davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

I filed a CFPB in the past against XXXX XXXX XXXX ( please refer to complaint XXXX ). This complaint was due to an erroneous account being opened due to a duplication error. I applied for an account but it opened 2 accounts due to an error with XXXX system. It looked like I used XXXX  to purchase 2 sets of the same tickets 2x from XXXX at the same time. XXXX investigated and sent me a letter stating that they determined it was a duplication error and that I was not responsible for the account ( account # XXXX ). While the dispute was going on, XXXX had reported the account past due to my Experian report, but when they determined it was an error, they closed the account immediately. However, due to the past due status it dropped my scores significantly and when they closed it it remained. I took the letter XXXX gave me and submitted it to Experian to ask them to remove the account from my account. I'm a XXXX XXXX and the adverse on my credit could effect my XXXX XXXX status so I was trying to get it resolved immediately. Experian came back and told me that the account was going to remain on my report because XXXX validated that I am responsible for the account. I called Experian and spoke to the representative to ask how XXXX has validated it when they gave me a letter stating otherwise. The rep told me he was unsure because there was no record in Experian 's system showing that XXXX had sent any documentation proving that the account was mine. He had me submit another dispute with him over the phone and walked me through how to resubmit the letter from XXXX. Well Experian came back again and gave the same results that the account and information would remain on my report. 

I do not think Experian has done their due diligence in verifying information especially because I was told there was no documentation on file from XXXX counteracting my dispute but they did have a letter from XXXX that I submitted and they refused to acknowledge it.
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I seen that I had a bankruptcy on my credit profile and I contacted the courts and they stated with the information given to them that I never filed bankruptcy in there courts ; and that if theres an inaccuracy on my credit report that I should contact the credit agencies. After a couple months of disputing the credit agencies never gave me a fair investigation on the inaccurate information reported. I also contact XXXX XXXX and gave them documentation that I was received from the court they deleted the information off of my XXXX report which the credit bureaus pull from I demand that this public record is deleted off of my consumer reports for a violation of the FCRA 15 USC 1681i and if this is not done immediately I will file for litigation at my local court office
Consumer complaint received 2021-10-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (OH)

I previously received a letter from XXXX XXXX XXXX  sometime in XX/XX/XXXX concerning a transaction on my bank account. I sent them a letter XXXX XXXX discussing the matter and disputing their claim, in which they never responded. This account was sold or sent to Sunrise Credit Service without any investigation or answer to my dispute. I then viewed my credit report noting an alleged account to Sunrise Credit, saying that I owed them {$1700.00} on my reports. On XX/XX/XXXX, I sent them a dispute asking them, among other things, to verify and validate the claim, showing a contractual obligation with my signature showing that we had done business or that I had owed them. They then sent me a bill but no contract or other obligation with my signature or anything to prove they had the right person or it was me. On XX/XX/XXXX, I sent them a final goodwill attempt, with law showing the same allegations asking them to clear up this matter or prove that this account was mine. They disregarded or ignored my request again, sending me the same bill, with no explanations. I understand with federal and state law, under the FDCPA, FCRA, and others, that consumers have rights, particularly, to have alleged debts be verified.
Consumer complaint received 2021-08-08
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. (MD)

Hey guys! There are still inaccuracies on my credit report. For example, this account has two different account numbers. Now, If you have already done an investigation, I want to know how you missed an error like this? 
XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX The date of first delinquency is inaccurate. 
The name of the creditor is truncated and unidentifiable. 
The account numbers are incorrect, truncated and unidentifiable. 
The payment history has been reporting incorrectly for many years now. 
There is no notice of dispute. 
And there are at least 3 other issues that I will not name at this point as I would like you to actually do an investigation. 
I do not understand why you wont investigate my account?!!!! What's the problem? You are literally ruining my life by reporting these old accounts that are just burdening the both of us.
Consumer complaint received 2022-06-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (IL)

On XX/XX/2022 Caine & Weiner received my demand for debt validation Pursuant 15 USC 1692g requesting a full audit trail, including a ledger signed by the accountant who oversees Account # XXXX. Caine & Weiner sent me a copy of a final bill from XXXX XXXX XXXX XXXX  in response. This final bill gave me no information to verify this alleged debt, as Id never done business with them. Caine & Weiner is preventing me from exercising my right to validate a debt. This is directly impacting my ability to secure new lines of credit. California Attorney General, XXXX XXXX, has been copied.
Consumer complaint received 2022-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to state that this is complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my TransUnion credit report recently and found an unauthorized inquiry reporting on my credit report. I wrote TransUnion a letter on XX/XX/XXXX to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. Much to my dismay TransUnion wrote me a letter back stating that " we wont process your request ''. ( because they think that I did not write the letter of dispute myself ). I am a trained XXXX with very high education and i am able to write my letters of dispute without need for a third party. 
TransUnion is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist. 

COMPANY : XXXX XXXX INQUIRY DATE : XX/XX/XXXX Attached is the letter i wrote to TransUnion and the letter TransUnion wrote back to me refusing to process my dispute. 
i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.
Consumer complaint received 2021-08-08
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: Experian Information Solutions Inc. (FL)

First of all I had a credit score in 2020 and at that time I was definitely not applying for credit or having any credit lines open or anything like that now all the sudden a year later I have no credit score whatsoever in any credit bureaus they tell me that I have two accounts opened under my social then they say they didnt I have sent my ID my social and letters verifying my identity and I made a report in the last report came back that they had no customer that matched that name like something about a third-party authorization I am making this complaint XXXX XXXX no one else is making this complaint for me this company is really affecting me during a pandemic every time I apply for something I cant get it and it always goes back to Experian yesterday I applied for a bad creditNo credit loan and it comes back I have no credit report that is crazy when I pay for credit monitoring every month for {$20.00} they send me all type of alerts that they dont know where they came from they said they never help me fix anything on my credit report they have fraudulent accounts open after Ive already sent them police reports and they also have inquiries with the wrong phone numbers beside the name of the business now INo theres not that many people going through all this kind of craziness this is absolutely harassment and I want it to stop they are affecting me and my children for no reason I want a credit score I want all the inquiries off of my credit report or not mine and I want them to stop telling things that I applied for the wrong information about me and then Im also hearing they have me reported dead so I have no clue whats going on but they need to get it together because I am going to call the state attorneys office next or something news channel I have no clue what to do but this is not fair when we have a fair Reportingcredit act Thank you for your time
Consumer complaint received 2021-08-09
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. (GA)

I FEEL LIKE THE CREDIT BUREAUS ARE TAKING ME FOR A JOKE I HAVE TRIED SEVERAL TIME STO REMOVE THE FRAUDULENT ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT REPORTS I HAVE FILED AN IDENTITY THEFT AND THEY KEEP SENDING ME A GENERIC LETTER SAYING THE ACCOUNTS HAVE BEEN VERIFIED. I WANT TO KNOW HOW THEY VERIFIED IT IF THEY WERE NOT PHYSICALLY THERE TO WITNESS THE FRAUDULENT TRANSACTION. ACCORDING TO THE FCRA THE FRAUDULENT ACCOUNTS ARE TO BE BLOCKED WITHIN 5 DAYS MY RIGHTS AS A FEDERALLY PROTECTED CDONSUMER ARE BEING VIOLATED. I NEED THE 2 XXXX  XXXX ACCOUNTS REPORTING ON MY CREDIT REPORT TO BE REMOVED IMMEDIATELY ENOUGH ISN ENOUGH THIS IS RIDICULOUIS THEY ARE RUINING MY LIFE!! I BARELY SLEEP BECAUSE OF THIS BECAUSE MY CREDIT REPORT IS MY REPUTATION AND YOU ARE RUINING IT
Consumer complaint received 2022-07-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

I have communicated with UWM numerous times regarding the incorrect balance in my escrow account. The correct amount should be {$3000.00}. My most recent mortgage statement dated XX/XX/2022 reflects an escrow balance of {$2800.00}. The online system as of today, XX/XX/2022 reflects an escrow balance of {$2800.00} as well.
Consumer complaint received 2022-03-07
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)

XXXX  is refusing to delete /Remove my paid in full accounts XXXX XXXX accounts reported in different areas on my XXXX  credit report even after the company stated the accounts are being removed because the accounts are paid in full and being reported in different area on my XXXX report as a potentially negative account which is wrong and it must be corrected. The company XXXX XXXX advised that the Three credit bureaus would be notified. However XXXX  Equifax XXXX, XXXX XXXX and XXXX XXXX is refusing to remove the multiple paid XXXX accounts from my credit reports listed above. This is also with my XXXX accounts being reported in different areas on my credit profile being reported with the account mutiple times that's paid, XXXX XXXX XXXXXXXX, XXXX and XXXX XXXXXXXX XXXX XXXX These accounts are reported more than once in different areas on all three credit reports.
Consumer complaint received 2021-02-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

This is the appeal I sent to Spservicing. 
I initially reached out to SPServicing in XXXX because I had lost business due to the corona virus. They offered me a forbearance on my mortgage payment. I had never been late on my mortgage payment. I accepted the forbearance but I really wanted a modification. I asked repeatedly about applying for a modification but was told I had to wait until my forbearance was over. At that time, one of the options was to have the forbearance added to the back of my loan. I was sent paperwork that had that as an option. I called about once every other week to find out what was happening with my loan. My forbearance kept being extended. After the initial forbearance I was offered an unemployment plan. They said that at the end of that time someone call and I could apply for the modification. 
On the XX/XX/XXXX I received paper work offering a repayment plan. The repayment plan was to pay {$4600.00}. A month for two years. I was shocked that I would be expected to pay this amount. I thought the whole point of the forbearance was to help people in need. First of all, the repayment figures are incorrect. My loan is an adjustable and I had just received a notice that my new payment was reduced from {$3300.00} to {$2800.00} on the first of XX/XX/XXXX. My loan adjusts the payment every XX/XX/XXXX. This repayment had me paying 24 payment of {$3300.00} instead of the amount that I am responsible to pay, {$2800.00}, and how does anyone know what the payment will be in XXXX? This was in addition to the {$31000.00} broken down monthly for two years. 
This amount is beyond what I could afford to pay. We are still in the pandemic and it has gotten worse instead of better. 
I called and asked why I wasnt allowed to add this amount to the back end of my loan and was told that I couldnt do that because I missed too many payments. I was never told there was a limit and I asked this many times. I also wonder why I couldnt apply for a modification. I was denied even applying. There is no explanation for this. 
One of the problems has been that everytime I call I get contradicting information. 
I want to apply for a modification. I dont want to lose my home. 
I have lived here since XXXX and have managed to hold on to it through divorce where I had to refinance and pay off my ex husband. At that time my problems started by having to get an adjustable loan. I have had years where my payment went up {$700.00}. And I still managed to pay my loan and I will in the future. I have an XXXX XX/XX/XXXX and a XX/XX/XXXX and have always been able to pay the mortgage, taxes and insurance until this pandemic. I want to have a lower payment that is fixed and it could even be extended if possible. I just want to keep my home. 
Please let me know what I can do to pay this debt in an affordable manner and to continue with a modified loan. 
Thank you for your consideration. 
XXXX XXXX XXXX from my XX/XX/XXXX
Consumer complaint received 2022-03-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Herbert P. Sears Co., Inc. (AZ)

I financed some expensive dental procedures through XXXX XXXX. The contract I signed had no late fee and no interest component. Due to personal circumstances, around {$7300.00} of the original {$23000.00} debt remains payable. The debt now resides with a debt collector who calls periodically -- the calls come through on personal lines, and do not appear to be coming from a business or agency. When I answer, they force me to identify myself and state they are with the company ( HP Sears. ) I then assert that I will not discuss anything until they provide me with statements itemizing the fees and charges and how a {$7300.00} bill now stands at nearly {$10000.00}. It is my understanding that they must provide these itemized charges, as well as make statements available to me for me to review, which they have so far refused to do. 

Furthermore, I have attempted to initiate a dispute with all three major credit reporting bureaus, only to be stymied there because the bureaus always find in their favor. I know for a fact there is no interest or late fees because about a year into paying the bills -- and I was paying {$500.00} a month -- Western Dental changed their systems TO charge interest and late fees and tried to get me to sign a new agreement for a " lower '' amount and I refused. Furthermore to that point, when the system change went into effect, my due date shifted, and for a few months it took me calling every month to have them remove the " late fee '' they weren't entitled to charge because ( a ) there was no mechanism for them to do that, and ( b ) I wasn't actually late due to the original agreement I had signed. 

This has been a mess, and nobody will help me. I'm just now getting back on my feet and I really resent that they've made this needlessly difficult. I have/had over {$100000.00} in debt, and EVERYONE who was willing to work with me during the rough times got paid. It's only been a relative few who have behaved like sharks that haven't gotten what was owed, but I absolutely REFUSE to pay ANYTHING on this account until we can get the situation squared away.
Consumer complaint received 2021-08-09
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. (NJ)

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NJ XXXX To Whom It May Concern : I am sending this over because there are fraudulent accounts on my credit report. These accounts are NOT mine ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of both my social and my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, XXXX XXXX, also did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of permissible purposes of consumer reports, 15 USC 1681b- ( a ) ( 2 ). NO CONSENT IS IDENTITY THEFT. Please also send me an updated credit report reflecting these changes. Thank you. 

Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiries XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX  XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX/XXXX  Inquiry : XXXX XXXX, XXXX XXXX/XXXX  XXXX  XXXX  Inquiry : XXXX XXXX, XXXX Please review the attached copy of 605B of the FCRA for your recollection. Thank you Along with this letter I have sent the following : 1. FTC Claim 2. A copy of section 605B of the FCRA, that requires you to block this fraudulent information within 4 business days.

3. A picture of My license which should be enough to identify me being that you have my alleged personal information without my consent
Consumer complaint received 2021-08-08
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. (TX)

i have been trying to dispute inquiries on my XXXX, XXXX  and Experian but every time they don't remove the inquiries and they are still on my report. I did not authorize these inquires and they are fraud which i explained to them but they wont remove them.
Consumer complaint received 2021-08-08
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. (TX)

i have been trying to dispute inquiries on my XXXX, Transunion and XXXX  but every time they don't remove the inquiries and they are still on my report. I did not authorize these inquires and they are fraud which i explained to them but they wont remove them.
Consumer complaint received 2023-01-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I received loan document from ace under item number XXXX dated XX/XX/XXXX stating past due amount due XXXX Break down listed as, principle XXXX, interest XXXX and fees XXXX last payment amount XXXX on XX/XX/XXXX from loan dated XX/XX/XXXX. 

I only borrowed XXXX with XXXX taken biweekly. I have almost paid back loan amount principal and now they are stating i owe them an additional XXXX?? Additionally as you can see from last payment date this is harassment. They also harass my phone. Im not sure whats going on. I would not have signed up for this or anything where my payback would exceed {$6200.00} on a {$2000.00} loan i took out a month and a hald ago. I dont understand this or the fees. This seems illegal.