I tried contacting this fraud company and they refuse to remove this debt and provide proof that I signed anything even related to the original creditor XXXX XXXX. 
I have had the same dentist for 10 years and I know nothing about XXXX XXXX  or Allied Collections Services I disputed this with the Credit Bureau and this is still reporting to my credit and the company is not providing any information to prove this debt is mine, because there is no proof this debt is mot mine and I want it removed from all three Credit Bureau
Consumer complaint received 2017-02-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MI)

I have a discharged chap XXXX, and since that Ocwen Mortgage stopped reporting my payments, so now appears that I have no home loan, and no pay history, and my balance is not correct, they seem to not want to fix this, all I get is we will investigate well XXXX will be a year, it does n't take that long to investigate. All last year I made XXXX payments to them, my payment is only XXXX. This year so far making XXXX payments to try to pay them off quickly as possible. I need my credit report to reflect payments, and current bal, and that I am still paying them.
Consumer complaint received 2022-07-20
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), account # # # # # # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Consumer complaint received 2017-02-23
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Cottonwood Financial Ltd. (TX)

I was contact by a company claiming to be a process serving stating they were going to file a law suit against me and have be served with papers. When I instructed them that I had consolidation company handling this and they said the company could call them. I then asked for him to provide me in writing proof that I owe his company a debt. The gentleman I was talking to started to get irritated and I then said listen here XXXX. His next words were XXXX and he hung up. He stated the call was being recorded. This same company called a former employer of mine and left a message there stating they were a processor server and that I needed to call them back. The message even included a case number.
Consumer complaint received 2021-04-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc. (FL)

Hi, I have been trying to resolve an account since XX/XX/2021, original creditor is XXXX XXXX for the amount of {$5800.00}. I contacted the Bureaus on XX/XX/2021 and they sent me to XXXX. When contacting the lender XXXX XXXX XXXX  ( on XX/XX/2021 ), they couldn't provide accurate information about the account. However, on XX/XX/2021, XXXX XXXX, Collections Supervisor, offered me a settlement for the amount of {$3400.00}. When trying to pay this amount they sent me to the first lender, The Bureaus. I contacted XXXX XXXX, Operations Support Manager at the Bureaus Inc, and they claimed to not have knowledge of the account and sent me back to XXXX. Yesterday, I was contacted by XXXX. XXXX XXXX from XXXX offering me help with the account, but when I called back, they told me that I have to contact the Bureaus. They have been " playing this game '' since XX/XX/2021 when I first contacted XXXX XXXX XXXX. I am really concerned, worried and having XXXX  issues about this account and what could happen if both lenders keep avoiding responsibility and denying the account.
Consumer complaint received 2016-10-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NY)

I paid off my coop mortgage in full in XXXX 2016. I have been waiting for my original stock certificate, note, and security agreement. According to NYS law, these documents are to be delivered to me within 45 days of payment of the mortgage. I 've called Ditech, sent letters, etc., but only get roboletters in the mail stating that it is looking into the situation. Clearly, the documents are lost. I had to pay {$600.00} to get at least a replacement.
Consumer complaint received 2022-07-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AAA Collections (IA)

AAA Collection filed a small claims suit against me claiming to have sent several bills which I have never received. I appealed the judgement with the district court. They are claiming I owe XXXX XXXX XXXX and Hospital which I have never been a patient of ever. No proof or documentation has ever been provided to me thus far. There is no record with my signature NOTHING yet they are continuing small claims suit against me
Consumer complaint received 2017-02-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

The bank has been trying to foreclose on her apartment for the last six years. The first foreclosure was dismissed due to fact they had used XXXX the robo-signing attorney to try to steal the apartment and could not produce the original note. We have maintained the property over the last six years. We are the heirs to our daughter 's Estate. The case was refiled and was at issue. We were never served by the court my wife and I. We located the attorney ad litem that was supposed to defend our interest XXXX, XXXX, XXXX. XXXX, XXXX XXXX, FL XXXX XXXX. He referred us to XXXX XXXX XXXX, FL XXXX XXXX where we met with both attorneys. XXXX told us he could not defend us and recommended his friend XXXX. We asked XXXX our attorney ad litem to inform the court that we wanted to defend or position as heirs of the estate and he refused. Instead XXXX insisted we needed to hire his friend XXXX to represent us. When we failed to give XXXX or XXXX the business due to lack of funds. It seems XXXX took retaliatory action against us and got the trial moved to an earlier date then the original docket stated and allowed the court to foreclose on the apartment in XX/XX/XXXX for a XX/XX/XXXX sale date, knowing we wanted to defend our interest for the estate. XXXX also runs the XXXX out of his law offices and wanted to get the real estate sale business from this transaction. We are a XXXX year old retired couple with no home of our own living on social security. We are asking the CFBP to investigate this case stop the sale of the property and over-turn the foreclosure due to attorney mis-conduct and mis-representation. 
The bank claims it has been unable to contact us but has never tried. Wells Fargo has our phone number and email. We also met Wells Fargo legal team in court this month and they never reached out to make contact. It is not legal or fair lending practice to the Estate of XXXX XXXX that owns the mortgage to not have the right to bid on the property like the banks investor hedge fund did for {$460000.00}, when the property is worth {$250000.00} more. Essentially robbing the Estate of XXXX XXXX and its heirs and creditors of {$250000.00}. The property in question is still in the name of the Estate of XXXX XXXX and the bank has illegally entered the property. Changed the locks. Started remodeling. Pulled permits. On a property they have no legal right to open and enter. The apartment is not in the name of the bank or a new owner. They apartment is now being offered for sale by XXXX XXXX XXXX XXXX # : XXXX for {$720000.00}. The apartment is still in the name of the Estate of XXXX XXXX. The bank and the buyer have not been able to transfer title, do to its illegal actions. The Estate feels it is do all remedies available to it by law. Breaking and entering changing the locks without authorization of the Estate which still legally owns the property. They also remodeled the kitchen and bathrooms illegally. Please help the Estate of XXXX XXXX our deceased daughter.