davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-03
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. (GA)

Last XXXX I've sent the dispute regarding those accounts used fraudulently. I am a victim of Identity Theft and it causes me a lot of stress. I need help to resolve this problem and achieve my financial goals. It's almost 60 days now but there's no response yet.
Consumer complaint received 2019-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I was locked out of my credit report by transunion, XXXX and XXXX  while trying to do a dispute because they do not list my current employer.
Consumer complaint received 2020-06-22
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. (IA)

The following collections account and debt listed on my XXXX XXXX, Experian and XXXX  credit report is a fraudulent account and debt : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, {$1200.00}, I been receiving phone calls of harassment, profane and abusive language from XXXX XXXX XXXX XXXX which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and Iowa state law. The following credit inquiries listed on my XXXX XXXX, XXXX  and Experian credit report are fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX
Consumer complaint received 2016-02-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CO)

My complaint surrounds the illegal execution of a foreclosure sale completed on XXXX XXXX, XXXX. I have requested on multiple occasions for XXXX XXXX XXXX XXXX ( XXXX ), XXXX, located at : XXXX XXXX XXXX, XXXX, CO XXXX, to provide me with proof of service, as well as all copies and documented effects relating notice of foreclosure pending for XXXX XXXX, XXXX. It is a fact, that I did not receive notice from XXXX, nor Ocwen Loan Servicing ( OLS ) my lender. At no point was information or dialogue ever reciprocated to me that that there was a pending foreclosure action scheduled for my property. 
It is also a fact that, I was in constant, consistent contact with XXXX located at OLS, ombudsman 's office during the time of the sale occurring and I was completely blind-sided with both XXXX and OLS illegal actions perpetrated against us which has displaced our family. 
Per Colorado Revised Statue 38-38-101 requires specific documents be filed with the Public Trustee in order to initiate a foreclosure. I have requested case numbers pertaining to these foreclosure filings and XXXX has refused my requests in their entirety and my following requests are still being ignored : - Notice of Election and Demand. 
- Original Evidence of Debt, or a copy of the Note and Certificate of the Owner and Holder of the Evidence of Debt, or a Corporate Surety Bond in the amount of XXXX times the face amount of the original Evidence of Debt. 
- Original Deed of Trust or certified copy, or copy with certification letter - List of names and addresses of parties to receive notice. - Combine Notice from the Public Trustee 's Office We implore your office to investigate this matter immediately, as XXXX which is considered a foreclosure mill purchased from XXXX and XXXX ( Shut/Closed Down ), is in the process of attempting to evict my family at this time. We are forwarding to additional bank regulatory agencies. 


Thank you
Consumer complaint received 2018-03-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (AZ)

I am in the process of purchasing a home. I had my credit pulled and was surprised to see a collection from Convergent which dropped my score significantly. I have received no phone calls or contact via US Mail to confirm this collection is mine. Due to this I did not & have not obtained the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. I would like this collection removed from my credit due to erroneous collection practices.
Consumer complaint received 2017-06-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Chaplain Financial Services LLC (NY)

I received a phone call on my cell phone from  XXXX  at   XXXX   XXXX    on  XX/XX/2017 . They stated I had a debt and they were having me served for non payment. They said if I got served at home I needed to present them with 2 pieces of id, but if they served me at my job they would make my supervisor and make them aware of what I owe. The left the number   XXXX   XXXX   file #  XXXX . When I called back the person hung up when I asked name of company.
Consumer complaint received 2021-02-25
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. (TX)

remove FCRA violations address below : XXXX XXXX {$16000.00} Closed 26 charge-offs XXXX XXXX XXXX, TX, XXXX please call me at for the correct address XXXX CELL Names wrong see attachments below XXXX XXXX
Consumer complaint received 2022-09-07
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2017-06-20
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: ENCORE CAPITAL GROUP INC. (CT)

This company is attempting to collect a debt from me and has reported this debt to the credit bureaus. The problem is this company has yet to provide verification of this debt. I have no idea who or what this debt is for and I have no contract with this agency.
Consumer complaint received 2018-03-22
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (VA)

I'm a recent widow of a totally and XXXX XXXX veteran, who passed XX/XX/XXXX. VA stopped payment of pension in XX/XX/XXXX7, mix up of claims prior to purchase of modular home. For fives years we have been putting in claims for service-connected compensation. No monies have be received since. Have paid mortgage up until XX/XX/XXXX. Husband has had symptoms of XXXX XXXX   and last base was XXXX XXXX  for three ( 3 ) years.

Have notified, mortgage company of death, and asked for a deferment until DIC and Pension are received. Have the office of representative of the congressman helping to expedite claims. In the mean time the VA have paid my utilities for one month and I haven't received SSI yet.

In desperate need of assistance, as I'm a senior with no money as of yet.
Consumer complaint received 2022-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (MD)

Despite the multiple previous written requests, the unverified account listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX Balance : $-
Consumer complaint received 2017-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a fraud alert placed on my credit file, that indicates anyone who runs my credit needs to call me and verify and that was not done that violates my right as a consumer I have reached out to the credit bureaus about this matter on more than one occasion to advise about my credit being pulled without my permission and nothing has been done.
Consumer complaint received 2017-06-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (VA)

I am so very upset that I was submitted to a credit agency - Pioneer Credit Recovery from Navient. I made payments to Navient online. I asked for deferment and and forbearance and they said no. I made payments online It was then decided that there was a wage garnishment and I could not cancel the wage garnishment. I want to add the mediator that was included was paid by Pioneer Credit and I felt was biased in their determination. I am asking for a swift review please and reconsideration of this wage garnishment.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (AL)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Consumer complaint received 2022-09-07
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-09-03
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. (GA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2019-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO. (KS)

Im submitting this complaint with CHASE because my credit score was negatively impacted due to CHASE reporting late payments against me. My credit report shows late payments were reported during the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was a loyal customer to CHASE ever since I received my Credit Card in XX/XX/XXXX and I always made my payments on time. I had the ability to pay my bill to CHASE for the months reported as late and I scheduled my payments to be withdrawn from my bank account on-time for those bills. CHASE either did not properly send a request for payment from my bank, or did and something prevented the money transfer to CHASE. I was never properly informed by CHASE about any impending or existing missed payments on my account for the months reported as late. I also never received any indication from my bank account of a returned item due to not having proper funds in my account to pay my bill to CHASE. I only found my original payments were not posted when I logged into my online CHASE account. I immediately paid my bill with my debit card and confirmed with my bank the following day to ensure the payments had successfully been transferred to CHASE. 

I'm only bringing this issue to the attention of others now because I did not know CHASE was reporting any of these payments as late to credit reporting agencies until I reviewed my credit report earlier this year. I have been negatively impacted when trying to apply for other forms of credit for almost 6 years due to late payments on my record caused by CHASE. Since these late payments are not the result of my wrongdoing, and due to the circumstances listed above, I respectfully request for CHASE to remove the late payments during the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please consider my track record of on-time payments as proof I take my financial obligations seriously. 

If you have any questions, or require further information from me, please feel free to contact me at your convenience.
Consumer complaint received 2017-06-01
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: Experian Information Solutions Inc. (FL)

I have tried contacting them numerous time and told them this account does not belong to me, all they do is give me an address to mail a dispute letter and never get a response. this is negatively effecting my account, as i am trying buy a house and this is only negative account on my file.
Consumer complaint received 2020-09-11
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: Onity Group Inc. (CA)

PHH Mortgage failed to provide legally mandated notice requirements for changes to mortgage servicing. As a result, a payment was late. The late payment should not be reported to credit bureaus and the grace period allowed by Federal law should be tolled until such time that the consumer actually received adequate notice of who the mortgage servicer was.
Consumer complaint received 2021-05-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC. (PA)

I requested a broker price option because the value of homes where I live has risen significantly and I believe I have enough equity to stop paying PMI. A sunwest mortgage company representative told me XXXX was an option and took my payment information by phone to move forward with the process. I waited over a month for a reply and received a voicemail telling me that I'm not eligible because I requested a forbearance while I was furloughed from work during the Covid shut down in 2020, almost a year ago. My account has always been in good standing, the forbearance period was the only time any of my payments were not made. Those payments were made before they were due at the end of the forbearance period. I don't think I should be disqualified from a XXXX
Consumer complaint received 2017-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (NY)

A mortgage for my apartment with Citibank was open until  XXXX . The mortgage had an escrow account. Citibank has refused to send me statements for the escrow account.   Under a letter of authorization in  XXXX  all my statements were to be sent to me.    Citibank  sent selected mortgage documents but did not include escrow statements. I phoned citibank and they promised to remedy their omission. However, they have not done so. A letter from a lawyer to an accountant shows the existence of the escrow account as it includes a copy of the escrow analysis  XXXX  which corresponds to the mortgage  XXXX  I include :  1.  citibank letter  XXXX / XXXX / XXXX , the mortgage documents produced to me per letter of authorization, signed  XXXX   XXXX   2 .  Letter  XXXX / XXXX / XXXX  from  XXXX   XXXX   XXXX  transferring documents to  XXXX   XXXX , accountant, for the mortgage on  XXXX    XXXX    XXXX   XXXX , entry  XXXX  " Copies of the annual Escrow Analysis for the CitiMortgage dated  XXXX / XXXX / XXXX  and a CitiMortgage statement dated  XXXX / XXXX / XXXX  ''
Consumer complaint received 2017-06-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (TX)

I 've been battling with this company for the last year to get negative and fraudulent account off my credit report. I 've Called this company and asked what they needed.. I 've called police, the id.gov place. I guess chooses who and when to help a consumer. I need to get this resolved bc my family needs to move and this account and some lates are killing my credit. Please see attached evidence and I have more and can upload if needed. I 've learned so much about the laws and how to protect yourself.
Consumer complaint received 2022-03-03
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)

In accordance with the Fair Credit Reporting act XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX XXXXXXXX Account number : XXXX, XXXX XXXXXXXX Account number : XXXX, XXXX XXXX  Account number : XXXX, XXXX XXXXXXXX Account number : XXXX, XXXX Account number : XXXX, XXXX XXXX  XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX Account number : 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 2019-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I have reached out to each bureau to correct my personal information and neither bureau has adhered to that request. My government name is XXXX XXXX. I am requesting any and all variations be deleted because they are not mine. My birthday is XX/XX/XXXXas shown on my attached ID. I am requesting any and all variations to be deleted as they are incorrect. 

I keep getting letters to verify my identity and still no deletion. I am again verifying my identity by submitting my STATE IDENTIFICATION.