davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NV)

I am submitting this complaint against Experian due to their failure to adequately address my identity theft claims and their use of delay tactics to avoid resolution. Despite providing substantial documentation, including multiple FTC Identity Theft Reports ( Report Number : XXXX ), Experian has not taken the necessary steps to correct inaccuracies on my credit report. Instead, they dismiss my requests and treat me as if I am being deceitful. This behavior is unacceptable, and I will not be bullied by any credit reporting agency, including XXXX and XXXX, which have exhibited similar issues. 

Questioned Accounts : XXXX. XXXX  : Status : XXXX deleted this account. 



XXXX. XXXX  : Status : Remains on XXXX despite deletion letter. 



XXXX. XXXX  XXXX XXXX ( XXXX ) : Status : Pre-bankruptcy account, likely contained fraudulent charges. They agreed to deletion ( as supported by letter ), but this has not been done. 



XXXX. XXXX ( XXXX accounts ) : Status : Pre-bankruptcy accounts, likely contained fraudulent charges. I need transaction histories to verify details or delete the charge-off. 



XXXX. XXXX : Status : Pre-bankruptcy account, likely contained fraudulent charges. I need transaction histories to verify details or delete the charge-off. 




Complaint Details : XXXX. Law Enforcement Validation : Experian stated they can not block items from my credit report without validation from a law enforcement agency. The FTC Identity Theft Report I provided is legitimate validation of my identity theft claims. It is unreasonable to dismiss this document and require further validation. 


XXXX. Request for More Documentation : They requested specific personal information and additional documentation. I have supplied comprehensive documentation, including FTC reports and deletion letters. The repeated requests for personal information add stress and feel like a delay tactic rather than a legitimate security measure. 


XXXX. Accusations of Misrepresentation : Experian implied that my request was made in error or based on misrepresentation. These accusations are unfounded and harmful. I assure you that my requests are legitimate and based on factual documentation. 


XXXX. Need for Transaction Histories : Access to full transaction histories is crucial for me to determine the legitimacy of the accounts. The numerous caregivers and individuals in my home during my illness make it impossible to sort through this complexity without their help.

5. Intentional Delay Tactics : While I understand that processing these requests can be complex, the pattern of requesting documentation I have already provided seems like a deliberate tactic to delay resolution. This behavior is unacceptable, especially as I work to regain my health and stability. If Experian can not substantiate their claims, I must insist that they delete any questionable information from my report.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX providing erroneous false information about my credit to and providing a score that is more than 200 points lower than XXXX, Transunion, and XXXX.They reported odd things that adversely affected my credit score such as maintaining a cellphone number that I have had for over 20 years and as military veterans I was stationed in different states but still maintained same number. XXXX stated this as being adverse due to " distance between address and area code of phone, '' I have lived at my current address for over 9 years and they reported " length of residence too short. '' Other two " length of time since most recent delinquency too short and too many delinquency too short '' which are both fault. They listed my credit score as XXXX. I have never in the history of my credit ever had a score in the XXXX. Whereas other reputable credit bureau list my score XXXX points higher at XXXX and XXXX. 

Transunion, XXXX, amnd XXXX also reporting erroneous information that I disputed. I have no deliquencies on my account. Nor was I deliquent on any mortgages. I request they follow up and update my credit report accordingly with accurate information.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I'm contacting you because I have found some information that is inaccurate on my credit report.i don't believe these accounts were ever paid late as it is reported.i requesting that you verify the information and remove any inaccurate information from my credit report as quickly as possible and doing so please provide me a copy
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/year> I call talked to XXXX a rep from Experian I was trying to update my credit report with new home address and tried to correct the multiple names on my credit report I was told I'm not allowed to update information because its being report to them they just displaying. 

I TRYING TO UPDATE MULTIPLE NAMES ON MY REPORT i should be only one and my current address
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OR)

This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :
Consumer complaint received 2017-07-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: The Law Office of Michael A. Priddle, LLC (IL)

On XXXX 2017 my car broke down and has been tow by XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX , KS.XXXX After so many attempted to have estimated send to me and to find out the cost of the repair, without proper notification they hire attorney to put a lien on my vehicle and try to retitle the vehicle without my consent. 

XXXX XXXX XXXX, XXXX
Consumer complaint received 2017-07-25
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (FL)

I have tried to file this over the phone but it did n't work. I am near a public library now and am able to attach this  Macy 's card that I have made at least 15 calls about and been called a liar, received two ( emails from Macy employees -- one was nice  the other did n't even speak, just sent an attachment? like I would open that on a friend 's smartpho ne? ). ( see  attached, ca n't locate email from  XXXX   XXXX  -- he was pleasa nt ) The following days after contact from Macy 's  personnel, I received offers to use m y Macy  's card that there was {$50.00} credit on it for me. ( see attached ) I am sick of them. I know their company is doing badly but leave me out of it. DO NOT SEND CARDS AND THEN YOU CA N'T USE THEM.     That is wrong and tell me you tried to reach me but n o one ans wers. I do n't have a phone, you silly geese. You  CAN survive as an ID Theft victim without one an d it is better.
Consumer complaint received 2017-07-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (TX)

I 've tried disputing a couple of fraudulent accounts on my credit report, and the Bureau has taken some of it off but only the collection things. I 've sent letters to the collection agencies, NCB MANAGEMENT and have gotten little response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine? Most recently about a month ago I did send in an Identity Theft document and all of the items it asked me to include. Feel like after six months of disputing and working hard that it 's really going nowhere. Would like to have this stuff taken off my credit report bc it is not mine. Thank you I leave out of the country for months at a time, and someone must have used my information and apply for credits because I was always getting declined no one could tell me what happened. Police said too much time passed. I 've made contact via certified mail 2 times. XX/XX/XXXX and XX/XX/XXXX. Still have not received anything back or response.
Consumer complaint received 2017-07-26
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: CIT BANK, NATIONAL ASSOCIATION (DC)

I am now XXXX years old and I live in XXXX, XXXX and own my home since XX/XX/XXXX. Back in XX/XX/XXXX, I began the process to get a reverse mortgage. My broker person works out of XXXX XXXX  in XXXX. I was to finalize on this reverse in XX/XX/XXXX and then they kept finding different things that I had to provide them that pushed the date off and now we are in XX/XX/XXXX and we have not gotten there yet ... I informed my mortgage company -- CIT Bank of my plans and in XX/XX/XXXX they stopped taking my mortgage payments, I believe to push me into foreclosure. However, I wasnt worried about this because I knew that they knew that I was going to the reverse mortgage and get out of the relationship with them. The problem is that we are going into XX/XX/XXXX and I still have not closed on this new reverse mortgage, and my company -- while not allowing me to pay my mortgage, ( which also includes some shady stuff, which is the reason I want OUT from this company altogether! ), they are increasing the amount of money I am to pay them to have this mortgage by LEAPS AND BOUNDS!!! And I am not getting ANY real explanation from my broker .... or at least a reason that is reasonable!! Our last pay off deadline was XX/XX/XXXX and from XX/XX/XXXX to XX/XX/XXXX my company has increased the money I am to bring to the table {$6000.00}!! WHAT!!? The amount of money changes from one day to the NEXT day, where the pay off amounts from CIT are concerned! I believe I need some assistance from your bureau in this matter! One of my biggest concerns is that this process is offered to seniors -- persons over XXXX years old,  so the banks probably believe they can tell old people ANYTHING and to PAY ANYTHING and they will pay it, REGARDLESS!! I really want to get the reverse mortgage, BUT I dont want to be SCAMMED! I believe they will retaliate against me if I push them on this because of how they, 1. stopped taking my mortgage payments -- then they wrote me & told me they sent me a check, WHICH THEY DID NOT DO!, 2. they will make it impossible for me to get the reverse because they will cost me out of it -- charging me so much that I wont have the money to pay it, and XXXX ... .AND by then, I will be in foreclosure, and not able to do ANYTHING! I think I am being SCAMMED! the CIT bank is a hard bank to talk to -- they are just out right MEAN and I hate to talk to them! they call me 40 times a day! the calls are intimidating ... Please help me! Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2017-07-25
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. (MD)

Contacted  XXXX ,  XXXX  and Transunion about removing multiply inquires off my report. I called by phone  XXXX   XXXX  ,2017 a d also faxed out letters  XXXX   XXXX  ,2017  that were sent certified. Called  XXXX / XXXX  /2017 and   was transferred to the wrong department. There are  XXXX  inquiries which most of them I did not giver permission to wrong my credit.
Consumer complaint received 2017-07-14
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: EQUIFAX, INC. (TX)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
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Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
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Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
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XXXX XXXX XXXX " NO ACCT # '' UNVERIFIED/NO CONTRACT
Consumer complaint received 2015-08-11
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY (MT)

I have regular Amex and a prepaid Amex. My prepaid Amex ends in # XXXX. Amex is doing away with the prepaid Amex card apparently. They sent me XXXX letters telling me that their fees were going up or they suggested I close the account. I called XXXX to close the account. I was told they had to mail me a check for {$1.00} ( the remaining balance on the card ) in order to close the account and avoid the fees. In order to mail the check I was required to update my address. With the help of the rep, I tried and tried and can not update my address because they need to validate my information. In order to validate my information I am required to send them proof of my address by fax or mail. I am not going to send in paperwork on my address or anything else simply to close out a prepaid card and get a {$1.00} cent refund just so I can avoid the monthly fees that are accruing. I spoke to the " supervisor '' of the information validation department ( XXXX ), who told me this is the only way I can avoid the fees. This is absolutely ridiculous on all levels. In order to avoid the fees I have to close the account, but can not close the account. Seems dumb. Just close the stupid account, keep the {$1.00} or send it to me, I do n't care, but I am not going to mail things back and forth just to update an address on an very old prepaid card. Seriously ridiculous. I may not be a customer of any Amex product, including the cc version if this ignorant behavior continues.
Consumer complaint received 2015-08-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (CA)

Frequent and excessive calls to my place of employment without identification of whom they are and to what the issue of business this is specifically pertaining to. Research on google has identified this as Convergent Outsourcing Inc, debt collection agency that uses fraud and/or illegal tactics to collect personal information for an alleged " debt '' owed.
Consumer complaint received 2015-08-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion lists a {$300.00} claim under collection by XXXX XXXX XXXX ( XXXX ). 
This is listed incorrectly as I paid it in full and XXXX is aware of this. Obviously, my credit score is lower with Transunion than it should be and I need this corrected.
Consumer complaint received 2015-08-12
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (MI)

This company called my ex husband, his wife and my son, concerning this debt. The debt was actually discharged in a bankruptcy XXXX months ago. They also told my ex-husband that I used him as a reference. Which is totally false.
Consumer complaint received 2017-01-26
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I have XXXX credit card accounts with Capitalone, accounts ending in XXXX and XXXX, XXXX shows as restricted, not sure if closed or not. Please note, I believe this is a deposit account and need security deposit refunded if so account is in fact closed. The credit line is XXXX and I believe this is the amount of deposit left. Account ending in XXXX is past due and payment is scheduled in the amount of XXXX on XX/XX/XXXX, not sure if this account is also closed or not. If it is open, I will need a new card sent.
Consumer complaint received 2015-08-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MA)

Home # 1. aka residence & lt ; & gt ; for almost two yrs,. Ocwen Loan Servicing had me filling out numerous loan modifications XXXX 6 ), denied every time!! After the two week waiting period, receive call, telling me, denied!! the following week, I would receive a complete loan package of XXXX pages, filled it out, sent it back via. XXXX wait the two weeks, DENEID!!! Again, the same thing, another loan Mod. package arrive at my residence. only to be denied!! & gt ; & gt ; & gt ; leaving the interest rate XXXX firmly at XXXX XXXX to date! 
Home # 2. aka investment property, I call it, retirement property!! 
Same as above, but former Servicer Stopped excepting my payment in forcing me to fill out Loam mod. only to be denied numerous times!! after it was becoming a joke, so many deniles, I asked them, what now!! Reluctant to answer me, so I asked, are you foreclosing on me? I was told, quote, your house IS in foreclosure!! I remember telling them in a letter, if you foreclose, I will receive XXXX from the I.R.S. a bill in the amount of {$50.00} K or so!! & lt ; & gt ; I did & lt ; & gt ;!!! I currently owe the GOV. {$50000.00} in XXXX gains tax!! 
Luck for me I had a buyer waiting over one year to buy my property of 22 years ownership! 
*note When I agreed to sell, I emailed Ocwen Loan Servicing XXXX what my intentions were ... 
receiving the payoff in less than one week, and I told Ocwen I have a cash buyer, please assist my buyer 's attorney in the payoff. In essence, Ocwen ignored their attorney for three weeks!!! Almost jeoppadising my sale!! & lt ; & gt ; If the buyer found out the property was in foreclosure, I would have been eliminated from the sale!!! A foreclosure to my credit, plus XXXX loosing everything ], including the XXXX XXXX dollars left over after sale Ocwen receiving their share in full!! Sale price XXXX payoff XXXX plusOcwen ruined my credit with my residence, reporting me XXXX months late while making additional payments of XXXX on top of my regular for ten months, applying the additional funds to LATE FEES AND INSPECTION FEES & lt ; & gt ; FIRST!!!!!!!!!!!!!!!!!! 
LATER ;, OCWEN WOULD CORRECT THIS MATTER!!! MY CREDIT RUINED FOR MORE MONTHS, PREVENTING ME TO REFINANCE FREEZING MY INTEREST RATE@6.875 % & gt ; OCWEN & lt ;, DOING BUSINESS UNFAIRLY IN ACCOMEDATING THEIR INVESTERS, FLIRTING WITH THE LAWS OF THE UNITED STATES OF AMERICA. 
AND WEAKENING THOUSANDS OF COMSUMERS, PLACING THEM IN HARMS WAY! 
Sincerely XXXX XXXX XXXX
Consumer complaint received 2016-07-22
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BBVA FINANCIAL CORPORATION (FL)

I did a short sale on my condo. The bank that held the second mortgage agreed to take $ XXXX form the sale of the property and that upon receiving funds they would release the mortgage. Their agreement letter also states that there would not be any deficiency on the loan. Three months after closing my release is not on file with the XXXX website. I also received a call from a collection agency without warning.
Consumer complaint received 2015-08-12
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (VA)

XXXX companies involved XXXX ( accnt # XXXX ) and Dovenmuehle ( accnt # ending in XXXX ) both working under XXXX XXXX XXXX XXXX loan # XXXX. 

My wife and I are both in the military and we are trying to buy / close on a house in the next 30 days but I cant make the offer until I have a letter from XXXX to clear up a problem I did n't create, but I am doing my best to fix. Dovenmeuhle was servcing our loan since the refi XX/XX/XXXX. In XX/XX/XXXX the loan was sold to Lender-live. In spite of multiple attempts to give address corrections to Dovenmuehle since XX/XX/XXXX, Dovenmuehle failed to make corrections to our mailing address and also inform us of the account changes. Even Dovenmuehle sold the loan to XXXX XXXX, they continued to cash our checks. XX/XX/XXXX-XX/XX/XXXX they forwarded our money to XXXX XXXX, however in XX/XX/XXXX they stopped forwarding the money to lender-live, however continued to cash our checks vs returning the checks to our banking institution ( XXXX ). The only reason we became aware of the now 4 months past due amount on this loan for our rental property in XXXX is because we are trying to buy a home here in XXXX since XXXX. Our credit score was in the XXXX 's back in XXXX and now they are at XXXX and we need this black eye removed from our credit ASAP so we can buy this house and get kids in schoolWe have brought the account current by taking XXXX dollars out of our savings because Dovenmuehle refuses to tell us when we will have our money back. XXXX refuses to acknowledge the mix up and provide us a letter to clear the issue up with the ( XXXX ) credit companies. My wife and I own XXXX homes as we have spent the last 20 years in the service to our country and through deployments we still have religiously paid all of our bills through the XXXX bill pay service every month for payment on this property ( XXXX XXXX XXXX XXXX, XXXX XXXX ) and every other property. 

I confident that when you review the attachments outlining the facts, you will see that we are not at fault here and an investigation into this prepdatory lending on all the above named parties in warranted. Its not fair that they are taking advantage of us in this fashion when we have earned our income fighting for this country and paid our bills! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX need a letter signed and emailed to me ASAP that outlines that the pastdue amount has been brought current on this account on XX/XX/XXXX and anyreference to late payments or past due amounts removed from my credit filecompletely. I need this for both me and my wifes credit ( XXXX # XXXX XXXX ) School is getting ready to start and I need to get my family moved.