davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (AK)

After reading the review of the company I have attached facts that the response is incorrect I have two different addresses on each statement two different cities but I can not be in two places at once.. Both modems were turned in prior to my departure from the united states. How is that I owe a debt when I still had services until XX/XX/2019. I have misleading information and none of it is correct but the company did put this on my credit report. I will be seeking legal advice due to this false reporting on both spectrum and the debt collection agency due to furnishing incorrect information on my credit report I also have receipts of BOTH turned in modems as well. This is my final attempt to resolve this matter at the lowest level. According to the FCRA, Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. Furthermore, A creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes : reporting a  debt as charged off when you settled it or paid it in full.Misstating the balance due reporting late payments when you paid timely listing you as a debtor on an account when you were only the authorized user, or supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ).
Consumer complaint received 2022-12-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PLAZA HOME MORTGAGE, INC. (HI)

Aloha! 

I am a homeowner on XXXX, Hawaii and I have a mortgage with Plaza Home Mortgage company. I applied for the PMI removal process in XXXX of this year and on XX/XX/XXXX I received email confirmation that I began the application process to do so with the company. It took several months for them to even generate the necessary documents for the next step. I submitted these documents with a non refundable check for {$450.00} to pay for the required appraisal. They insist the appraisal must be done through their approved agency. The check was cashed XX/XX/XXXX. I still have not received any indication that they intend to schedule this appraisal. I call in on a weekly basis where the same script is recirculated we are escalating your case They continue to stall claiming the department is backed up or that my request was accidentally cancelled. They claim I am entitled to a refund for the time I have been waiting. My Loan-to-Value is well above 80 % needed to remove the PMI and its my belief the company is attempting to stall this process until the housing market recedes. XX/XX/XXXX will be the XXXX month in this process, 5 months since they cashed my appraisal check, and no progress has been made. Im not sure what steps to take next.
Consumer complaint received 2020-03-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debtsy Holdings, Inc. (TX)

VARIOUS COMPANIES SENT NOTICE DEMAND FOR PAYMENT ON FRAUD ACCOUNTS/ NOT MY ACCOUNTS : " DEBTSY, XXXX , XXXX XXXX, XXXX XXXX XXXX , XXXX , XXXX XXXX , XXXX ''
Consumer complaint received 2022-09-15
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)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-23
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: Experian Information Solutions Inc. (AR)

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Consumer complaint received 2020-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Mon, XX/XX/2020 XXXX XXXX XXXX XXXX XXXX - {$670.00} XX/XX/XXXX XXXX XXXX - {$140.00} XX/XX/XXXX XXXX XXXX - {$14.00} XX/XX/XXXX XXXX XXXX - {$43.00} XX/XX/XXXX XXXX XXXX - {$14.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - {$29.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - {$41.00} XXXX XXXX XXXX XXXX - {$40.00} XXXX XXXX XXXX XXXX - {$12.00} XXXX XXXX XXXX XXXX - {$21.00} XXXX XXXX XXXX XXXX - {$39.00} XXXX XXXX   XXXX XXXX - {$49.00}. 
They send me an email with the resolution of my dispute ( s ) above We finished researching your dispute ( s ). Based on the information we have, your claim has been denied because : We finished looking into your claim and didn't find an error.

You can still try to resolve this directly with the merchant ( s ). 
Transaction on XX/XX/XXXX, Im was in XXXX CA even they can see the withdrawal that I made and I didnt made it. 
The XXXX transactions are relatives to who had hacked me on my accounts adding that I was out of town when this transaction occurred. My device is no longer with me as well attached support documents such as my entry registration and the authorization of 07 days on the immigration form.
Consumer complaint received 2020-03-23
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: EQUIFAX, INC. (FL)

I divorced my ex wife XX/XX/XXXX an in the divorce papers it says she needs to refinance the house loan and or modify it and I will be held financially harmless from the debt on the house. she modified the loan and the bank crossed out my name off the loan and she took more money out and extended the loan without my knowledge and without my signature. she assumed all the debt on the house with the loan holder XXXX. I have contacted XXXX about this and they wont give me any information and they are still reporting it on my credit when they shouldn't be. I filed a dispute with Equifax and XXXX reported to them its correct however they can not submit anything after the date when my name was crossed off because I have not signed ANY paperwork with them. the last paperwork done with XXXX is a modification and the modifications were taking my name off the loan and getting XXXX new money. and that money was given to my ex wife.
Consumer complaint received 2020-04-02
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 HAVE SENT THE DISPUTE LETTERS ON XXXX, AND XXXX. TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORTS. THERE ARE TWO 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA ( FAIR CREDIT REPORTING ACT ).  PLEASE DELETE AND AMEND ACCOUNTS AS REQUESTED BELOW.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

To Whom It May Concern : I am writing to address discrepancies found in my recent credit report, which I received and reviewed. Upon careful examination, I discovered inaccuracies within certain accounts listed on my consumer report. It appears that this agency is in violation of 15 USC 15 USC 1681i.

In response to my dispute regarding the account XXXX XXXX XXXX, your agency claimed validation of inaccurate information. However, I wish to formally dispute the accuracy of this account. The information furnished regarding this account on my consumer report is, in fact, inaccurate.

According to 15 USC 1681i ( 5 ) regarding the treatment of inaccurate or unverifiable information, 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

The reporting of these account ( s ) constitutes violations of 15 USC 1681e ( b ), which mandates accuracy of reports. The agency is required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. How can inaccurate information be verified? It appears that METRO2 Compliance procedures and reporting format have been violated.

I hereby request the immediate deletion of this account from my consumer reports.
Consumer complaint received 2022-12-28
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: EQUIFAX, INC. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-03-23
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. (CT)

I reviewed a recent copy of my credit report and noted several unauthorized inquiries. 

I have contacted the creditors noted below, and they stated that they have no evidence that I initiated the inquiries, either written or otherwise, and could not provide me with permissible purpose. As these inquiries are both unauthorized and unsubstantiated, I request that they be deleted from my credit report. 

Per Section 604 of the Fair Credit Reporting Act ( FCRA ), all users of my credit report must have a permissible purpose. Specifically per Section 604 ( a ) ( 3 ) ( F ), a consumer reporting agency may only furnish a report if the recipient : Otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer Since there is no evidence that I initiated these requests, I request that these inquiries be removed from my credit report as per section 61

1 ( 5 ) ( A ) ( i ), and that you promptly delete the following items from my credit report.

Inquiry details : XXXX/XXXXXXXX  Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX XXXX    XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance Dept Of Ed Inquiry from XX/XX/XXXX Government XXXX  XXXX  Inquiry from XX/XX/XXXX Misc. 

XXXX/XXXX   Inquiry from XX/XX/XXXX Bank XXXX/XXXX  Inquiry from XX/XX/XXXX Bank XXXX/XXXX  Inquiry from XX/XX/XXXX Finance XXXX/XXXX  Inquiry from XX/XX/XXXX Bank XXXX/XXXX  Inquiry from XX/XX/XXXX Bank XXXX/XXXX  Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Oil Companies XXXX-sales  Inquiry from XX/XX/XXXX Oil Companies XXXX-sales  Inquiry from XX/XX/XXXX Oil Companies Universal Cr Inquiry from XX/XX/XXXX Misc. 

XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX  XXXX  Inquiry from XX/XX/XXXX Finance XXXX/XXXX XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2020-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MD)

My sister XXXX XXXX applies for a car loan, and I was gon na co-sign for her. 

I ask them to only run my credit one time, but they ended up running it six times. 

This is the Infinity dealership in XXXX MD. 

I need to know how to fix this?
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX ; XXXX  and Transunion are reporting the XXXX XXXX partial account number XXXX in error. ( Please see page attached from my credit report. ) I have fought this with the bureaus and they can not continue to report. These accounts are over ( 7 ) years old and continuing to report this is a violation of the Fair Credit Reporting Act. I request that these line items be removed from my credit report. I have continually contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-03-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hello, Both accounts are passed the 7 year mark to be removed from my credit history. Accounts XXXX and XXXX The last payments made on these accounts were in XX/XX/XXXX. Today 's date is XX/XX/XXXX it been a full 7 years. please remove these accounts fully from my credit reports. As i have written proof from date of last payment for both of these zombie debts.Thank you
Consumer complaint received 2020-03-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (LA)

In XX/XX/XXXX I relocated out of the city and changed my address. After trying to purchase a home in XXXX my lender informed me there was a debt in the amount of XXXX from XXXX XXXX on my credit report. I never received notice of this bill, was not contacted by mail, phone or email of this bill. And after contacting the company and explaining I would have resolved this debt had I known about it and asking them to please remove the debt from my credit after I pay it. They explained to me that they can not remove the paid debt and that it would still report stating paid in full. It is very important to me, my fiance, my kids that this is removed because our future depends on it. But instead of this company be willing to resolve the situation they were rude, inconsiderate of the situation and explaining to me even if I did not know about the debt its still my responsibility. Can you please help resolve this situation? I have spoken with XXXX XXXX and I have also spoken with Sequium Asset ( which is the collection agency forwarded too ) and neither of them have come up with a resolution
Consumer complaint received 2022-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (MA)

I called Discover Credit Services once I was notified of a hard pull on my credit. I didn't request this card and it was a case of fraud. I was told that the card was not issued on that date ( XXXX ), that the credit card was not approved, that the account was closed, and that they'd do an investigation. 

On XX/XX/22 I was notified by Discover Credit Services, that the card was shipped out and asking if I have any questions on my new account. This is after I did a security freeze with all of the credit score companies and this was indeed the SAME account that I was previously told was closed and that no card would be issued to. I told that team I want the card closed immediately and the account closed plus a statement saying as much. 

The blatant lies and the likelihood of the card going out in spite of my best earlier efforts and what the company told me is disheartening to say the least. I don't know if it is illegal, but I have to say that it should be and is definitely unethical.
Consumer complaint received 2022-12-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (GA)

I declare under the penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best if my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company, without my authorization, used my personal identifying information to apply for goods, services or money ; and, obviously was pretty successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I paid off my XXXX card in XXXX and they are still showing the card as owing almost the full amount. This is negatively affecting my XXXX XXXX and affecting me financially. I have called and exchanged correspondence in email. They said they would correct, but have not.
Consumer complaint received 2020-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Requested description of investigation results of incorrect/unverified reporting accounts on my credit report as per federal law FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

Also requested original documentation with my signature of incorrect/unverified reporting accounts as per federal law FCRA 609 ( a ) ( 1 ) ( A ). 
Request was made XX/XX/XXXX, as of XX/XX/XXXX still have not been provided a copy of requested documentation. This is against my federal rights.
Consumer complaint received 2020-03-22
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: CORELOGIC INC (CT)

There are two companies who tried to access my credit neither of which I know. The first apparently on XX/XX/XXXX through XX/XX/XXXX, and I am not sure what the ongoing dates mean. The company name is Corelogic Credco. I found their inquiry on my XXXX  crediting monitoring site recently. There is no contact information available for the company. 
The second company who attempted to access my credit is XXXX XXXX for XXXX XXXX XXXX. There is no reason why an attempt should have been made by this bank to access my credit. I did not apply for a credit card nor do I shop in their stores or online if they even have an online site. 
Given that I am a victim of ID theft in the past, I have a freeze on my credit so I am assuming no harm has been done to me and my credit is still in excellent standing. I would however like to know why each of the companies tried to access my credit and if there is anything further I should know about this activity. 
Thank you.
Consumer complaint received 2020-03-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (NY)

Hello, Both accounts are passed the 7 year mark to be removed from my credit history. Accounts XXXX and XXXX The last payments made on these accounts were in XX/XX/XXXX. Today 's date is XX/XX/XXXX it been a full 7 years. please remove these accounts fully from my credit reports. As i have written proof from date of last payment for both of these zombie debts.
Consumer complaint received 2023-05-06
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. (TX)

I have a credit monitoring alert with the wrong information that does not belong to me. 
Creditor type states ( Bulk purchase finance ). 
I do not recognize this nor have I made any purchases with XXXX XXXX XXXX. Please have this removed off of my credit report.