davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NY)

In XXXX I took a HELOC with a bank for {$490000.00} in XXXX i defaulted on this loan as per advice from an attorney in order to receive lower payments. In XXXX they put a sale date on my home. I filed a XXXX XXXX XXXX and agreed to pay {$690000.00} over 5 years, 12 months into my payments I was told by the bankruptcy trustee that she will be dismissing the case, because the amount is now higher, I was stunned at how the amount could suddenly be higher after a judge approved my bankruptcy payment plan, at this point in time I try to obtain a payoff from loan care to pay in full, They gave me a payoff letter stating my amount was now {$720000.00} I was shocked that the amount has yet again gone up, but I decided to wire them the money and close the whole situation for good, I wire them the amount in full on XX/XX/XXXX and now today XX/XX/XXXX loan care reaches out to my attorney and says that the amount has gone up again!! This is a scam and they are trying to take my house. We need help please
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

after multiple letters sent to the company i have yet to get any reponse. We are currently at past 60 days and have yet to investigate my request. The information on my credit isnt correct and is causing much emotional distress for I'am being ignored. my original letter was sent on XX/XX/XXXX of 2023.
Consumer complaint received 2022-12-07
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. (NY)

I've contacted XXXX & they told me I've never missed a payment, yet Experian refuses to remove me from being listed as late on XX/XX/19 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experians job for them to shield my credit & prove my identity. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late date from this account : XXXX  XXXX
Consumer complaint received 2024-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that Transunion, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness. 

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts. 

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2023-05-17
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 name is XXXX XXXX, and I am submitting this CFPB complaint to contest the fraudulent items that are listed on my credit report. Upon receiving a recent copy of my credit report, I was alarmed to discover the existence of several accounts that I neither opened nor have any knowledge of. The accounts in question are as follows : XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$380.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$930.00} XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXXXXXX Balance : {$250.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$350.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$780.00} XXXX XXXX XXXXXXXX Balance : {$0.00} U.S. Bankruptcy Court XXXX XXXXXXXX bankruptcydismissed Reference # : XXXX U.S. Bankruptcy Court XXXX XXXX bankruptcydismissed Reference # : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX. I want to emphasize that I did not initiate the opening of these accounts nor did I authorize anyone else to do so on my behalf. I firmly believe that this is a case of identity theft, and I am currently taking the necessary steps to report this matter to the appropriate authorities. I kindly request that you provide a written response regarding this dispute and inform me of the outcome of your investigation. Additionally, I would appreciate it if you could furnish me with an updated copy of my credit report once the fraudulent items have been successfully removed.
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credence Resource Management, LLC (VA)

6 years ago or so I lived in an apt with a elderly Male. When I moved out he kept the XXXX XXXX bill in my name on. Eventually he moved out and eventually returned the box ( which they received ). They charged me XXXX, for the fees of them not receiving the box. It suddenly appeared on my credit report last XXXX or so from collection agency XXXX, I called, disputed it, and it got taken off my credit report, raising my credit score very very much! Suddenly a few months ago it shows back up From a collection agency called CREDENCE RESOURCE MANAGE causing score to drop again!! I have all evidence it was taken off. I need help. I've disputed it twice now to no avail. Thank you for your time. I have screen shots I can send showing it was taken off my credit report, dates, etc
Consumer complaint received 2023-04-07
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. (TX)

in according with the Fair Credit Reporting act XXXX  Account # XXXX named XXXX XXXX, acct # XXXX and XXXX named XXXX XXXX  and XXXX XXXX Account # XXXX also named XXXX # XXXX and Named 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 an account without my written instructions
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.
Consumer complaint received 2023-08-08
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX of Dispute- $ XXXX Medical- I have insurance and told them all the information and to go after them ... .they didn't do that and sent me to collections- XXXX XXXX XXXX ... I told XXXX  the same thing ... .go after the insurance company- XXXX XXXX XXXX .I don't think this is fair that it is on my credit report ... .I am trying to get a house and this is really hurting my score... Please help... Apartment rent is killing me and the little house I want will be XXXX cheaper in bills per month ... I am XXXX XXXX XXXX and have a XXXX  XXXX ... .Thanks
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I submitted a dispute regarding my legal name and correspondence received from the credit bureau is still incorrect. They actually mailed correspondence back to me addressed with the incorrect name. I also asked that all addresses be deleted except my current address which they are still reporting other addresses. I take my personal information seriously. It is the credit bureau 's responsibility to report accurate information per FCRA. I previously provided legal documentation such as driver 's license/W2/pay stub to prove who I am and where I live.
Consumer complaint received 2023-06-28
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: Experian Information Solutions Inc. (CA)

I WAS IN XXXX XXXX IN THE MILITARY WHEN THE FRAUDULENT ACCOUNT FROM XXXX XXXX WAS OPENED, THIS ACCOUNT WAS NEVER OPENED BY ME, THE CHARGES ARE FRAUDULENT, THE ACCOUNT IS FRAUDULENT. I DON'T KNOW WHO OPENED THE ACCOUNT.
Consumer complaint received 2023-06-06
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)

Subject : Request for Immediate Removal of Fraudulent Accounts from Credit Report Dear Sir/Madam , I am writing to express my deep concern and frustration regarding the lack of action taken by your organization to address the fraudulent accounts on my credit report. It has been well over 30 days since I first reported the identity theft, and despite providing all necessary documentation, the fraudulent accounts remain on my consumer report. This letter serves as a formal complaint against the credit bureau for failing to take appropriate action in removing these fraudulent accounts. 

To support my claim, I have attached a copy of my identity theft report, as well as my social security number and a form of identification for your reference. These documents clearly establish the fact that my personal information has been compromised and used without my consent or authorization. 

As per the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), I have the right to dispute inaccurate information on my credit report and expect the credit bureaus to promptly investigate and correct any errors. However, in this case, the credit bureau has failed to validate the authenticity of these fraudulent accounts before furnishing them onto my consumer report. 

I hereby demand that you remove the following fraudulent information from my consumer report within four business days : 1. Account Name : XXXX XXXX  Account Number : XXXX 2. Account Name : XXXX Account Number : XXXX 3. Account Name : XXXX XXXX Account Number : XXXX 4. Account Name : XXXX XXXX Account Number : XXXX Furthermore, I would like to bring your attention to the fraudulent addresses associated with these accounts, which were included in the report without proper verification : 1. XXXX XXXX XXXX, XXXX, TX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX Please understand that failure to comply with this request within the specified time frame will leave me with no choice but to pursue legal action under the provisions of the FCRA. As stated in Section 616 of the FCRA, any willful violation of the Act may result in a penalty of up to {$1000.00} per violation, and I will not hesitate to seek remedies for each instance of non-compliance. 

I trust that you will treat this matter with the urgency it deserves and take immediate action to rectify the errors on my credit report. I expect to receive written confirmation from you once these fraudulent accounts have been completely removed. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I demand all negative items to be removed not accurate. 

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that. 
Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system Equifax removed my XXXX XXXX  I demand XXXX XXXX to also remove
Consumer complaint received 2023-08-17
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)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XX/XX/2022 XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-11-26
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. (GA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2017-03-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

I have a mortgage ( original Charter One Bank ) now serviced by Citizens One XXXX. The loan is a XXXX ARM with an interest rate of 2.500 %. About a year ago Citizens One contacted me and asked why I was making payments on the XXXX day of each month instead of earlier. The terms of the note provide no late charge if paid by the XXXX day of month. I complained that this was sort of like harassment - but changed the monthly payments to XXXX to not hear about this again. A few days ago I received a mortgage statement showing an " overdue Payment '' of {$980.00}. The statement is dated XXXX XXXX, 2017 and does not include any late charge. This seems like a wrongful attempt to obtain payments before the agreed due date. If this is systematic I hope CFPB can investigate and demand they stop.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2020-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (FL)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that COMENITYBANK/VICTORI has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30   days/60 days/120  days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2018-04-27
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. (NY)

Hi my name is XXXX XXXX and I am contacting you because all 3 credit bureaus are still sending my personal information to the wrong address as well as false reporting balances on my credit cards that I have already paid off but the credit bureaus are reporting that I owe high balances which is not true. I have been having issues with these 3 credit bureaus for yrs now and I would appreciate it if they were made to correct the mistakes I keep making them aware of. Let me first start by saying my correct mailing address is XXXX XXXX XXXX XXXX ny XXXX and this is the only place any response should be sent. Secondly my only phone number that should be on my credit report is XXXX any number besides this number is fraud. Thirdly the balances on my XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX card need to be updated with correct balances because the credit bureaus are reporting balances that are incorrect. Also there is several addresses on my transunion report that are fraudulent and do not belong to me and I would like removed. The only two address that should be on my report is my former address which is XXXX XXXX XXXX and my current address which is XXXX XXXX XXXX XXXX ny XXXX. Also my XXXX report is not showing my employer which should be on my report which is XXXX XXXX XXXX XXXX.