davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 's mailing address for dispute requests is : XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Account Number Num : XXXX Balance {$500.00} Dear Sir or Madam, I am writing in regards Null Medical account on my credit report. On XXXX/XXXX/16 I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

Re : Dispute of Unauthorized Inquiries on my credit report I am writing to dispute unauthorized inquiries on my credit report maintained by your agency. Despite my previous attempts to resolve this issue, these inquiries remain on my report. 

Unauthorized Inquiries : [ inquiry ] XX/XX/XXXX ] [ XXXX XXXX XXXX ] I have been a victim of identity theft, and someone has been using my personal information without my consent. I have contacted XXXX XXXX, Experian, XXXX and informed them of the unauthorized activity. However, they have refused to remove the inquiries. 

Previous Dispute Efforts :. Date of initial dispute : [ XX/XX/XXXX ] Method of dispute : XXXX XXXX XXXX XXXX representative XXXX XXXX XXXX ] Request : I request that you : XXXX. Immediately remove the unauthorized inquiries from my credit report. 
XXXX. XXXX an investigation into this matter. 
XXXX. Provide documentation supporting the removal of these inquiries. 

FCRA Section 611 Pursuant to Section 611 of the Fair Credit Reporting Act ( FCRA ), I request that you take prompt action to correct or delete the disputed information. 

Personal Information : Name : [ XXXX XXXX ] Address : [ XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ] Documentation : I have attached a copy of my Identity Theft report ) to support my claim. 



I certify that the information provided is accurate and true. I authorize your agency to investigate and correct my credit report
Consumer complaint received 2024-10-10
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. (SC)

I am writing to express serious concerns about several issues I have encountered with the credit bureau, including false account entries, multiple unauthorized inquiries, inaccurate credit reporting, billing discrepancies, and accounts that are not mine.
Consumer complaint received 2016-09-08
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Dovenmuehle Mortgage, Inc. (PA)

Please see case # XXXX with Dovenmuehle Mortgage Company. Today I am complaining about excesses fees and no return of " bankrupcty fees '' I was released from from previous XXXX Mortgage - Please find attached letters ( 2 ) from XXXX. Additionally, I completely paid off the exagerated fees to get rid of Dovemnuehle and they have NOT forwarded my deed or additional documentation ending our business together. Find attached their last statement to me and the check that they cashed. I have a statement from the CLARIFY agency, where the inspections fees were asked to be verified by Dovenmuehle. They could not. This mortgage was current, paid every month, not on time, but current. Your assistance in securing my deed and any additional fees owed to me from these people is greatly appreciated.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Employers : XXXX XXXX Employers : XXXX XXXX XXXX
Consumer complaint received 2016-09-09
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I submitted a mortgage application to the XXXX XXXX branch of Citizens Bank located in XXXX, NY in XX/XX/XXXX. The mortgage broker for Citizens sent me a closing cost estimate and embedded into the estimate a full point without disclosing to me he was doing that. It was clear he did so in order to lower the rate and become more competitive with other lending institutions I was talking to. It turned out that the cost of the discount point was more that the interest I would have saved if I had taken his rate. When I complained to the branch what he had done the branch negated his action as unimportant.
Consumer complaint received 2016-12-14
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capitol One refused to correct incorrect information it continues to furnish to credit agencies regarding a credit card account I closed in XXXX. Capitol One reports an open Capitol One Credit Card with a Revolving Account, an overdue balance, a status of past due, and missed payments. I did open an account with Capitol One briefly on XXXX XXXX, XXXX, but I never made any payments on this account or used it in anyway and I closed the account in XXXX XXXX. Capital One kept this account open by mistake and mistakenly charged a {$23.00} administrative fee, despite that I had already closed the account and completed all payments. I was able to work with a customer service representative at Capital One and confirm the account was closed, and since XXXX, I have discussed this matter with other Customer Service representatives over the years, and they have confirmed that the account is closed and no payments are due. I have never received any notice of this account or any bill since XXXX. Yet Capitol One continues to provide incorrect information about this account to Credit Reporting Agencies. This negative information is damaging my credit score. My negative credit score is impacting the rate at which I am able to obtain various loans and causing additional monthly payments.
Consumer complaint received 2019-01-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP (CO)

My prepaid XXXX ( managed by US Bank ) card was part of a data theft on XX/XX/XXXX and was turned off. They sent a replacement to an address I no longer live at and I had to wait 10 days until I could get a new replacement. Ever since, no matter what address I give them the card does not show up. I've asked them to send it via a trackable method, but they want to charge me for that. I feel like they are illegally withholding the funds on my account.
Consumer complaint received 2019-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

THIS FINAL DOCUMENT SHOULD HOPEFULLY AND FINALLY RESOLVE THIs ISSUE. THIS IS NOT A DUPLICATE COMPLAINT. I have an account that is being incorrectly reported on by Equifax and XXXX. XXXX has finally corrected the issue on their end. Account number XXXX through XXXX XXXX XXXX ( originally through XXXX ) should be reported as Paid in XXXX and Closed as of XX/XX/2016. Equifax is incorrectly still displaying this item as open. XXXX is displaying this item as in Collections as recently as XXXX of this year. It needs to reflect that it has been paid in XXXX and closed since XX/XX/2016. I have included a correspondence with XXXX XXXX XXXX explicitly indicating the correct status and Paid In XXXX  and Closed and also the Date which the account was closed XX/XX/2016.
Consumer complaint received 2020-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (PA)

Company check my credit without my consent which put hard inquiries on my credit I would like to get them removed it was improper use of my credit XXXX, XX/XX/2019 XXXX XXXX XXXX, XX/XX/2019 2019
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I filed a bankruptcy in XXXX and it was dismissed in XX/XX/XXXX, however in XX/XX/XXXX it was updated to reflect in a current bankruptcy when it should show as dismissed. I contacted the bankruptcy court trustee secretary via phone and was advised that they did not report this information. SO the bankruptcy is accurate but it should show as dismissed. Please update records ASAP as it is affecting my quality of living which includes securing a job and residence.
Consumer complaint received 2024-10-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (NJ)

Navy federal sent my credit card debt to a company called XXXX XXXX XXXX XXXX I called the number XXXX today at XXXXXXXX XXXX Thursday XX/XX/XXXX. I requested to access my debt online to make payments. I also requested a statement sent to my house. they said no and that I can only pay it in full, over the phone. My debt is over {$8000.00} so I can not pay a debt that large over the phone in that manner!
Consumer complaint received 2020-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

THE DISPUTED BANKRUPTCY ACCOUNTS HAVE BEEN DISMISSED AND I WOULD LIKE TO HAVE THEM PERMANENTLY REMOVED OFF MY CREDIT FILE. THIS ACCOUNT HAVE DAMAGE AND HARM MY CREDIT FILE WHICH HAS CAUSED ME TO BE IN DISTRESSED BECAUSE ITS HAS STOP ME FROM ACQUIRING NEW CREDIT AND HAS PUT MANY PERSONAL ISSUES ON HOLD.
Consumer complaint received 2020-03-28
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. (OH)

My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have live here for ove 10  years.The following addresses are not mine please delete/remove : XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX
Consumer complaint received 2020-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have live here for ove 10 years.The following addresses are not mine please delete/remove : XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX NC XXXX
Consumer complaint received 2016-12-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There was a fire in a home I owned. My homeowners insurance company ( XXXX ) sent a check to my mortgage company ( XXXX ) for {$42000.00} that was supposed to be given to me to rebuild my home, or used to pay down my mortgage. With it, they included a letter to XXXX Stating that if more money was needed to pay off my loan, that all that needed to be done was for them to ask for the rest of the money. I never received a copy of the check or letter. XXXX cashed the check but never credited my mortgage account. My original loan amount when I bought the house was {$62000.00}. I had paid it down to {$58000.00}. The check from state farm for {$42000.00}, was supposed to bring my balance down to {$16000.00}, but XXXX never credited my account. They also could have asked XXXX for the remainder of the money, or at least informed me of the check and letter, so I could have asked XXXX for the rest of it. Year after year, XXXX reported to all XXXX credit bureaus that I had not made any new payments to my mortgage, and that the balance was still {$58000.00}, when in fact they DID CASH the check for {$42000.00} and so my balance was actually only {$16000.00}. I made over XXXX calls to XXXX attempting to get them to correct the balance on my account and no one was able to. I took it all the way to the office of the President at XXXX. Eventually, XXXX fraudulently Sold the entire amount of my loan ( {$62000.00} ) to a 3rd part loan servicing company called XXXX. XXXX, ALSO reported to all XXXX credit burreaus that I then owed them {$62000.00}. I also contacted them MANY times to tell them that I already paid it down to {$16000.00}. Despite my sending the credit bureaus a 2 sided copy of the check from XXXX that XXXX cashed, they still refused to remove the item from my credit report. I would like all negative items from XXXX and XXXX removed from my credit report. The copy of the check that was cashed by XXXX is attached. Also attached is my credit report. Please note the XXXX item is on page 3 and the same item as reported by XXXX is on page 10.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.
Consumer complaint received 2019-10-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Williams & Fudge, Inc (OR)

I sent a request for validation of debt to Williams & Fudge Inc. on XX/XX/2019. I still have not received proof of debt from this company. 

They made contact with me via phone on XXXX/XXXX/2019 and still did not provide any validation of debt.
Consumer complaint received 2024-10-10
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. (FL)

I am XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2016-07-22
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: GLA Collection Company, Inc. (IN)

I have been called repeatedly for these debts. They are all for the same issue and they have n't sent just XXXX bill. When you go to this place they send XXXX different bills so its difficult to know what you 've paid and what you have n't. They also got the money from my insurance and now want more. They call repeatedly. leaving no voicemails from different numbers and I have n't been able to come to a resolution for a amount. There the main reason my credit is so messed up.
Consumer complaint received 2016-11-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

I have several private student loans through Navient for approximately $ XXXX. I have made every attempt to pay them and made several ; repayment agreements that Navient never fulfilled. I would make an agreement and start paying and they would continue to harass me and mis appropriate my payments. This has severely impacted my credit as well as my husbands. They are false reporting information to credit bureaus. I make am payment and then 2 days later i get called, my family gets called, and we are all threatened but meanwhile i already made my payment. The payments I do make are specific to certain loans. They have taken my payment and put them towards newer loans and others loans. All but the ones I specified. 
They even went so far as to call my neighbor and threaten him telling him my personal account info including total amount outstanding, social security number, and account numbers.
Consumer complaint received 2016-07-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NV)

Loan # XXXX I am writing to report gross neglect in regards to This Short Sale. I commenced the Short Sale XXXX/XXXX/2014. I had spent many many months gathering information for the bank and all parties in the transaction had compiled with all of the banks requests. Wells Fargo have been slow to respond, they request the same paperwork stating did not receive. XXXX XXXX was the assigned rep several months ago and now states the file is gone to another dept. Yet again more delays and no resolution. While is shorts status the lender is proceeding with a foreclosure. With XXXX buyers it is my belief that wells fargo are intentionally trying to foreclose this property. We Have a current buyer in place and yet again Wells Fargo are not responding. 

Your Help would be greatly appreciated Thank you XXXX XXXX
Consumer complaint received 2016-12-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HW Holding, Inc (TX)

Hunter Warfield is price gouging. I have attempted to settle the debt. The company continues to raise the price. The first settlement was XXXX then XXXX now it 's XXXX. I paid XXXX to the original debt at XXXX. The company was sold now hunter Warfield is trying to from them and take advantage of my situation. The rent owed was XXXX of which I paid XXXX before I left ( courthe documents prove ). Now, there were clothes on the floor when I left that 's it. Carpet must be changed for each Tennant as per tn state code yet they charged me for carpet. I was actually in my last month of my lease so there were no extra charges. I am willing to pay a fair amount, XXXX is ridiculous expecially since the company no longer exists.
Consumer complaint received 2016-11-05
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC. (DE)

MIDLAND FUNDING LLC HAS BEEN ASKED TO STOP CALLING ME BUT EVEN AFTER cease and desist letter they still do. I asked them for a validation Letter and they never responded. Also I have asked them to take their 3rd party collection off of my credit profile. Under the FDCPA, you have the right to " debt validation and They are not giving to me so I would like this taken off my credit. and my credit profile.