davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

Please see attached. I sent in personal information disputes with proof of my identity including a valid drivers license which has my current address as well as a utility bill as proof as address. I also included a Declaration of Self Representation. The bureaus responded with a stall letter. This is a violation of my consumer rights under due diligence.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

Recently checking my credit report I noticed that l 've been a victim of identity theft and found numerous credit inquiries I have no knowledge of here are the inquiries that l 've found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Please remove these fraudulent inquiries from my credit report.
Consumer complaint received 2016-02-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (TX)

I have sent a letter to them that states the debt is not mine it is over 10 years old The name the address is not correct on the response. Also requested proof of last payment, there licensed to collect debt and proof the debt is mine. no response back other than a copy of some else info I Never open any account under a XXXX XXXX I NEVER LIVED AT THE ADDRESS THEY STATE ON THE FILE. My signature does not come close. II have received calls from this company several times. Sometimes they answer other times they just listen or hang up. I have no business with them and they keep calling. I have reported other number they used to the FCC and now they are calling from a different number. My rights keep being violated They have called my son stateing that I will be arrested if I do n't comply to there demands. They have called me countless times. I have no unpaid debt and do n't know what it is about. I have returned their calls numerous times and answered the phone when they call so I can get to the bottom of this, but I can not reach an actual human being. Their outbound calls are automated. They do not pick up the phone when you call back, so you either leave a voicemail that is never returned or get an error message that does n't allow a message to be left. Unprofessional business practices .I have contact a law firm XXXX XXXX XXXX XXXX TX XXXX
Consumer complaint received 2016-02-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc (OK)

In XXXX I joined XXXX XXXX, under ABC Financial. I received 6 weeks free, and cancelled my membership after 2 weeks, leaving me with no charges. The membership was never cancelled, putting my account into collections. XX/XX/XXXX, the new club manager, XXXX XXXX contacted me asking if I 'd like to resolve the issue. We agreed that I could pay {$300.00} and he would take my account out of collections and remove the debt from my credit report as long as I stayed a member of the club while paying the {$300.00} in {$50.00} installments. In XX/XX/XXXX I was charged for {$12.00} more than we had agreed upon. I contacted XXXX XXXX and he put {$50.00} towards my {$300.00}. I cancelled that debit card and only paid by check from then on. I paid the remainder of the {$300.00} XX/XX/XXXX. XX/XX/XXXX, my bank account was charged for over {$1700.00}. This charge was unauthorized, and my bank account information was taken from previous checks.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2016-02-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SUNRISE CREDIT SERVICES, INC (CA)

XXXX sent XXXX items ( broken coffee cup ... XXXX pendant ) to our address. WE DID NOT PLACE ORDER for these items. They continued to harass us with letters and then sent after one year to collection agency Sunrise Credit Services. We did not order these items..they can not prove it.. and need to show us written proof which I know they ca n't. They continue to harass and threaten. Amt. is for {$64.00}.
Consumer complaint received 2015-11-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

I have a XXXX mortgage with Wells Fargo. I have been requestinginformation from them. They keep saying they need 16 days. They have been trytrying to foreclose on my mortgage from day one. They destroyed thePromissory note and sold my mortgage as a mortgage back security. 
I asked for the original contract with my signature and payment historythey sent me a bogus paper that was not the contract I signed. I asked forsomething showing the recording of the sale or transfer of my mortgage to themthey stated that they do n't own it. THIS IS FRAUD. TODAY THEY CALLEDAND STATED THAT THEY ARE FORECLOSING ON MY HOME
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

My last complaint was XXXX Now im having problem with the scoring system. 
I already try to use less then 11 % ratio to 31 % ratio. 
But the scores still stay the same. 
Now i have been paying for a membership for these XXXX reporting agencies. 
I already tried to speak to the fraud department about my concern : they gave me the XXXX  score aga\ency. 
To their understanding they get the report from the credit agency and do a final score. 
now I use to have high numbers, now i stay the same.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2016-02-29
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

Debt cleared then re-emerging after new sale was made. I leased a vehicle XX/XX/XXXX which was totaled XX/XX/XXXX. GAP coverage, insurance, and individual coverage from the branch of Toyota were all applied to my balance to cover for the vehicle and the vehicle itself was auctioned off. I had received a letter notifying me that I had around 20 days to pay off a large sum of money ( approximately XXXX $ ). I could not pay this amount so it was put into collections. XX/XX/XXXX, I returned to the same Toyota dealer who originally leased me the vehicle to clear up any debt I may owe and possibly consider another vehicle, as I needed one to commute to work. After over an hour with the finance manager, and him making several calls to Toyota financial and Toyota Motor Credit Corp, we came to a resolution. The finance manager assured me I did not owe any sum of money to Toyota Motor Credit Corp, as did the individuals from TMCC we were speaking with about my account. I was entirely prepared to make a cash payment settlement at this time, but was assured I was clear of debt. After this all took place, the finance manager quickly addressed my need for a means of transportation and introduced me to a floor sales representative who had then sold me a vehicle for just over {$12000.00} under Toyota Motor Credit Corp. This is the car i still possess today, and make 100 % on time payments for each month. However, I received a letter in the mail today dated XXXX XXXX, XXXX stating it was a claim for collection from Toyota Motor Credit Corp in the amount of {$7400.00}. I feel that there has been a violation of the Consumer Protection Act in that I was taken advantage of, and even misled about information regarding any debts, in order to make me purchase another vehicle. This deception caused me to purchase a vehicle unaffordable to me in the event I owed such debts. Purchasing a more affordable vehicle and resolving the debt would have been my course of action had I not been deceived. However, instead I have been almost tricked into purchasing another vehicle and lied to about the true details of any debts owed.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions
Consumer complaint received 2024-09-25
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. (TN)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2016-02-29
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

Ocwen Mortgage is reporting negative information on a discharged account. They removed all information on account XXXX for me and my wife ( XXXX XXXX XXXX ). However, they did not remove information regarding account number XXXX. They admit that they do n't have records for the accounts in a previous dipute. 

Ocwen was not then lender at any point in time. They were the loan servicer after GMAC Mortgage. Ocwen serviced the loan from XXXX XXXX, 2013 to XXXX 2013 when servicing was transferred to XXXX XXXX XXXX. 
Ocwen should remove any and all references this account as well.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

All transactions and charges on this account are fraudulent. I never benefited from any of these transactions, but rather it did a lot of damage to me. This has been really stressful, it's negatively affecting my overall well being
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/year> Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2016-02-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Debt Mediation, Inc. (NJ)

A debt that I do not owe has been sent to PDM Debt Mediation against me by my former landlord, XXXX XXXX. 

I was XXXX of XXXX tenants living at XXXX XXXX XXXX, XXXX XXXX XXXX at XXXX XXXX in XXXX. In XXXX XXXX, my co-tenant hosted a party at the apartment. My understanding is that various property in the apartment was damaged during a fight that occurred during the party. However, I played no role in the party or the fight and therefore owe no responsibility for any damage resulting from the fight. 

Additionally, in XXXX XXXX, shortly after the incident, the landlord of XXXX XXXX told XXXX of the tenants, XXXX XXXX, that every tenant in the apartment needed to move out within three days, or XXXX/XXXX/XXXX. Verification of this is submitted here in the form of a letter sent to me by XXXX XXXX, the Leasing Consultant for XXXX, dated XXXX XXXX, XXXX. At the time that I was informed that I needed to vacate the premises, there were still roughly 9.5 months remaining on the one-year lease, which was set to expire on XXXX/XXXX/XXXX. 

I interpreted XXXX XXXX 's letter to mean that I was being evicted from the property by the landlord. Within three days, I vacated the premises by surrendering the keys to the landlord in compliance with the landlord 's order. Shortly after this, I received a letter from XXXX XXXX informing me that I would be charged {$22000.00}. 

I would not have moved out of the apartment had the landlord not told me that I was required to. Instead, I would have discussed with the landlord various ways of paying for the damaged property and then would have sought to be compensated by my co-tenant who was responsible for the damage. 

However, the landlord simply kicked me out of the apartment and pre-emptively charged me the remaining balance of the lease more than 8 months before the lease was set to expire. This deprived me the opportunity to mitigate my damages. 

Under New Jersey law, a landlord is required to mitigate damages regardless of the reason why a tenant vacates an apartment. See XXXX v. XXXX, XXXX XXXX XXXX ( XXXX XXXX ). In this case, the landlord clearly did not mitigate damages ; she simply sent me a letter stating that I owed the remaining balance on the lease even though at the time the letter was sent, there were approximately 9 months remaining on the lease. 

Additionally, I believe the landlord wrongfully evicted me from the apartment. Under New Jersey law, a landlord must give at least 30 days notice before telling a tenant to move out. N.J. Stat. Ann. 3A:18-61.2 ( b ), 2A:18-61.1. In this case, however, I was told I had three days to get out.
Consumer complaint received 2024-08-09
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. (VA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MN)

I have disputed the accuracy of my bankruptcy information reported by the three major credit bureausXXXX, Experian, and XXXXclaiming that the information in my personal credit report is incorrect. Despite filing this dispute, all three bureaus have stated that they have verified the information and found it to be correct. However, none of the bureaus have disclosed the source of the personal information used for verification, nor have they provided the name and contact details of the person who conducted the investigation and reported the information as verified. Furthermore, I suspect that all three bureaus are intentionally delaying and avoiding addressing the issue by sending generic response letters. I believe this is because they do not have proper access to my personal credit report and using generic computer-generated responses without conducting the investigation.
Consumer complaint received 2016-02-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

I was misinformed for over 3 years by Navient regarding the payment plan I was on. They told me that my payments qualified for Public Interest Loan Forgiveness and recently told me that the payment plan I was in did not count towards that program.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I obtained my credit report from you and there were XXXX XXXX Bankruptcy XXXX items listed. Per the FCRA XXXX ( a ) ( XXXX ) : " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file ''. 
XXXX XXXX Recorder of Deeds and the Bankruptcy XXXX have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. 
Public records information is NEVER validated by the Recorder of Deeds nor the XXXX XXXX XXXX system due to the XXXX XXXX XXXX XXXX PRIVACY LAW. 
My inquiry to XXXX XXXX Recorder of Deeds and XXXX XXXX Bankruptcy XXXX confirmed Equifax XXXX and XXXX Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax XXXX and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
Consumer complaint received 2016-02-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

a few years back a did a refi on my property with XXXX XXXX, who in turn sold the loan to Bank of America, since I had to relocate for work I new there would be a lag in payment delivery, so to off set this I paid advance 2 month on my mortgage and all went well for almost two years, I noticed I as getting late fees from Bank of America. when I called to find out why they 1st told me the account payments were " late '' and the fees are the result. I told them that was not possible as my account is advanced two months to remain current at all times. my repeated inquiries went unanswered and fees continued I tried to get assistance from a manager but there was o help there. Finally one rep that I contacted actually looked into my concern and told me the only thing they could see n review was that when Bank of America moved their office from XXXX to XXXX they did audits of accounts and took all advance payments and applied them to the principle. well this completely has put my finances and my home at risk and they act now as if they cant find me. Several calls and been made to no avail and even trying o get a HARP has been denied by them saying I cant qualify which leaves only forced foreclosure or bankruptcy as an option,