davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-16
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)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (FL)

Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.
Consumer complaint received 2023-05-23
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. (IL)

After reviewing my consumer report, I have observed erroneous accounts and information that are unrelated to me. I did not provide authorization for any of this information to be included in my credit record, and it is significantly impacting my life.
Consumer complaint received 2023-08-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (OH)

After XXXX years of homeownership with this company, you can have your home appraised again and apply to have PMI removed. I went through this process and they sent out a guy and he appraised my home 5 % over the two year period ( {$310000.00} to {$330000.00} ). Yet, if I go on their website and evaluate my home using their tool it comes in at {$430000.00}. While, I think that is a bit high, it's certainly not uncommon either in this market that exists. 

Upon rejection of my first request they told me to find evaluations and submit them. Iwent to the XXXX XXXX Auditor site and did my best to try and find comparables. They of course came back and rejected all my evaluations and they would not remove PMI. 

Last, I asked if I could hire my own independent licensed appraiser and pay for an independent appraisal of my house and they said No once again. I strongly believe the person they sent to my house was obviously working in their favor, I get it. Here is one of many example that occur in this marketplace. A home XXXX doors down from me recently sold. It had no updates, except a fence in the back yard, which by the way I added as well and twice the size in that 5 % evaluation above. The house sold XX/XX/XXXX for {$230000.00} which was {$17000.00} above asking price. On XX/XX/XXXX the same house with no additional updates sold for {$290000.00}. A 24 % increase in XXXX  years on a XXXX XXXX XXXX XXXX My house is a XXXX XXXX Bath updated house with a full finished basement in a culdesac and bigger lot. Yet, somehow my house is the only one in America that has not appreciated with the rest of them. I would guarantee a listing of my house at {$390000.00} would have multiple offers and no problem with a real appraiser evaluating it. In addition, I would bet if I wanted to refinance my house with a cash out offer, PennyMac would use that {$430000.00} evaluation on their site.
Consumer complaint received 2017-04-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NY)

I took a out a mortgage in XX/XX/2006. The lender advertised low monthly payments and low interest rates which mislead me to take out a mortgage loan. However, the low monthly payment and low interest rate was never apply to the loan I took out. I tried to do loan modifications but even that has been denied several times.
Consumer complaint received 2023-01-27
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: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an 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 reason.
Consumer complaint received 2022-10-09
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: Experian Information Solutions Inc. (MI)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am writing to express my concerns regarding the information on my credit report, which I thoroughly investigated and found to be unverifiable, invalidated, inaccurate, and questionable. This situation has led to XXXX XXXXXXXX, as your agency did not ensure the 100 % accuracy of the reported items, as required by 15 U.S. Code 1681e ( b ) ( b ) - Compliance procedures for maximum possible accuracy. 

1. This late payment status is irrelevant XXXX XXXX XXXXXXXX Account Number : XXXX The late payment in the past was settled. I'm currently on time with my payments. Please update this account immediately According to the aforementioned code, consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of information related to the individual when preparing a consumer report. Unfortunately, the items on my report do not meet this standard. 
Referring to 15 U.S. Code 1681i ( 5 ) - Update of Inaccurate/Invalidated Credit Information , if, after any reinvestigation, the consumer reporting agency finds disputed information to be inaccurate, incomplete, or unverifiable, it is mandated to promptly update or modify that information based on the reinvestigation results. Additionally, the agency must promptly notify the furnisher of the information about any modifications from the consumer 's file. 
If you are unable to provide verifiable proof within 15 days after your investigation, I request that you update the accounts and/or information on my credit report. 
Thank you for reading my concerns have a great day ahead to all Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-26
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 — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (FL)

I have pulled my XXXX report and noticed an incorrect account that had previously been disputed and XXXX refused to delete from my account and did not properly investigate my dispute. I sent XXXX a certified mail copy on XXXX/XXXX/2019 XX/XX/2019 I also reached out to Resurgent Capital on XX/XX/2019 and on XX/XX/2019. Their response was they could not resolve the dispute because they could not find enough information on their end. They still refused to delete this and it remains on my report hurting my chances to obtain a home. 
Please see Proof attached. Thank you
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX : {$310.00}.
Consumer complaint received 2023-05-23
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: EQUIFAX, INC. (TN)

on XX/XX/23 I sent a letter regarding inaccurate information. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year, I have sent disputes and have made a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed asap I will not wait another 50 days to receive any response because clearly, they are ignoring me. Its been more than 30 days and have not received the investigation status or results gives a reason to immediately remove
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Carvana Group, LLC (WI)

The first week of XXXX, XXXX  I did a pre qualification application through Carvana to finance a vehicle which stated that a pre qualification is not a hard pull to my credit. However, a car dealership In Illinois obtained my information and did a hard pull on my credit. The company that illegally ran my credit name is XXXX XXXX in XXXX Illinois. I did not authorize or give permission to Carvana and or XXXX XXXX to run a credit check on me. Please remove this hard inquiry from my report. Thank you.
Consumer complaint received 2017-05-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MI)

I ha ve   XXXX   l oans with Fedloan Servicing, they are reporting late on my credit report for  XX/XX/XXXX  and  XX/XX/XXXX , they finally put them in forebearance in  XXXX   XXXX ! I was in an in school deferment and that ended in  XX/XX/XXXX , i did not receive a Notice of Deliquency in the mail or by email that my loans were back in repayment in  XX/XX/XXXX ! I tried to explain to Fedloan Servicing Reps that I believed that my payments were already in forebearance automatically for 6 months after school is out, as I am still a student and I have not graduated! On top of that, I never received a late notice, I received a call on the 89th day and the Rep said that they would do a complementary forebearance to cover my period of delinquincey while I waited to receive my forebearance information and send it in, after i finally receieved the forebearabce information I was reported 120 days late which i just found out about this year when checking my credit report! I have never been late since  XX/XX/XXXX , and due to mis communication and lack of me receiving notices, fedloan will not remove delinquencies!
Consumer complaint received 2023-03-02
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. (PA)

After reviewing my credit report in XXXX i came across this inquiry that was unrecognized. I reached out to the company itself with no success and when I took it to the credit bureau I did not get a response. 

I have no recollection of this company or why they would need to pull my credit as I have a very limited credit profile and am normally on top of things like this. 

XXXX XXXX : XXXX XXXX XXXX Date : XX/XX/XXXX Transunion first letter was sent and received at the end of XX/XX/XXXX and second letter was XX/XX/XXXX. 

They sent a second later validating and once I requested further information in XXXX I heard NOTHING back until after XXXX ( see attached ) and all sent was a document accusing me of using a credit repair company. 

XXXX XXXX XXXX sent XX/XX/XXXX- they asked for verifiable ID without investigation results, mind you I sent BOTH my ID and utility bill, a verifiable copy at that to them the first and second time. On XX/XX/XXXX I sent the second letter returning the information they were looking for and did not hear anything back until XX/XX/XXXX asking for ID again ( see attached ). 


At this point, my rights as a consumer to fair and accurate credit reporting is being violated IN THREE WAYS and this is absolutely ridiculous over ONE inquiry!!!!

1- 15 U.S. Code 1692g ( b ) - Validation of debts- WAS NOT DONE IN 30 DAYS 2- 15 u.s.c 1681I Paragraph 5 - ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; 3-15 U.S. Code 1681b - Permissible purposes of consumer reports
Consumer complaint received 2023-05-23
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. (OH)

A collection account from a company called XXXX and XXXX has been reporting to my credit report for almost 2 years now. I filed a dispute with Transunion and requested this information be deleted as it does not belong to me. The original creditor is listed as XXXX XXXX during a time period that I did not own a vehicle. 

I filed a dispute with Transunion on XX/XX/2023 for this to be deleted in addition to a credit card and loan from XXXX XXXX that have been re-aged and are remaining on my credit report longer than 7 years. In addition to the re-aging, these accounts that were charged off over 6 years ago, are reporting as 90 days past due currently every single month and this is affecting my score. All XXXX have come back as verified. The company XXXX and XXXX mailed a letter to my new address listing XXXX vehicles that my bureau of motor vehicle reports can confirm I've never owned or had registered to me. This is not verification that I owe a debt for insurance. I have had the same insurance company ( XXXX ) for the last 4 years with no lapses in coverage. 

I am purchasing a home and this fraudulent collection account is affecting my scores immensely. I have an ID theft affidavit and fraud alert already present on my credit profile and I need this account to be deleted unless the company in question can furnish a memo title or registration document confirming I owned the vehicle they claim they insured.
Consumer complaint received 2023-05-19
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-04-18
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. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX XXXXXXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX Balance : {$11000.00}.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2023, I opened, online, a Chase Freedom Unlimited credit card with the promotion " Earn a {$200.00} bonus after you spend {$500.00} on purchases in the first 3 months. '' I have screenshots of this offer. A few minutes after I applied and was approved for this card on XX/XX/2023 I called a Chase representative who verified the promotion and expedited shipping of my card. 
On XX/XX/XXXX I called Chase to schedule a payment and to review the promotion again. I needed her to confirm the exact date the three-month period would end to ensure I spend {$500.00} before that day to get my {$200.00} bonus. She reviewed the promotion and confirmed the date. 
I called Chase for the third time regarding this promotion on XX/XX/2023, to double-check/confirm the exact day/end of the three-month period. On this call, I was told there was no promotion on the card! I spoke to a supervisor, I think " XXXX '', who escalated the complaint to marketing to have these two taped calls pulled and listened to. 

On XX/XX/2023 Supervisor " XXXX '' told me the calls were listed too and the Chase representatives were reprimanded for the misinformation I was given. Namely, that I had this promotion ( I applied for ) attached to my Chase Unlimited Credit Card. 
On XX/XX/2023, the Marketing department denied to apply this promotion to my card and closed the case! I had no other options.
Consumer complaint received 2015-08-10
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: LHR Inc. (FL)

LHR Inc, was supposed to take this off of my account, they removed it from XXXX but never took it off of XXXX. I am not sure why this is not taken off because this was the amount that was supposed to be adjusted after I made the settlement payment. I have tried calling LHR but I do n't have an active phone number for them and the one that is listed if for something else.