davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Nelson Cruz & Associates LLC (MI)

I keep getting calls from the same number every day, and they leave a voice mail, and it's the same pre-recorded voice mail, saying " This is a very urgent and time sensitive message please kindly return our call using the number on your caller ID as soon as possible to be connected with a live representative who made better assist you again please return our call at your earliest convenience thank you and have a wonderful day '' The voice mail never mentions who the caller is or what company they're from. Today, on XX/XX/2023, they called twice with the same message as usual, at XXXX and at XXXX, and they won't leave me alone.
Consumer complaint received 2023-01-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent letters to the credit bureaus telling them that the inquiries on my account weren't mine and were inaccurate. I sent the Letters on XX/XX/22 I haven't heard back from them. 



I understand that under 15 U.S.C. Sec. 1681i ( a ), that the credit bureaus must complete this reinvestigation within 30 days of receiving my letters.

15 U.S.C. Sec. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. Sec. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-01-11
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. (WA)

On XX/XX/XXXX I checked my credit report and found a hard pull from XXXX XXXX XXXX XXXXXX/XX/XXXX on my Equifax report that XXXX did not authorize nor initiate. I immediately contacted XXXX and spoke to someone who confirmed there was an application using my info. She said they would decline the application and remove the pull from my credit history. On XX/XX/XXXX I checked my credit again and the inquiry was still there so I submitted a dispute that day at approximately XXXX XXXX  on the grounds of fraud with Equifax XXXX Less than XXXX hours later I received a notification that the investigation was complete and the dispute denied - no action to remove the inquiry on my report. I then contacted Equifax on XX/XX/XXXX regarding the dispute and was told that I needed to contact XXXX to have them issue a deletion of the pull. Again, on XX/XX/XXXX I contacted XXXX who now claims there is no record of my previous contact or application under my name, social, etc and that I need to contact the credit bureau. Currently, the inquiry on my credit report remains, as neither XXXX nor Equifax will take steps to rectify the fraudulent report. 

If XXXX XXXX claims they now have no record of the credit application, then Equifax should have been able to remove the inquiry after contacting the company for verification after I submitted my dispute to them. This, and the less than XXXX hour turnaround time for my dispute, clearly indicates that Equifax made no attempt to contact the furnisher and simply denied my dispute with no actual investigative effort.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KS)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXXXXXX 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 2023-06-27
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: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-05
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. (NE)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-07-05
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. (FL)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$13000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$1300.00} ; XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX  XXXX ACCT # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-01
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Experian Information Solutions Inc. (SC)

I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : XXXX XXXX Installment account with account opened on XX/XX/XXXX and a balance of {$24000.00}. 
I previously disputed this account stating : " I don't remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ". I don't agree with the results of your investigation. You have failed to provide me with this information via mail Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information and this account. 
XXXX  XXXX Revolving account with account opened on XX/XX/XXXX and a balance of {$140.00}. 
I previously disputed this account stating : " I don't remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
Collection account from XXXX with account and a balance of {$4300.00}. The original creditor is XXXX XXXX XXXX 
I previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter.
Consumer complaint received 2020-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX Opened : XX/XX/XXXX Amount {$420.00} My identity was stolen and used to buy phones. This debt is not mine. 

XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$270.00} My identity was stolen wand used to buy phones.
Consumer complaint received 2017-07-05
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: Collections Acquisition Company, Inc. (CA)

Today, XXXX/XXXX/2017, I noticed that my credit score had dropped from the mid XXXX to XXXX. I ordered a free credit report and found that I was in collections for {$290.00} for a check that bounced to XXXX XXXX XXXX  drawn on a bank that I have never had an account with.
Consumer complaint received 2023-05-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (MN)

Midland credit has a debt of {$560.00} from a past credit card. When I called to pay, I was unable to pay because I needed a letter from XXXX XXXX XXXX  revoking power of attorney. I explained that although I worked with XXXX XXXX this credit card debt was not part of my program and XXXX XXXX  is refusing to send such a letter. Midland is tanking my credit and not allowing me to pay off the debt.
Consumer complaint received 2023-05-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MN)

I am currently behind on my mortgage payments and over the past two months have tried unsuccessfully to obtain a solution by my mortgage servicer. I have complied with every request for documentation within their time constraints and have copies of all correspondence. They constantly claim that documents are either missing or incomplete. 
Even though I've been assigned a representative I'm always told that she is busy, consequently I've spoken to at least eight people and have received eight different answers regarding documentation. In XXXX I had exactly the same experience with this company and was fortunately able to resolve the issue after enlisting the aid of The Office of the Minnesota Attorney General. To paraphrase XXXX XXXX my current dealings with Specialized Loan Servicing have been like deja vu all over again. After doing some research on line I discovered many customer complaints similar to mine with an overall service rating of one out of five stars and the CFPB settlement of XXXX. I feel time is of the essence regarding my situation as I received a notice of intent to foreclose on XX/XX/XXXX. SLS services over XXXX XXXX dollars in mortgages and it is absolutely mind boggling how inefficient and duplicitous they are.
Consumer complaint received 2023-01-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Amount : {$1000.00} Account Type : Charge Off This company has failed on XXXX  occasions in the past XXXX XXXX to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation. 

Proof of XXXX of XXXX Requests were ignored by the company since XX/XX/XXXX.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-02
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: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I purchased a vehicle from XXXX XXXX which was a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. So I have several late payments that are not suppose to be on my credit report according to XXXX XXXX XXXX under exclusions. Except as provided in paragraph ( XXXX ), the term consumer report does not includea report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2023-01-02
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: SANTANDER HOLDINGS USA, INC. (MO)

In accordance with the Fair Credit Reporting act Santander Consumer USA Inc. # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-12-05
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (MD)

1 ) The mortgage servicer PNC Mortgage has failed to accept and permit the submission and review for Mortgage Assistance to Mr. XXXX XXXX XXXX. XXXX XXXX XXXX was approved for a trial modification in XX/XX/XXXX. XXXX XXXX completed the required 3 trail payment and signed final Modification agreement on XX/XX/XXXX. PNC Mortgage refused to accept the signed and notified trial agreement because of alleged error. PNC Mortgage then proceeded to return file to foreclosure status and continue to contact an auction of Mr. XXXX residence. 
2 ) PNC Mortgage also has denied and rejected any and all mortgage assistance applications since the date of XX/XX/XXXX, citing that Mr. XXXX could not receive assistance because he has exceeded his mortgage assistance attempts. However, PNC mortgage has not provided an evidence of such agreement between PNC Mortgage as servicer or owner of note. Although documentation has been requested multiple times by me. 

3 ) PNC Mortgage improperly started the foreclosure process prior to the customer, XXXX XXXX XXXX being 120 days delinquent. Federal Law requires a 120-day Pre-foreclosure period by CFPB mortgage assistance guidelines, ( per 12 CFR 1024.31 ) The promissory note or any other loan contract does not contain a due-on-sale provision, thus 120-day rule is in effect. 

4 ) PNC Mortgage has not applied, or improperly applied payments made during trial period of approved modification.

5 ) In addition, this constitutes dual tracking, based on the process starting before the 120-day delinquency period and PNC Mortgage representatives stated that file would be reviewed for mortgage assistance programs ; however instead a sale date was entered into the system for XX/XX/XXXX. 

6 ) PNC removed the above sale date due to a ratified contract to sale my home. However, said contract fell through. A new application for homeowners assistance was submitted to PNC Mortgage on XX/XX/XXXX. 

7 ) PNC Mortgage did not review application instead PNC Mortgage ignored submission and entered a new sale date of XX/XX/XXXX. 

8 ) In addition, PNC Mortgage violated the SCRA Act when this process started several years ago, as I was still XXXX XXXX in the XXXX XXXX as XXXX XXXX XXXX.
Consumer complaint received 2017-05-15
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Worldwide Processing Group, LLC (TX)

XXXX XXXX, 2017 Forward Movement Recovery has contacted me repeatedly about a payday loan collection. I have never had a payday loan. 

They have threatened to contact my employer, garnish my wages, place it on my credit report and even have me arrested for bank fraud. 

I have blocked their phone number but they just get new ones and try again. 

I have requested written verification, they refuse and claim they are not subject to the Fair Debt Collection Act because they are not a collection agency. 

Various phone numbers : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-10
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: EQUIFAX, INC. (SC)

These accounts are reported inaccurate information on my credit that's not allowed by law everything has to be 100 % accurate 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 2023-06-27
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: Experian Information Solutions Inc. (TX)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 2023-07-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC (CA)

I was contacted by XXXX XXXX on behalf of a debt collection I have with Jefferson capital systems. I have interest in resolving the debt and I provided my social. They seemed legitimate when I was speaking to a manager until he provided me with the name XXXX XXXX then when I asked for a letter sent to my physical address with proof of their relation to XXXX XXXX and the debt they quickly ended the call and said they would report that I didnt want to resolve the debt to the official collection agency, XXXX . Im worried I provided my social to a potential scam. When I try to look them up I can find nothing related to their company or a number to call. I called the number back and it rings and then ends. No live person.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

XXXX, Equifax, XXXX are all knowingly report accounts on my consumer credit report without full compliance of the FCRA. 

Multiple accounts reports as verified but still reports accounts is inconsistent with all of the major three credit reporting agencies. Incomplete name and address currently being reported.

Unverified and inaccurate balance and past due amount.

Collection accounts that has not been verified through methods of authentication as required by federal law. 

Old accounts and or reinstated accounts which has not been notified five business days prior as required by federal law Misleading information being reported to damage consumer Credit. 

XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX misleading account name and address on all three major credit reporting agencies including XXXX Equifax and 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 creditors name and address. Violation of federal law