davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-04
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AR)

On XXXX I contacted Equifax XXXX and XXXX in regards to incorrect information being on my Credit Reports as a result of Identity Theft and Fraud.   I submitted the Police Report, The FTC Identity Theft Report along with copies of my State Issued ID Social Security Cards and Utility Bills showing proof of residency. On XXXX I received updates from XXXX and XXXX in regards to the accounts showing that they had been removed from my file. I also received letters from each Creditor stating that the Fradulent Accounts would be removed. On XXXX I received results from Equifax stating that the accounts would not be removed because the Creditors verified the information as Accurate. How were they able to verify the accounts when XXXX and XXXX stated that the accounts were REMOVED at the Creditors Request as Fraud. I have since tried to contact Equifax back in regards to the issues I'm having, but I have not been successful. Equifax is neglecting to remove these accounts from my Credit File even after receiving the proper proof that the accounts were Fraudlently opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

CONSUMER # XXXX XX/XX/XXXX my wife reached out on my behalf to file a dispute with LexisNexis to have the NON-VERIFIED information regarding a dismissed bankruptcy that claimed to have taken place XX/XX/XXXX removed for false information. I'm in the process of rebuilding my credit to purchase a home and have a time limit to do so. The time limit for the information to be looked in is 40-60 days. The time is up for LexisNexis 's research and I'm requesting the information to be removed and provide me with an updated status on my LexisNexis report with the information showing " no bankruptcy being reported '' in the NON-VERIFIED section, not verified. Verified section has already been removed and I received documents on XX/XX/XXXX showing this. XX/XX/XXXX, I was told by a LexisNexis representative that the credit reporting department, which can only be reached by LexisNexis employees, is still working on the dispute after the allotted time has passed. LexisNexis has used the the whole time frame to do this and since they're not able to come up with any information proving their claim, they should not get further time to do so. I am crunched for time and should not be hassled nor hindered by false information being reported on their behalf. LexisNexis should let its customers know when disputing reported information that when they receive the updated report showing an item being deleted, that they are in fact portraying false information. It seems like LexisNexis is " blowing smoke '' in a consumers face to make it seem like they've corrected an issue when in reality there's a UN VERIFIED section that has to have a dispute placed in as well. A consumer would  only find this out if they're actively watching their credit report and having the credit reporting agencies come back saying LexisNexis has verified the same information they claimed to have removed. Taking more time for the consumer to have the information deleted and putting more inconvenience on them. I've been going back and fourth with this company since XXXX, XXXX.
Consumer complaint received 2019-08-13
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have been diligently working with Kohls/CapOne to increase my Kohls credit card limit for the last 5 months. Each month I receive the same run around with them claiming they can not access my credit reports. They claim they are locked, have fraud alerts and so on. They have had me contact XXXX, XXXX and XXXX on multiple occasions. Each time I do, the credit bureaus inform me the problem is not on their end. Certified letters have changed hands and multiple supervisors/managers have been consulted. The credit department at Kohls has been anything but helpful. They always tell me it is not their fault and it's all computer generated. I have had enough of their run around. So today, XX/XX/2019 I call because I received another letter from them telling me to call to verify additional information so they could process my request. This letter comes a couple times a month and always results in me spending hours on the phone with countless people who have no idea or desire to do their job. Today was spent talking with XXXX and then her Manager XXXX in the credit department at Kohls. XXXX states he has been with Kohls for 13 years and has never seen anything like this before. XXXX could not seem to understand that XXXX shows that Kohls/CapOne obtained a full credit report on XX/XX/2019, some 11 days ago. XXXX did not see that in his system and XXXX was unwilling to accept that I was tell him the truth, despite my willingness to send him the screenshots from XXXX via email. XXXX is a XXXX who lacks passion for his job. XXXX is the reason I am finally escalating this issue to CFPB. Please help me force Kohls/CapOne to do their job and properly process my credit limit increase request.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NCXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NCXXXX XXXX XXXX XXXXXXXX Balance : {$6000.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX {$2100.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$810.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$6000.00} XXXX XXXX Balance : {$460.00} XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$2100.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$810.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$6000.00} XXXX XXXX Balance : {$460.00} XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$2100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$810.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$5000.00} XXXX XXXX XXXX
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I submitted a letter to the Credit Bureaus to delete these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (GA)

On my credit report, it shows that I owe Amex around {$2000.00} that I paid off over 2 weeks ago. This balance is skyrocketing my credit card utilization and impacting my score heavily. I am XXXX years old and last month was my first month in 2 years that I made a late payment due to my wifi being down for a week. Now my utilization is down to 97 %. This is HEAVILY affecting my credit score and diminished my chances of getting a house for my family. 

I have paid off the balance and have 2 very good cards with Amex and need them to pardon the late payment from last month since that will never happen again and they are ruining my score. My credit score used to be 700+ and this one error has brought me down to the 500s. Please fix this issue asap.
Consumer complaint received 2019-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (OH)

I was contacted about debt owed to XXXX by ERC for XXXX. I have never had an account with XXXX or any XXXX-affiliated company. This account was said to have been opened sometime in XXXX or XXXX of 2019. I have sent in a dispute of the debt to ERC and pursued disputes with the credit bureaus. One of the bureaus came back with this as a valid debt, but this is definitely not. This is an account opened due to identity theft.
Consumer complaint received 2023-09-06
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)

To whom it may concern : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

The fraudulent accounts appearing on my Equifax credit report are XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX. 
The unauthorized and fraudulent inquiries appearing on my Equifax credit report are : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX. 

I sent a request to Equifax to have all of the incorrect information removed from my credit report, Pursuant to section 605B of the Fair Credit Reporting Act. I have sent them all the required documents ( Police report, Identity verification, Credit report with the false info circled ) but Equifax did not take any action regarding the incorrect and fraudulent information on my credit report. Equifax within minutes in most cases sent me an automated email saying your investigation is complete. Meanwhile, the two other credit bureaus removed the fraudulent info but Equifax sent a robotic automated response refusing to do anything. This is completely against the section 605B of the Fair Credit Reporting Act and Equifax should be held accountable. 

Their actions are hurting me and my family massively. 

Claims/Disputes # with Equifax are XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

Please make Equifax comply with the Fair Credit Reporting Act and remove all incorrect/fraudulent information as the result of Identity theft from my credit file. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-08-13
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. (TX)

THE ACCOUNT FOR XXXX XXXX XXXX IS REALLY AFFECTING AND OBSTRUCTING ME FROM PURSUING A BETTER LIFESTYLE. PLEASE REMOVE IT IMMEDIATELY!!!!!!!, AS FOR IT IS AFFECTING MY CREDIT 'S HEALTH. THIS ACCOUNT WAS OPENED ON : XX/XX/2014 WITH AN OUTSTANDING BALANCE OF : XXXX, MAKING IT AN UNPAID CHARGE-OFF. NOTHING HAS BEEN DONE FOR THIS ACCOUNT NOR WERE ANY ACTIONS TAKEN.
Consumer complaint received 2019-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (CA)

I settled my debt and received a letter from the bank who I owed the debt to. The letter dated XX/XX/2019 shows settled in full. However, I continue to receive debt collection notices from XXXX. I called and advised them my debt was paid in XX/XX/2019 and yet received another attempt to collect this debt notice XX/XX/2019. I emailed the company XX/XX/2019 again.
Consumer complaint received 2019-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (PA)

I am a victim of identity theft fraud ect. i disputed with all 3 major credit companies XXXX and XXXX   removed it over a period of time and years of disputes XXXX   wont take it off.I contacted XXXX and the collection agency in question XXXX said they would send me out a fraud pack 3 weeks ago it never came all i got was a paper stating what i owe the collection agency ive been calling them and even paid them {$99.00} to help remove these items from my credit nothing happened they said i would see results in 3weeks but nothing happened. I received a payment failure notice for another {$99.00} from XXXX but refuse to pay them because it seems im paying for nothing
Consumer complaint received 2019-08-13
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. (WA)

Hello I have been disputing negative accounts on my credit report for a while now since XX/XX/2019 sending in my letters regarding the following negative accounts : XXXX XXXX- XXXX XXXX XXXX - XXXX and I have not received not one response from the agencies and I am aware that by law they have to give a response and they have 30 business days to respond and also correctly. As a consumer I am aware that under the Fair Credit Reporting Act any information that is incorrect, inaccurate and unverifiable is sufficient for removal.
Consumer complaint received 2019-09-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

My current servicer is force placing insurance for a structure located on my property that has been destroyed by Hurricane Irma and no longer exists. 

Before the storm there were two structures on the property. Full Insurance coverage has remained in place for the remaining structure. 

I have sent the required documentation multiple times that the property no longer exists in order for them to cancel the forced placed insurance. Even though they have cancelled the policy several times once they receive my documents they continue to do it again the following month and I have to repeat the process all over again. They have cancelled the forced placed coverage several times this year alone and put in writing acknowledging their error and that they are aware there is no longer a structure yet every month I get a new forced placed insurance policy. 

This is so ridiculous to have to prove every single month that they there is no structure and it has caused me distress and so much time to stop them from doing this every single month. It is blatant disregard and it should not be allowed. It has caused me emotional distress and I am worried the lender is trying to charge me for something I do not owe. Please make them stop. I have tried everything! I am uploading all of the forced placed notices along with correspondence stating they are cancelling the coverage.
Consumer complaint received 2019-08-13
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. (TX)

XXXX XXXX is reporting incorrectly to Equifax and XXXX a collection in the amount of {$1600.00} on the XXXX XXXX partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) This account has not been updated by the ( 2 ) bureaus to report accurately the current payment information and because this information has not been updated, this account has now been sent to collections and never should have been. This account information needs to be updated. This incorrect reporting is harming my credit score. I have contacted the ( 2 ) bureaus to fix this, however I have not been successful.
Consumer complaint received 2019-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (GA)

XX/XX/XXXX, XXXX XXXX bank is showing up on my credit report as a closed account that i am currently failing to pay, as if i still owe them a balance. They said that i was late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This is impossible because they sold this account to lvnv funding back in XXXX and I paid the account off in XXXX. Therefore, it's impossible for any NEW lates to be reporting during time periods that fall AFTER they sold the account. They can only report any lates that i had BEFORE they sold the account and those are the only lates that are supposed to be on my credit report for 7 years Now my credit score has dropped significantly because it's appearing on my credit as NEW NEGATIVE information. I contacted XXXX, they were unwilling to help and said that it is out of their control. I sent them evidence and they still refuse to fix it and they pointed the finger at XXXX  XXXX. I called XXXX  XXXX and XXXX XXXX is saying they can't do anything to the account because it was sold to someone else. I told them, why can't they tell XXXX that because that alone is proof that i can't have any new lates in XXXX, XXXX or XXXX because they didn't own the account. They can only report on my credit what happened on the account during the time period that they owned the account and that stays on my credit for 7 years. They don't own the account, they can't report FTP ( failed to pay ).
Consumer complaint received 2019-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TRANSUNION HAS AN ACCOUNT ON MY CREDIT FILE THAT IS NOT MINE. 

XXXX XXXX XXXX NOT MINE XXXX-NOT MINE XXXX XXXX XXXX-NOT MINE
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Due to a hardship I fell behind on my mortgage payments and had to pay some of my payments late. Fortunately, I was able to bring them back to current status. But these late payments are still reporting on my credit report and affecting my credit score. I am asking for these late marks to be removed. This would help me tremendously in building credit worthiness. I have since set up my payments on auto draft and saved a few extra payments in case I fall on unexpected hard times in the future.
Consumer complaint received 2019-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX is reporting incorrectly to XXXX  and Transunion a collection in the amount of {$930.00} on the XXXX XXXX XXXX - partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) I have health insurance with XXXX XXXX XXXX ( copy  of insurance card attached ). XXXX XXXX XXXX failed to submit the insurance billing paperwork to XXXX XXXX XXXX and consequently payment was not applied to this account and because of this error the account has now been sent to collections and it should not have been. This billing error was not my fault and XXXX XXXX needs to contact the bureaus and have this collection removed from my credit report. This incorrect reporting is harming my credit score. I have contacted the ( 2 ) bureaus to fix this, however I have not been successful.
Consumer complaint received 2019-08-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (MN)

Since Selene Finance began servicing my mortgage on XX/XX/2019, they have charged me a grand total of {$8400.00} in fees, including an Advance Balance Fee of {$4900.00} on XX/XX/2019, when I received my first correspondence from them. My prior mortgage servicer, XXXX XXXX, had only charged me XXXX in fees, despite the fact that my account was in foreclosure status with the same attorney. 

The attachments include all statements from Selene Finance except for the XXXX statement, which is missing. I asked XXXX for a copy yesterday, and they indicated they would email it to me, which hasnt happened yet. Also attached are the original Validation of Debt Notice from Selene Finance, showing the Corporate Advance Balance and Other Charges, my last two statements from XXXX XXXX, including my statement from XX/XX/2019, showing that I only owed {$8000.00}. The last document is the foreclosure notice I received from XXXX, XXXX and XXXX last week indicating that I now somehow owe {$21000.00}. 

Per the spreadsheet attached, I am contesting {$8100.00} in fees that I believe are in bad faith and illegal under the FDCPA. Unless this matter can be resolved immediately, I will sue both Selene Finance and XXXX, XXXX XXXX XXXX for misrepresenting the amount that I owe and for trying to collect interest, fees, or other charges on top of the amount that I owe, unless the original contract and State law allows.
Consumer complaint received 2019-08-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (OK)

I applied for a secured loan at One Main Financial in XXXX OK. I have previously had a loan with this company in another state and was never denied for a loan. This loan was recommended based on my credit. They first said my student loan debt was too high. I added my husband. They then denied stating my credit score is too low. This loan is supposed to be for those with low credit scores. I believed they denied me based on my race being XXXX. They also denied my son stating his income was not high enough when he also previously had a loan with this company in another state with mo problems and his income was even lower at the time. I believe there are unfair loan practices at One Main Financial in XXXX Ok and I would like to know their rate of approval for minorities. I was seeking a XXXX to XXXX dollar loan.