davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX, Experian, XXXX Date : XX/XX/XXXX Full Name : XXXX XXXX XXXX XXXX Mailing Address : XXXX XXXX XXXX XXXX, State : XXXX XXXX Texas Prior Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX I, XXXX XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) XXXX $ owed are no longer outstanding for the following items : XXXX XXXX XXXX. 
I am disputing this claim due to : XXXX XXXX XXXX I have sent a police report to support this letter. Please delete this account its reporting inaccurate R ( repossession ) activity years after account has been closed. Delete for inaccuracy. Also, the dates that this account was opened is inaccurate as listed below. This report is hurting me and family emotionally and financially. A copy has been sent to the Fair consumer agency ACT. Law requires any inaccurate information to be removed. It is also informed that the collector has sold the vehicle to an auction no formal letter was ever given to me concluding inaccurate balance. 
This is my official request to have the aforementioned item to be deleted off my credit report. 
Enclosed may be additional evidence to support my claim. 
Name must match Credit file as stated here XXXX XXXX XXXX XXXX. Validation is needed accuracy of this account must be sent to my address XXXX XXXX XXXX  XXXX, XXXX : XXXX XXXX Texas XXXX. 

Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$10000.00} {$10000.00} {$10000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$20000.00} {$20000.00} {$20000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$10000.00} {$10000.00} {$10000.00} Payment Status : Repossession Repossession Repossession Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Repossession Unpaid balance reported as a loss by credit grantor. 
Merchandise was taken back by credit grantor/there may be a balance due. 
Involuntary Repossession Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-06-27
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)

Hello, I am writing you guys today because my credit report has been used illegally. XXXX Bank Account number XXXX has violated my rights. 15 U.S.C 1681 section A. states that I have rights to privacy. Also 15 U.S.C 1681B states any consumer agency may furnish a consumer report under the following circumstance and no other : with the written instructions of the consumer to whom it relates. I did not give this company or any company my written instruction to report this account on my credit report.
Consumer complaint received 2021-12-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AA Recovery Solutions, Inc. (TN)

XXXX XXXX contacted my family- I got the message and contacted him back within an hour of him calling my family. 

I confirmed my contact information and asked him not to call my family anymore and remove their numbers, as well as send me the information regarding the debt so I could verify it. 

XXXX XXXX contacted my brother again as well as my brothers ex wife AFTER I communicated with him requesting zero contact to anyone but myself. 

I called back and requested again that he not call anyone but me and he listed off every single family members name that he could call. When I asked him if he knew what the debt was for he told me to walk around my house and figure it out.
Consumer complaint received 2022-03-08
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)

On XX/XX/2022, a charge appeared on my Capital One XXXX  for {$55.00} at a XXXX XXXX in XXXX XXXX, California. The transaction posted on XX/XX/2022, but was made on XX/XX/2022. On XX/XX/XXXX I was in XXXX, XXXX XXXX, and XXXX, California. I was not in XXXX XXXX. I had not used the card in over a week, as I had been using a different credit card. When I saw the charge on XX/XX/XXXX, I contacted Capital One to report the fraudulent use of the card. The agent initiated an investigation and told me that it should be resolved shortly. 
On XX/XX/XXXX, I was contacted by Capital One, who informed me that they had found " insufficient evidence '' of fraud. I called to try to understand more, and was told that because I had possession of the card at the time, and the transaction showed that the chip was present, the company I believed had benefited from the transaction. Again, I was not in the city where the transaction was made on that day, and had not been in that city for many months. I was 60-100 miles away, using a different credit card, for which I have evidence. 
The company claims that the chip technology can not be tampered with or copied, and so they have determined that it is my responsibility to cover this charge, even though it is clearly fraudulent. They are, in essence, putting the financial fallout from a failure of their technology onto their customers. I tried calling Capital One again to further dispute the charge and to prove to them that I was in a different city, established by credit transactions on another card. They insinuated that I may have let the card out of my possession, that a family member might have used it. I live alone, and the card was in my wallet the entire day. They repeated that because the chip can not be copied, it isn't fraud.
Consumer complaint received 2022-08-01
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. (WA)

I have submitted disputes to you and i didn't get a response within 30 days and ya 'll are Required by law to do so please investigate my disputes, Thank you
Consumer complaint received 2021-11-28
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)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$0.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX XXXX {$XXXX} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed XXXX {$XXXX} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX}
Consumer complaint received 2021-11-28
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: Resurgent Capital Services L.P. (MA)

I have reported this account for a year it has been removed from XXXX and XXXX this account need to be removed from XXXX Violation of CFR 313.7 ( f ) Violation of 15 USC 6802 ( 2 ) ( b ) Violation of 15 USC 1681b ( a ) ( 2 ) Violation of 15 USC 15 USC 1692e ( 3 )
Consumer complaint received 2021-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NY)

I wish this bank would stop denying me for more credit everytime I apply it is system declined and when I get a letter its from a old credit report they use not the most recent this is horrible I want my XXXX XXXX XXXX approved since I bank with them and invest Amex call me to resolve this Im Not happy
Consumer complaint received 2021-11-28
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: SELECT PORTFOLIO SERVICING, INC. (GA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2021-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$600.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$9000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$450.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance Owed : {$370.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$140.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXXBalance Owed : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXXBalance Owed : {$100.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$120.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$330.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$720.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$220.00}
Consumer complaint received 2021-11-28
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: TRUIST FINANCIAL CORPORATION (GA)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2022-08-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (AL)

I received a letter from Midland Credit Management attempting to collect a debt dated XX/XX/XXXX. I do not believe that I owe this debt. Upon reviewing my credit report I see that this debt is listed on my XXXX, XXXX and XXXX reports, I also see that there is a note on all reports that it is in dispute. I looked in my old files and see that I sent a debt verification letter on XX/XX/XXXX in response to a Pre-Legal letter that I received from Midland dated XX/XX/XXXX. I have never gotten a response to my request and am needing to verify that this is a debt that I actually owe. I have attached copies of the letters that were send and the certified mail receipt showing that Midland Credit Management did receive my request. I have had debt collection agencies try to collect on debt that I do not owe or old debt that I have already paid off or settled. I need Midland Credit Management to verify that they actually have the authority to collect on this debt. I've reached out to XXXX XXXX XXXX and have not gotten a resolution and also they are offering me new credit cards now.
Consumer complaint received 2022-08-01
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. (SC)

To Whom It May Concern, Over 60 days ago I was added as an authorized user to a XXXX XXXX credit card. To date, either 1 ) XXXX XXXX has failed to report this status accurately, or 2 ) Experian, XXXX, and XXXX have failed to report this status accurately. 

I believe that creditors and the bureaus must report with 100 % accuracy in an expedient matter, and this is clearly not the case.
Consumer complaint received 2022-08-01
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. (SC)

To Whom It May Concern, Over 60 days ago I was added as an authorized user to a XXXX XXXXXXXX credit card. To date, either 1 ) XXXX XXXX has failed to report this status accurately, or 2 ) XXXX, XXXX, and TransUnion have failed to report this status accurately. 

I believe that creditors and the bureaus must report with 100 % accuracy in an expedient matter, and this is clearly not the case.
Consumer complaint received 2022-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NE)

PHH mortgage has my mortgage. I had hail damage on my home. When I called to file a claim I discovered that PHH had failed to pay my premium from my escrow despite having received letters from the insurance agency stating they hadnt received payment and were going to cancel the policy. They then stated they had put their own policy in place but have yet to approve an adjuster to come assess damage
Consumer complaint received 2022-07-07
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account 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
Consumer complaint received 2021-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Contacted company by phone ( TransUnion )! Wanted to know why my credit score dropped XXXX points ( XXXX to XXXX ). The first person I talked to was trying to explain to me why credit scores drop!! I told him I know that, my question was WHY DID MY CREDIT SCORE DROP!!! I gave him all my info and he could NOT give me an answer!!! I then asked to speak to his supervisor!!! I think this XXXX was XXXX  than the first person I talked to!! He again said he could not tell me why my credit score dropped? I asked him if he was looking at my info on his computer!! He said he was, I then said WHY DID MY CREDIT SCORE DROP XXXX points!! He said I needed to talk to a credit counselor??? I did contact XXXX XXXX and XXXX XXXX! The only XXXX charges during this period!! Both said my accounts were paid off and I was in Good Standing!!! I don't understand how a company like this could destroy someone's credit without suffering severe financial penalties!! Also how, after identifying myself, they can refuse to give me an explanation what the XXXX they are doing, instead offering platitudes like I'm some kind of XXXX!!! I would like a complete summary of how this occurred and how it will be prevented from happening again!!!
Consumer complaint received 2022-08-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc. (PA)

In XX/XX/XXXX, I took out a home equity loan for {$30000.00} with XXXX XXXX XXXX. Since then the loan changed hands about 4 times causing me to lose track of who was handling the loan. I subsequently discontinued payments after loosing my job in XXXX. Fast forward to XX/XX/XXXX when I decided to sell my house and relocate to another state for a fresh start. The title report provided information for XXXX XXXX XXXX XXXX ( XXXX ) where a payoff request was submitted. That request was forwarded to the asset manager for XXXX XXXX XXXX. The asset manager forwarded a payoff to release the lien in the amount of {$91000.00}. I was devastated! The payoff included various charges including the original principal, over {$51000.00} in rate interest, foreclosure fees, and many other charges. While I believe that I owe the original principal amount, I should not have been taken advantage of in this manner. In attempts to negotiate the payoff with the company, they had me submit documents that included the current purchase agreement, tax returns, bank statements, and other personal financial information. The company XXXX XXXX XXXX ) offered on 5 % discounted from the {$91000.00} payoff. I could not believe that this was happening days before settlement of my house of 21 years. I was forced to pay the full amount to avoid a disastrous outcome if I terminated the sale. The additional {$60000.00} snatched from my proceeds, intended to buy a home in a new state, has left me homeless. My original loan was with XXXX XXXX XXXX. The {$91000.00} charged by this XXXX XXXX ( Serviced by FCI ), who just picked up the loan in XXXX, seems predatory and illegal to take advantage of consumers in this manner. I do not know the process of companies selling debt, but it seems the original company would have been compensated when the sold the debt to the others.
Consumer complaint received 2021-09-08
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)

I have several accounts on my credit that are fraudulent. My identity was stolen and for months I have been writing to Experian and they are not corroborating the 30 days. Hardly in days they answer me and these accounts the signature is not mine. 

The Accounts is : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX the following account numbers indicated below have violated my rights to privacy, according to 15 USC 1681 Section 602A.

Furthermore, according to 15 USC 1681 Section 604A, Section 2. A consumer reporting agency can not furnish an account without any written instruction. 


Account # 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 2022-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (KS)

This is a summary and overview of my complaint against Ocwen Loan Servicing and its subsidiaries PHHXXXX XXXX as well as XXXX XXXX  XXXX My complaint contains multiple severe and egregious actions by the aforementioned entities. The complaints are as follows ; XXXX. Tax fraud- In XXXX  Ocwen modified my mortgage as under the terms of the XXXX CFPB Consent judgement. A principal reduction of {$47000.00} was done on my loan. A 1099 Cancelation of Debt in this amount was issued to me for the XXXX Tax year. Ocwen did not reduce my mortgage and has subsequently attempted to collect the full amount. They treat it as deferred debt. I do have a civil lawsuit against them and this a claim listed. Given the circumstances of the XXXX Consent Judgment it is crucial that this matter is investigated on a broader scale as it is highly likely that this is not the only occurrence and other consumers may be adversely effected. Please see attached 1099 XXXX  In addition Ocwen and its subsidiaries have committed violations of the Fair Debt Collections Practices Act- A. I am a consumer under 15 U.S.C.1962a ( 3 ) or U.S.C.1692c ( d ) B. My Debt is a consumer deby under 15 U.S.C. 1692a ( 5 ) C. The Plaintiff is a debt collector under 15 U.S.C 1692a ( b ) D. The violation is under 15 U.S.C. 1692f. 
XXXX. More disturbingly on XX/XX/XXXX the above named companies committed a criminal felony act by intentionally instructing a contractor to break in to my home, while knowing I occupied the home. There was a criminal case in the District Court of XXXX XXXX, Kansas. The case XXXX resulted in a conviction of the XXXX XXXX. There will be additional charges filed as other individuals have been implicated. 
I would implore you to review and investigate these companies for additional violations of the XXXX Consent Judgment as well as potential harm to other consumers. I have litigation currently in the District Court of XXXX XXXX case # XXXX. Additionally I am working with the Internal Revenue Service and the Kansas Attorney Generals office with their investigations of this matter.