davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2017-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: COLLECTION SERVICES OF ATHENS, INC. (GA)

I previously filed complaints with the Better Business Bureau that the company failed to respond to this year. 

I previously filed a complaint with the Consumer Financial Protection Bureau in XX/XX/XXXX of this year in which the company alleges that they validated the debt via mail without providing any proof. More than likely if they sent any vailidation as they alledge it was sent to an incorrect address. 

The company has since changed the date of last activity and date reported to this listing as XX/XX/XXXX which is a violation of the FCRA. Per their own statement in my last complaint they first reported this in XX/XX/XXXX but this is not what is currently reflected on their listing on my XXXX Credit Report. 

I am XXXX and I feel this company is trying to take advantage.
Consumer complaint received 2017-11-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

ON XX/XX/XXXX, WE WERE HIT BY HURRICANE IRMA. OUR HOUSE WAS DAMAGED AND WERE UNABLE TO WORK FOR THREE WEEKS WE WE WERE WITHOUT POWER FOR TEN DAYS. ONCE IN THE HOUSE, IN XX/XX/XXXX WE CALLED ALL THE CREDIT CARDS TO EXPLAIN THAT OUR STATE WAS DECLARED DISASTER ZONE AND IT IS MY UNDERSTANDING THAT ALL THE CREDITORS AGREED AND ARE SUPPOSED TO GIVE YOU ASSISTANCE WITH THE PAYMENTS FOR THREE MONTHS, AS PER AN AGREEMENT BETWEEN THE GOVERMENT AND THE CREDIT CARDS AND BANKS. 
WE HAVE AN ACCOUNT WITH BANK OF AMERICA, WE CALLED THEM AND THEY AGREED TO THE ASSISTANCE WITH THE PAYMENTS FOR THREE MONTHS. 
ALL THE CREDIT CARD DEFERRED THE PAYMENTS TO START TO COLLECTING THE PAYMENTS DUE IN XX/XX/XXXX AND TO WAIVED ALL LATE FEES AND ONLY COLLECT ONE PAYMENT PLUS THE ACCRUED INTEREST. 
NOW I RECEIVED A BILL FROM BANK OF AMERICA, THEY ARE NOT ONLY COLLECTING THE INTEREST, LATE FEES AND THREE PAYMENTS AT ONCE, THEY REPORTED ME TO THE CREDIT BUREAU FOR BEING LATE OVER 60 DAYS!
Consumer complaint received 2017-11-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FINEX Group LLC (CA)

XXXX XXXX XXXX truck from XXXX XXXX towed a truck that was parked in XXXX XXXX XXXX, in XXXX XXXX, California. According to XXXX XXXX XXXX truck was charging me {$30.00} per day. I never went back to XXXX XXXX XXXX truck to get my truck out. Instead I sing the pink slip releasing my property to XXXX XXXX XXXX. In addition, XXXX XXXX XXXX sold my debt account to Finex Group, LLC. I feel I should not be responsible for The {$2300.00} debt that Finex Group is charging me cause I had release my truck to XXXX XXXX XXXX. Last, I do n't understand why they had to sell my debt to a collection agency.
Consumer complaint received 2017-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXXXXXX has reported on my credit report for XXXX that I had 3 payments 30 or more days past due this information was and is incorrect i have sent numerous letters and responses to them asking for information regarding this reporting the bank continues to send me responces stating that my credit report is accurat but no documentation supporting the reporting of negative payments i have sent the XXXX XXXX XXXX numerous document showing past mistake of my payment that were misapplied by thier associates yet they still will not correct my credit report the XXXX XXXX XXXX has the wrong infor mation on my payment, balance last payments amount made & ect i have recently sent them a letter ( This is the exact letter ) and other information im having problems with the problem im having Date BLANK BLANK BLANK Complaint Dispute on credit report reporting XXXX XXXX XXXX Address Mail XXXX fl XXXX XXXX XXXX XXXX FL Zip Code XXXX Regarding Account Number ( Blank ) &  Account Number ( Blank ) I ( blank ) on this XXXX Day of XXXX XXXX do hereby request a complete copy of my payment history from XXXX XXXX XXXX to XXXX XXXX XXXX this request is to include dates of all payments that was made on these accounts dates of all payments that were past due on these accounts and dates payments was paid to these account s after due date. I ( Blank ) am also requesting all letters and correspondence advising me / making me aware of my past due payments I also request all payments showing my account were paid 30 or more days late I ( Blank ) also request all payment dates and how payment was made ( Ex XXXX XXXX XXXX XXXXXXXX. XXXX Please Mail this information ASAP
Consumer complaint received 2017-05-18
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Genesis Lending (CA)

I attended   XXXX   XXXX   XXXX   XXXX   campus from    XXXX   XXXX  -  XXXX   XXXX  . The school had me take out a Genesis Loan. When the campus clos ed i was still paying on my  Genesis lo an, when genesis closed down they changed to another company that i cant remember the name of and then changed again to   XXXX   XXXX   XXXX   (  XXXX  ). My g enesis Loan  was approximately {$4900.00}. Currently through  XXXX  i owe {$4300.00}. I tried explaining to  XXXX  that a school made me take out this loan and i was unable to make the minimum payment and also me being in school and the loan company told me since it was a private loan they dont do defferments so i was going to have to find a way to pay for the loan. I currently get  3-4  calls per day from this company.
Consumer complaint received 2021-07-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (MD)

LoanDepot representative knew I was working with another lender and stated that they can refinance my home. After paying two lenders Appraiser fees of {$1000.00}, which Loan Depot fee was {$470.00}. Now LoanDepot stated they can not move forward after working with them from approximately late XX/XX/XXXX, provided proof of three incomes, bank statements, tax returns fiscal year XXXX, XXXX, XXXX and paying Appraisal fee which should be refunded. LoanDepot should refund my Appraisal fee of {$470.00} because my Appraisal was over {$100000.00}. than my loan about of {$370000.00}. My house was build in XXXX for {$610000.00}, it is XXXX sq feet, 5 bedrooms, 3.5 bathrooms, full finish basement, theater room and bar with sink and refrigerator. And, this home was build with special features and has upgrades. The Appraiser report states that my home can be worth {$480000.00} to {$520000.00}. Loan Depot refuse to refund the Appraisal fee before the Appraisal and under duress I moved forward with the Appraisal that is subjective judgement that was stated home worth {$480000.00}, which I can sell for more. 

I was not provided any explanation for not moving forward and no call returns. Loan Depot took my personal information for months and got the approval to move forward and by not moving forward cause me a lost of {$470.00} Appraisal fee, which I want refunded. I just today XX/XX/XXXX seen an email sent to me on XX/XX/XXXX not to move forward. If financial institutes are allow to work in this fashion it will cause a financial impact on the customer credit report for all the different credit pulls and Appraisal fees and confusion with who own your loan due to the inquires.
Consumer complaint received 2023-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

REOPENING CLAIM XXXX I have received NOTHING IN WRITING from Pennymac despite promise to mail escrow documents and statement plus summary of the claim. The only information I have received is the attachment to the claim on the Consumer Finance website under my claim.

Pennymac is NOT doing what they promised. I have NEVER signed up for electronic documents. They keep sending me SPAM asking me to sign up for it, and I keep deleting without doing so.

What are my next steps? Do I have to refinance to get away from Pennymac 's failure to send me documentation as required by law?
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally request the blocking and deletion of fraudulent accounts and unauthorized inquiries from my credit report under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of identity theft as a result of a data breach, and the following items on my credit report are fraudulent and unauthorized by me. 
Fraudulent Accounts : 1. Creditor Name : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX o Balance : {$1600.00} XXXX. Creditor Name : XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$7200.00} 3. Creditor Name : XXXX  XXXX XXXX  Account Number : XXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$3900.00} XXXX. Creditor Name : XXXX XXXX XXXX Account Number : XXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX  Balance : {$00.00} XXXX. Creditor Name : XXXX  XXXX XXXX  Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$510.00} Unauthorized Inquiries : 1. Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. Creditor Name : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. Creditor Name : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX. Creditor Name : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX. Creditor Name : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I notice some inaccurate and incomplete on my credit report last month so I sent XXXX a letter on XXXX disputing the negative information including personal information and inquiries with XXXX certified receipt XXXX XXXX XXXX XXXX XXXX. Have not heard from them regarding this matter, per 15 USC 1681a all items have to be 100 % accurate and complete. I am asking for assistance to speed up the process because it keeps me from buying a home. I sent TransUnion and XXXX letters as well pertaining to the inaccurate items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting 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. (FL)

I had frozen my account with EXPERIAN, and I wanted to unfreeze it. Apparently I have the wrong password. 

I can not get in touch with a human on their phone number to help me access the account. There does not seem to be a way to get to a representative. I mailed them documentation to prove who I am as per their mailing instructions. I have heard nothing back from them. 

I need EXPERIAN to contact me by mail or phone so I can regain access to my account. 

XXXX XXXX, XXXX. 
XXXX XXXX
Consumer complaint received 2024-03-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (OK)

Please remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize these accounts, and I have no knowledge of their origins. According to USC 1681g, I am requesting their removal within the next 15 days.
Consumer complaint received 2017-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (CA)

While reviewing our credit rating on XX/XX/XXXXwhich has been excellent we noticed a negative entry which was unknown to us. A small amount of money was supposedly owed to Macy 's which we had no knowledge of. This debt allegedly occurred possibly in XX/XX/XXXX or XX/XX/XXXX. XX/XX/XXXX???!. We do n't even have a Macy 's credit card. We contacted Macy 's and they referred us to the Credit Card company .... as well as their loss protection/fraud department. Telephone calls have continued to be placed to the credit card company as well as the Fraud Dept despite a collection agency assuming the money owed. The amount went from under {$50.00} up to over {$300.00} and we 've continued to receive letters demanding payment. I 've sent certified letters to the Fraud Division, Macy 's CEO as well as the collection agency demanding proof of the money owed. They keep asking for credit card numbers and we have NONE. Recently the collection agency told me the account was referred back to Macy 's. A week later we received another demand letter. We have spent over {$45.00} in certified mailings and this thing continues. Had I not asked questions regarding the negative entry on the credit score who knows where this would be.
Please stop this harassment.
Consumer complaint received 2017-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Receivables Management Partners, LLC (MI)

This is a matter that happened 22 years ago ( XXXX ). The community I lived in took me to court even though I was no longer on a lease, and had a month to month agreement. I moved out and left no forwarding address. It was n't until after I found out about the judgment. Fast forward to XXXX they take my tax return in compensation. Fine. Now it 's XXXX and I get a phone call from a collector telling me I owe {$3900.00}?
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WI)

Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted XXXX, and I urge you to rectify the situation promptly by updating my records accordingly.
Consumer complaint received 2017-05-18
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: REVERSE MORTGAGE INVESTMENT TR (FL)

I received a letter from my mortgage company today in reference to my property taxes. The company has failed to properly maintain my financial accounting records by sending this letter threatening me with foreclosure action. They are in violation of the agreement and sections Of the TIL act and maybe subject to prosecution, for unfair debt collection practices and mortgage fraud, and false reporting to a government agency, ( HU D ),  under the false claim act.     I spoke with a  XXXX   County Tax C ollector today, ( name and phone number available upon request ), and he informed me that I was NOT delinquent on my tax bill.I owe {$670.00}, which is due on  XXXX / XXXX / XXXX , which I have every intention of paying. I have been paying installments since  XXXX  of  XXXX .
Consumer complaint received 2023-02-03
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. (GA)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$210.00} ; XXXX XXXX.
Consumer complaint received 2023-03-15
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. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy 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 XXXXXXXX
Consumer complaint received 2022-09-12
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 have reported that there are fraudulent accounts in my report. It was already more than 30 days since I sent out the letters but until now I did not receive any response or results from them.
Consumer complaint received 2024-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2023-05-24
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAINE & WEINER COMPANY, INC. (FL)

I am writing to request the deletion and removal of the accounts and information listed below from my consumer report. It is clear that these accounts and information should not be reported on my consumer report, and their inclusion constitutes a direct violation of the FDCPA and FCRA. Therefore, I urgently request that these accounts and information be promptly deleted and removed from my consumer report to rectify this violation of multiple laws. I kindly insist on the immediate removal of these accounts and information.