davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (CA)

I spoke to XXXX today ( XX/XX/2022 ) explaining that I do not have a debt with XXXX. I cancelled service and returned the cable box equipment to the nearest office. From that initial point of cancellation, whatever balance I owed was satisfied. There hasn't been any notification thereafter about any remaining amount due. I don't owe anything more. Please remove my name and the connection of this collection error from the data base.
Consumer complaint received 2022-04-21
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: CORELOGIC INC (CA)

The XXXXXXXX XXXX company submit an application for a loan for me and they asked the Credco credit company to run my credit report without my authorization and my consent. I recieved by mail a copy of my credit report and a Loan application number, and I didnt ask them to do that.
Consumer complaint received 2022-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (AL)

Home Point Financial has allowed my homeowner 's insurance policy to lapse twice in two years through their failing to issue payments, despite my repeated attempts to supply their escrow department with the policy information requested. 

Unfortunately, the email address previously used to correspond with my insurer and the mortgagee is now defunct, but my insurer was able to provide email correspondence from XX/XX/2022 where I reached out to Home Point with them cc 'd, and I know there were other attempts to contact them, including emails and at least one phone call with a Home Point representative in which I was assured that the policy information had been received so that payment could be issued. I am sure Home Point will be able to find their own records of any of these and other relevant communications if they are so inclined. 

Despite having an entire escrow department, Home Point Financial has failed in subsequent years to keep my insurance policy active, seemingly in spite of my efforts to make sure they have the information they should be able to get on their own. They have issued yet another notice to me that they are going to put a forced-place policy on my house, in total disregard of the fact that it is their fault my policy lapsed. This has caused my quoted premium to increase, and obviously has caused a level of distress from not having the most important asset of my financial life protected.
Consumer complaint received 2022-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A States 1 have the right to privacy.

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a count with out written instructions.
Consumer complaint received 2022-04-21
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: EQUIFAX, INC. (FL)

I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here is the detail of the late payment accounts, company name, balance & date last reported : XXXX/ {$140000.00} / XX/XX/2021
Consumer complaint received 2022-10-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (PA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate
Consumer complaint received 2022-10-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (PA)

The company affirm.com keeps reporting that I owe {$35.00} a month. Which they are estimating that is around {$380.00}. They reported to my credit XXXX that my account is flagged as not being paid. That is causing my credit score to go down.

I emailed the company several times. About five times.

I called the company. Made a complaint.

I filed a complaint.

I file several dispute. 

They keep reporting that information is correct. 

I have never bought anything off the website or use their service. 

It seems like they don't want to correct the problem. I want this company to STOP reporting to my credit.
Consumer complaint received 2021-12-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO. (SD)

Chase Auto appears that they process principle payments beyond the payment due, but the system won't allow for it. I have made multiple attempts to make more than the minimum payment and the system won't allow it. I have submitted a principle payment over the phone and they rescinded it 10 days later. 

Chase Auto is fraudulently collecting interest from it's customers by " allowing '' principle payments but administering a system that defacto does not.
Consumer complaint received 2021-12-06
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. (TX)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2022-04-21
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)

This complaint to Equifax was the result of their non-compliance to my request and for theirrefusal of getting the items, listed below, to be removed from my credit reports. They neitherremoved nor responded to my request which I believed to be against the Federal CreditReporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to helpme block the concerned items for they were found erroneous and unauthorized. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-06
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 — Investigation took more than 30 days
Company: HW Holding, Inc (CA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2022-04-21
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 Disputed accounts on my credit report that were NOT ( validated ) or 100 % accurate as I look over my Credit profile they are still reporting these fraudulent accounts I also filed a report with the XXXX and a XXXX report
Consumer complaint received 2022-12-27
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC (GA)

I asked was the debt sold to a collection agency. The debt collector was tryng to coerce y child a minor into paying the debt. She is XXXX. I tried to work out the details of the debt to pay it and she refused and told me I better pay up or she will ruin my credit. I want the debt removed from my credit and ill pay for deletion on a negotiated amount.
Consumer complaint received 2022-04-21
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: EQUIFAX, INC. (FL)

I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here is the detail of the late payment accounts, company name, balance & date last reported : XXXX  / {$0.00} / XX/XX/2018
Consumer complaint received 2021-12-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (GA)

On XXXX XXXX, 2021, my husband and I applied to refinance our mortgage rate of 4.75 %. We contact Quicken Loan who has bought out by Rocket Mortgage, and the agent name was XXXX XXXX. We provided All necessary documents i. e. income statements from retirement, pay check stubs, post-adoption income. They did a credit check that we did not get a copy of, and he order an apprasial. We wanted to pay of credit card debts of {$19000.00}, get cash out of $ 10k, and recieve a lower interest rate. We were told that we needed a value of $ XXXXXXXX for an interest rate of 2.87 %. The apprasial came back at $ XXXX whick I strongly disagreed with, and the interest rate was increased to 2.99 %. The loan was approved and scheduled to close on XXXX XXXX, 2021. On XXXX XXXX, the lender called and said that we needed more income or else the loan would not be able to fund. He wanted to see our bank statements to show additional income. We felt that it was a last minute tactic to change our rates or increase the closing costs of {$14.00}, XXXX which was more than we were getting for this loan, and so we refused, and cancelled the loan. 
On XXXX XXXX, we decided to try to refinance with a different company, XXXX XXXX XXXX XXXX XXXX. They promised to refinance our home pay off all our credit cards including my husband 's car note, provide us with $ 10k cash out, and lower interest rate 3.375 %. We provided them with ALL the docs again. Their appraisal came back at {$350.00} XXXX from XXXX XXXX on XXXX XXXX, 2021. This was a month later from the appraisal we got with Rocket Mortgage. However, they had issues with the DTI debt to income ratio. So, we agreed to changes to make the refi work. They needed to pay off both car notes in order for the loan to be approved. We agreed. These people never got back with us to keep us informed of when the loan was going to closed. We called, emailed, left message, all with not response. We got tired of waiting for them to let us know when the loan will close. It took more than 90 days from XX/XX/XXXX to XXXXXXXX XXXX. Nothing has happen yet, we decided to cancel this loan based on discrimination, and defrauding concerns. We went to the XXXX website to do a search on their company, and there were others who were experiencing the same things we were with no resolutions.
Consumer complaint received 2022-10-16
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. (AL)

pursuant to the FCRA and The FDCPA these inquiries constitute misrepresentation because i do not recognize them listing as : 15 USC 1692, 15 USC 1681O ( A ), 15 USC XXXX they as in XXXX XXXX, XXXX, EQUIFAX, and XXXX are all in default of these {$1000.00} violations of my federally protected consumer rights.
Consumer complaint received 2021-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery One, LLC (FL)

XXXX is reporting collection accounts that do not belong to me. 
XXXX XXXX XXXX, XXXX XXXX XXXX, and recovery one. By law this is illegal and they must remove them immediately!
Consumer complaint received 2022-04-21
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: Exeter Finance, LLC. (CA)

I noticed multiple hard inquiries on my credit report from the specific date of XX/XX/22. I did not authorize any of these hard inquiries, nor do I hold an account with any of these companies. 
My credit score dropped XXXX points because of this. 

Not acceptable! I have already tried calling each company listed from XX/XX/22 individually to investigate.
Consumer complaint received 2022-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX  - {$1300.00} Open balance Unauthorized/Erroneous Account RESULT OF the XXXX Data XXXX Direct Violation of The FCRA Reporting falsely Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 

please provide original documents! this is not mine I have no record of ever having this account.
Consumer complaint received 2022-04-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (TN)

On XX/XX/2022 I transferred some money out of my Chime account to my husbands account about an hour later I went to get gas and it said that my card was not valid I tried to call Chime and it told me that I could not speak to anybody because my account was closed I looked in my email and I had email stating that they had immediately closed my account with no explanation I got my husbands phone and finally got through to somebody and asked them if they would transfer my money to my husbands account because I was stranded on the side of the road and if I did not have my money I would lose my job because they said they would send me my money within 30 days I was told that there was nothing that they could do because my account was already closed and I had received the email 45 minutes earlier and they said that the account was already completely closed and there was no way to access my money until it came to me in a check in 30 days
Consumer complaint received 2022-10-16
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: LEXISNEXIS (WI)

I have a freeze on my Lexis Nexis report to not allow them to share any of my information with anyone and they are still sharing my information with credit buraus against my will. The information regarding bankruptcies was not furnished nor verified by Wisconsin XXXX XXXX. I enclosed a letter stating these facts and this company verifies to the XXXX XXXX XXXX and XXXX as if they received this information directly from the court it is unvalidated information.
Consumer complaint received 2022-04-21
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. (TN)

I am disputing a problem reporting on my student loan. I am currently in the income based repayment plan and have been been since XX/XX/2020. There should not be any late payments reporting on XXXX, Equifax and XXXX on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Account type : Installment XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX XXXX XXXX Account type : Installment I also noticed a discrepancy in the reporting date and discharge date of an old bankruptcy that has aged past 10 years on reporting and discharge date and needs to be removed from Equifax, XXXX and XXXX as well. 

XXXX XXXX Bankruptcy Status : Discharged Reference # : XXXX or XXXX I appreciate ongoing look into this as it is preventing me from moving forward in my house buying process. Credit report is attached. Thank you.
Consumer complaint received 2021-12-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (TN)

A few years back, I ordered my credit report and noticed a collections. I disputed with XXXX XXXX XXXX/debt collector and advised this was not my account. I was advised that the account was in XXXX name. Well, I have never heard of nor used a fraudulent name. I asked them to provide me with verification of the negative item. Nothing was provided so they removed it from my credit. 
Fast forward to XX/XX/2021. I got a credit alert advising a collections has been added by IC System. Since I am a victim of identity theft and have taken necessary steps to protect my credit along with filing a police report in the past, XXXX XXXX XXXX was unable to provide accurate information. Unfortunately, I am having to dispute this again which is causing unnecessary XXXX  and time. I don't understand how XXXX XXXX XXXX would sell a fraudulent account.. I am requesting a copy of the original contract between myself and the original creditor and original application with my signature.
Consumer complaint received 2021-12-06
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: EQUIFAX, INC. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Equifax Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX XXXX XXXX
Consumer complaint received 2022-10-16
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: LEXISNEXIS (WI)

I have a freeze on my Lexis Nexis report to not allow them to share any of my information with anyone and they are still sharing my information with credit buraus against my will. The information regarding bankruptcies was not furnished nor verified by Wisconsin Bankruptcy Court. I enclosed a letter stating these facts and this company verifies to the Credit Burao XXXX and XXXX as if they received this information directly from the court it is unvalidated information.
Consumer complaint received 2022-08-13
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. (NY)

I was online at the XXXX tree website. The site prompt me to put my personal information in so that it can get quotes from potential lenders who would be interested in funding me. The site also stated that there would only be XXXX soft inquiry on my credit report. On the Contrary, I ended up having all of these hard inquiries on my credit report from these various companies, Which I had no idea about. Plus, there where other accounts on my credit report that I didnt even knew where there! Unbelievable! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-30
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. (LA)

Address XXXX XXXX XXXX is on my credit report and i never lived there ever. I may be dealing with fraud because accounts was open with these companies i know nothing about. List of companies or XXXX XXXX XXXX, Midland Credit XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, 3 with XXXX XXXX XXXX  and XXXX XXXX XXXX. I have'nt open any acounts in XXXX or XXXX.
Consumer complaint received 2022-10-16
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. (AZ)

Reporting agencies are reporting inaccurate information and I tried numerous times by having both items blocked or removed. I havent received any information pertaining these two items. These two accounts has hindered me and a very uncomfortable way.
Consumer complaint received 2022-04-21
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)

In accordance to the Fair Credit Reporting Act, the following accounts has violated my rights : -XXXX XXXX : account number XXXX XXXX XXXX XXXX : account number XXXX XXXX XXXX XXXX XXXX : account number XXXX -XXXX XXXX  : account number XXXX 15 U.S. Code 1681 section 602 ( a ) states I have the right to privacy. 15 U.S. Code 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish your account without my written my instructions.
Consumer complaint received 2022-04-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NC)

XXXX {$180.00} refuse to refund my money after these unauthorized XXXX transactions on my account. Very bad unfair deceptive business practices claim # XXXX 15 U.S. Code 1693g - Consumer liability 18 U.S. Code 1030 - Fraud and related activity in connection with computers 4-214. RIGHT OF CHARGE-BACK OR REFUND ; LIABILITY OF COLLECTING BANK ; RETURN OF ITEM. 
XXXX. REFUND OF PAYMENT AND DUTY OF CUSTOMER TO REPORT WITH RESPECT TO UNAUTHORIZED PAYMENT ORDER. 
26 U.S.C. 6402 - Authority to make credits or refunds 4-302. PAYOR BANK 's RESPONSIBILITY FOR LATE RETURN OF ITEM.