davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX, now known as XXXX XXXX XXXX XXXX is trying to collect {$4800.00} for an account they seek for XXXX XXXX XXXX. I have already disputed this claim back in XXXX with all credit agencies. This is not my account. I did not live at XXXX XXXX. They continue to illegally place this account as a new, open collections account. I hired XXXX XXXX in XXXX Texas in XXXX and the lawyer told me that this was illegal. It is now XXXX and these collection agencies keep changing names and the account keeps showing up on all credit agencies. I do not know what else to do, as this has already caused me much financial hardship. XXXX XXXX XXXX XXXX has tried calling me, however I expressed that I would file my dispute in writing.
Consumer complaint received 2017-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (CA)

It is important to note, my loan officer company is XXXX XXXX XXXX. XXXX is a different firm managing my loan payments. I have received in mid XX/XX/XXXX attached statement " XXXXXXXX '' from loan officer XXXX. In this statement it was clear that my next payment date is XX/XX/XXXX and new monthly is XXXX. In addition, in that statement, you can see actual payment on XX/XX/XXXX as accounted for and it clearly stated that i overpayed the year of XX/XX/XXXX XX/XX/XXXXand it included a check of XXXX $ made to me to pay for the surplus i paid. I was preparing to make my XX/XX/XXXX payment as usual. but after this letter, i checked loancare.com website and deducted no payment is required. No emails nor phone calls nor mails were received from neither firms until XXXX letter attached which was received in XX/XX/XXXX stating that i was actually late. Before i even knew, I went to loancare.com late XX/XX/XXXX to pay for XX/XX/XXXX and realized the issue and paid for both XX/XX/XXXX and XX/XX/XXXX. that day spent hours on loancare interface, i tried processing my payment but it wasnt going thru. There was a total issue occurring.after painful experience, i 've figured i need to process two separate payments for each month and together it was failing since monthly amount itself have changed. Overall, Both companies failed to notify me on timely fashion and provided contradicting information. Both promised to remove from credit report and that it will be repaired once misunderstanding has been cleared. However, 6 months later and after very horrible experience and 6 month of emails with loancare.com i stil havent been able to remove it from my credit report. i was reported as 30 day late and now PMI will not be removed because of this mistake. This company been redirecting me from one department to another and today i was redirected to a fake email XXXX They damage my credit for no reason without proper notification. they 're interface now spams me with multiple pop-ups and i have to click 6 times to confirm to just see my statements. They are aware of the issue and claim they are working on a fix. this has been going on more then 6 month. despite the reasonable case that ive made and many messages and followup and even after i paid fees and over 6 month of trying to get response with no luck, the creditor is acting unreasonably '' by not removing the 30day late payment even when they agreed to and Loan officer already agreed to remove since they have sent the confusing statement and never clarified. I wasted my time for half a year now, and i hope similar companies can be stopped from consumer harassment such as my case above and held them accountable for what they are doing. Regards, XXXX XXXX
Consumer complaint received 2021-01-21
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. (MD)

XXXX XXXX XXXX is displaying a Foreclosure remark and balloon payment amount on my Experian Credit report that are inaccurate. The property in question was foreclosed in XX/XX/XXXX, however this was not a balloon mortgage. The property was mortgaged for XXXX but all 3 bureaus ( XXXX XXXX and Experian ) show a balloon payment amount of {$470000.00} due on XX/XX/XXXX. I have no idea why they are reporting this balloon amount so I disputed with all 3 bureaus to no avail. The worst action taken as a response to my dispute occurred on my Experian report. Every time I dispute the inaccuracy on Experian, the Foreclosure date is moved to whichever month I report the dispute on. All I wanted was for this to be reported accurately. 
The foreclosure remark has been reported on my Experian report XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX The foreclosure Started ( FS ) remark has been reported on my Experian Report XXXX, XXXX, XX/XX/XXXX. XXXX XXXX, XX/XX/XXXX. Each time I dispute they move the marks to an incorrect place which causes my credit score to drop. The last dispute I sent had the Original Deed ( showing no balloon payment rider ), Sale deed ( showing correct Foreclosure sale date and title transfer date ) and copies of the incorrect notations on my reportXXXX XXXX XXXX XXXX and Experian did nothing. The inaccuracies remain.
Consumer complaint received 2021-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC. (KY)

A credit card was opened in my name through XXXX XXXX XXXX on XX/XX/XXXX, but was not done by me. I had reported identity theft during that time. Purchases were made and not by me. The card was charged off on XXXX XXXX, XXXX. The company kept sending me bills and phones calls to pay the bill. Each time they would call I would inform them that I did not open the card and I had identity theft during that time frame. I even ask them for statements where I would see the purchases, the amount and the dates of the purchases. 
I never received anything. The amount owed up to the time of the charge off is {$980.00}. The total amount has over {$600.00} of late fees and interest accrued. XXXX XXXX XXXX sent my information to Midland Credit Mngt. when they charged off the account. The account showed up on my credit report when they charged it off and I disputed it then. 
They took it off the credit report, then just recently they put it back on. And now I also have a lawsuit for this account. Once I received the information about the lawsuit, I immediately contact Midland Credit Mngt and informed them this was fraud and I wanted to dispute it. I also was requesting statements with the purchases, dates and amounts so I could do my research and to prove this was fraud. They informed me they could not provide me with the information, but to contact XXXX XXXX XXXX. I contacted them again and requested the same information, they said they would try to send me the information. I never received it. A month later, Midland Credit Mngt. cancelled my dispute and are about to garnish my paycheck. I need to get this resolved before they do so.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2021-01-21
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. (NC)

XXXX XXXX has been reporting inaccurate information that they will not provide documentation for validating this account. I requested copies of signed contract, payment history copies and date of last activity which is not on the credit reports. They sent only a letter in response to my 3rd request in XX/XX/2020 but no information requested. I have sent multiple request. They are reporting and updating this account each month but different information for each agency and different addresses. I have mailed letters that have been returned because of the address they are reporting on my credit profiles are different so I haves mailed to each address they are reporting and my request finally was acknowledge but without the information requested. The credit agencies continue to report this information based off XXXX response and I have called them a couple times and sent copies of the letter I received from XXXX. Please help me get what I need to validate this account. Its wrong for them to report information they will not send information that I requested. I have requested that the account be removed because they will not provide validation documentation but my request have been ignored. Thank you.
Consumer complaint received 2022-05-15
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: Experian Information Solutions Inc. (TX)

I sent a letter to on XX/XX/2021 disputing the vaildty of a bankruptcy their reporting on my credit report. The response letter stated verified. They could not send how the verfied and needs to be deleted according to the FCRA which they once refuse again to delete which is exploding to purchase a home and causing me to pay thousands more in interest each year
Consumer complaint received 2021-01-21
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. (GA)

it states on my credit report that I'm 90 days late but prior to that it states my payment history is on time. 
If the account is reported as OK, OK, 90, it means that the 2 " OK '' payments are inaccurate.
Consumer complaint received 2021-01-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (LA)

I have a student loan with XXXX and it should have been forgiven due to a lawsuit against the school and I am still being charged. I need that amount forgiven ans my credit report to reflect such. They keep adding ontersr ro the loan and it should be paid off. I had been paying on this loan for years now.
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC. (NY)

At this time, I respectfully request a copy of my XXXX, Equifax and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX
Consumer complaint received 2021-01-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Integrated Asset Recovery LLC (NC)

# 1 - They call at all times of the day from all different phone numbers.

# 2 - It is on my credit report for the same credit card, yet for 2 different balances. One is for {$960.00} and the other is for {$880.00}. I have disputed it but I still have not heard back from them. I only had one XXXX XXXX XXXX I'd like to make a payment arrangement with them, but the collection agency reps do not understand that I live on just a small XXXX check. I can only do what I can do. They are XXXX and I would rather not speak to them at all.
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Inquiries XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX Business Type : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX NA Inquired on XX/XX/XXXX Business Type : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX  XXXX  Inquired on XX/XX/XXXX Business Type : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : PeXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (SC)

Tried to pull my report through the annual credit report site and got this error message ( see XXXX  ) Also attempted to pull my Equifax report and it does not work via the annual credit report site. They give the same error message they give when I tried to dispute an item via their main site. ( The complaint about their main site is in a separate complaint ).
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me.
Consumer complaint received 2021-01-21
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. (NC)

I am having major issues with my name and addresses on my credit profile. My CORRECT NAME IS : XXXX XXXX XXXX please delete remove any other variations of my name. I have a few addresses that I never lived at on my credit file they are fraudulent addresses, please delete : PO BOX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX LOT XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX My current and only address is XXXX XXXX XXXX XXXX NC XXXX.
Consumer complaint received 2021-01-21
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. (VA)

I submited a dispute wihth Experian to dispute a 30-day late payment that XXXX XXXX reported for XX/XX/XXXX and provided them with copies of my XXXX XXXX statements showing that XXXX XXXX made mistakes and I should not have a 30 day late payment on my account. The payment was done 7 days from when it was originally due and I was never past due on my account ( XXXX XXXX has me past due incorrectly on my XXXX statement ). After submitting the evidence to Experian, they sent the information to XXXX XXXX, but XXXX XXXX validated the late payment even though I provided evidence ) and Experian disregarded the evidence and left the 30 day late payment because XXXX XXXX " validated '' the late payment. I have disputed this twice with Experian on XX/XX/XXXX and on XX/XX/XXXX closed the dispute and left the 30day late payment - completely ignoring the evidence/documents. I called them on XX/XX/XXXX after reviewing the results and they said even though they had the evidence they can not delete it, unless XXXX XXXX tells them to. I thought they were supposed to be the mediators in this investigation, but according to them, they only go based on what the creditor provides them -- regardless of any evidence or legal documents I may have. They recommended that I reach out to XXXX XXXX, but I explaned that they can not find my account when I call over the phone. Anyway, I disputed the late payment with XXXX XXXX again on XX/XX/XXXX and on XX/XX/XXXX they closed the dispute AGAIN saying the same thing - XXXX XXXX validated the late payment and could not provide me with proof or comments from XXXX XXXX. Also, XXXX XXXX is disregarding the documents and when I call them they are saying my account has been purged and they recommend me to reach out to the credit bureas. So it's like Experian says to call XXXX XXXX, and then XXXX XXXX says to call Experian - I keep getting the run around and being re-directed and all parties are not reviewing the documents. I was under the impression that Experian was responsible to make sure XXXX XXXX corrected their error and see their oversight, but Experian said no and there is nothign they can do if XXXX XXXX keeps validating the late payment. Any help you can provide will be really helpful. Additionally, I did reach out to XXXX XXXX XXXX Offices on XX/XX/XXXX and also sent them the documents I sent to the credit bureas on XX/XX/XXXX - they are the only department that can find my account, but can not dispute it on my behalf and they have routed to their credit department which keeps validating the incorrect payment.
Consumer complaint received 2017-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

XXXX routinely tries to collect a debt past the 4-year statute of limitations. I receive emails and letters asking me to pay a balance that I am no longer liable for, and when I call them they tell me to pay. Then XXXX changed the last date of payment to reflect a more recent year to keep the debt on my credit report. I disputed it with the credit bureaus. This loan was taken out in 2010. This is fraudulent and illegal. It is way past the 4-year limit statute to collect allowed under California law.
Consumer complaint received 2021-01-21
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Meadowbrook Financial Mortgage Bankers Corp. (NY)

I was applying for a loan but I had to cancel the process because the second home inspection was not favorable due to termites and water damage in the property. Plus I didnt have the XXXX that MeadowBrook was requested hence why I asked them to issue a denial letter because I didnt qualify for the loan. Its been a month since I requested the letter and MeadowBrook mortgage is not responding or sending the letter. I need the letter so that I can get back deposit from the seller. Please help.
Consumer complaint received 2021-01-21
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Santander Consumer USA Holdings Inc. (AZ)

I sent Chrysler Capital two dispute 's to no avail I've received absolutely NO response I've sent my dispute letter certified mail and noticed that Chrysler Capital is signing for my dispute letter but they're not honoring my dispute or the FCRA because they aren't responding. This is a direct violation under the FCRA section " FCRA Section 611 Part ( A ) ( 1 ) Failing to respond to my written dispute within 30 days. " But they've charged off my account over 61 times from XXXX to this present day! 

Chrysler Capital clearly is operating under illegal business practices. Seeing how Chrysler Capital blatantly is ignoring my request I've decided to shed light on their less than honorable business practices.
Consumer complaint received 2017-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Sterling Infosystems Inc. (VA)

Concerned because I just viewed my background and want to know what exactly is DOJ national   XXXX   XXXX  ? I am not in any way a  XXXX    XXXX   nor have I ever been charged or convicted of such. I would like to know why there is a level  XXXX  under this catergory?