davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-06
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Peer Advisors, LLC (CA)

Reverse mortgage servicer Celink filed an illegal notice of default and foreclosure, without any cause or notice, and I would like it removed, along with all of the unjustified attorney and filing fees. No payments were behind or due. Celink was promptly notified by me, the executor, and by the probate attorney, that the homeowner, my XXXX XXXX  on XX/XX/XXXX and that the heirs intended to sell the house as soon as the damage to the house was fixed. Later Celink said that was the reason they filed the foreclosure notice on XX/XX/XXXX was because they were not notified of the death and the intent to sell the house. I have proof, which I have shown them, that they were promptly notified and they even responded. Celink required that the house could not be sold until repairs were made ( see attached email ) and yet Celink refused to forward the insurance checks that were sent to pay for those repairs. Their unfair business practices are responsible for any delays in selling the house ( which is on the market ). I believe this foreclosure filing is an attempt to take the house illegally and sell it at auction for their own gain. Please see the attached documents
Consumer complaint received 2017-08-10
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. (MI)

I had a 90 fraud alert put on my credit report due to some unauthorized hard inquires in the past few months. I have reached out to the furnisher 's and informed them of the situation and most if not all have sent a response. I have collected them in order for the credit reporting agencies to act swiftly in this regard.
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (CA)

Equifax mishandled my personal information, including but not limited to my Social Security Number, address, and birth-date. They not only allowed a data breach of over 143 million consumers information around XX/XX/XXXXand XX/XX/XXXXof 2017, they neglected to inform parties until nearly six months later, leaving them vulnerable to fraud and identity theft while potentially using that information to conduct insider trading. I had to find this information out without any notice from Equifax on the " Potential Impact '' portion of their website www.equifaxsecurity2017.com. This negligence of proper security protocols in handling consumer information and the unethical actions of Equifax thereafter is unacceptable and needs rectification.
Consumer complaint received 2015-04-13
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

I was approved for offered and accepted Department of Justice Attorney General Modification trial modification term by XXXX XXXX XXXX who subsequently after successful completion of 2 months of the 3 month trial sold and transferred my loan in question to BSI Financial Services as the new servicer. As stipulated the DOJ Attorney General Settlement Consent Judgement in exhibit A section M Transfer of Services of Loans Pending for Permanent Loan Modification pages XXXX and XXXX, and as agreed and confirmed by BOTH XXXX XXXX XXXX and new servicer BSI Financial Services it is mandated and agreed that " Servicer shall ensure that it will accept and continue to process pending loan modification requests .... and that it WILL HONOR TRIAL AND PERMANENT loan modification agreements entered inot by the prior servicer. It has been agreed and confirmedby BSI representatives that my required trial was completed with my XX/XX/XXXX payment. It was further confirmed in a XX/XX/XXXX email from BSI that they would honor my completed trial plan and move my loan to permanent resolution of a permanent DOJ Settlement modification adhering to the terms worked out for my loan on my behalf through the California Mortgage Modfication Monitoring office of the California Attorney General office. As early as XX/XX/XXXX, at their request, I provided BSI DOJ Modification offer and approval documentation from XXXX XXXX XXXX ( prior Servicer ) as well details and emails between the attorney representative of the California Mortgage Monitor office of the Attorney General 's Office and XXXX XXXX XXXX authorized representatives including detailed permanent modification terms. Since XX/XX/XXXX to present date my permanent modification terms and documents have not been remitted to me and my permanent DOJ Attorney General modification per the Settlement and agreement with prior servicer has not been made permanent. I have waited patiently and with understanding as my requests for status, updates and expectation of my permanent modification have met repeatedly with the response that the BSI " underwriter is backed up. '' It is now XX/XX/XXXX and as my situation includes the special circumstance of being a Department of Justice Attorney General National Mortgage Settlement permanent modification term agreement I would hope for priority in processing and finalizing and that my mortgage should have been permanently modified before this timeframe.
Consumer complaint received 2015-06-02
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: Check City Partnership, LLC (NV)

I received a loan and paid off the loan. But then they said that I took another loan out. Never received the loan. They been calling me for XXXX days now. But they decided to call my MOM AND TO INFORM HER ABOUT MY LOAN PROBLEM. THEY STATED TO THAT THEY HAVE THE RIGHT TO GIVE ANYBODY MY INFORMATION IF THEY KNOW MY LAST XXXX NUMBERS OF MY SOCIAL.
Consumer complaint received 2021-07-06
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. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed
Consumer complaint received 2020-05-01
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: Bread Financial Holdings, Inc. (GA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2021-07-06
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. (GA)

I filed a previous complaint on XX/XX/XXXX, ( COMPLAINT ID XXXX ) against TransUnion. My credit score continues to drop around the first of every month without any explanation for the drop, when the other scores from the other two credit bureau continue to go up, TransUnion score decreases for no apparent reason, here is a history of my score since XXXX XXXX. The fluctuation in my credit score with TransUnion started XXXX, XXXX. On XXXX my credit score drop from XXXX to XXXX a 30 point drop. My credit score increased to XXXX on XXXX. XXXXI made my complaint with CFPB on XX/XX/XXXX, and my credit score increased on XX/XX/XXXX by 33 points to XXXX. I thought I had everything fixed until I checked my score again and it had decreased again on XX/XX/XXXX. by an additional 34 point. It appears I had lost some additional point from XX/XX/XXXX XXXX XXXX, from XXXX on XX/XX/XXXX, to XXXX on XX/XX/XXXX. After making a called to XXXX on XX/XX/XXXX. and being told I had duplicates credit reports my credit score went up 38 points on XX/XX/XXXX. to XXXX, it went up an additional 17 points on XX/XX/XXXX. to XXXX. It drop 4 points on XX/XX/XXXX. to XXXX. This is the problem, on XX/XX/XXXX, my score drop 69 points to XXXX for no apparent reason. The other credit bureau increase my score by 4 points on XX/XX/XXXX. Something is seriously wrong with TransUnion reporting model. I spoke with a customer service agent and her supervisor today, neither was able to explain the reason for the drop. The supervisor XXXX XXXX XXXX instructed me to write you all for help again. Thanks
Consumer complaint received 2018-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma (FL)

I have 4 accounts on my credit report that should have a XXXX balance. 

1.XXXX $ XXXX Closed account switched to XXXX, provided them with policy numbers .... payments were automatically deducted from my account. Opened XX/XX/2016, XXXXXXXX XXXX Company 2XXXX XXXX XXXX {$420.00} Closed account when we moved to XXXX, paid balance in full, it had to be in good standings to transfer and start a new service. XXXX XXXX XXXX  3.XXXX XXXXXXXX XXXX XXXX {$690.00}, I submitted at the time of visit all my insurance information. The bill was covered in full with 100 % medicaid.XXXX XXXX XXXX XXXX 4.XXXX XXXXXXXX XXXX {$45.00}, again, should have been billed to medicaid.XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-03-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MI)

Carrington Mortgage Services There has been ongoing issues in receiving my mortgage statement in the mail and a lengthy time for them to process the payment. So much time would pass before the payment was processed, that I would receive a late notice a day or XXXX after they would process the payment. Today, XX/XX/XXXX, I received the mortgage statement for due payment of XXXX. I sent out the payment on XX/XX/XXXX with the coupon used from last month that I thought was the current one. It came to me in the mail all beat up and half open. It takes an average of XXXX days for them to process my payment. I normally get the mortgage statement late on the XXXX week of the month. I can not access a statement online to print off for my records, but they will easily take a payment. I used to have to pay extra to process payments online until I recently saw that the fee was waived because of covid. 

I contacted the company regarding this issue, the representative on the phone agreed that I have not made any late payments and I am paying extra. I was supposed to have a follow up from someone in the company and have not received any. I was told that the late payment division doesn't communicate efficiently with the payment side, and that is why I got the late notices. 

They have also had to go through my escrow account and redo the amounts taken as I would have too much extra in that account. Trying to talk to someone on the phone is very difficult since covid has struck and the call volume is always very high. I have waited on the phone for XXXX minutes before giving up. I have had to write on paper my payment, account number, how much I am paying and how much goes towards principle because I am not receiving my statements and that is the only way I can see the statements.
Consumer complaint received 2021-07-12
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. (FL)

I have no knowledge of the following false disputed accounts : 1. XXXX XXXX XXXX account XXXX 2. XXXX Credit Card account XXXX XXXX. XXXX XXXX XXXX  account XXXX 4. XXXX  XXXX XXXX account XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap.
Consumer complaint received 2018-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

XXXX XXXX placed a negative inquiry on my XXXX   Credit Report which is not my account. XXXX XXXX XXXX disputed the amount XXXX placed on my report. On XX/XX/18 XXXX XXXX sent a copy of a telephone bill with letter stating the bill is validated. Neither my signature or social security number on bill or letter. 

Thank you
Consumer complaint received 2021-05-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Oliver Adjustment Co. (FL)

XXXX XXXX XXXX XXXX called OAC. I disputed these on XXXX XXXX, they were removed, and then put back up again numerous times. How many times do I have to keep disputing them. I have XXXX and XXXX, my insurance XXXX covers the remaining balance on everything, so if it's going to collections, it's because they're not doing their jobs and billing XXXX. They have all my proper information, and I even confirmed it with their billing department over the phone. I finally got my credit to a good number, and these XXXX keeps billing me these charges that insurance has paid for already, and there should be a log of that. Isn't it illegal to do this to someone's credit? We're in 2021 now, I am on XXXX and have been for XXXX years.. I collect XXXX, and don't work, I make about {$500.00} a month, isn't there some sort of relief out there? We shouldn't even be having this conversation, because these were already paid off by insurance. Some of these date back to XXXX how is this possible? 

Recently I reached out to the company on their site, but got no reply back, which I honestly wasn't expecting one. OAC seems to do this to a lot of people from what I've read in XXXX them for their last cent, and going after people who actually can't afford it.. harassing them. 

I don't have anything that says they were paid for, unfortunately, but my insurance should have that.. most of it is done digitally now. I think the problem is that XXXX XXXX did not bill my XXXX, instead billed me, even though I told them to bill insurance, they cover whatever XXXX doesn't, and that's why it's in collections. However, I told collections this, and they are not doing their job either in getting the money from insurance.. I'm sure you understand what I'm saying. So I can't have documentation of something when people aren't doing their jobs and billing the right people.
Consumer complaint received 2018-06-08
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. (CA)

These are the injuries that are showing up on my Credit Report, I have no knowledge of giving them permission to check my credit, I have been given the run around by the Credit reporting Agencies and my letters to both the companies and the reporting agencies has not been addressed, the list date and addresses are as follows ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-24
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. (GA)

TransUnion is practicing unfair bias to deter my fico score and been lately I denied goods services due to invalid negative accounts on my credit disclosure and it's has affected my livelihood. There are several invalid reporting adverse aged accounts that are seven years old but it's still visible on my credit disclosure. XXXX XXXX  XXXX acct # XXXX and high balance ( {$15000.00} ) reported is inaccurate. XXXX XXXX acct # XXXX and high balance ( {$20000.00} ) reported are inaccurate on my credit disclosure.
Consumer complaint received 2016-02-05
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PENTAGON FEDERAL CREDIT UNION (TX)

PENTAGON FCU XXXX ACCOUNT NUMBER OPEN DATE XX/XX/XXXX BALANCE DATE XX/XX/XXXX ACCOUNT STATUS XXXX PAST DUE XXXX COMMENT TRANSFERRED I AM DEMANDING VALIDATION FOR THE ABOVE REFERENCE NUMBER PLEASE PROVIDE A FULL ACCOUNT LEDGER AND A CHAIN OF TITLE FOR THE THIS DEBT THAT IS BEING REPORTED ON MY CREDIT REPORT.
Consumer complaint received 2021-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

Every 2 weeks there is some type of hold placed on my account I receive the same auto generated response no one has time to address my issue remove any flags that all of sudden been placed on my account.. I hear the same apology and here I am again with the same fraud flag for the exact same charges this is so frustrating!!
Consumer complaint received 2020-11-03
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc. (TX)

I called to resolve the acount and they where extremely negtive ... They kept giving me deadlines and tell me that they would note the account as a refusal to pay. I did end up paying the account. But I would have appreciated a little more courtesy and friendly tone.
Consumer complaint received 2018-03-19
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Cap One Inquiry from XX/XX/2018 Through XXXX XXXX I learned that the above hard inquiry was made in an attempt to get credit in my name. I did not initiate this or part of this request.
Consumer complaint received 2018-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (TX)

XX/XX/2018 I contacted XXXX as a result of identity theft and inform them that I have not received no credit or any phones from them and that they needed to correct my credit report as they have denied it.
Consumer complaint received 2019-08-08
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. (NM)

over 10 years ago, addressed populated on my Credit Report from a in Northern New Mexico, I have never lived there. A report was made as Identity Theft and the addresses came off. In the last 2 weeks similar addresses populated on my report. I filed a dispute with Equifax and received an email saying they had been resolved. When attempting to log back into my account it kept telling me I had to contact them directly. Today ( XX/XX/XXXX ) I spent over an hour on the phone with them, after the could not verify who I was and speaking to 2 different agents, they told me that the first dispute was not taken care of and that he would be assisting me with it then and there to have the addresses removed. My second dispute was because I found a hard hit from XXXX XXXX XXXX on my report, I have never had an affiliation with XXXX XXXX XXXX and have not authorized a credit pull on my credit. The agent stated I would have to contact XXXX XXXX XXXX so THEY could take the hard hit off my credit. When I questioned the agent about that, he became upset and told me if that wasn't my inquiry I shouldn't have any issues contacting XXXX XXXX XXXX and having them remove it. In the XXXX XXXX XXXX forums, many have had this issue and have been told by XXXX XXXX XXXX to contact the credit source to have the inquiry removed. This is a huge circle that is not being resolved. I am working hard to have my credit better and issues like this do not help me or others. Neither company is taking responsibility for any issues and THAT is a huge problem for me!