davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-28
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)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS DATE : XX/XX/XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$850.00} Closed XXXX  Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX CARD   SERVICES Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that  reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2020-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I purchased a XXXX XXXX  on the Walmart website in XX/XX/2020 for {$470.00} plus tax ( {$490.00} ). I received the TV soon thereafter ; however, later I noticed I was charged a second time. I ordered one Tv, not two. I received one Tv. There is a bogus charge for the exact same amount on my Capital One Walmart Credit Card. Once again ... another exact charge on creditcard. Called once to Capital One,,, it was supposed to be looked into..do n't have the exact date. Called again around XX/XX/2020. Nothing was done prior and now they looked into this -- formally now. I was reimbursed on the creditcard soon thereafter -- temporarily. Then later Capital One says Walmart disputes the amt and the charges were placed back onto the creditcard. My dispute is with Walmart charging me 2 times. 

I was told to now supply all docs, receipts that I have and to fax to Capital One. Which I did on XX/XX/2020. Nothing heard yet. 

Would please like assistance to resolve this. I only ordered ONE TV. Please help as Walmart is charging my credit card for TWO tvs. 

Have docs for you when requested. Thanks for your kind help to resolve this >just want to be billed for exactly what I ordered ... .one TV. Take the second charge off my credit card.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (OH)

My complaint is against Midland Credit Management , Inc . 

The creditor Midland Credit Management forwarded the debt collection to law firm XXXX XXXX XXXX for legal action. The case was to be filed with XXXX XXXX municipal court on or around XXXX XXXX.for the amount of {$12000.00} I contacted XXXX XXXX XXXX on or around XX/XX/2022 And settled the account with a one time payment offer of {$10000.00}. 

The account was closed and the case through XXXX XXXX Municipal court was dismissed XX/XX/2022. 
I was told at that point to wait approximately 2 weeks for the activity to reflect on my credit report as paid.the communication would be sent to Midland Credit Management from XXXX XXXX XXXX. 
XXXX XXXX XXXX and XXXX XXXX clerk of courts sent me notification via U.S mail stating case was dismissed. XXXX XXXX XXXX sent additional receipts for payment, settlement and account closed. 
I have monitored my credit since XXXX this account is still showing negative. 

I have contacted XXXX XXXX XXXX 4 times requesting help on how to remove this from my credit they informed me that they Reported and informed mid land credit management that The account had been paid and there is nothing that they could do at this point. and that Midland management Was responsible for reporting the account not XXXX XXXX XXXX. 

I have called Midland credit management weekly since XXXX. And have Escalated the matter to their customer solutions department. They continue to tell me it will be a 7 to 10 days and the account will reflect on my credit. 

I have tried 2 times to dispute the credit reporting through XXXX XXXX. Midland credit management reported the balance being reported as accurate. 

I have all the documentation needed stating this account has been satisfied. I offered to send it to midland credit management they stated notarized documentation from the clerk of courts and receipts from XXXX XXXX XXXX is an unacceptable form of proof. 

I continue to call Midland credit management weekly and have the the same conversation. this account has been paid please Report it accurately on my credit report. they continue to tell me it will be removed/Reported accurately within 7 to 10 business days. It has not been. 

This negative reporting on my credit report is impacting my credit score tremendously and is keeping me from being preapproved for a mortgage and a loan to send my daughter to college.
Consumer complaint received 2020-08-28
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS DATE : XX/XX/XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed THESE INQUIRIES DO NOT BELONG TO ME The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2020-08-28
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)

XXXX XXXX XXXX  was found to be opened by someone else do to the XXXX  data breach it was deleted from my XXXX credit report because it was fraudulently opened
Consumer complaint received 2020-08-28
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)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS DATE : XX/XX/XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed THESE INQUIRIES DO NOT BELONG TO ME The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2020-08-28
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: Onity Group Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 - 30 days late??? I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2022-01-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (MD)

I was on a interest-only graduated repayment plan from approximately mid XXXX to late XXXX. At approximately mid-XXXX XXXX I received the billing for my XX/XX/XXXX payment and was told that my payment would be going from approximately {$190.00} to {$830.00} beginning XX/XX/XXXX. I thought it had to be a mistake as well I did not have the mental bandwidth to address the billing at that time and I thought I would call before the due date to get my payment adjusted since I knew I was on a graduated repayment plan. I called on XX/XX/XXXX and was told that the payment could not be adjusted, that the next step in the graduated plan included full principal and interest beginning XX/XX/XXXX. I explained that I am not working and hadn't been working all of XXXX but had been making interest payments which is what I could afford. I was told again that the payment could not be adjusted but to wait one week until the payment went past due to see if " the system '' would let the representatives make an adjustment. I did wait a week and called back and " the system '' wouldn't let an adjustment be made. This happened to be the very same day that Biden paused repayments on federal student loans. The representatives I spoke with were not sure why they couldn't make an adjusted payment schedule for me but were certain that their " system '' wouldn't allow it. I am writing because to go from a payment of {$190.00} to $ XXXXon a graduated repayment plan, particularly during a pandemic when federal student loans have been paused or otherwise very easy to make arrangements with is insane. To have my payment go up more than 400 % in the span of one month on a graduated payment plan is intended to put me and my family over the edge financially and otherwise ruin my credit. This will cause a severe hardship for us. This shouldn't be legal. I would like Sallie Mae to offer a reasonable graduated repayment option.
Consumer complaint received 2020-08-28
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: NAVY FEDERAL CREDIT UNION (VA)

I have a loan with XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) and NAVY FCU. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) and NAVY FCUwith no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC. (NV)

Yes, I have called you guys during the month of may or so, for the covid 19 help, and the guy spoke to me saying that I won't get any interested charge not until XXXX, since you guys wanted to help me during these hard time. and you guys send me a letter saying that you guys would push it all the way until next month .... so why am i still being charge for an interest on XX/XX/2020? 

I have also contact someone today ( XX/XX/2020 ) and he doesn't seem to know what going on and he told me that it would take him 3 minutes to look up everything but i waited 20 mins just to get a response back ... so you guys are lying to me and don't know how to keep track of time, I hope the whole world see this complaint!! 

I also dispute many and all of these XXXX transaction since i never gotten the item from them and they closed my account before i could even make a purchase ... ..so why am i stll being charge from XXXX!!
Consumer complaint received 2020-10-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

During the COVID 19 Pandemic the primary head of Household in our family became unemployed. The servicer of the mortgage Select Portfolio Servicing Inc. put our loan modification that we have been paying on time into  forbearance until the pandemic is over. 

They also said that we could apply for a loan modification and we submitted documents and was denied twice. 

The reason for denial the servicer stated that our income was not evaluated in the decision. 

The servicer is in violation of Federal Reserves requirements with respect to having to review all loss mitigation alternatives. They also must review my income as per the qualifying criteria set up by the FED. Under the FED 's Statement on loan modifications under COID 19 as of XX/XX/2020. They also must review to reinstate the previous active Loan Modification.

See attached supporting documents
Consumer complaint received 2021-10-28
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: Experian Information Solutions Inc. (NY)

I have filed a dispute with Experian and XXXX regarding incorrect items on my credit report. They are reporting a Chapter XXXX and Chapter  XXXX on both XXXX and Experian. Its been well over 30 days and I haven't received results from investigation. Both XXXX and Experian have violated my right to privacy... FCRA 15 US Code 1681 ( a ) Section 4. I will seek legal action against both if the don't comply with the law. They fail to comply with request for method of verification. I have provided them with documents from US Court stating that it is illegal for them to give out any information to Consumer Reporting agencies.
Consumer complaint received 2020-08-27
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: Financial Management Solutions, LLC (WI)

On XX/XX/2019. FMS Financial Solution added a derogatory mark on my credit report per XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for this account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or SIGNATURE for this accused debt at all. A bill without a signature does not validate the debt and anybody can send me a bill and say its mines. According to the FCRA FMS Financial Solution has violated my rights in multiple ways and I'm requesting legal action to remove this account Immediately.
Consumer complaint received 2020-08-27
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. (DC)

Ove the last 60 days multiple unauthorized auto finance inquires present on my consumer reports from unknown creditors. 
In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : Alleged Creditor # 5 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX Auto Financial XX/XX/XXXX Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XX/XX/XXXX Alleged Creditor # 2 and the  ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XX/XX/XXXX Alleged Creditor # 3 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XX/XX/XXXX Alleged Creditor # 5 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX  XX/XX/XXXX Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX  XX/XX/XXXX Alleged Creditor # 2 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : SXXXX XX/XX/XXXX Alleged Creditor # 3 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX  XX/XX/XXXX Alleged Creditor # 4 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : Ally Financial XX/XX/XXXX
Consumer complaint received 2020-08-27
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. (LA)

The 3 credit bureaus, XXXX, XXXX & XXXX are reporting accounts that were not authorized by me. I have submitted documentation per 605B supporting these fraudulent accounts. The credit bureaus have failed to remove
Consumer complaint received 2020-07-06
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: Experian Information Solutions Inc. (AR)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.
Consumer complaint received 2020-07-06
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. (AR)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.