davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-25
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. (IL)

XXXX is incorrectly reporting that I have caused six ( 6 ) inquiries into my report during the past two years, a fact that in completely wrong. 
I found that information through XXXX credit monitoring who uses that agency for credit reporting. This is obviously affecting my ratings as I make it a point to not have many personal accounts open. I do pay all my accounts on time and do not seek additional credit, do not accept the XXXX offers that are sent to me on a regular basis. 
The objective is to correct the errors and issue a corresponding score consistent with the facts.
Consumer complaint received 2019-06-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (GA)

On XX/XX/2019 a certified letter was sent to Calvary. I resquested calvary to validate the debt and provide me with info on how they claim I owe {$3700.00} how they came up with the obsurd amoun and to do not contact other than to validate the debt.. Not only was the debt not properly validated Calvary kept contacting me.
Consumer complaint received 2020-08-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Sovereign Lending Group, Incorporated (IL)

I had contacted Sovereign Lending group from a direct referral from my XXXX current mortgage company for a refinance inquiry. I was simply inquiring about current rates and what my options might be. I was put in contact with XXXX XXXX, he asked some information and rattled off a few percentage rates. Then as I was on the phone with him, I get an email notice from my credit tracking service that they just did a HARD CHECK ON MY CREDIT REPORT! I did not authorize this, I did not agree to it, I was furious. I immediately told Mr. XXXX that I had been calling to only INQUIRE about refinance options and what the rates were currently at for conventional mortgages. I attempted to contact a supervisor and never heard back. I called yet again and someone told me I would get a phone call. But, at that point, its too late. The company and already hard checked my credit and now i had to scramble to look for refinancing options while it wouldn't further damage my credit rating. I definitely wasn't about to use Sovereign now due to this. THEN Mr XXXX XXXX had the nerve to mail me approx 100 pages of refinance documents with almost {$4000.00} in closing costs and saving me {$1.00} per month in mortgage payments. NOW i was mad and insulted and after he had the audacity to run credit when not authorized, is the reason for my complaint. Horrible and underhanded mortgage practices and terrible service and now they cant even fix the problem because you can not remove a hard  inquiry to credit bureaus.
Consumer complaint received 2021-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (VA)

I had an account with XXXX XXXX and after the account was cancelled they sent it over to I.C Systems. Which I then made payment directly to XXXX for the past due amount of {$240.00} on XX/XX/2021 to keep the bill from reflecting on my credit report. Which XXXX did not send that over once I paid. The collection company told me it was my responsibility to make sure they were notified that the bill was paid. But they sent an electronic request to XXXX for this matter. When they reached out to XXXX they contacted the wrong department for this account information. 
So when I received a letter stating that the bill still had not been paid, I reached out and they informed me that if was job to make sure they got information again. Which I called XXXX and after getting to the right department they said no I paid this account back on XX/XX/2021 and sent it over. But XXXX did not send the court date, and I C Systems are still telling me it's not their jobs to verify the correct information, and that I will need to wait for it to be removed my credit report or trying disputes with the credit bureaus. Which I do not feel that it is my job to go through all these hurdles when the company could make a few phone calls to resolve this issue.
Consumer complaint received 2017-09-25
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: EQUIFAX, INC. (LA)

On XXXX XXXX, XXXX I got a copy of my Equifax credit report from XXXX. On that copy of my report, there is a charge off from XXXX XXXX XXXX. The " Date of First Delinquency '' is listed as XXXX XXXX, XXXX. The Delinquency First Reported Date is listed as XXXX XXXX, XXXX. The months reviewed are listed as XXXX. 

On XXXX XXXX, XXXX I got of my Equifax credit report from XXXX, again. On that copy of my report, there is a charge off from XXXX XXXX XXXX. The " Date of First Delinquency '' is listed as XXXX XXXX, XXXX. The Delinquency First Reported Date is listed as XXXX XXXX, XXXX. The months reviewed are listed as XXXX. 

How is it possible for these dates to change? They are trying to illegally re-age my negative account.
Consumer complaint received 2022-08-12
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. (PA)

I am XXXX XXXX, who is submitting this CFPB complaint upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-14
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: Resurgent Capital Services L.P. (CA)

I never have an account with these collector/creditor. I tried to contact them several times and ask for proof of ownership but they are failed to send me necessary documentation to prove that I really own this account.
Consumer complaint received 2020-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

Approximately XX/XX/2020 I reported attempted fraud to XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. On XX/XX/2020 I froze my credit reporting with Equifax, XXXX XXXX XXXX XXXX to prevent any future attempts. 
I started receiving credit denial letters from XXXX ( 2 ), XXXX XXXX, XXXX XXXX ( 2 ) that I did NOT apply. One of my concerns is the negative report status shown on credit reports that would hinder my ability to be granted credit if I need. I am sending this letter to all three credit reporting agencies and FTC.GOV.

It would be appreciated that all receiving this letter would take the appropriate action in protecting and my credit status.

I CAN NOT GET COPIES OF MY CREDIT REPORTS. IT IS IMPOSSIBLE TO TALK TO ANY OF THE 3 REPORTING  AGENCIES. MUST BE DONE BY fax AND I HAVE NO FAX MACHINE AND ups store WILL CHARGE {$18.00} PER AGENCY x 3 EQUILS {$55.00}!!
Consumer complaint received 2020-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Approximately XX/XX/2020 I reported attempted fraud to XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. On XX/XX/2020 I froze my credit reporting with XXXX, XXXX & Trans Union to prevent any future attempts. 
I started receiving credit denial letters from XXXX ( 2 ), XXXX XXXX, XXXX XXXX ( 2 ) that I did NOT apply. One of my concerns is the negative report status shown on credit reports that would hinder my ability to be granted credit if I need. I am sending this letter to all three credit reporting agencies and FTC.GOV.

It would be appreciated that all receiving this letter would take the appropriate action in protecting and my credit status. 
I CAN NOT GET COPIES OF MY CREDIT REPORTS. IT IS IMPOSSIBLE TO TALK TO ANY OF THE 3 REPORTING AGENCIES. MUST BE DONE BY fax AND I HAVE NO FAX MACHINE AND ups store WILL CHARGE {$18.00} PER AGENCY x 3 EQUILS {$55.00}!!
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Dear Sir/Madam, I am writing to dispute inaccurate information on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I recently obtained a copy of my credit report and noticed that my address and phone number are incorrect, in violation of the FCRA. 

My correct address is XXXX XXXX XXXX XXXX XXXX and I have attached a copy of my recent utility bill as proof of my correct address. 

I request that you remove the incorrect address and phone number from my credit report as soon as possible, in compliance with the FCRA. I understand that the FCRA requires you to investigate my dispute within 30 days and notify me of the results. 

Thank you for your attention to this matter.
Consumer complaint received 2020-12-05
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. (TX)

I am contacting you regarding several items on my Experian Credit Report that are not accurate. Please be advised that my Social Security Number is XXXX, and my date of birth is XX/XX/XXXX. 

My report has a record from XXXX XXXX XXXX XXXX. I do not recognize this account, and I am not responsible for it. Please remove this account from my report immediately. 

Additionally, I do not recognize several hard-inquiries on my report. Please remove these hard inquiries as well : XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Additionally, my name is not XXXX XXXX XXXX. Please remove this name from my report. 

I sent a complaint about this to Experian via USPS Priority Mail ( Tracking ID XXXX XXXX XXXX XXXX XXXX XXXX ), which was delivered to them over 30 days ago. Experian failed to respond to my request within the allowed 30-day time-frame, and therefore Experian is now in breach of the law.
Consumer complaint received 2020-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ID Analytics, Inc. (CA)

I applied for a credit card on XX/XX/2020 - I have great credit in the 800 's - XXXX XXXX used : SAGESTREAM , LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX They reposted me as deceased and my credit score dropped 10 points because of it. 
I am very much alive and very concerned and quite annoyed. 

I've tried contacting the company, but there is literally no avenue to speak with someone.
Consumer complaint received 2020-10-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX is trying to collect a debt that is not owed. I never had this company as a credit card. I tried contacting XXXX XXXX to remove fraud account. I completed fraud packet and FTC reporting of this company. 


This company is reporting a fraud account knowingly. Ive been a victim of identity theft since 2008. Ive provided all documentation necessary to have this fraud account removed. This company gives you the run around and says account to old to identify when you call but will not take fraud account off of my report even though it is fraud and they can not validate this account. 
Please remove from my credit bureau reporting as Ive followed all FCRA guidelines to have this fraud account removed. Thanks
Consumer complaint received 2020-04-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

I was contacted by my loan servicing company Loancare, that I had not paid my XX/XX/XXXX mortgage payment. They were throwing me into foreclosure. My wife and I contacted them proving we had paid them. I received a confirmation email from their escalation department two days later, ( XX/XX/XXXX ) that the matter had been resolved. My wife started getting harassing calls a few days later, again from Loancare, saying we hadn't paid our XXXX payment and were 30 days late ( it's XX/XX/XXXX and again, we paid while on the phone with the first customer service rep on the XXXX, how can we be 30 days late? ). Today I contacted Loancare again and told them we had paid and everything was up to date. I had to again send proof from my bank they got the money. And today I received a letter from XXXX mortgage company who bought our loan saying we owe three mortgage payments by XX/XX/XXXX. These people are predatory and are either incompetent at bookkeeping or fraudulent in their business practices. I have disputed their credit damage to the credit reporting agencies, but have yet to see anything resolved.
Consumer complaint received 2019-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2019, I deposited a insurance claim check for a family member. Before depositing the check I verified the account and routing number. After depositing the check on XX/XX/2019, I received a email stating the funds were available for withdrawal in the amount of {$7500.00}. With this information I withdraw the funds and gave them to the payee of the check. On XX/XX/2019, I received another email from Chase Bank stating the transaction had been reversed because a stop payment order was in effect. I contact the insurance company and was to that their Bank which also is Chase had a stop payment order issues 9 months ago and the bank should not have honored it. I then contacted Chase corporate office and told them about the stop payment on the check that they honored. I was told that I was liable for the funds. I then went to the UCC Code for Banks honoring over a stop pay order and found under code 3-4, that a bank is liable because they do not act in good faith by causing a loss to my account. Had the they inquired within THEIR OWN RECORDS they would have ascertain that a stop payment order had been issues and not to honor the check. But because they did not inquire or research their own files of another account holder of their Bank it caused a check to be honored through my account. Their actions place a loss to my account which never seen have happen. The bank is liable under the UCC Code because it honored over a stop payment order. This order included anyone who deposit or try to cash the check it is to be not honored. Also under the UCC Code a holder in due course law needs to be enforced. Businesses do not follow or have knowledge of these codes and they need to be enforced. Under your account agreement with Chase it states if they honor a stop payment item they are liable. It doesn't state who had to place the stop payment order. Who is liable now?
Consumer complaint received 2023-03-23
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Brock & Scott, PLLC (OH)

In XX/XX/XXXX a letter was received in reference to a second mortgage debt. I provided information of the bankruptcy discharge, as well as the debt was accelerated nearly two decades ago and various collection activities occurred over 15 years ago. Under the law the debt is time-barred. I disputed the debt with the company, Brock & ScotXXXX, in which they replied that they wanted copies of acceleration letters. Those letters were provided to them in XXXX. Since that time, they have begun attempts to collect the time-barred mortgage. At no point have they responded to the dispute nor responded to the twice made request for a full chain of title, documentation of the full chain of title, all endorsements, age of debt, last payment on the account, current accounting, last actions taken on the account, calculation of limitations period, original creditor name and address and all alleged transfer dates should be provided under the dispute previsions. A request was also made for all licensing and legal authority to act on and pursue said alleged debt within the state of Ohio. To date, again, nothing was provided yet collection attempts have began. 

Attached is the letters sent- including the showing that a collection attempt was started in XXXX. Brock & Scott will not respond and failed to comply with any conditions of the dispute process.
Consumer complaint received 2021-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

On XX/XX/XXXX. I notified experien that an item reporting on my credit report ( XXXX XXXX XXXX ) is inaccurately reporting and untimely reporting, I have yet to receive any notification regarding my dispute. I also pointed out the specific inaccuracies alerting Experian that they reported this account 60days late XX/XX/XXXX then report the same account 30days late the following month of XX/XX/XXXX. I kindly demanded experian fix the Inaccuracies in previous notifications. But They have yet to update or remove the account nor the Inaccuracies in question. Disregarding the The fair credit reporting act laws and regulations.
Consumer complaint received 2020-08-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc. (FL)

I was a resident at XXXX XXXX XXXXXXXX in XXXX, Florida. After many attempts ( months ) to have the gates of the complex closed because of a home invasion in the apartment near me, As a single woman, I no longer felt safe and I gave my notice that I was moving. I paid for a gated community because of safety. For months the gates remained open. Once the shooting occurred, I contacted the property 2-3 times a week. I left my new address for follow up on my deposits. I received the attached and immediately responded in writing that the amount they were trying to collect was not valid and actually made no sense. I requested for them to review the payment information that had been made and provide an actually true account of the amount they were trying to collect. This request is also attached. I never heard back from this company. Then I see that a collection agency is on my credit report. I disputed several times.  XXXX XXXX came back as verified. I contacted the collection company and asked why I received no response from the original creditor and once again stated the debt is not valid. I also let them know that what they were doing was against the FCRA. They told me to pay the amount and it would be removed. I don't feel this is right. That debt is not valid. They ignored my request in writing. Now, I need to find an apartment, and I am getting denied based on this false account.
Consumer complaint received 2020-10-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Santander Consumer USA Holdings Inc. (TN)

No matter how this is dealt with Im going to keep fighting now that I know my rights because I am being truthful & I have evidence regarding the hospitalization after the XXXX & the XXXX & the medication I was on, I have proof that my XXXX XXXX was not the score that santander gave me, I did not have any income & I never signed any document stating I agreed to a {$500.00} plus dollar car note. At the time of me getting this car I was a single mother that was recovering from a accident XX/XX/18 that totaled my car where I could not work ( I had a law suit that can verify that ) paying {$390.00} for car note {$1200.00} for rent, XXXX utilities, {$250.00} for insurance and more, {$200.00} cell bill, I still had a XXXX car note that had not been settled, unemployed for 2 months with a XXXX XXXX of XXXX. XXXX dealerships & all their lending partners turned me down & ran my credit including my own personal bank, but somehow Santander approved me with terrible credit, no Proof of income that I was able to make the payment, no money XXXX & a terrible debt to income ratio because I had literally been laid off for 2 months and I had an outstanding balance of XXXX on my previous car on my record .... somethings not right about that. Then they charged me {$200.00} more than what I was told per month & I was advised my the sales person to keep quiet once I got the bill in XXXX because really I wasnt suppose to qualify and Id be out of transportation .... this was manipulation & a terrible sales tactic. thats not right at all & I will not allow myself to be taken advantage of. I did not sign any documents especially none for {$560.00} a month. I know my rights.
Consumer complaint received 2017-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I want to unsubscribe to Experian credit report that bills me $ XXXX. I ca n't login because of invalid user credentials. I contacted them 3 times, as early as XXXX XXXX, 2015 to request for assistance but they never replied.
Consumer complaint received 2022-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX EMPLOYER : XXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX