davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-02
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. (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.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

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.

Section 609 of the FCRA and requests that the credit bureau verify an item in your credit report. In this letter, you ask a credit bureau to verify information, and if that information can not be verified, it must be removed. 

THE FOLLOWING ACCOUNTS NEED TK BE REMOVED ALSO EXPERIAN HAS NOT UPDATED MY CREDIT SCORE AND REPORT NOR COLLECTIONS XXXX AND XXXX HAS UPDATED MY CREDIT SUCCESSFULLY BUT NOT EXPERIAN. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account status : CLOSED EXPERIAN HAS ALL OF THESE ACCOUNTS INCORRECTLY LISTED ON MY REPORT AND ALSO HASNT UPDATED MY XXXX AND XXXX SCORES ALSO EXPERIAN IS OUTDATED AND DOSENT HAVE THE PROPER INFORMATION
Consumer complaint received 2023-01-02
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. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the XXXX
Consumer complaint received 2023-01-02
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. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-01-02
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. (NC)

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 2023-01-02
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. (MD)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-01-13
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (MN)

Minnesota Court File No. XXXX Midland Funding LLC as successor in interest to XXXX vs XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX Case Type : Default Judgment Location : XXXX Debtor ( s ) XXXX, XXXX XXXX aka XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Creditor ( s ) Midland Funding LLC as successor in interest to XXXX Entered Date : XX/XX/XXXX Docketed : XX/XX/XXXX XXXX Orig. Amount : {$1300.00} Curr. Principal : {$1300.00} Judicial Officer : XXXX, XXXX XXXX. 
Type : Judgment Status : Active I have never been contacted by Midland Funding or the original creditor XXXX before, until I just received a garnishment summons that threatens to garnish my savings account. 

After receiving this summons, I discovered a judgement was entered for this debt XX/XX/XXXX in XXXX County, Minnesota. I never received notice that a judgement was pending in my name, nor any debt collection letters or phone calls regarding this prior to the judgement, or after, until this garnishment letter now, or I would have disputed it. It is not my debt. 

I contacted XXXX XXXX XXXX XXXX, the attorneys for Midland Funding, and was told this was a credit card debt with the original creditor being XXXX, with a principal balance of {$1300.00}, and issued under my maiden name XXXX. They are now seeking an unpaid balance of {$1900.00}. 

I have never applied for, obtained or received a credit card from XXXX. In fact, I have never even had a credit card with a limit higher than {$300.00} in my name ever. The only credit cards I have ever owned are from XXXX XXXX and XXXX. I also have not lived in the county of issuance ( XXXX County ) since XX/XX/XXXX, nor have I used my maiden name ( XXXX ) since I was married in XX/XX/XXXX XXXX my last name is XXXX ). 

Neither Midland Funding or XXXX XXXX XXXX XXXX will supply me with any further details relating to this debt for a possible identity theft investigation. In fact, they will not even supply proof that the debt belongs to me. They may have mistook my identity for another person who actually owns this debt.
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Goal Structured Solutions, LLC (CA)

In XXXX of XXXX originally applied for and received a loan of XXXX dollars from XXXX XXXX ( XXXX XXXX. No. : XXXX XXXX ( XXXX ) a company whose loan products seem to now be owned by XXXX XXXX ( XXXX XXXX XXXX ). On XX/XX/XXXX, Launch Servicing LLC ( launchservicing.com also known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1 ) assumed servicing of the loan. I have since paid the balance down to XXXX dollars ( as of XX/XX/XXXX ). However, on my XXXX credit report it still shows a balance of XXXX dollars dating from XX/XX/XXXX under lender name of " XXXX ''. 

A few days ago, I contacted XXXX repeatedly and even filed a dispute resolution request online with them. XXXX then rejected the request and upheld the false balance entry, citing the fact that the lender maintained the balance is correct. ( I do not know if they spoke to XXXX, XXXX XXXX or Launchservicing ) to make this determination. I then contacted XXXX XXXX via phone, who refused to help in any way, giving me the phone number for launchservicing.com. I called launchservicing.com and they said it is XXXX 's responsibility to report the loan correctly, not theirs and that they ( Launchservicing ) had been reporting for me monthly ( a claim that is false as there is, as of XX/XX/XXXX XXXX PST no entry for Launchservicing.com on my XXXX credit report ). In sum, launchservicing.com puts the responsibility on XXXX and vice versa. XXXX defers to the " lender '' - I do not even know who they spoke to or who the " lender '' is at this point. In any case, my credit score is unfairly and materially adversely affected by the false balance appearing.
Consumer complaint received 2023-01-27
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: Gemini Direct LLC, dba Credit Innovation Group (CA)

To XXXX XXXX and Credit INNOVATIONs Affiliates. Your practices were deceptive XXXX XXXX have told me the total financial obligation that I would incur. Before having me sign the contract. I shouldve have been Forewarned that I would pay XXXX for membership and XXXX would be placed on hold. In addition, I especially should have been Told by XXXX on that phone call that I would incur XXXX on a monthly basis even though YOUR. Services were not guaranteed to obtain permanent housing. 
I would not have signed the contract. 
Per this email cease and desist from the contract and contact. My credit card company will continue to recover the XXXX and XXXX you have received and put a hold on. Cease and Desist from digging into my credit history. I will notify the credit bureaus. I thank SOVEREIGN that I didnt know the routing numbers to the bank. 
Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2023-01-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Tower Loan of Mississippi, Inc. (MO)

XXXX we got loan from tower loan wife got injured on the job on workmans comp hard to pay loan 6 months late they have threatened legal action 6 to 7 times my multiple people in company we paid account regularly until injury we have explained as soon as we have we will pay the loan off but they are persistent calling two to three times a week each time telling me we will just turn over to our attorney
Consumer complaint received 2023-01-27
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. (DE)

XXXX Hello Experian professional, This is the 4th time I am disputing this issue with the below accounts. This is highly affecting my ability to buy a home for my two kids and wife. I need justice as soon as you see this message. The data furnishers are reporting inaccurate information and they never sent me thier full method of verification. See my screenshots below. THEY ARE WRONG, please dont let them keep verifying things that dont pertain to me. If it does not have my full name : XXXX XXXX XXXX XXXX on the account then it is in accurate. IF it does not have XXXX XXXX XXXX XXXX, DE XXXX, or DOB XX/XX/XXXX on the account it is in accurate. If it does not have the correct dates of activity it is inaccurate. By the FCRA it needs to be deleted. 

Delete the following accounts due to inaccuracies : XXXX XXXX ( XXXX : NOT REPORTED, Experian : Last Payment XX/XX/XXXX, XXXX : Last payment XX/XX/XXXX ) XXXX XXXX ( XXXX [ NOT REPORTED ], Experian Balance = {$11000.00}, XXXX Balance = {$11000.00} ) XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX : Last payment XX/XX/XXXX, Experian Last payment XX/XX/XXXX, XXXX [ NOT REPORTED ] )
Consumer complaint received 2023-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (FL)

LoanDepot LLC : Mortgage account # XXXX, borrower name : XXXX XXXX, Call Cell # XXXX for Soc. Sec # ). 

We experienced a flood in our house the day before Hurricane Ian swept through which turned off our power for 2 weeks. We tried to clean up the water as quickly as possible before we evacuated and before the power went out. However, after returning to the house, mold started to form. We were able to get a contractor out immediately. The contractor gave us an verbal estimate, we accepted, he invoiced us and we paid out of pocket. We also paid out of pocket to Home Depot for rental clean up equipment and flooring supplies. The flooring company removed the damaged carpet, treated the mold and replaced the flooring. We submitted a claim to our insurance company but as part of our mortgage agreement, any checks issued by the Home Owner 's insurance over {$40000.00} has to be sent to the mortgage company to disburse the money. 

We submitted all the documentation to the mortgage company plus receipts for the above mentioned repairs totaling {$7800.00}, the endorsed insurance check for {$52000.00} and overnighted it to them on XX/XX/XXXX. They still have not dispensed any of the money to us. We are in the process of getting estimates for other work in regards to this claim, but we will not be able to pay them a down payment, because we have put so much of our own money out of pocket. They are holding up disbursing the {$7800.00} because they said they need a copy of the estimate from the flooring company even though they have a very detailed invoice with a phone number that they could have called. I also spoke with someone at LoanDepot Loss Draft Department on XX/XX/XXXX who said the detailed invoice should be fine. 

I have had to take off from my teaching job to work on this issue yet again. I was luckily able to get a hold of the contractor that did the flooring and he was able to email me a printed estimate which I have just sent to LoanDepot, but I have no faith in them that they will respond in a timely fashion. 

Please help in getting them to send us this money and in the future any additional money from this claim.
Consumer complaint received 2016-10-25
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (NJ)

Several years ago ( about 2004 ) my sister ( XXXX XXXX of XXXX XXXX XXXX, XXXX, New York ) asked me to assist her with getting an home equity line of credit from Wells Fargo for the amount of {$30000.00}. After saying no for months she convinced me that she was going to lose her home so I reluctantly agreed. The bank pretty much badger me to take something because I could not sign and not benefit. I decided to let them pay only my credit cards and they said that was not enough. Eventually, I decided to accept {$20000.00} which included the payments of my XXXX or XXXX credit cards for a total of {$6000.00} to {$7000.00} and the balance I would use to pay monthly towards the total of {$50000.00} if my sister ran into difficulty paying the bank. I went on vacation and on my return to the airport I got several messages on my cell phone that I should contact the bank regarding the non payment of my mortgage. At the time I was giving my sister {$400.00} per month towards the payment of the {$50000.00}. I called the bank and was told that I had a mortgage. I told them that I do not own a home and they told me that the document I signed was for a mortgage and that I am responsible to pay for my sister 's mortgage and that they wanted to collect. After trying to convince my sister to sell the home and/or get my name off of her property and let us recuperate our credit. She instead, changed her phone number and ceased all communicating with me. I tried to let my mother and siblings intervened on my behalf, but it became problematic for the family, so I took her to court. After three years of court and XXXX courts ruling in my favour in XXXX segments of the trial, via my attorney they ( her attorney, the bank and her ) asked me to stop the case so they could do a modification or re-modification of the mortgage and take my name off of the property documents and I would no longer be responsible and they would write to the credit bureau on my behalf to clear my credit. So, on the advise of my attorney, I signed the paper to allow the court to dismiss the case with prejudice. The property continued to remain on my credit report until I found out recently, while I was trying to qualify for a mortgage to get home of my own, that the modification or re-modification of the mortgage was done with my name still attached and I am still responsible for her mortgage. Now, I am having difficulty even qualifying for a simple personal loan and would like to know how did the bank, her attorney and her manage to have her mortgage modified or re-modified with my name still attached to the property without my consent or my knowledge.
Consumer complaint received 2016-05-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MA)

We had trouble paying our mortgage after our trial modification because of problems with getting paid through the commonwealth of Massachusetts. The my father got very sick and has since passed away do I could n't not work. So we applied for the making homes affordable tier XXXX. Of course ocwen is dragging their feet and have put us into foreclosure. They keep requesting new paperwork. We received a bill stating that if we paid the {$15000.00} in back payments we could be reinstated. We can do this when we get my fathers life insurance but that takes a month. Now we have real estate agents calling us constantly and putting our house up on a website for foreclosure ls. All of this is happening while trying to morn my fathers recent passing.
Consumer complaint received 2017-01-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (IL)

Checked my credit report with experian and there is a previously deleted account reporting back on my credit report. XXXX XXXX was deleted over 3 months ago. As of XX/XX/2017 the account is showing as a negative item.
Consumer complaint received 2023-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/23 I sent {$4000.00} to my close friend for back to school shoes and clothes through XXXX  directly from the Wells Fargo app. 5 minutes later he tells me he didnt received the {$4000.00} I just sent. Called Wells Fargo last Thursday the XXXX they open my claim but Ive yet to receive my money back it is now the XXXX. Ive called back several times and they just keep telling me the case is still open and ongoing. This is outrageous I dont have any money for rent Im a struggling college student just trying to get by but cant even depend on my bank for my own money back!
Consumer complaint received 2016-05-24
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: PNC Bank N.A. (PA)

I had an online bill payment scheduled XXXX for XXXX, over the weekend I spent my money scheduled out as PNC banking showed it as available, however XXXX they still sent that payment causing overdraft of my account. I online chatted with them and sent them a message requesting they fix this problem and issue a refund, however they declined to do either.
Consumer complaint received 2023-01-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (NY)

I have notice XXXX unknown transaction of {$340.00} and {$260.00} on XX/XX/XXXX in my XXXXXXXX XXXX XXXXy from that day i tried to contact their helpline and they transfer me to another department and put me on long hold more than XXXX minutes each time i wait but no body answer then i right email to them they replied with the same credit card department phone number which i tried XXXX times till that day. 

Please help XXXX XXXX XXXX
Consumer complaint received 2023-01-23
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

My account was closed on some unforseen circumstances. I received a check for doing a job and they sent me a check in the amount between $ XXXX {$4000.00} my account was suddenly closed after the check was deposited into my account. I never received any explanation as why my account was closed which really concerns me. Nothing more informative as to why it was closed.
Consumer complaint received 2023-01-20
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. (VA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-20
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. (CA)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. I am complaining again to remove the items indefinitely Here are the Aforementioned items : XXXX XXXX XXXX .... Balance - ; XXXXXXXX XXXX XXXXXXXX .... Balance {$4600.00} ; XXXX XXXX XXXX  XXXX Balance : {$250.00} ; XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX Date of request XX/XX/2021 ; XXXX XXXX XXXX Date of request XX/XX/2021 ; XXXX XXXX Date of request XX/XX/2021.
Consumer complaint received 2023-01-20
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts, inaccurate address and inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts, inaccurate address and inquiries : XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX , MI XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX  XXXX Balance : {$10000.00}, XXXXXXXX XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX