davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-18
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. (MO)

To Whom It May Concern : I am writing to dispute certain personal information appearing on my credit report maintained by your bureau.

Upon reviewing my credit report, I noticed discrepancies in the personal information section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information.

Below is the personal information that needs to be reviewed and potentially removed or corrected from my credit report. XXXX XXXX XXXX. I certify that the personal information provided above is accurate to the best of my knowledge. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit.

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any inaccurate information from my credit report. 
Enclosed with this letter are copies of documents that verify my correct personal information, including a government-issued identification card and any other supporting documents.

By the provisions of the Fair Credit Report Act, I demand that these items be investigated and removed from my report.It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify.I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of 5 my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past 6 months. 15 USC 6802 Obligations were to respect to disclose of personal information Part b opt out. A financial institution may not disclose non public personal information to a non public affiliate or third party. 15 USC 1692F part 6 unfair practices, talking or take any non judicial action to effect or dissent disabledment of property. Theres no present right to claim it. Sincerely
Consumer complaint received 2020-08-19
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: CORELOGIC INC (NC)

3 letters from XXXX XXXX  requesting removal. The was an illegal inquiry/pull of my credit report by XXXX XXXX in XXXX. XXXX   and core logic are displaying illegal and allowing illegal use of my credit report. I don't have and never had account with XXXX XXXX or giving anyone permission to pull my credit report or put anything on it which is supported by attachments. Even after XXXX XXXX sent letters that acknowledged this XXXX and core logic continues to display illegal innacurrate information. Information remains on report in relation to illegal inquiry. Also corelogic stated that I requested a fraud alert and also that they sent me a letter. That is absolutely false. I already had fraud alerts and blocks on my credit report because of fraudulent activity. They never sent me a letter, they just using that to cover there XXXX. All documents have been attached including XXXX   acknowledgement of illegal account and the request to delete it from XXXX corelogic, false statements made on behalf of corelogic and fake letters they said they sent.
Consumer complaint received 2020-08-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (IL)

I am trying to refinance/modification for my loan but since it is not the 1st loan on the house the provider can not help with refinance or modification. The loan terms expires in XX/XX/2020 and the balance is around $ XXXX. due to the pendemic i was out of a job. They just flat out denied the modification. 

Please help
Consumer complaint received 2024-08-20
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. (PR)

Remove this Account because the payment history reflects continued reporting a charge off after this Account was closed in XX/XX/year>. 

XXXXXXXX XXXX XXXXXXXX That is an improper use of my crdit report
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-20
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. (TX)

I am writing to report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.
Consumer complaint received 2024-08-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (PA)

I called the company and the bureau to let them know this information was inaccurate and based on the FCRA 611 they did not follow the correct laws nor provide proof of verification with a wet signature. I am not liable for this credit collection XXXX  account with the balance of XXXX, I was not provided with the original contract.
Consumer complaint received 2020-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ascension Point Recovery Services, LLC (NC)

my father died in XXXX of last year. had debt with XXXX credit card. i did a estate for father and after funeral paid and such only was {$88.00} and some change left so i sent to only creditor which wanted their debt paid, which was dcm services.check was returned saying wassnt full amount. now they sent to another agency and now they are harrassing me. my name not on debt at all. i advised dcm to stop harrassing me, but still continues and now another. last that was mailed was in my name, now i am afraid they are trying to aapply this to my credit for non pay. need to get stopped and my credit file checked they havent applied this as my debt. i spoke with a cfpb spokesperson and she advised me to file complaint to get stopped. she was very helpfull
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: WLCC (OH)

I got a letter from XXXX XXXX  stating that on XX/XX/year> there were some type of Internet inquiry or loan taken out with WLCC landing XXXX Merritt financial trust. This is not me.
Consumer complaint received 2024-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NY)

Im a victim of fraud. Chase, XXXX XXXX XXXX XXXX XXXX XXXX are all things I never opened or authorized to open this is messing up my credit when Im trying to build it
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (NY)

sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX  ) to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (MA)

Dear Consumer Financial Protection Bureau, I am writing to formally dispute an alleged collection account that is being reported on my credit report by CAVPS Cavalry Portfolio Services. This account references an amount of {$1100.00}, purportedly from the original creditor, XXXX XXXX, with the account number XXXX. Upon contacting XXXX XXXX directly, they were unable to locate any records associated with my file. I am unaware of any relationship with either XXXX XXXX or CAVPS Cavalry Portfolio Services, and I believe this account is fraudulent.

This reporting is a violation of my rights under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I request that you investigate this account and take immediate action.

To resolve this matter, I am requesting that CAVPS Cavalry Portfolio Services provide the following : Proof of their authorization under 15 USC 1692 ( e ) and ( f ) to collect this debt. 
The legal basis for their collection efforts.

Proof of their authorization to operate in my state.

Evidence supporting the alleged debt, including any signed contracts or agreements.

A full and complete account history, including all related charges and transactions.

Their failure to provide this information violates FDCPA 1692d, 1692e, 1692g ( b ), and 1692f. I demand that this fraudulent account be immediately removed from my credit report, and this matter be resolved without further delay.

According to the provisions under the FCRA and FDCPA, I demand that this item be deleted from all three credit bureaus as soon as possible. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must DELETE any erroneous reports of this past debt as mine from the credit bureaus.

I appreciate your prompt attention to this matter and look forward to your assistance in correcting this issue.

Sincerely,
Consumer complaint received 2020-08-19
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX {$570.00} XXXX XXXX   XXXX {$940.00} XXXX XXXX XXXX  XXXX {$300.00} XXXX  XXXX {$570.00} XXXX XXXX  XXXX {$940.00}
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (TX)

I had to enter into a Covid-19 related forebearance plan with my Mortgage Servicer, XXXX. Everything was approved. Due to financial hardships, I had to sale my house. I went into my Forebearance around XX/XX/2020. I immediately put my house on the market and it was sold, it closed on or around XX/XX/XXXX. The loan was successfully paid off and I was paid my share of the profit from the sale. 
XXXX has reported my credit has over 120 days late and missing payments for XXXX, XXXX, XXXX and XXXX. 
My credit score has plummeted from around XXXX to below XXXX. I have reached out via XXXX, XXXX  and XXXX  with disputes but XXXX didn't change it. 
I called Loancare, multiple times. Everytime I call them, I am told they did not report anything negative, it must be the credit bureau. I would think that if it was just one bureau. But currently XXXX  and XXXX both report the exact same negative information. 
I have called and emailed Loancare numerous time and no one has emailed me back. On the phone calls, after waiting on hold for over an hour each time, all they tell me is they do not see anything negative on " their end '' and there is nothing they can do. I have worked very hard for my good credit. I have XXXX late payments and a really good score, until this issue.
Consumer complaint received 2020-08-19
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. (GA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results. 

XXXX XXXX XXXX XXXX XXXX, XXXX. 

XXXX XXXX XXXX
Consumer complaint received 2020-08-19
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. (NE)

I have sent letters, called, disputed and they still are reporting unauthorized charges for 4 years as a charge off every single month on my credit report and making my credit score suffer for something they wont even verify and keep reporting stating their information is accurate ... its not, the charges that brought this account to the point of past due Ive told them this was fraudulent and the card was stolen. Ive even paid the balance without interest just to make it go away with them and they still insist on interest and will not even listen that this was Identity Theft! And to this day are collecting on this, refuse to verify and provide verification that the charges were in fact made by me but they were not and instead Im paying the price getting denied loans because of this one card that I didnt authorize the purchases on and have been fighting with them ever since. The balance reported at XXXX charged off. The balance is now XXXX. Totaling XXXX which is the card max. I paid XXXX of charges that I didnt make and they still want to be the only blemish on my credit report over {$300.00} and being too lazy or stubborn because they just want money even if that person didnt do it!
Consumer complaint received 2020-08-19
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: Experian Information Solutions Inc. (FL)

MY INFORMATION WAS USED TO OPEN FRAUDULENT ACCOUNTS THE ACCOUNTS LISTED DO NOT BELONG TO ME MY INFORMATION WAS STOLEN I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAs. On XX/XX/2020, I mailed XX/XX/XXXX, XX/XX/XXXX and  Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2024-10-11
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Mr. Cooper Group Inc. (TX)

This has been going on for about 4 months, it started back in XXXX and is still currently ongoing. The mortgage / loan company Mr Cooper has been intentionally delaying my loan assumption transfer over to another fellow veteran, XXXX XXXX, the purchaser of my home and assumer of the loan. This is a VA loan and we are both XXXX veterans. We feel as if we are being taken advantage of. We've been told multiple different things from different employees which conflict with each other, delaying the process even more. We've been told to get the same paperwork multiple times only for the loan to be continually kicked back and rejected. We've been lied to on multiple occasions about the timeline and expectation of both conditional approval and final approval with the loan. A lot of back and forth of emails and phone calls and false promises that have nothing to show for. The realtors I'm working with also are telling me that it seems intentional. I've provided some screenshots of just some of the promises that they have been saying about final approval/conditional approval that's been going on for months now. I just want them to finish the job and stop giving excuses. They're very inefficient and seem to lose paperwork constantly, miscommunicate, give misinformation and just confuse and stress out both parties both me the seller and the buyer. Never have I seen a company so dysfunctional and so inefficient. I seem to be powerless against them and feel completely helpless.
Consumer complaint received 2023-04-18
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. (TX)

On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 35 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data branch and may have got into the hands of the wrong person.
Consumer complaint received 2020-08-19
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)

XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This Address was reported to XXXX by XXXX XXXX and 1 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 
XXXX Address ID Number XXXX Report Number XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$870.00} written off. {$870.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$870.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX  XXXX potentially negative icon Potentially Negative StatusTransferred, closed. 
Account TypeCredit card Balance- Date OpenedXX/XX/XXXX Dispute XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeAuto Loan Balance {$8000.00} Date OpenedXX/XX/XXXX Dispute XXXX   XXXX potentially negative icon Potentially Negative StatusPaid in settlement. {$8800.00} written off. 
Account TypeNote Loan Balance- Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeUnsecured Balance reporting wrong address and accounts
Consumer complaint received 2024-10-10
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Northstar Location Services, LLC (CA)

Attached is a breakdown along with supporting documents. 

Northstar Location Services , LLC is attempting to collect a debt. The vehicle, a XXXX XXXX XXXX, was repossessed with approximately XXXX miles and sold for {$63000.00}, while the original amount owed was {$86000.00}. ( diplay price {$70000.00} ) A down payment of {$5000.00} was made, followed by consecutive payments of {$1300.00} and {$1500.00} for the next XXXX months. 

Breakdown of the charges and adjustments XXXX ; t make any sense for us + {$18000.00} No exact break down
Consumer complaint received 2024-10-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (SC)

buy my house from XXXX  but lose my job so i ending up falling behind on my payment apply to the company for help so they offer to help me by doing a home modification, the amount that owe on my house is {$140000.00} so i fall behind by about {$8000.00} so they require me to make XXXX straight witch i did i ask them to put the {$8000.00} to the back of the loan so they did and then add {$100000.00} more to my mortgage and call it a balloon loan and said i cant 's pay nothing toward the new {>= $1,000,000} that they otters the end of the loan term when i pay it all i of to pay the full {$100000.00} all at once if not i will lose my house and i of to sign and return this agreement before the XXXX of this if the house will in foreclosure, no explain what the {$100000.00} is for please help i put everything i work for in this house, thank you
Consumer complaint received 2024-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (VA)

I am a resident of XXXX and have been my entire life. I have never heard of XXXX XXXX XXXX & was never provided any information regarding this debt. I only discovered it recently on my credit report. I have no associated with this account or this company.