davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-02
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. (FL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rubin & Rothman, LLC (NY)

Rubin and Rothman, LLC sued me Last year for a Debt I did not Have with Them or Owed them At All. And Has Unlawfully Reported it to The Consumer Reporting Agencies without My permission and Has Cause me Severe Loses. Due to the Inaccurate Information that is on MY Credit Profile.I did not given RUBIN AND ROTHMAN Permission to Contact Third Parties with my Private or Personal Information. By Obtaining my Credit Profile on XX/XX/21. Without Permissible Purpose RUBIN AND ROTHMAN Violated The Fair Credit Reporting Act. { FCRA } codified 15 USC 1681 { b } { a } { 3 } { f } { i }. I have not Initiated Any Transaction with RUBIN AND ROTHMAN, Furthermore I do not have an Account as Defined under 15 USC 1693 { a } { 2 } for Review or Collection. And Must Delete That UNAUTHORIZED INQUIRY IMMEDIATELY.
Consumer complaint received 2022-09-19
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: EQUIFAX, INC. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I'm not swayed that you've efficiently pleased the principles of the Fair Credit Reporting Act in completing your investigation. My research has shown me that according to Section 1681 ( g ) it is important to have me along with an outline in the approach utilized to check that this account is in collections and forward me the name and addresses of persons contacted in every regulation based in the FCRA. In addition, noticed that there's no name indicated on this account that is not totally 100 % legitimate please make sure to eliminate the item. 

Original creditor : XXXX Date opened XX/XX/2021 Balance {$380.00}
Consumer complaint received 2022-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX/www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission.

I C SYSTEM XXXXXXXXXXXX Date Opened : XX/XX/20 Balance : {$540.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-04-09
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. (NC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2022-09-19
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. (CA)

Due to COVID-19, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. I tried contacting the XXXX credit bureau and told them that the bank agreed to not report the late payment account. I believe XXXX is violating FCRA Sections 611 and Cares Act. Below are the accounts with erroneous information and Id like to be remedied ASAP. XXXX XXXXXXXX Date Opened : XX/XX/18 Balance : {$4300.00}
Consumer complaint received 2022-09-19
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: Experian Information Solutions Inc. (PA)

After careful review of my most updated consumer report, I have noticed that there are fraud accounts that still appear on my credit report after reaching out to the consumer reporting agency several times and providing all FTA affidavts and documents. I was informed that an alleged investigation would be performed.

My consumer rights have been violated and I would like this matter reinvestigated as soon as possible.

Within this complaint you will find all documents that were sent several times to have this matter addressed.

FTC, ID
Consumer complaint received 2022-09-19
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. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account status which is currently confirmed on my own credit report is having a drastically adverse effect on my opportunity to acquire approval for a new loan, be sure to generate evidence that this is being noted efficiently as per the Fair Credit Reporting Act rules ; this is truly a crucial point to misreport. My proper demand requires reviewing directly and proving to be precise. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (WV)

I made a payment on XX/XX/XXXX, again on XX/XX/XXXX, and again on XX/XX/XXXX. After every single payment I received a email saying thanks for your payment then 3 days later payment reversal. And, next it is on my credit report. I had to dispute the credit report to get it fixed. I've cancelled the card, but now they are saying I still owe there fees. I NEVER USED THE CARD! I have had money in my XXXX account and my XXXX account to cover every payment as well. I tried to pay the card with both accounts and both got reversed. It seems to me that INDIGO is just messing people 's credit up worse.
Consumer complaint received 2022-03-02
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (MA)

On XX/XX/XXXX, I called Paramount Residential Mortgage Group ( prmg.net, the lender ) for a credit dispute due to an error in the system earlier in the summer ( I did not find out about this error until XX/XX/XXXX when trying to open another loan ). The new lender said I would not be able to proceed with the loan until this credit dispute would be resolved, or at the very least until I'd receive a letter from PRMG explaining that this delinquency was not my fault. My loan # is XXXX and it's serviced by NJ branch of this business. 

After 3 representatives who had problems with their phone ( many of their reps seem to have bad phone lines w/ static ) I was finally transferred to a representative who could hear me. The lady on the phone was polite, and she claimed to have opened 2 work orders : XXXX being the dispute with the credit bureau and another a request for this internal letter from another department ( why their own department is able to see that the error was indeed due to a faulty auto-pay system but isn't able to issue this letter that would take all of 15 minutes to write is beyond me ). She also took down my email for the digital copy of the letter to be mailed to. This conversation took place on XX/XX/XXXX, she promised 7 business days for both. 

I called back on XX/XX/XXXX to confirm that both work orders were being processed, the girl said to expect the credit dispute done by XX/XX/XXXX and the internal letter with explanation for the new lender by " next Monday '' ( XX/XX/XXXX ). Today, after not receiving the letter I called again ( and also encountered 3 reps with bad phones before getting to one that could talk almost 2 hours later ). She said she had the letter in hand and would email it to me. 4 hours later, after no email, I called again, only to be told that no work order for the letter from XX/XX/XXXX exists and it was just recently opened earlier that day. I was told to expect it by XX/XX/XXXX. I asked to be forwarded to the manager, but instead was put back on hold and returned back to the main phone prompt. The manager seemed to be avoiding me. 

Either I was lied to both on XX/XX/XXXX and XX/XX/XXXX by different individuals or their system is broken. This letter explaining that the delinquency was due to error with their autopay system and not my own doing was requested back on XX/XX/XXXX and I need it urgently to proceed with another loan. They lied to me about processing this letter, and about 7-business day turnaround.
Consumer complaint received 2022-01-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently got a copy of my credit report and have noticed some accounts that i have zero knowledge of. I have contacted the following companies about these accounts and have supplied them with the necessary documents to have them removed, yet the still are being furnished. see attachments
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: FREEDOM FINANCIAL NETWORK (NY)

I rolled my debt into freedom debt relief. I was impressed by the agent XXXX XXXX, I explained in a hardship situation, may have issues down the road with payments. He unequivocally stated it wouldnt be an issue. 
Im in a worse crisis with my sickly mom and freedom has not paid a dime to my creditors, I even was sued by XXXX XXXX XXXX and lost. 
Their attorney told me freedom was my power of attorney. 
I cant give them more money I dont know what to do. 
Im in a heinous XXXX XXXX XXXX XXXX situation also financial abuse and have been musing payments I call but I cant continue. I am single not that well and scared to death. 
They didnt even know I was sued info I found out in XXXX after a few things didnt add up. 
I was current then Im totally blown away now I see thieve had problems in the past. Please call XXXX I have to find another company.
Consumer complaint received 2022-09-19
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. (MD)

I am XXXX XXXX, and 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (MO)

I applied for an unsecured credit card with Discover in XXXX of XXXX that they advertise that if you make your payments on time for 6 months you will receive your deposit back with a possible increase of a credit line. I have made my payments on time ( sometimes 2 and 3 times a month ) for about 16 months and have not received my deposit back. I called XXXX on Monday XX/XX/XXXX and was transferred to a supervisor. I spoke with him and told him the situation and I ask why I haven't received my deposit back when I had made all my payments on time for 16 months. He said he would send a request for information and to call XXXX in XXXX hours and I would be told what is going on with my account. I called today XX/XX/XXXX well over the 48 hour mark and I spoke with a supervisor named " XXXX ''. She said they are unable to tell me why this is happening to my account and that the previous supervisor did not put a request in and she could be of no help to me. I then called the cooperate office for Discover at XXXX and I was told again there was nothing they can do to check my account to see why this is happening and why the system review is not working for my account they they have no back up reviewing system in place if this is happening to their customers. I believe this is false advertising and I have done everything I needed to do in order to get my security deposit back and the system is not working. I am attaching a copy of my transaction history for the account to show that the payments were made on time well over the 6 month limit. My payment amount is usually {$20.00} a month unless the balance is less as you can see I also have made more then the monthly required payment. I have also paid my car loan on time or earlier. The site also mentions monthly reviews, it doesn't mention if those reviews are completed my AI technology or human. As far as my credit score it has not dropped since I started using the card so I don't think this would be a factor either.
Consumer complaint received 2022-12-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (GA)

I am constantly receiving letters from Jefferson capital systems Trying to collect on a debt that I do not own I have reached out to the company on several occasions and the company refuses to Validate such claims and continues to harass and threaten to garnish my wages and/or salary if demands are not met
Consumer complaint received 2022-12-12
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (OR)

I have a VA loan and I was given a loan modification verbally over the phone. I never received the paperwork that I was supposed to sign in the mail. Again, I was only verbally advised. By the time I did receive the paperwork to sign and send back it was too late to make the payment. Every time I called in it was a different person providing me different information. This was very confusing to me every single time I spoke to a person it would be a different story. XXXX was very well aware I did not receive my modification paperwork. At this point I retired military as well as XXXX XXXX Ive been in the military for over XXXX years and the way my VA loan was handled is unacceptable. Im going to lose my property due to the fact that the money source did not properly handle my file. 
I want nothing more than to be given a fair chance at making my payment. The amount if times I spoke to the Money Source should be documented and should extinguish any attempted excuses from them. 
I did not fight for my country, risk my life, in order to lose my home because the Money Source hired incompetent employees who neglected my file.
Consumer complaint received 2022-01-20
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: CITIBANK, N.A. (NY)

This company is currently showing late. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. ( XXXX XXXX  XXXX )
Consumer complaint received 2022-10-26
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. (IN)

I opened an account with XXXX retail credit. Unfortunately I had caught XXXX literally a month after. XXXX of XXXX. I reached out to XXXX and informed them of my situation as often as I could. I was hospitalized for 3 months and 4 months of XXXX XXXX. They always tried to enroll me in different programs. They are so hard to understand on the phone as it's a major language barrier between them and I. They have stated I changed my number in an email. They have sent me an email that I informed them that I'm in bankruptcy. I am not in any bankruptcy. I call them and said this is incorrect. They advised me them received information from a 3rd party. Then I just recently got a statement in the mail to make a minimum payment due by XX/XX/XXXX for XXXX. 
I disputed this with XXXX, XXXX and Equifax. All 3 credit reporting agencies have different data. This information that XXXX is 100 % inaccurate, false and damaging to my personal credit report and fico score.i have made several attempts to dispute and resolve this matter and I am exhausted. They are reporting that I've been affected by a natural disaster.. They have a noreply email so you can't dispute anything they send. When I call every person has something different to say and there is never a manager there to resolve my complaints and disputes.. but they want my money with no paperwork and or agreement. As you see the account is closed and yet they ask me for a minimum payment. I demand this account be settled as soon as possible and since the credit reporting is so inaccurate it must be deleted immediately as the credit reporting agencies have not properly disputed this account properly or accurately.
Consumer complaint received 2022-11-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MI)

My mortgage was sold to MR Cooper back in XXXX. Followed the instructions for the onboarding process as written. Spend somewhere between an hour or XXXX last year being transferred from person to person making sure my XXXX XXXX XXXX was going to be paid on time. They apologized for all the delays in the onboarding process. Sadly enough it was late. I had to pay it out of my pocket to make sure my coverage stayed in place. This was for coverage last year. This year once again my XXXX XXXX XXXX  has been paid on time. It was due on XX/XX/XXXX. XXXX has lapsed! According to MR Cooper 's website, It states it was paid on XX/XX/XXXX. I was catching up today XX/XX/XXXX and logged onto XXXX website and it shows payment past due. Once again my coverage has lapsed. This is XXXX years in a row!
Consumer complaint received 2022-01-20
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: Experian Information Solutions Inc. (TX)

Im disputing a account named XXXX XXXX IN the amount of XXXX as identity theft and i didnt apply for this account and i would like for a dispute be open with document attached i did not apply for this card and its showing both of them reported on my experian credit file
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

CFPB + Experian, As of todays date, XX/XX/XXXX, I pulled my Experian credit report - it shows a 60 day late payment on XX/XX/XXXX from XXXX  XXXX. 

I have a letter from XXXX XXXX to *remove* this 60 day late payment from my credit report. 

To this complaint I will attached : - drivers license - social security card - address - screen shot where 60 day late payment shows on credit report from XXXX  XXXX - my written complaint - letter from XXXX  XXXX Please have this removed as soon as possible as I am buying a house and this is damaging my credit.
Consumer complaint received 2023-01-14
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: Experian Information Solutions Inc. (PA)

I have did a thorough investigation on my credit report and seen a collection on my credit report that doesn't look right. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2022 Amount {$430.00} XXXX sent the company a cease & desist. 
This account is not mine. Also, I checked the company licensing on NMLS website and they are not licensed to collect debt in the state of Pennsylvania. 

Lastly this account is not reporting on XXXX or XXXX. ( refer to screenshots to see closed on both accounts via XXXX XXXX )