davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX S.S XXXX DOB XXXX This is the 4th time I have complain over the same issues. There are tons of inaccurate information on my credit report! My name is XXXX XXXX XXXX I would like the other spellings of my name removed. I have issues with miscellaneous unknown addresses on my file I never lived at please delete remove the following addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX   XXXX, GA XXXX XXXX XXXX XXXX   XXXX  XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX ALL OF THE ABOVE MENTIONED ADDRESSES ARE NOT MINE! It is possible a family member or work address but none of them belong to me never lived at these addresses.
Consumer complaint received 2019-11-25
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (MD)

On XX/XX/2019, multiple emails were received from Synchrony Bank, the issuer of the Amazon Prime store credit card. These emails contained lines such as : " A Trial Deposit Has Been Successfully Made to Your AMAZON CREDITBUILDER '' " Action required on your application '' In doing a quick search, it appears this happened to thousands of Synchrony Bank customers today. They have not notified customers, and when reached, their phone reps hang up the phone. 

This appears to be a major breach of some sort, and they are not addressing it appropriately.
Consumer complaint received 2023-02-21
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)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX XXXX
Consumer complaint received 2023-02-21
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)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XX/XX/XXXX
Consumer complaint received 2019-11-05
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)

HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2019-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (LA)

In XX/XX/2018, Credco ( via XXXX XXXX XXXX ) did a credit inquiry against my wishes. I only gave them permission to run a credit inquiry through XXXX XXXX XXXX XXXX. I would like them to remove the credit inquiries from each credit bureau they used.
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (NY)

On XX/XX/XXXX, there was a summons placed under my door. It turns out that this summons was from Midland Funding, LLC, and was done with improper service since no one gave the summons to me or a resident of the apartment I reside. Nevertheless, since receiving this summons, I have looked into my credit report and noticed some discrepancies regarding Midland Funding, LLC, on my XX/XX/XXXX, and XX/XX/XXXX credit reports. For example, although it says in my summons that Midland Funding, LLC has acquired my debt from XXXX XXXX XX/XX/XXXX, the amount that Midland Funding, LLC is trying to collect does not match the amount allegedly owed to XXXX XXXXXXXX XX/XX/XXXX( see XXXXXX/XX/XXXXsold-to-midland-funding.pdf ). Basically, according to my XXXX credit report, XXXX XXXX XX/XX/XXXX allegedly claims that I owe {$XX/XX/XXXX} ( although this is disputable since my credit limit was {$XX/XX/XXXX} ). However, according to Midland Funding, the amount allegedly owed is {$XX/XX/XXXX}. 

Furthermore, XXXX XXXX XXXX lists my original account number as XXXX. Yet, Midland Funding has my account number as XXXX. Therefore, it appears as Midland Funding, LLC is attempting to collect a non-validated debt through a fictitious account number that never existed in the past. Furthermore, since learning of this, I have since opened a credit dispute with XX/XX/XXXX and XX/XX/XXXXXXXX regarding Midland Funding, LLC 's claim. Concerning XXXX, Midland Funding 's record was deleted, and my credit score immediately increased by 10 points ( see Direct Dispute _ XXXX XXXX ). However, the dispute decision from XXXX can take until XX/XX/XXXX ( see Dispute Summary - Online Dispute ).
Consumer complaint received 2021-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no XXXX party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/2020 XXXX XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020
Consumer complaint received 2019-11-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (FL)

XX/XX/2019 Td Bank XXXX XXXX XXXX XXXX XXXX Case : XXXX To Whom it May Concern, I filed a dispute on XX/XX/2019 for the amount of XXXX. 

This transaction was debited from my account on XX/XX/2019 paid to XXXX XXXX via XXXX payment. 

This payment was for services that were not provided. The recipient acknowledged the services were not provided as agreed and offered a full refund which I accepted. The refund was never issued and the recipient stopped communicating. 

I have attached all supporting document for this case to be properly investigated.
Consumer complaint received 2019-11-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: PRESTIGE FINANCIAL SERVICES INC (AZ)

XX/XX/XXXX Car payment is due however I was out of the country due to a death in the family. During the time I was gone I received multiple text messages to my telephone. I receive text and telephone calls multiple times per day. No bill in the mail. 
XXXX Your XXXX payment is now 4 days past due and we don't have anything scheduled! 
XX/XX/XXXX You are 5 days delinquent. 
XX/XX/XXXX account past due XX/XX/XXXX Contact Prestige to get your XXXX payment scheduled ... 
XX/XX/XXXX XX/XX/XXXX Your account is now in active collections. we must have your arrangement secured immediately. The longer you wait to pay the more money you are adding to the loan ... 
XX/XX/XXXX Prestige is a second change lender. 
XX/XX/XXXX Is there a problem ... 
XX/XX/XXXX We are running into a pretty substantial problem ... 
XX/XX/XXXX If there is a problem or you need help with arrangement or a reduced payment ... 
XX/XX/XXXX You have options including a reduced payment ... 
XX/XX/XXXX I would rather keep this between you and I but collections efforts continue unless I can show that we are working .... 
XX/XX/XXXX sorry but if you aren't going to make these payments I can not help ... 
XX/XX/XXXX I am sorry but if you aren't going to make these payments ... I can not help this is your transportation and should be a priority .... 
XX/XX/XXXX Normally your account is paid by now ... 
XX/XX/XXXX I you are struggling I have options ... 
XX/XX/XXXX You have put this off until the very last day and now we only have a few hours to resolve the delinquency. 
XXXX Effective today your contract with Prestige has been forwarded to XXXX in Collections due to non payment .... 
I returned to the US on XXXX when I went through my mail I did not find a billing statement. Also I have been making payments of {$370.00} monthly for years but my balance is higher that the original balance. I think Prestige is stealing from customers and they threaten instead of allowing clients to pay off their vehicles. The more they threaten the more they charge and the accounts never get paid off until they repo the cars making them more money. Its a horrible unethical company and I wish I never purchased a vehicle through them.
Consumer complaint received 2019-11-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (GA)

OCwen loan Servicing LLC bought my loan from XXXX and I got 2 months behind and tried to catch up by sending 4 payment of {$100.00} extra and they never applied that money to my payments they said they put it in a extra account that just sat for no reason. They foreclosed on my home and I had to file Bankruptcy to stop the sale. That's when I paid XXXX and XXXX to {$4000.00} to help with filing a modification and this was after I was working with Ocwen myself for the loan modification and they keep telling me I was missing documents they needed for the approval. My loan modification was approved after XXXX. And I made the required payments8 then they sent my a package with the final agreement to be notarized and they sent it back 4 times saying there were errors made by the notary until they rejected them and I had to start all over. XXXX and dance XXXX told me they would refile for {$1000.00}, less. I thought I would try again on my own and Ocwen sold my loan to Phh loan servicing, LLC a company owned by Ocwen. In the meantime I'm acquiring interest out the yen Yamg while they are getting paid by there loan insurances. I now owe more on my home than I paid for it and I bought it in 2007 ,12 years. Doesn't this seem wrong. The money just doesn't add up and I went from a 15 year loan to a 30 year loan I don't understand. I have read a lot of stories about Ocwen and Phh loan servicing that sound a lot like mine. Go to Medium web pages and you'll find out about they are doing to home owner. Is their any thing I can do to find out if what their doing is right. I feel as a lot of others they are ripping us off
Consumer complaint received 2019-11-25
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: EQUIFAX, INC. (SC)

XX/XX/XXXX, XXXX XXXX XXXX. 

I have called and wrote this company in reference to the above inquiry in which I did not submit for them to verify the inquiry, but nothing has been done in reference to reporting accurate information to the credit bureau. I am a victim of identity theft and I am requesting that this inquiry be deleted as soon as possible.
Consumer complaint received 2019-11-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Bass & Associates, P.C., Attorneys at Law (MI)

I tried to make a payment arrangement with Bass and Associates to try to resolve my account. I was denied the hearing because if two pieces of documentation. Now my wages are being garnished from two different student loan one is XXXX that is already garnishing 15 % of my wages now Bass and Associates would not make reasonable accommodations on repaying back the student loan. I asked them for options one option was to pay XXXX in 90 days to close the account. I asked them what are the other options they stated i would have to pay XXXX a month current make XXXX a hour with a wife with a XXXX that work part time and a XXXX year old child. I thought by getting and completing my degree that life would be easier but it just made it worse. I sent them all of my paper work that they requested which outline all my bills and submitted the information and was still denied.
Consumer complaint received 2019-11-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: AMERICAN EXPRESS COMPANY (OH)

On XX/XX/19 spoke with XXXX XXXX XXXX XXXX XXXX and set up a payment plan. They indicated to us that after they receive the first instalment payment they would put the legal action on hold and we didn't need to respond to the court order. After allowing them to withdrawal XXXX for our first payment which was taken out of my bank account we recieved papers from them the following Monday to sign and return within 7 days from the agreement date which is roughly 3 days. These papers are the oppposite of what we agreed to and we called and spoke with they attorney Mrs. XXXX at XXXX and she refused to take responabilty. Further she said that we could not record the conversation and I told her that her practices were deceptive and she said she had to end the call. this is DECEPTIVE PRACTICES AND AGAINST THE LAW!!! We also contacted the original creditor, American Express and filed a complaint. We have no intention of signing a jusgement order after they told us that it would be dropped as long as payment arraingments were set up and they recived their first payment. I feel as if I need to file a counter claim and sue them for deceptive practices. I do have a appointment with an attorney this evening.
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Early Warning Services, LLC (TX)

Early warning systems is reporting a fraudulent bank account that looks like the bank is trying to update my information to, and it says Account type is unknown but that it has a combined loss and fee of XXXX Which again is fraudulent, I never opened this account nor do I have an email address they have listed. 

Early Warning again providing fraudulent information since I am a victim of identity theft and they refuse to block the fraudulent account # XXXX which says Contribution reason - Account Abuse. I have never opened this account, there are no XXXX  locations near me the email address they have listed for this account is also fraudulent. It is illegal to put my address on a fraudulent account when I never received anything from this instituion. This account is fraudulent, and as a result of identity theft. This account should be blocked from my file. 

Again Contribution Reference # is XXXX Early warning refuses to do anything about it and continue to report fraud.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is my 8th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$16000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXXXXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2019-11-05
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. (MO)

I recently submitted a letter to the credit bureaus regarding some inquiries on my credit report that I did not request. They failed to contact me or do an investigation regarding the inquires. I asked them to remove the inquiries due to fraud and they failed to follow back up. Inquiries that I am speaking of are as follows : XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX  XXXX : Inquiry from XX/XX/XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX  : Inquiry from XX/XX/XXXXXXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX   : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX : Inquiry from XX/XX/XXXX XXXX  XXXX : Inquiry from XX/XX/XXXX XXXX  XXXX : Inquiry from XX/XX/XXXX XXXX  XXXX : Inquiry from XX/XX/XXXX XXXX  : Inquiry from XX/XX/XXXXXXXX  : Inquiry from XX/XX/XXXX
Consumer complaint received 2019-11-05
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. (MO)

I recently submitted a letter to the credit bureaus regarding some inquiries on my credit report that I did not request. They failed to contact me or do an investigation regarding the inquires. I asked them to remove the inquiries due to fraud and they failed to follow back up. Inquiries that I am speaking of are as follows : XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX  XXXX : Inquiry from XX/XX/XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX  XXXX : Inquiry from XX/XX/XXXX XXXX  XXXX : Inquiry from XX/XX/XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX  : Inquiry from XX/XX/XXXX
Consumer complaint received 2019-04-03
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I am currently under Chapter XXXX and making my mortgage payments please note that this mortgage was NOT included in the Chapter XXXX filing and I am paying the original payment amount and it NOT was negotiated, I am current with all of my finance 's. However I have been trying to get two copies of statements for XX/XX/XXXX & XX/XX/XXXX, I have been told by Mr. Cooper to contact my lawyer and have her to reach out to their attorneys. She has contacted them to no avail this has been going on for about two weeks, I don't understand how difficult and stressful this has been just to get a couple of copies. It's unbelievable how NATIONSTAR MORTGAGE aka Mr.Cooper is making things so hard to accomplish a simple task.