davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-21
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. (OH)

On XX/XX/2021 I XXXX XXXX received a letter that as of XX/XX/2021 the following accounts were verified but Transunion didnt provide their investigation process. Nor did I receive validation of debt from ANY of the debt collection companies. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX TRANSUNION has denied me of my rights of providing me with their investigation process. 
TRANSUNION has denied me of my rights to a fair and accurate credit file. 
TRANSUNION has continued to report fraudulent accounts they know are unverifiable. 

I have sent TRANSUNION a AFFIDAVIT of TRUTH and FACTS which they have assumed ALL FACTS to be true since they have failed to respond. 

TRANSUNION has denied my request for removal of all fraudulent accounts and inquiries on my credit file. 
TRANSUNION has committed fraud themselves and continues to willfully report unverifiable alleged debt. Continuing to cause me great harm and stress! 


I have disputed 3 times with TRANSUNION and they continue to infringe on my rights and deny me of my rights provided by the FCRA. They have also assumed my Affidavit as truth.
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Millco Management (NC)

A collection agency named Amerifinancial recently reported three collection balances on my credit report for {$400.00}, {$140.00}, and {$120.00}. Prior to these accounts appearing on my report, I received no notification of the debts whatsover. Amerifinancial never supplied me with a notice of my right to dispute, prior to reporting these debts, so they have violated my rights under the Fair Debt Collection Practices Act. And since they have reported these debts illegally, they are also in violation of the Fair Credit Reporting Act.
Consumer complaint received 2021-11-29
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: BARCLAYS BANK DELAWARE (NY)

This is XXXX XXXX who is submitting this CFPB complaint myself. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. Please investigate and remove it from my personal credit file. Thank you. 

( XXXX XXXX )
Consumer complaint received 2023-03-11
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: EQUIFAX, INC. (CA)

XXXX credit bureau have about 4 hard inquiries and about 15 soft besides anything from first XXXX XXXX witch is my doing but all others listed that was not through me allowing any of the companies that applyed hard and soft inquiries to my credit reports I'm not familiar and responsible for any of them listed I have lost my wallet while back along with my ssc inside it seems to me they was done by someone claiming to be me are used my info I tried disputing all them and get nowhere with it I would like them all deleted asap please making my score look very bad please help me
Consumer complaint received 2020-11-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (MD)

We paid off our mortgage ( {$430000.00} ) with Roundpoint Mortgage by wire transfer on XX/XX/20. Legally they were required to return our escrow ( {$8000.00} ) within 20 business days. It came at the beginning of XXXX, though the check was dated XX/XX/20. 
First they said it was the USPS 's fault, then when we found & emailed a copy of their envelope with a metered mail date of XX/XX/20, they insisted it was not their own postage meter, but the Post Office 's and that the Post Office must have held onto or " lost '' it. We took the envelope to the Post Office and they said it was NOT their stamp. This means Roundpoint did not send us a check until 34 business days later instead of the required 20 days. Now they insist that the USPS made a mistake and must have kept the envelope for a while and then returned the envelope to them & then Roundpoint sent it to us. 
They made interest off our " stolen '' money, but more importantly, they probably do this routinely and are therefore making tons of interest by paying escrows late. I believe this may be the case given how the people I spoke to seem to be trained to come up with one excuse after the next and deny, deny, deny. 
Can anything be done to Roundpoint? Are there other complaints about them doing this?
Consumer complaint received 2021-06-01
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. (IL)

I recently checked my Equifax credit report and I noticed XXXX XXXX XXXX is reporting on my Equifax report for the amount of XXXX XXXX  and {$890.00}. 

XXXX XXXX XXXX sent Equifax a deletion letter I demand these items be removed from my report.
Consumer complaint received 2020-09-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (GA)

every 3-4 months they said they haven't received my payment, but I think they hold a certain number of them so they can get late fees. We own many properties and send the mortgages via billpay. this is the only one that occassionally " doesn't receive payment '' This occured for the XX/XX/2020 and XX/XX/2020 payments. 
In addition, your account isn't real time so if you send in a payment you don't see it reflected until THE NEXT MONTH. There should be a class action suit against them so we can look at their books and see how many people they are doing this to. Also, I think they may be stealing escrow money because I balance my books ( yes accounting nerd ) including the escrow on my mortgages and guess what. This is the only one that says they didn't receive the bill. The loan is in the company name of XXXX, XXXX, but I as the owner have a XXXX credit score so you can see that I pay my bills on time. 

I would like for the XXXX and XXXX late fees to be reimbursed and and the fee to pay online be reimbursed.
Consumer complaint received 2017-12-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (AZ)

As of XXXX XXXX, 2017, XXXX XXXX XXXX are threating to garnish my income taxes. They claim I owe them {$4300.00}. This company has no proof that I owe them. They are sending falsified court documents that are not legally notarized. I do believe that this is a scam.
Consumer complaint received 2021-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (GA)

On XX/XX/2021 over 60 days ago I mailed a letter to this debt collector that showed on my consumer report and this company has VIOLATED ME MULTIPLE times under the FDCPA, no consent to having unauthorized use of my information or social security number is identity theft. I have tried to resolve this matter by mailing in the necessary paperwork but my request are being ignored. This debt collector has violated me under 15 USC 1692g by not validating the alleged debt as the natural consumer ONLY I can validate any debt and several other violations against me and my character. I demand this alleged debt and any of my information that was fraudulently obtained be deleted.
Consumer complaint received 2020-08-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

On XX/XX/XXXX, I contact Portfolio RC ( Collection Agency ) I noticed I had a XXXX XXXX account in collection from XXXX which has a balance of {$230.00}, that I never had, I had a XXXX XXXX card which was paid off and closed on XX/XX/XXXX and the balance was {$0.00} and the account was closed, Which seemed odd. I contacted XXXX XXXX regarding the item in collections and they couldn't pull up any accounts regarding the account number I provided which instantly I knew something was off. I contact Portfolio RC via mail, I stated I need a copy of my contract, id and my ssn to prove that the debt was truly mine, they only provided me with an invoice which isn't Validation by any means. I decided to contact them again regarding that matter and they refused to Validate the debt by providing me with proper documentation, I stated I only had 1 XXXX XXXX credit card which was paid off and closed besides that I NEVER! had any other account and even the original creditor assured me I only had 1 account and had a XXXX balance. I need this collection item removed from my credit report ASAP, I'm trying to purchase a home and its causing my character to be jeopardized due to this inaccurate item on my report.
Consumer complaint received 2021-06-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NC)

I went to log into my Coinbase account and there was no verification code sent which essentially locked me out of the account. When I made them aware of the situation they locked my account which basically I cant get in anymore this them denying me access to my own funds.
Consumer complaint received 2021-07-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

This account don't belong to me. Please remove this from all 3 credit reporting agencies. Please see below the account that is reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft BK OF AMER Account Number : XXXX This is not mine.
Consumer complaint received 2020-08-25
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: EQUIFAX, INC. (GA)

To whom it may concern, the below credit inquires on my credit report were not authorized by myself. I have communicated with the companies personally and have all stated that there is no record of an inquiry in their system. I am asking that Equifax honor my word that the below are fraudulent inquires and remove them as requested through their dispute services on several occasions and the credit agency have not responded correctly. 
Inquires that are fraudulent : XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Credit : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2018-07-02
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: Experian Information Solutions Inc. (TX)

EXPERIAN XXXX  XXXX ARE REPORTING INACCURATE INFOMATION SUCH AS STUDENT LOANS CARS AND LOANS. I FILE A POLICE REPORT ALSO ATTORNEY GENERAL OF TEXAS. THE CREDIT BUAREU STILL SENDING FALSE INFORMATION.
Consumer complaint received 2023-03-11
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Report Act, XXXX XXXX XXXX, has violated my rights by reporting its fraudulent account to Experian, XXXX and XXXX credit bureaus. I have no open accounts with XXXX, nor have I ever done business with XXXX or any business it may represent. I have had no communications with XXXX before its reporting of said fraudulent account. This is a snapshot of what was reported. 

XXXX XXXX XXXX Last reported XX/XX/2023 {$2300.00} Open XXXX  XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX has violated my rights under these codes : 15 U.S. Code 1681 ( a ) ( b ) - Congressional findings and statement of purpose 15 U.S. Code 1692e - False or misleading representations A debt collector may use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
Consumer complaint received 2021-12-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (IN)

We fell past due on our loan since XX/XX/XXXX due to health issues and loss of wages. I informed Selene Finance of my struggles and continued to apply for mortgage assistance ( Loan Modification ) Each time I would apply my Loan Modification request would get denied for various reasons causing me to fall more behind and required to submit all documents again. 

Most recent I applied for assistance on XX/XX/XXXX and received a letter from Selene stating I was under review for assistance and they would have an answer by XX/XX/XXXX Since being under review since XX/XX/XXXX Selene finance had a set Foreclosure date on my home scheduled to be auctioned off for XX/XX/XXXX @ XXXX. After many times advising Selene Finance to remove the foreclosure date due to being reviewed for assistance they refused. 

Selene Finance- is direct violation of Dual Tracking as they refused to stop the sale date of my home while under review for home retentions options. And after speaking to the Trustee handling the foreclosure they advised me the sale date was going to happen as they had no instructions to postpone. As of today I have not received a denial letter or 30 day window to appeal the denial as allowed. They foreclosed on my Home!!
Consumer complaint received 2021-07-19
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. (TN)

I submitted a dispute back in may of this year. My US BKPT CT TN XXXX was removed on XX/XX/XXXX and it showed back on on today as well as my XXXX XXXX XXXX account was removed as well and now is back on months later. I have been having this issue for months now, the credit companies have been going back and forward with me on removing and putting accounts on my credit.
Consumer complaint received 2021-07-19
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. (TN)

I submitted a dispute back in may of this year. My XXXX XXXX XXXX XXXX XXXX was removed on XX/XX/XXXX and it showed back on on today as well as my XXXX  XXXX XXXX account was removed as well and now is back on months later. I have been having this issue for months now, the credit companies have been going back and forward with me on removing and putting accounts on my credit.
Consumer complaint received 2018-02-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (CA)

So, this guys ( Below ) have falsely put a collection on my credit report. 
after several times letting them know that they owe me money. 
this am assuming that this guy is from XXXX XXXX people, That very bad company that is now XXXX XXXX XXXX is trying to collect instead i told them that they owe me an over charge of XXXX and they are not paying and now they have the audacity to try to collect. I demand the return of XXXX to me and immediate removal from my credit account. 



Payment Status : I C SYSTEM XXXX XXXX XXXX XXXX XXXX   XXXX, MN XXXX XXXX XX/XX/2018 Collections
Consumer complaint received 2023-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

I told the collection agency that the debt with the creditor they were trying to collect was disputed and I filed a lawsuit against the creditor. The case is pending. The collection agency still reported this debt to the credit bureau 's ruining my credit. I don't understand what right these collection agencies had to do this without a court judgement.
Consumer complaint received 2021-10-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC (TX)

This has been the worst experience ever! The car was delivered on XX/XX/2021, with bad breaks, missing floormats, a malfunctioning sunroof, and broken parts to the windshield. Carvana says they have a 7day guarantee or money back option. I've been attempting to get the windshield fixed since the first week of having the car and Carvana has constantly provided wrong information since I have addressed this concern. I have requested for a manager to call back and I'm still waiting on a return phone call. I'm sure that Carvana knows about the Lemon Law however they don't seem to abide by the Lemon Law regulations since they have failed to inspect the car prior to delivery. Carvana has also given me the runaround for about three weeks with going back and forth with XXXX XXXX ( auto warranty ) knowing that the issue was due to lack of inspecting. The car dealership is expecting a payment of $ XXXX for something that should have been inspected by Carvana . I would NEVER recommend anyone to purchase a vehicle from Carvana. Carvana only wants your money and they do not care about their customers. This seems to be a trend that they have. I know someone personally who has had the same exact challenges as me.
Consumer complaint received 2018-03-02
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: SYNCHRONY FINANCIAL (GA)

On XX/XX/XXXX I applied for a line of credit to purchase furniture over the phone. An account was opened for XXXX XXXX only. Once I realized this mistake, I called in and they opened a XXXX XXXX account that could be used anywhere ( this is what I originally authorized and thought they were doing to begin with ). They closed the XXXX XXXX  account. The next month ( XX/XX/XXXX ) I received a copy of my credit report and there was two inquires and two accounts showing up on my credit report. The XXXX XXXX account showed opened then closed two days later. I called the company regarding this error which caused my credit score to significantly decrease, and I spoke with account manager XXXX ( XXXX # XXXX ). He stated he would send a letter to the credit bureaus stating the XXXX XXXX account was opened in error. He could not confirm if they would delete the account or not but he would try. He told me to request a copy of my report withing 45-60 days to see if it was gone.
Consumer complaint received 2020-11-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (FL)

I received an attempt to collect a paid debt from Commonwealth Financial Systems , IncXXXX in XX/XX/2020. I then sent a certified debt validation letter to Commonwealth Financial Systems , IncXXXX in XX/XX/2020. In XX/XX/2020, Commonwealth Financial Systems , Inc. failed to provide the necessary documents that I requested in my debt validation letter.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXXXX/XX/XXXX
Consumer complaint received 2021-07-19
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. (OH)

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : -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 XXXXXXXX
Consumer complaint received 2020-11-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (VA)

I applied for a purchase of a condo back on XX/XX/2020 with Wells Fargo, at which point my loan officer stated that I was pre-approved. After going under contract and submitting all my income and asset documentation in Wells Fargo advised that now all of a sudden their guidelines have changed and they needed more of a down payment I liquidated my stock assets to show them more funds available for me to put down and provided them with that information also. Then they sat on my loan for over 2 weeks with no updates or communication and advised me on the Day that I was supposed to close that now they are not going to be able to approve my loan. Causing me to loose XXXX in earnest money, along with the loss i took on the stock liquidation in order to show them the additional funds they requested, along with the lost appraisal fee of over XXXX. I called and made a phone complaint about this to Wells Fargo executive office, they stated my case would be assigned to someone and I would be receiving a phone call and No One ever called. I called again later after a week to check on the executive complaint status and I was passed off to a branch manager. I am now going to the CFPB so my complaint can be routed to the appropriate party.