davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-10
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc. (TX)

Experian has been reporting the same incorrect FICO 8 score for me since XX/XX/2018. I have contacted Experian via XXXX several times ; I have phoned Experian several times ; I have also submitted a written dispute with Experian ; and now a complaint through CFPB. Experian finally admitted on XX/XX/2018 that the incorrect FICO 8 score is Their technical error and they provided me with a case number. However, on XX/XX/2018, Experian now says the problem is with the XXXX XXXX XXXX ( yet Experian admitted it was their technical issue and had provided me with a case number only 2 weeks ago ). Still, I contacted XXXX and they informed me that the problem is Experian, both sending me in circles. No one adressing this serious issue affecting my ability to receive credit. Ever since Experian has been reporting this incorrect FICO 8 score in XX/XX/XXXX ( which they have admitted ) I have been denied a credit limit increase & denied a lower interest rate request yesterday, denied a vehicle loan in XX/XX/XXXX, denied a promotional credit card in XX/XX/XXXX. I have been practically begging Experian to fix this because my vehicle lease expires next month and I need to purchase reliable transportation. If this is not addressed and corrected by XX/XX/XXXX, I could also be denied a vehicle or given a very high rate which would be based on false information. Experian must fix this issue ASAP! Thank you
Consumer complaint received 2018-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

To Whom It May Concern : I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following " Personal Information. '' I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 10 years. 
My name is : XXXX XXXX Please delete any other variation. 
my current and only address is XXXX XXXX XXXX, XXXX, OH XXXX Please remove the following addresses XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2018-07-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC (CA)

XXXX the original account now held by SOURCE RECEIVABLES MGT, AS COLLECTION AGENT for acct. no.XXXX is guilty of fraudulent charges regarding this account. 
This is XXXX  third agent for this fraudulent debt.The previous two were XXXX XXXX AND XXXX XXXX.EACH CREDIT BUREAU received these disputes last year at XXXX  XXXX  AND XXXX.Each bureau has deleted this same debt for the same original creditor two times and now we have a third collector who claims to know nothing of the previous disputes.
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: General Motors Financial Company, Inc. (GA)

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking debt bondage and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts. XXXX {$3100.00}, XXXX XXXX {$660.00}, XXXXXXXX XXXX {$720.00}, XXXX XXXX {$970.00}, XXXX {$10000.00}
Consumer complaint received 2018-08-03
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. (NY)

Hello Sir/Madam Good Morning I purchase a vehicle at XX/XX/2016 from XXXX. Last year it was crash and the payment was done this year. but when i go to check my credit score it shows XXXX owe me XXXX dollar so for this my score going to down for not pay but i ask XXXX is there due any payment? they tell me no!! everything is good because i already paid everything. 
so i dont know why it shows on my credit report negative and i can not fix it can you help me to out Just FYI i am a XXXX XXXX XXXX XXXX. 
so its very important for me please can you help me to out asap it will be highly appreciated thanks very much Have a wonderful weekend
Consumer complaint received 2018-07-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: TD BANK US HOLDING COMPANY (ME)

We were told that our equity loan of 10 years with interest only monthly payment was to expire and that we would need to pay both P & I for the next ten years, {$2200.00} per month. When discussed with the bank they suggested we wait till the first payment due and then request a modification which we did. ( see attachments for correct dates etc. and communications ) on XX/XX/2018. at the bottom of the form it stated we would have a result in a week, well we tried and tried to get an answer and finally after threats to them got a refusal for a modification based on insufficient income in XXXX. 
My wife and I have been customers of T D Bank for over 40 years with all our accounts there, never missed a payment to them for anything. we have no other debt but for monthly credit cards and all paid in full each month. our credit ratings are XXXX for each of us. 
Understand we accept the fact that they could do this refusal. it is amazing that they would think that we could pay {$2200.00}. but refused to give us a extension for the interest only loan with a payment of some {$600.00}. P/M. We did make 2 of these {$2200.00} dollar payments just to keep our credit rating while waiting for an answer to our request which we should have had by XX/XX/XXXX, 5 to 6 days per their modification document. Finally in XXXX they refused to give us an extension or a new loan with interest only. My wife became very sick over this and worried about the destruction of our credit ratings. 
We went to another local Bank and were given a loan in 2 days to pay off T D Bank. This delay and refusal should never have happened this way and should never happen to any others with like conditions.
Consumer complaint received 2018-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUN LOAN COMPANY INC. (TX)

The Sun Loan account I am disputing is reflecting negative on my credit report. I paid this off in XX/XX/2016. I shouldnt have a balance reflected on my credit report. I disputed this more than once and it comes back that it wasnt paid. I am attaching a receipt of payment stating its paid in full. This is under my previous name XXXX XXXX. I need this fixed asap to reflect XXXX on my credit. 
Thank you XXXX XXXX
Consumer complaint received 2018-07-10
Product: Credit reporting, credit repair services, 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. (FL)

I Received an alert that someone tried to use my identity to apply for a XXXXXXXX XXXX card. I contacted XXXXXXXX XXXX immediately after and disputed the inquiry. I spoke with XXXXXXXX XXXX  SEVERAL times and was promised by THREE DIFFERENT PEOPLE that this inquiry would be removed back in XX/XX/XXXX. As of today, XX/XX/XXXX, the inquiry still has NOT been removed from my credit report. I have attached the letter from XXXX stating it would take only 8-10 weeks to remove the inquiry but its been over six months. 

Creditor : XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry removal : XX/XX/XXXX Category : Bank Credit Cards Address : XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
Consumer complaint received 2018-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I Received an alert that someone tried to use my identity to apply for a XXXXXXXX XXXX card. I contacted XXXXXXXX XXXX immediately after and disputed the inquiry. I spoke with XXXXXXXX XXXX SEVERAL times and was promised by THREE DIFFERENT PEOPLE that this inquiry would be removed back in XX/XX/XXXX. As of today, XX/XX/XXXX, the inquiry still has NOT been removed from my credit report. I have attached the letter from XXXX stating it would take only 8-10 weeks to remove the inquiry but its been over six months. 

Creditor : XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry removal : XX/XX/XXXX Category : Bank Credit Cards Address : XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
Consumer complaint received 2018-07-10
Product: Credit reporting, credit repair services, 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)

The inquiries below are not mines. 

XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, AZ XXXX BYMAILONLY XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Reseller XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX BYMAILONLY XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX BYMAILONLY XXXX  XX/XX/XXXXXXXX XXXX, XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX BYMAILONLY XXXX XXXX XX/XX/XXXX XX/XX/XXXX Tenant Screeners ( Reseller ) XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2018-07-10
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)

Dear CFPB, These two mortgage companies reported false information on my credit reports. XXXX XXXX and XXXX XXXX XXXX. 
I have NEVER done business with them. 
I NEVER applied for a mortgage with them. 
I have NEVER signed any documents with them. 
I DO NOT OWE THEM them any money. 
During the past year, I have sent a total of 6 letters to each of these two creditors and also 6 letters to all 3 credit bureaus asking them to review and delete the false reportings. And only Transunion removed XXXX XXXX   from my report but not XXXX XXXX XXXX. At this time I am very upset and seeking legal action and support from your organization as these false reportings are causing me a world of troubles.
Consumer complaint received 2018-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Mortgage lien opened via refinance in XX/XX/XXXX. I had a chapter XXXX discharged in XX/XX/XXXX that had been open since XXXX. XXXX XXXX had been reporting it as current and open. Speaking with their servicing they said as soon as they received word of the discharge they would begin reporting to the bureaus. On XX/XX/XXXX I sent them a copy of my report as I was purchasing an investment property. I mentioned that although reporting the account as current there was no monthly activity being reported nor was the current balance being updated. I received a letter from XXXX XXXX indicated they had erred and would correct the mistake. In XXXX they reported the loan as closed and subject to a bankruptcy and refuse to correct the error. They sent me a nasty email saying it was not their obligation and the debt was not re-affirmed. Chapter XXXX bankruptcy does not require any re-affirmation of debt only a chapter XXXX does as was also conveyed by the previous servicing manager I had spoken to. The account is open and in good standing and has never been late and I would like such to be reflected on my credit.
Consumer complaint received 2018-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (WA)

I contacted OCWEN Loan Servicing about not releasing the lien and not providing the correct balance informatio to all 3 credit reporting agencies for months. The loan was paid in full on XX/XX/2018. I called the company on XX/XX/18 and they emailed the lien release. All credit reporting agencies are reporting a loan balance of well over {$7000.00}. There is a XXXX balance. This needs to be corrected immediately as this has affected several recent lines of credit that I have obtain including the purchase of a new automobile.
Consumer complaint received 2018-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (CO)

In XXXX of 2018 my wife and I started the process of buying a house. Before we started the process, my credit score was in the high 700s but when my credit credit was run for pre-approval, it had dropped over 20 points because a collection was added to my credit report that I had no knowledge of. They claimed that they have attempted to contact me but they never had as I have never heard or received anything from them. The debt stems from a bad check my daughter wrote an apartment complex for an application fee. I was a co-applicant on the form but was not responsible for the payment as I live in Colorado and the apartment complex was in South Carolina. According to South Carolina law, they should have filed a complaint against the person that wrote the check, which was not me. I have asked for them to provide me with anything that shows that this debt is mine but they are trying to say that I am responsible regardless and that I need to file a fraud report with the police before they will release me from the debt. I gave them the information to contact my daughter, at least the last known information. I filed a disputed with the credit bureau and it has been removed for now but I know that this company will not stop and this Ill happen again. It should be illegal for someone to report something on your credit report with no proof of the debt actually being yours and no attempts to contact you. Any assistance you can provide will be greatly appreciated.
Consumer complaint received 2018-07-09
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. (AZ)

I am a victim of identity theft. The following accounts, i never applied for, and they are fraudulent and unauthorized accounts : XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX.
Consumer complaint received 2018-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (VA)

I am a former customer of TD Bank and filed a fraud dispute for two transactions : XXXX XXXX on XX/XX/XXXX for {$410.00} XXXX XXXX on XX/XX/XXXX for {$400.00} These were unknown and unauthorized charges. I called and filed a dispute for both to find out today neither were ever entered or filed. Since then I have closed my account. This is very disheartening as TD Bank has allowed someone to get away with fraud. 

My SSN is XXXX ... XXXX ... XXXX. I no longer know my account number. My DOB is XX/XX/XXXX. My address is on the complaint.
Consumer complaint received 2018-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Paying mortgage payment on line BOA charges a {$6.00} fee if not paid on the XXXX which is the due date. The grace period due date is the XXXX. If I took the payment directly to the Bank on the XXXX there would be no fee charged and the same goes for it if I mailed payment in after the XXXX. no other financial institution I deal with has such a policy .I am XXXX years old with ss as only source of income .These income dates vary by the month causing great inconvenience if I have to drive 50miles on  some months to make timely payment. this fee seems an unjustified hardship especially when the bank in most cases receives its money faster with the XXXX
Consumer complaint received 2018-07-10
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. (DC)

This complaint is in reference to the entry XXXX Account : XXXX entry listed on my Transunion credit report. I have contacted Transunion several times requesting viable evidence bearing my signature and how they verified this alleged account without providing me any proof that this account in fact belongs to me i.e. something with my signature. 
As per FTC opinion letter from XXXX. XXXX XXXX XXXX XXXX you should be aware that a printout of a bill or itemized document does not constitute verification. I am challenging the accuracy, compliance, and reportability of the listing. I do not consent to E-Oscar or any means of automated verification. 
Failure to respond within 30 days of receipt of this notification may result in a small claims actions. In the abscence of any such documentation I formally request that this information be immediatedly deleted from my credit file.
Consumer complaint received 2018-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I disputed items on my credit report with credit bureau , bureau refused to reinvestigate any of the items stating they had previously investigated the items my problem is I asked for proof of investigation which I didnt receive and I contact each creditor to be told they had not been contacted by Experian I want proof of any information Experian has on file in regards to these accounts Accounts in questions are XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX   # XXXX XXXX XXXX XXXX  # XXXX XXXX  # XXXX XXXX XXXX  # XXXX Names on file that I have NEVER used please remove XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX I always sign and apply in my full legal name of XXXX XXXX XXXX Inquired on file that are unauthorized and should be removed XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  / XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX / XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

Well over 30 days ago, I submitted investigation requests to all three credit bureaus : XXXX, Experian, and XXXX XXXX. They should have responded with the result by now, but they have not.
Consumer complaint received 2018-07-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (CA)

On XX/XX/2018 and XX/XX/2018, I sent Midwest Recovery Systems a cease and desist letter via certified mail. they were signed on XX/XX/2018 and XX/XX/2018. 

On XX/XX/2018, I sent Midwest Recovery Systems another letter via certified mail that was signed on XX/XX/2018 To date, Midwest Recovery Systems, is still reporting collection activity to all three Credit Bureaus. They are not in compliance and have violated the FCRA and FDCPA. Please see evidence