davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XXXX, TransUnion and XXXX ) on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received by XXXX, TransUnion and XXXX  I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been almost 6 months from my first written request and more than 3 months since my second written request and I still have not received any responses.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Today on XX/XX/2023 I received a call from XXXX XXXX trying to verify if I applied for a new line of credit through them. I stated I did not and I was told someone tried to do so with my information including my social security number. I also received updates to my credit report with new credit inquiries that further corroborate all those claims. I believe it is my soon to be ex wife that did this.
Consumer complaint received 2023-06-24
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: ERC (CA)

Enhanced recovery reported to my credit report for XXXX for charter communications. I do not believe this debt to be mine and have not received any validation. This has popped up before under a different collection agency that was also found to be invalid and was already removed.
Consumer complaint received 2020-12-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I would like to inform you that on XXXX/XXXX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 48 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 48 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the XXXX data breach and this may be the result of this nefarious activity on my reports.
Consumer complaint received 2020-12-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Accounts Retrievable System, Inc. (NJ)

The debt originated from a XXXX XXXX account in XX/XX/XXXX. A default judgment was entered without my knowledge in XX/XX/XXXXin XXXX XXXX, NY. I resided in XXXX county during this period. 
On XX/XX/XXXX another case was instituted in NJ Superior Court to collect a debt that the statutory collection has expired in NY. I didn't receive any notice for this proceeding. 
The agency and his representatives were aware of my address and didn't send any notice of the collection proceeding. Therefore, depriving me of the right to answer in my own defense. I also didn't receive any original documentation of the source of this debt. 
The account was charged off on XX/XX/XXXX as per the information that I received on XX/XX/XXXX. 
The fact that I have retired  from full-time employment and I don't have the means to pay back any debt and the statutory collection has lapsed in NY and the agency is now trying to collect without doing due diligence in the past. I am now requesting investigation and mediation in this matter.
Consumer complaint received 2020-12-07
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. (PA)

I have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2020-12-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2024-08-29
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. (NJ)

XXXX violated 15 U.S. Code 1681s2 ( 3 ) of the FCRA. I protested these inaccuracies more than 35 days ago, but you have yet to mark them as disputed. You lead me to lose out on opportunities by incorrectly reporting this item and failing to indicate that it was dispute
Consumer complaint received 2023-05-17
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. (FL)

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

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 DEPTEDXXXX XXXXXXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXXNELNET XXXX XXXX XXXX XXXXNELNET XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a )
( 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 2022-07-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I had a HELOC with Huntington Bank that was refinanced to a 30 year mortgage with XXXX XXXXXXXX XXXX XXXX XXXXXXXX ). I closed on the new mortgage on XX/XX/2022. As part of the closing process, XXXX requested a payoff quote from Huntington. Huntington responded with a payoff amount and per diem fee. A check for the payoff amount and per diem fees was sent via USPS overnight to Huntington bank. Huntington Bank received the check on XX/XX/2022, but did not credit the HELOC account until XX/XX/2022. Huntington Bank is now attempting to charge me additional interest. I have provided the proof of delivery to them, which is the receipt and tracking number from USPS proving that Huntington received the check on XX/XX/2022. On XX/XX/2022, I attempted to resolve this matter with Huntington Bank and went over their quoted numbers and dates with the representatives. I ended up talking to XXXX XXXX who, after going over the documents with me, promised to get back to me yesterday. I did not hear from her. The additional interest charges still appear on the account this morning. It appears that Huntington Bank is going to ignore me and attempt to force me to pay additional monies to an account that was paid in full with the amount they quoted to me and XXXX.
Consumer complaint received 2020-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TN)

Contacted PPH/ XXXX XXXX several times to provided them with the payment information that they states they did not received PPH states that I'm more that five months behind in mortgage payments. When they provided me the mortgages payment that were missing I provided them a copy of the cancel check from the XXXX XXXX XXXX XXXX it provided documentation showing that the payment from XX/XX/2020, XX/XX/2020 XXXX, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 had cleared the bank and was posted to PPH account .I faxed then a copies of the return checks, and when I call to confirm I just get the runaround and they refused to provide credit for those payment that they stated were missing. PHHXXXX XXXX XXXX refuse to provide me a copy of my new escrow account when I made the request. PPH is not providing me with information regarding who holds the title to my home. 

I was approve forbearing, yet I have not been provided with any information regarding this process and how it work. When I contact the company I an mot given truthful information nor is any of my request being process. The company will not given information as to the name of the company is it PPH or XXXX XXXX. 

This company is very deceptive and does not take the XXXX American serious and we are being treated different form the non XXXX. I have tried to work with this company for months as of today I have not gotten any of my concerns addressed. The plan for the is comply would be to force its XXXX client into forecloses and take their homes. No, real information is available on line in your account, their is no way of gaining information on this account through the internet. Please assistant provide answers to my concerns that are not being addressed by the mortgage servicing company
Consumer complaint received 2023-05-17
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. (MI)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX Balance : {$8800.00}
Consumer complaint received 2020-12-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XXXX, TransUnion and XXXX ) on/around XXXX XXXX, 2020 and a second request was sent via certified mail on XXXX XXXX, 2020. 
In my letter sent and received by XXXX TransUnion and XXXX I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 5 months from my first written request and more than 3 months since my second written request and I still have not received any responses. This will now be my third attempt to resolve my concerns ...
Consumer complaint received 2020-12-07
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: Experian Information Solutions Inc. (NY)

I file a complaint with Experian on XX/XX/2020 asking to remove delinquency on my child support account XXXX. The compliant number is XXXX, Experian has not responded to this complaint as yet but I get an email from the Experian dispute department and this issue is still not resolved. The problem I need to know is if Experian verifies my letterhead sign by XXXX from the child support enforcement agency asking to removed delinquency from my child support file XXXX or did Experian refuse to even bring this evidence to child support to support my claims. If this negative item is not removed from my account I will 100 % file a case in court to get an answer because how could the child support enforcement agency give me a signed letterhead to remove delinquency from my account at the same time telling Experian to keep delinquency on my account. All creditors have the right to ask a credit reporting agency to remove an item from a consumer account if they feel it is the right thing to do. I need to know where is the problem coming from, is it Experian not following the Child support enforcement agency 's request to remove the negative item, or Experian doing what they what. Though Experian is reporting my credit report it is still my credit report that they are reporting. I have the right to fix any issues that are misrepresenting my credit report and the is my fair credit reporting act.
Consumer complaint received 2020-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

This is a fraudulent account, ending in XXXX and I am requesting for this account to be removed from my Chex System report. As this unauthorized account is hindering future banking relationships. I am a victim of identity theft and fraud and this account was reported when observe.See attached documents of my information being exposed in several data breaches and sold on the black web from XXXX to XXXX. This was also reported to the credit bureaus, a identity theft report was done via web and all credit bureaus have deleted the fraudulent information/accounts associated. I also have been affected due to the pandemic ( Covid-19 ) and wish to not have any added stress at this time.
Consumer complaint received 2023-04-08
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: Experian Information Solutions Inc. (CA)

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Consumer complaint received 2020-12-07
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am continuing to have a problem with Capital One Auto Finance. 

Lost my job due to covid. I have made arrangements to pay my loan but capone is reporting me late We are in a pandemic no one has money and now you want to kill my credit? 

This is unacceptable.
Consumer complaint received 2020-12-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2020-12-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (OH)

On XXXX XXXX, 2020, a collection was added to my three credit reports by National Credit Adjusters. I was not notified of this debt and was not given ample opportunity to validate the debt. However, when I noticed in on my credit report, I immediately called and paid the debt with the assumption that it would be removed from the credit reporting agencies. Even though I stated that I did not acknowledge the debt as valid, I was willing to pay so that I may regain my good credit as I didn't have any collections on my credit at all until this unexpectedly appeared. I have filed disputes with the three reporting agencies, only to have the information updated and refused to be removed. This was totally unfair in the fact that I had no knowledge of the debt and paid it as soon as I was aware of it. Had they properly contacted me by using the address listed on my credit report instead of the address listed on the debt they purchased, it would have been taken care of prior to becoming an issue on my credit report. This was unfair to do to someone who has no collections and it caused the purchase of the home I was involved in to fall through right before closing.
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (NY)

On XX/XX/2020, MIDLAND FUNDING add a derogatory marks on my credit report per XXXX  and XXXX. Original creditors : XXXX XXXX, XXXX XXXXand XXXX XXXX XXXX XXXX XXXX.. Upon further research, those accounts were transferred /sold and I am no longer responsible for them. Debtors creditors did not verify those collections. Also there were no written form of communication, contract or signature for those accounts debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MIDLAND FUNDING has violated my rights as a consumer and I requesting legal action to remove this account immediately.