davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-25
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

On XX/XX/2018 I filed a complaint against Equifax with the XXXX XXXX XXXX for Georgia. Then on XX/XX/2018 the Georgia XXXX   XXXX XXXX XXXX XXXX XXXX, under the direction of the XXXX  XXXX XXXX 's office notified one " XXXX XXXX '' with Equifax to contact me to resolve a very serious issue. The reference file number for this case is XXXX What this all boils down to is this. 

After the massive hack that Equifax suffered I decided that I wanted Equifax to purge my personal data, especially my social security number from the Equifax database. Not only has XXXX XXXX not contacted me as of today XX/XX/2018 but I did get to speak with a Equifax customer service representative who informed me that Equifax lacks the technology to remove my name from their database. That statement should bring action from both your agency and the Federal Trade Commission for the following reasons : 1. Equifax has been contacted by me and Georgia XXXX  XXXX XXXX XXXX XXXX XXXX to address this issue. Equifax may be worth billions of dollars but, Equifax to the best of my knowledge can not violate my rights to privacy and in this case I have formally requested Equifax purge my data from their database. 

2. When the customer service representative told me on the phone that Equifax does not have the capability to remove me from their database then I sincerely feel the Federal government needs to launch an investigation into Equifax because as someone who has actually designed databases I can assure you that removing a consumer from one 's database and then flagging that person 's record so it is not again populated is a very simple task. The representative from Equifax either lied to me, or Equifax does not have the simple technical capability to manage their own database. 

XXXX XXXX 's business contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX   XXXX Equifax XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2020-08-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY (MA)

In XX/XX/2018 I approached TD Bank for a refinance loan, the cost was {$7000.00}, upon closing, there was an additional {$20000.00} ask for on that day. 

The manager collected the funds from my account. 

In order to get this loan, I was told to get another address after they came to value the house twice. 

Upon closing the documents could not be had for months.
Consumer complaint received 2018-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Navient Solutions, LLC. (CA)

On XX/XX/XXXX Navient automatically put me in a forbearance which I did not request and did not have any knowledge l. On XX/XX/XXXX, my credit report went down 40 points due to interests capitalized to amount with the interest amount going up of {$300.00}. I requestsd to have my forbearance lifted off and add will pay my amount. Navient agent advised its too late since it's already been reported to credit companies and just pay the remainder balance and they will report PAID.
Consumer complaint received 2018-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX, I was approved for a permanent loan modification. I was required to pay XXXX PER A MONTH starting XX/XX/XXXX. Everything was going great, until XX/XX/XXXX, when LO AND BEHOLD, Chase Bank sends me a bill showing that I am over {$11000.00} in arrear on my payments. 

When I called to receive the answer, the woman stated I did not pay XX/XX/XXXX XX/XX/XXXX. AND XX/XX/XXXX. 
This is totally false. I am enclosing all of my bank statements showing that my payments were withdrawn directly from my account, and that NONE of my payments were returned NSF as she indicated. 
I am also enclosing copies of all of my mortgage statements showing that NOT ONE mortgage statement shows that I am past due any money.

Finally, if I am approved for a loan modification as I was back in XX/XX/XXXX, I should have nothing that I owe Chase Bank because all arrears are added back to the mortgage. 

This is A HUGE ERROR. I am very, very concerned.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

TransUnion is notorious for not processing disputes. I spoke to XXXX XXXX a supervisor at TransUnion around XXXX XXXX XXXX  on XX/XX/2024 She refused to process my letters and or do a investigation pertaining to my case. 

I identify myself as XXXX XXXX XXXX XXXX the XXXX who send in my disputes again she refused to process it because she believed it was a credit repair company providing aid. 

This is against the law to deny me of a investigation. 


See documents below
Consumer complaint received 2021-03-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Recovery Systems, Ltd (MO)

XXXX XXXX of illinios continues to sell debt not owed. Which is illegal and having been doing so for years bringing my credit down. In documentation i have provided a statement of payment in full due to all my medical debt due in the time of XXXX processed by XXXX  XXXX XXXX XXXX. This issue continues from XXXX XXXX to Nationwide Recovery systems, I have contacted All 3 credit Bureaus about this matter thru multiple letters an disputes. I am prepared to seek max penalty for these fraudulent charges holding me back in life if not properly handed
Consumer complaint received 2018-02-25
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc. (OR)

I receive calls from this company every non-holiday day during the week, sometime multiple times. They use several different number from the XXXX area-code and never leave a message when calling. I have called before, twice, and asked Diversified consultants to stop calling me. The last time I called I was told, " You owe us money and we have every right to collect. ''
Consumer complaint received 2023-01-18
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. (TX)

I recently sent a complaint to CFPB on XX/XX/23 about inaccuracies on my credit report with Transunion under Complaint ID XXXX. They have yet to respond to the complaint that has been issued. They are now in violation according to the Fair Credit Reporting Act. In accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau , I request that you immediately delete this information from my credit reports. 

US DEPT. OF Education / XXXX  / Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX / Account # XXXX Please send me a copy of my updated credit report as soon as the above has been completed.
Consumer complaint received 2022-04-02
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXX account # XXXX, 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
Consumer complaint received 2018-02-25
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 — Problem with personal statement of dispute
Company: Ad Astra Recovery Services Inc (TN)

I have asked several times for AD Astra to validate an alledged debt and they have not. I have requested a SIGNED contract with them or the original creditor and I have not recieved either. I have requested them to provide me with documentation that proves that I have any legal obligation to pay them. They are continuing to ignore the law. AD Astra has 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. This is the last attempt to validate this alledged debt. 

I am requesting A WET INK SIGNATURE, NOT A COMPUTER GENERATED SIGNATURE. If that can not be provided this accounts needs to be deleted.
Consumer complaint received 2018-06-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ABR Recovery Services LLC. (CA)

ABR Recovery Services LLC has reported a 2nd account for collection to XXXX   recently which has incorrect information and has not be submitted to me in writing. This account is being reported as being opened XX/XX/XXXX which is not correct. It also is showing a date of XX/XX/XXXX as the date of 1st delinquency, which is also not correct. With a balance amount of {$1200.00}. This debt is being falsely reported to XXXX  in an attempt to collect a debt that I am not liable for. It is being reported the original creditor as XXXX, with incorrect information.
Consumer complaint received 2019-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

NewRez recently took over XXXX XXXX. They did an escrow analysis on XX/XX/XXXX, and I had a surplus of {$1100.00} which they sent me a check for. However, in that same analysis, they increased my payment from {$1700.00} to {$1800.00}. That made no sense, but I accepted this. Then, not even a month later, they did another escrow analysis on XX/XX/XXXX in which they stated my monthly PMI payment of {$80.00} which they always have and is the correct, normal amount. But then they also have a new " USDA Rural Housing '' line that is a 1-time payment in XX/XX/XXXX for {$970.00}. I have a USDA loan, but I have no annual item due to them, only the monthly PMI. If you were to divide $ XXXX/12 months, you would find that the answer is {$80.00}, which is my monthly PMI. So they are anticipating my PMI on a monthly basis, then charging my escrow account once per annum, in affect anticipating it twice. This caused a shortage, of course, and my payment has jumped to {$1900.00} when NOTHING has changed. So for 2 months ( XXXX and XXXX ) I've paid an overage of {$120.00}. I called NewRez 4 times over the past 3 months to get another analysis done because they made an error, and I was told several answers : It was part of my property tax ( incorrect ), it was part of a USDA tax ( no such thing ), I was told it would be done within a week and that person would call me to follow up ( that never happened, nor did I receive a call ), and I also got forwarded to a supervisor at my request which went straight to a voicemail that was full and couldn't receive messaged and then hung up on. This was after waiting 45min for the customer service rep to answer in the first place. This company is awful and should not be able to hold my money XXXX for months ( or a year ) at a time for their mistake
Consumer complaint received 2023-06-13
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. (NC)

I have a detailed letter on what is wrong on my credit report and the credit bueraus are ignoring my request and nothing is getting done. I aslo do not want you the CFPB to deny my request and tell me I can't dispute this another time. I have the right to do so
Consumer complaint received 2020-07-17
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-07-17
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. (CA)

I received a copy of my credit report on or around XX/XX/2020. I noticed many items on my credit report that was not correct. 

The following accounts : US DEPT ED Account # XXXX DEPTEDXXXX Account # XXXX I submitted a dispute with all three bureaus specifically regarding two reporting of student loans. The accounts were reported as a charge off with a balance. I uniformed the three bureaus that the information displayed was not accurate and to remove from my report. I disputed with all three bureaus on the follwing dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. Each time receiving a quick response of being verified. I requested that they inform me of where they verified the informartion, but was unsuccessful at receiving that information. I filed a complaint with the Attorney General and they took the dates I provided and said they conducted investigations on the dates I provided and they will contact the bureaus. I waited a month to get additional feedback and have not received it. This information is not accurate and is affecting my life. I have asked several times that my credit profile be updated and removed from my report and seem to just receive more automated reponses.
Consumer complaint received 2018-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc (FL)

Hunter Warfield and its representatives are attempting to collect an account for which I didn't sign a lease. Hunter Warfield contacted me about collecting a debt that I don't have any responsibility for. If there is reason to believe that I am responsible for this debt mail me documentation with my wet signature that I have entered into a contract with Hunter Warfield and its representatives who are attempting to collect an account for which I didn't sign a lease. I never entered into an agreement via a signed a contract with Hunter Warfield and I do not owe for this debt. I request that all other communications with me and with this address cease and a record entered that I dispute having any obligation for this debt. If Hunter Warfield stops collection of this debt and forwards or returns it to another company, please indicate to them that it is a disputed debt. If this debt is reported or has already been reported to the credit bureau, also report that the debt is disputed.
Consumer complaint received 2018-06-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (NC)

i have tried to get these two collections off of my credit bureau report through all 3. They are very old. XXXX and XXXX.one of  the companies are no longer in business and XXXX XXXX XXXX is still trying to collect for {$120.00} and XXXX XXXX XXXX is not in business anymore. 

XXXX XXXX service is an old account for {$120.00} and has been paid. They will not take it off. Its old from XXXX. Actually 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (SC)

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! Equifax, XXXX XXXX XXXX need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (ID)

Credit Card company : XXXX XXXX XXXX  ACCOUNT # : XXXX DATE OF REPORTING : XX/XX/2020 Reported me deliquent 30 days for XX/XX/2020 due to an ongoing scheduled maintenance which unfortunately resulted in zero access to the account between dates of XX/XX/XXXX - XX/XX/2020. Which was 1. Not notified of such scheduled maintenance 2. Unable to access account through online portal or with customer service. 

3. Payment was not recorded on XX/XX/2020 of {$1300.00}. 

4. Payment should have reported to credit bureaus on before XX/XX/2020 Please see attached screenshots of the results of the occurences. 

Please as a courtesy I ask the credit bureaus to make the update to the credit agencies to all 3 bureaus : XXXX EQUIFAX AND XXXX So the dleiquency is removed from the reporting for XX/XX/2020 and shown as " CURRENT '' or " Pays as agrees ''. I have a letter directly from the creditor to have this information ammended directly. 

I appreciate that this be marked as urgent due to repercussions and impact this has had on my credit.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

report in accurate information says i had late payments XXXX and XXXX of XXXX & a repo in XXXX of XXXX. This is incorrect and wrong If you can see on my bank statements i have paid for XXXX in the XXXX statement I paid $ XXXX on XX/XX/XXXX and I paid $ XXXX, for XXXX on the XXXX of XXXX and XXXX i paid for that on the XXXX of XX/XX/XXXX I paid $ XXXX.
Consumer complaint received 2021-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (TX)

During the months of XXXX, XXXX, and XX/XX/2020 I requested LexisNexis to place a security freeze on my account. 

On or about XX/XX/2020, the credit bureaus notified me that the inaccurate information being reported in my files were validated by LexusNexis. 

LexisNexis continues to furnish inaccurate information to XXXX, XXXX, and XXXX. 

In XX/XX/2020, I called LexisNexis and a senior rep advised me that they have no file matching my personal information I provided. When I hold them what the bureaus said, I was advised that all LexisNexis does is provide a data load file to these bureaus and the bureaus are the ones incorrectly matching accounts. 

LexisNexis claims to also have no relationship with the bureaus even after admitting they send a file monthly to them. 

The three bureaus further communicated with me that they went directly to the federal bankruptcy courts to verify and validate the reported items. 

In XXXX I contacted the federal courts bad the clerk advised that the fourths do not verify or validate any personal information with LexisNexis or the bureaus. 

At this point someone is lying and furnishing inaccurate information.
Consumer complaint received 2019-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (CA)

I was notified on XX/XX/XXXX that an account was added with collections for a debt of XXXX by XXXX and sent to Diversified ADJ SVC to Collection Department with a Account Number XXXX. That account or debt does not belong to me. I have been a victim of fraud or identity theft, I already have an alert in the credit companies for fraud alert since XX/XX/XXXX. I need you to please verify all that fraudulent information.
Consumer complaint received 2019-10-02
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. (CA)

Today XX/XX/19 I was made aware of two accounts on my credit report that do not belong to me. The account names are XXXX  XXXX XXXX and XXXX. Neither of those accounts belongs to me. I did not open them and I never gave anyone permission to open an account in my name. I am still trying to figure out who is responsible for stealing my personal information to open these accounts but for now, I have filed a police report. I never made any payments or purchases related to these accounts nor did I ever gain anything as a result of those accounts that were opened in my name. I am willing to work with law enforcement to get this resolved.
Consumer complaint received 2019-05-23
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: EOS Holdings, Inc. (MA)

This company claims that I have a balance of {$260.00} with them, I don't know who they are or what it is that this company does. I searched online for some information on them and it says that they collect debts. I sent a letter to them asking them to validate this debt because I do not recognize where this debt came from and all that this company sent me is a bill with the amount that they claim that I owe to them. I asked for documents that would show an original contract with my signature or something that binds me to this debt but up to this day I have not received anything like that from them. This company placed this debt on my credit report as in collections and it is affecting my credit worthiness really bad. I know that by law they have to provide me with a contract that has my signature on it. On the bill it shows XXXX XXXX as the original creditor but I never had an account or a contract with them.