davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I talked to a rep from Transunion and I had a freeze on my reports someone let XXXX  XXXX  seen my files. My credit was reduced by {$750.00}. And now Transunion can locate my files. A freeze is to protect me from idenity theft andTransunion is requesting identications and A billing statement XXXX  asked for same thing and no response .Mail could be lost. its been a month.
Consumer complaint received 2020-12-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: OneMain Finance Corporation (MI)

The Law firm of XXXX XXXX XXXX in Michigan, repeatedly violated the FDCPA in collecting my debt. I tried to get the paperwork on the debt and it wasn't until they had to because they filed in small claims court that I received it even after repeated requests over 3 years. Over the three years they constantly used stall tactics on me by stating they had to contact the creditor on any arrangements. However the court paperwork showed that was false/fraudulent or at very least misrepresented the ownership of the debt. The court papers, as well as the original creditor, showed they owed the account outright for the entire time. I have the emails and the court papers showing the above to be true and indisputable.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

The company XXXX XXXX  is reporting late payments every single month on an account that has been closed. I have reason to believe this company has an intent to charge this account off of speedily. I noticed they notated XX/XX/2024 as " 90 days '' past due and the month XX/XX/2024 as 150 days past due. These behaviors are violations of the Fair Credit Reporting Act per 15 USC 1681s-2. Past due payments reflecting from " 60, 90, 150 '' days past due are not supposed to be reporting while an account is closed. XXXX XXXX is reporting this information as if the account is still open. This is both fraudulent and malicious. The account is closed but also does not report a " XXXX '' notation in the payment summary that will correctly indicate the account being closed. It just continues to report late each month eventually leading into " charged off '' status. XXXX XXXX  appears to be reporting an inaccurate account with actual knowledge of errors. I believe they're furnishing this inaccurate information to my consumer report intentionally. XXXX XXXX  is reporting this information unfairly and illegally. Please see supporting documents attached to this complaint.
Consumer complaint received 2022-03-02
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. (TN)

Im writing in regards to EXPERIAN, XXXX, and XXXX Ive tried several times by mailing dispute letters to them because my personal and financial information is incorrect and I want it all removed. Since Ive mailed dispute letters and there have been any changes. Ive seen none at all.
Consumer complaint received 2020-12-29
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. (NV)

I sent in a request to all three credit bureaus to have incorrect and inaccurate information removed from my credit report. I sent my request certified to make sure that XXXX, Equifax and XXXX would receive it. According to the tracking information provided by USPS.com Equifax ( tracking # XXXX ) received my request on XX/XX/2020. XXXX  ( tracking # XXXX ) received it XX/XX/2020 and XXXX  ( tracking # XXXX ) received my request on XX/XX/2020. But even though it is confirmed through the postal service that my letter has been received by all three credit bureaus I have not received a response from anyone. There are medical bills, apartment collections, inquiries and other people 's names and addresses that are not mine and that are not valid but they continue to report on my credit file and impact my ability to obtain credit.
Consumer complaint received 2024-02-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute and request the immediate removal of fraudulent accounts from my credit report, as required by the Fair Credit Reporting Act. 
The unauthorized account details are as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-02
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. (PA)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2016-11-18
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

My husband passed away on XX/XX/XXXX. My son paid off the 1st mortgage. I had the 2nd mortgage to pay for. I loss work do to my husbands death because I was self employed and took it very hard. I had to file bankruptcy XX/XX/XXXX. I paid my 4years and completed the course. After the bankruptcy was completed I received a notice that I was a year late with my payments. I understand that the arrears was forgiven but the bank says I need to provide a letter about it. My Lawyer and the bankruptcy court said it was all in my fillings. they say I owe over {$4000.00} in arrears. I called the bank he said that they started putting my first payment after bankruptcy on the XX/XX/XXXX arrears.. They send me messages each month on the statement that I am late and it could result in foreclosure and the loss of my house. My bal. due as of XX/XX/XXXX is {$10000.00}. I pay a little extra every month. ( {$350.00} )
Consumer complaint received 2022-03-02
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: JPMORGAN CHASE & CO. (FL)

I have six different credit inquiries from the same company ( JPMCB ), from which i do not have an account with. 
The dates are as follow XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Army and Air Force Exchange Service (FL)

Hello I need assistance with an account that is reporting incorrectly on my credit, this account is reporting as a paid collection when in fact it isn't a collection and never was.. I had a military star card that was opened in XXXX in which payment history was great, well I went on XXXX in early XXXX and called to let them know and was told that I would have no payments while I was out of the country, I got back in XXXX of XXXX, called to let them know that I was back in the states and the very next month, I received a credit alert saying that a new collection was added to my credit in which it was from Military Star Card. At that time I honestly didnt know how to start working on my credit so it sat on my credit for awhile as I was a working father and spouse. Well in XXXX I really started to research how to go about fixing my credit and I ended up contacting Military Star Card in which I spoke with 2 people, stated my case, they looked into it and verified that I was in fact correct and they told me that they would get it updated for me with all 3 credit bureaus as ''Paid In Full and Paid as Agreed, I was told that it would take 30-45 days to reflect and that was in XXXX of XXXX till this day the account still hasn't been updated and I'm extremely frustrated by it. I'm asking for help in getting my account updated correctly as I'm sure you understand that this false reporting has gotten me denied for credit for something that was out of my control! I will attach all documents below and by the way I have disputed this account on numerous occasions since then and have not received any correspondence or communication, I disputed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, at this point you're my only hope in helping me fix this. Thank you
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (GA)

Re : CFPB Nos. XXXX  and XXXX Ally Auto Account Nos. ending -XXXX  and -XXXX  For account number ending in XXXX, the account was paid on XX/XX/XXXX and then again on XX/XX/XXXX, this is supported by my bank. Ally shows no evidence of their claim of receiving it on XX/XX/XXXX and XX/XX/XXXX. No late fees were assessed and paid! ALLY 's response is an elaborate conjecture to include dates of notices sent to my official residence. I would expect notices of such importance to be sent via certified mail and therefore require a signature when received. To date, I have only received one letter to my home from ALLY. I hereby request all evidence of ALLY 's claims of dates of payments on this account. If ALLY is unable to do so, they must adjusted my account to show no late payments, and reported accordingly to the credit bureaus
Consumer complaint received 2020-12-29
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)

I am disputing the following account under FCRA : XXXX XXXX XXXX account XXXX Experian refusing to investigate Please delete asap
Consumer complaint received 2020-12-29
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. (NV)

I sent in a request to all three credit bureaus to have incorrect and inaccurate information removed from my credit report. I sent my request certified to make sure that Experian, XX/XX/XXXXand XX/XX/XXXX would receive it. According to the tracking information provided by XXXX XX/XX/XXXX XXXX tracking # XXXX ) received my request on XX/XX/2020. Experian ( tracking # XXXX XXXX received it XX/XX/2020 and XX/XX/XXXX XXXX tracking # XXXX XXXX received my request on XX/XX/2020. But even though it is confirmed through the postal service that my letter has been received by all three credit bureaus I have not received a response from anyone. There are medical bills, apartment collections, inquiries and other people 's names and addresses that are not mine and that are not valid but they continue to report on my credit file and impact my ability to obtain credit.
Consumer complaint received 2020-12-29
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. (SC)

I needed these items removed or corrected per my request below. Each item lists the exact reason, and this information is taken directly from my credit report. These are irrefutable facts! XX/XX/XXXX didn't do anything after their investigation. My request has been looked over and I feel like I've been treated unfairly cause as a consumer I have rights and laws I have been broken XX/XX/XXXXXXXX XXXX XXXX # XXXX THIS ACCOUNT DOES NOT BELONG TO ME XX/XX/XXXX XX/XX/XXXX# XXXX THIS ACCOUNT DOES NOT BELONG TO ME XX/XX/XXXXXX/XX/XXXX# XXXX THIS ACCOUNT DOES NOT BELONG TO ME
Consumer complaint received 2022-03-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-22
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. (PA)

I reviewed my consumer report and noticed that i has 1 late payment on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. i have never been late on payments the the account that i have included photo inside the complaint in on dates of ( XX/XX/23 ). Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided i demand these late payments be updated to as agreed on time as they should be due to the fact i was never late. Thanks please see picture attached
Consumer complaint received 2022-03-02
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: EQUIFAX, INC. (GA)

Despite the multiple previous written requests, the unverified collections isted below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX XXXX. ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$3500.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$5600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6000.00}
Consumer complaint received 2016-06-15
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RoundPoint Mortgage Servicing LLC (NY)

I obtained an FHA mortgage in XXXX through XXXX Bank. who then sold it to XXXX XXXX XXXX. While my loan was with XXXX XXXX XXXX as the Lender and Servicer, I became unemployed, XXXX and unable to keep up with payments. I applied for a Loan Modification back in XXXX. Went back and forth for over a year. Then suddenly there was a new servicer, Roundpoint. They told me that I no longer had an FHA mortgage, it is now Conventional. I was never made aware of the change. During this change, I was in the process of applying for the Making Home Affordable program. I was recently told that I am not eligible for any Government programs because my loan is now owned by a Private Investor. " XXXX XXXX XXXX XXXX XXXX '' XXXX " XXXX XXXX Roundpoint finally approved me for a modification but my monthly payments went UP. Now I reallly ca n't make payments and I 'm afraid I 'm going to lose my home. PLEASE HELP
Consumer complaint received 2020-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (CA)

LVNV Funding LLC is being negligent and unfair. This company has damaged me financially and emotionally. This situation is overwhelming and I hope to get a fair solution. 

Account involved : LVNV Funding LLC account, opened on XX/XX/2019, highest balance {$2200.00}, original creditor :XX/XX/XXXXXXXX. 

I have been through a really hard situation. It has affected all areas of my life ( emotional, familiar, financial life ruined, etc. ). This company has committed multiple violations of the CCRA, California Rosenthal Act, violation of California Consumer Call Protection Act and California Credit Reporting Agencies act : USING AUTOMATED DIALER. 
EXCESIVE PHONE CALLS WITHOUT PRIOR AUTHORIZATION BY LVNV AND ITS SUBSIDIARIES. 
CALLING DESPITE PRIOR NOTICE TO STOP CALLING. 
MISREPORTING DATE OF LAST ACTIVITY. 
UNSUBSTANTIAL INTEREST CHARGES BY ORIGINAL CREDITOR. 
FAILURE BY ORIGINAL CREDITOR TO PRODUCE DEBT INSTRUMENT AND PROOF OF CHARGES. 
REAGING ACCOUNT. 
NEGLIGENCE. 
UNFAIR BUSINESS PRACTICES All I am asking is the cancelation of debt and deletion from all bureaus. 

Please be aware that I am willing to take this issue to the next level. If judge is needed, I will take the case to a courthouse so I can get a fair solution to this matter.
Consumer complaint received 2019-12-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SYNCHRONY FINANCIAL (NM)

PayPal unexpectedly closed my credit account without notification. Several months later, they reinstated my account without notification. They claim to have sent written notice to an address I have not resided in 4 years. Note, I have always done handled all of my transactions with PayPal electronically. After they reinstated my account without informing me, they began charging me excessive late fees and reporting late payments to the Credit Bureau. My current balance is entirely due to late fees, which I refuse to pay.
Consumer complaint received 2022-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX Account # 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 a account without my written instructions
Consumer complaint received 2022-03-02
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: Experian Information Solutions Inc. (GA)

Despite the multiple previous written requests, the unverified collection listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6000.00}
Consumer complaint received 2020-12-29
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: Advanced Resolution Services Inc. (NV)

In XXXX of this year I was attempting to buy a XXXX XXXX. I had asked the dealership to not run my credit because I already had a bank that I wanted to use for the loan. However, even though I did not authorize it, the dealership ran my credit anyway. I ended up finding out several weeks later when I received some letters in the mail telling me I was not approved for the loan. I was extremely confused because I knew I had not authorized these inquiries but also because the notices told me that I had a very high credit score. In fact, I had an XXXX credit score! Needless to say, I should not have been denied this auto loan but I didn't have the time to go back and forth with the dealership about it at that time. A few months later I decided to look into this issue and requested my credit reports but I have not received my reports from XXXX and Advanced Resolution Services even though I have ordered them at least 3 times since XX/XX/2020.