davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-31
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 2022-12-31
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. (GA)

I am delighted for your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have still Items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX ( Original Creditor : GEORGIA XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX ( Original Creditor : GEORGIA XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX ( Original Creditor : GEORGIA XXXX XXXX XXXX XXXX XXXX : {$680.00} XXXX ( Original Creditor : GEORGIA XXXX XXXX ) XXXX XXXX XXXX {$1600.00} XXXX XXXX ( Original Creditor : GEORGIA XXXX XXXX ) XXXX XXXX XXXX {$68.00} ( Original Creditor : ) XXXX Balance : {$120.00} ( Original Creditor : ) XXXX Balance : {$77.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2015-06-11
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (OH)

A few months ago, I noticed that my current mortgage company, Carrington Mortgage Services LLC, tried to deduct funds from the wrong account ( savings instead of checking ). As soon as I found this, I tried to contact them multiple times to correct this error. They refuse to respond to my E-mails or return my calls. I 've made every attempt to resolve these issues with them but they refuse contact me or work with me in any way. My online payment option has been disabled and they wo n't accept any form of digital payment ( over the phone or otherwise ). Currently, they are forcing me to send them cashiers checks via mail. This is a big problem for me since I have a job in which I may be away from home ( and my bank ) for several weeks at a time. I recently tried to refinance my mortgage through another company to get away from them. However, they reported that I made my payments late to the credit bureau and I was n't able to get my loan approved ( all delays were caused by the mortgage company ). I have copies of my past E-mails where I attempted to contact them and bank statements showing that I 've always had more than sufficient funds to make my payments.
Consumer complaint received 2022-12-31
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: EQUIFAX, INC. (CO)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-31
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MS)

In XXXX XXXX I lost my job, and XXXX repossessed my car. I tried my best to have the car reinstated, but I was unsuccessful. This repossession on my credit report killed my scores tremendously and I was unsuccessful obtaining credit anywhere. In XXXX and XXXX, I started working hard to catch up on debt, and reestablish myself so that I may become credit worthy again. I reached out to XXXX multiple times to try to find out what happened to the car because I did not receive anything from them explaining to me what was going to/what happened to the car They not only denied me access of buying back the car, they also never gave me the chance to reinstate the car. In XXXX of XXXX, I pulled my credit report and saw that the car was still listed as open, and in repossession. And Every month it reported as being late. I disputed the account with XXXX and the credit bureaus and according to them the account is reporting correctly. But how is this so when the account is reporting different data to each furnisher? How is this so when the car was repossessed over 5 years ago? Was it sold, Shouldnt it be listed as a charge off? And if its a charge off, should it be listing late payments? When did the late occur? And why is the balance still the same, was the car not sold? Who was it sold to? Is the account charged off? If so, why is my credit reports stating different? Every month the credit bureaus are allowing this company, XXXX to report inaccurate, incomplete, unverifiable information. The open date is inaccurate, the close date is inaccurate, the status is inaccurate, the payment history is inaccurate the balance is incorrect, the date of last payment is incorrect and the date of last activity is inaccurate and each of these categories is reporting different data to each data furnisher month after month after month. For many years. This company is updating incomplete, unverifiable, and incorrect information every month. I have disputed these unverifiable inaccuracies in writing, on line, and by phone with XXXX, Experian, XXXX, and the company ; but yet these data furnishes still allow this company to destroy my credit worthiness by intentionally reporting incomplete, unverified, and inaccurate information every month for 5+years. This company is intentionally destroying my credit worthiness by intentionally violating the FCRA requirements by intentionally reporting incomplete, inaccurate, and unverifiable information. 

PLEASE HELP BECAUSE I HAVE SUBMITTED MANY DISPUTES BUT THE COMPANY AND THE CREDIT BUREAUS CONTINUE TO '' UPDATE '' THE ACCOUNT WITH INACCURATE, UNVERIFIABLE INFORMATION ALTHOUGH THEY CLAIM TO HAVE INVESTIGATED.
Consumer complaint received 2022-12-31
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 submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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 are the list of items which do not belong to me or were opened without my permission. 

XXXXXXXX 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 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 2019-02-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Western-Shamrock Corporation (TX)

Talked with western finance last month before the due date and told them I was having some money issues and I would take care of it as soon as I can. That day was XX/XX/2019. Today is the XXXX  XXXX. They came out at XXXX. Asking for payment and I already called and told them I would take care of it soon. They want me to call everyday and my phone is not working. I was in a car accident 2 and a half years ago and I'm waiting for my settlement. I've tried to work with them but they come by the house. And they want me to call everyday. I've done my part. I want them to stop harassing me.
Consumer complaint received 2022-12-31
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. (MI)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX Bankruptcy XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Bankruptcy XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C. 1681c. ( e ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A. (NY)

I sent out an Identity Theft Report letter to the Credit Reporting Agencies on XX/XX/2022 under the suspicion that my identity has been stolen and used without my express consent. I sent out this letter and since then many items on my consumer report have been removed/deleted like requested. Currently my consumer report does not look the same at all across the board ( XXXX XXXX XXXX ) and almost all of the accounts requested have been removed. 

On or around XX/XX/2022 Citibank ignored the fact that there was an ongoing investigation of the validity of the accounts they insist on reporting and collecting an alleged debt from, insisting on not only the accounts but also report late payments. This is against the law. 15 USC 1666 ( b ) states that they can not report late payments to my consumer report. Citibank has also been calling non-stop in an attempt to collect a debt unlawfully on since on or around XX/XX/XXXX even after sending them multiple verbal and written communications to cease and desist. I did not give them my express consent to call me. They have been calling from suspicious, unknown telephone numbers and it seems that they will not stop. This is causing me stress/anguish. Please expedite this response as this is an urgent matter I'd like to get taken care of immediately.
Consumer complaint received 2016-05-07
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (CA)

In XXXX JP Morgan Chase appraised my home at a little over $ XXXX. The first lien was $ XXXX with XXXX XXXX XXXX. Chase granted a line of credit for $ XXXX, interest only loan, at a variable interest rate, with a payment of about $ XXXX/mo. So, now I had a second lien, making the total of both liens $ XXXX. As the end of my term was approaching, in XXXX, I wanted Chase to refinance the LOC into a fixed rate, conventional loan. Chase claimed my home was no longer worth $ XXXX and that I was upside down in equity. MY new home value was estimated at $ XXXX. I was stuck with the interest only loan. Chase said they could n't help until I had 20 % equity. I received a letter stating the payments would increase from {$480.00} to {$1800.00}. I asked if they would consider deducting all the interest paid to date, which was about $ XXXX at the time. This would give me the room I needed to refinance. They refused and suggested I modify the loan. But I could n't modify the loan without modifying the first lien with XXXX XXXX XXXX. XXXX was not a problem loan - it was a fixed rate conventional loan. Nevertheless, they were willing to refinance under HAMP but i could n't get rid of Chase and combine the loans because, again, the home value was too low. Chase forced me to pay a {$300.00} fee to allow XXXX to modify. After closing on the HAMP, Chase was willing to modify the LOC. Here comes the worst part! In order to have affordable payments and not lose my home, I agreed to the one option Chase offered ... .. Another LOC at $ XXXX/mo, interest only ( again ) payment at a fixed rate for FORTY YEARS. I will have paid in full by year XXXX, at the old age of XXXX years old, according to the loans docs. I will have paid more than double the original amount of the LOC, if I live that long. I have been cornered, bullied, taken advantage, and misused. While many have had their debts forgiven, I have been forced to accept their loan. All the while, never missing a payment on any of the home loans. I ca n't refinance, I have no equity, I have been paying on a LOC that basically has the same balance due from when I first received the loan. 10 years later, I still owe $ XXXX. 
What do I want? To date, $ XXXX in interest has been paid to Chase. I want that amount deducted from the loan. This would give me the 20 % equity that I need to refinance and merge both the first and second loans at a affordable payment. I want a conventional fixed, low, rate. I do not want the deduction to negatively affect my credit. A negative would put me back into the same bad situation, not allowing for me to refinance. Also, I do not want the deducted amount reported as added income to the IRS. The amount I am requesting is not a forgiven unpaid balance. It is the amount I PAID in full. 
Any help you can offer would be Heaven sent. Thank you for your intervention.
Consumer complaint received 2022-12-31
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-12-31
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: TRUIST FINANCIAL CORPORATION (FL)

Hello I recently found out about being in XXXX XXXX I've never had an over draft also not for this bank, I can't open a bank account previously I've had accounts close with banks telling me it's for my protecting my identity which was strange, so I recently pulled my report an overdraft for sun trust bank for over 1200 dollars how's that even possible I receive disability this happened in 2018 I'm just finding out also I've made a police report my identity has been stolen in XXXX XXXX XXXX XXXX  and XXXX XXXX my child support and disability was stolen recently also police report is with XXXX police dept in Florida
Consumer complaint received 2022-12-31
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)

XXXX XXXX, I have been a victim of identity theft. A XXXX  XXXX XXXX account was created using my information. I contacted XXXX and they resolved this issue. I was told my social security number was used to create the account, which forced me to do a deep dive into my credit report. I requested an investigation with the credit bureau because XXXX XXXX  was reporting inconsistent balances I remember paying this credit card off. All three credit bureau 's are reporting inconsistent credit limits, balances, high credit, and dates of last payment. I believe the credit bureau failed to properly validate this debt. I mailed a letter to this XXXX XXXX, but I received no response. All three credit bureau 's are reporting different information. It is unfair that there are so many inconsistencies on my report. If this creditor is unable to provide the original documents of this debt along with validating I owe them this debt I would like it removed from credit report.
Consumer complaint received 2022-12-31
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. (VA)

1 ). I am a natural person, I am a living human being, I have rights under 15 USC 1681. 2 ). Equifax is governed by USC 1681. They have violated my rights numerous times. I demand the accounts listed below be removed. 3 ). According to 15 USC 1681 : I have the right to privacy, I haven't not given Equifax written permission to furnish these accounts. 

Account 1 ). XXXX XXXX XXXX XXXX XXXX xxxxxxxxxxxx XXXX XXXX ). XXXX / XXXX : xxxxxxxxxxxx XXXX
Consumer complaint received 2022-12-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (GA)

I tried to pay this debt multiple times and had no response and then the debt was sold and distributed to multiple collections agencies at once. I have multiple agencies or companies contacting me about the same debt. Two separate agencies owned the debt in the same month on dates XX/XX/2022 and XX/XX/2022 and will not work with my hired lawyer.
Consumer complaint received 2022-12-31
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. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-12-31
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

Tried to log into https : //my.equifax.com/ once on XXXX PM XXXX XX/XX/2023 to lift a freeze. Received lockout screen. Called in to remove lock. Used automated system to verify myself by entering correct information stored by Equifax as reported to me by XXXX. Phone system would not authenticate me with any addresses. Got an agent. Agent said there was no phone number on file and he needed me to provide it to unlock my account online. I told him I didn't want him to store it. He said ok. I asked him to send the verification code to my email instead. He said he would not. I gave him my phone number. He said he was sending a link for me to upload my license and take a selfie. I said that using the threat of not being able to unfreeze my account in order to get images, IDs, and phone numbers from me is not legal. He said he required that information. I asked him to unfreeze my account without resetting my login. He refused. Equifax is holding my account hostage in order to get social information from my like images and drivers licenses, not to mention my phone number. I can not apply for a mortgage or credit card without unfreezing my account potentially. No other credit agency has behaved this way to me. This is way against the spirit of CFPB, so I am reporting it.
Consumer complaint received 2016-05-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (WI)

I am late on my payment but continue to pay as I can. I have requested many times not to call me on this phone as I use it for work. They call every hour every day except Sunday and it interfers with my work. I have requested they they email me or correspond by mail. They only send form letters. I pay what I can, and can not seem to catch up due to a tax situation I am in .... I will lose my job if this phone abuse continues. I have requested verbally many times to stop the calls..