davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-19
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXXXXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-03-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

XXXX  XXXX  LN XXXX  CHASE BANK XXXX XXXX XXXX XXXX  XXXX, CO XXXX  MY LOAN OPENED ONXX/XX/XXXX WASHINGTOM MUTUAL BANK I HAD PLACED 10 PERCENT DOWN TO QUALIFY WITH P.M.I. TOTAL $XXXX AFTER 2 YEARS BY XXXX MY HOME VALUE HAD EXCEEDED 20 PERCENT EQUITY WHICH QUALIFIED BY FEDERAL LAW THE REMOVAL OF THE P.M.I. XXXX X 12 MONTHS= XXXX X 13 MONTHS FROM XXXX TO XXXX XXXX XXXX IS OWED TO ME. CHASE BANK IN OVER 13 YEARS REFUSED TO DELETE MY P.M.I. I NEED HELP TO RECIEVE A FULL CREDIT REFUND OF WHAT IS OWED TO ME. 
RESPECTFULLY, XXXX  XXXX
Consumer complaint received 2022-04-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

1 ) The loan originated in XX/XX/XXXX ( XXXX financed ) with GMAC not XXXX, in XXXX GMAC says my balance was {$120000.00}, between XXXX and XXXX it is reported that I refinanced a total of 3 times for approximately XXXX in XXXX, XXXX in XXXX and another XXXX in XXXX. 
2 ) GMAC sold the loan to Ocwen in XXXX, I have not found what the balance was at that point. 
3 ) Ocwen transferred the loan to PHH in XXXX with a balance of {$110000.00}. 
4 ) There were some loan modifications and there were 4 foreclosure proceedings that were brought current through me making payments of the outstanding amounts plus fees.

5 ) It looks like there are some payments missing, I gained approximately XXXX to my original balances, so where did 17 years of payments ( give or take ) go? 
6 ) Using a simple mathematical calculation, if I paid a mortgage of {$540.00} every month for 19 years thats about {$120000.00}.

7 ) In my opinion there are not enough fees that can cause {$120000.00} of my money to totally disappear into thin air.

8 ) Using a basic amortization schedule a payment of {$540.00} for 228 months leaves a balance of {$57000.00}, what kind of fees would magically more than double that amount to {$120000.00} instead??
Consumer complaint received 2021-02-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Security Credit Services, LLC (WI)

On XX/XX/XXXX, I spoke with XXXX at XXXX XXXX XXXX XXXX. to setup payment plan for debt owed to XXXX  ( original creditor ), and SECURITY CREDIT SERVICES LLC ( current creditor ). The amount of the debt owed was {$2900.00}. XXXX agreed to a payment plan of $ XXXX/month beginning XX/XX/XXXX for six months, and $ XXXX/month beginning XX/XX/XXXX until debt owed is paid off. I continued receiving harassing letters from XXXX XXXX XXXX, so I retained XXXX  XXXX XXXX XXXX ( a debt management company ) to help me. On XX/XX/XXXX I spoke with XXXX XXXX at XXXX XXXX XXXX, and I was able to get in a debt management program for $ XXXX/monthly to be paid toward my debts to current creditors including XXXX XXXX XXXX. XXXX XXXX and others forwarded several proposals ( regarding debt settlement/payment plan ) by fax/email to XXXX XXXX XXXX/SECURITY CREDIT SERVICES, but got no response ... per XXXX, XXXX XXXX XXXX whom I spoke with on XX/XX/XXXX. I spoke with XXXX XXXX, XXXX XXXX XXXX on XX/XX/XXXX regarding the harassing letters I'd been receiving and to inquire about XXXX XXXX XXXX contacting them, but XXXX stated that they've had no contact from XXXX, XXXX ... XXXX obviously lied. Also, XXXX XXXX XXXX have sent 2 to 3 payments of {$87.00} to XXXX XXXX XXXX and my balance have gone down. The new payment plan of ( $ XXXX/month ) from XXXX  to XXXX XXXX XXXX is actually more than the previous payment plan that XXXX agreed to. Although XXXX XXXX XXXX have received $ XXXX/month payments from XXXX XXXX XXXX on my behalf, they have filed a lawsuit with the Wisconsin XXXX Courts , Case # : XXXX. XXXX XXXX XXXX  did not inform me about filing a lawsuit against me at all ... I don't understand this because they're receiving payments from XXXX, XXXX on my behalf, and it seems that they're intentionally trying to ruin my credit. I'm trying to do the right thing by paying off this creditor, but they're intentions are to ruin me.
Consumer complaint received 2023-06-29
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. (MN)

The following hard inquiry currently listed on my XXXX XXXX, XXXX, and Equifax credit report is unauthorized and not my hard inquiry : XXXX XXXX XXXX, XX/XX/2023
Consumer complaint received 2022-04-19
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)

In accordance with the fair reporting act. This list of accounts has violated my federally protected consumer rightsto privacy and confidentiality under 15 USC 1681 15 U.S.C 1681 section 602a states i have a right to privacy.

15 U.S.C 1681 section 604a section A also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 A person may not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe that information is inaccurate. 

XXXX. XXXXXXXX XXXX sent a letter of validation with no response account XXXX. 
XXXXXXXX XXXX XXXXXXXX account XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX XXXXXXXX,
Consumer complaint received 2022-04-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (RI)

On ( XX/XX/2022 ), I wrote to you requesting an investigation into items that I believe were INACCURATE AND UNVERIFIED. To date, I have not received a reply.
Consumer complaint received 2022-04-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

On ( XX/XX/2022 ), I wrote to you requesting an investigation into items that I believe were INACCURATE AND UNVERIFIED. To date, I have not received a reply.
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (OH)

Unable to track down loan servicing provider for student loan. Have contacted multiple companies with no resolution or record of my loan. Have spoken to XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX. Contacted using phone numbers listed below : XXXX XXXX XXXX XXXX XXXX XXXX I can not repay my loan if no one has record of it. If no one has record I want it removed from my credit.
Consumer complaint received 2022-04-19
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. (TX)

This account is XXXX. XXXX is not reported to a consumer report. After the settlement Balance was paid there is a discharged balance of XXXX that is required by law to be reported to the IRS as income by the consumer. Regardless to if the company issues a 1099c to the consumer or not the discharged balance must be reported to the IRS as income. The account status is no longer debt but income. Reporting this account as anything other than income after the the company has charged off the account is inaccurate and income does not get reported to a consumer report. XXXX  XXXX was relieved of the tax burden with this account and the tax burden then placed on the consumer. There's also case law to back up what I've just stated. Franklin Credit Mgmt v. Nicholas, Amtrust Bank v. Fossett. At this point the company is willfully non compliant given I have put them on notice prior to this complaint. Under 15 usc 1681n XXXX XXXX can be held for civil liability for willful non compliance. I will also be filing a a tax complaint against the company as I've requested a 1099c with XXXX XXXX and that request has yet to be fulfilled. Even though the discharged balance is not over XXXX dollars in which a company is required by the IRS to file form 1099c it does not mean the consumer is excluded from filing the discharged balance as income on their tax return. So regardless to the amount it is still income. I want the account deleted from my consumer report.
Consumer complaint received 2022-04-19
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. (PA)

XXXX XXXX XXXX  is reporting on my consumer file without my written permission. Violation of 15 usc 1681 section 602a and 15 usc 1681 section 604a section 2. Please remove this account. Each violation of this has a {$1000.00} fine
Consumer complaint received 2022-04-19
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. (PA)

XXXX XXXX XXXX is reporting on my consumer file without my written permission. Violation of 15 usc 1681 section 602a and 15 usc 1681 section 604a section 2. Please remove this account. Each violation of this has a {$1000.00} fine
Consumer complaint received 2023-06-29
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. (IN)

I recently received communication from XXXX, Equifax and XXXX attempting to collect an alleged debt. 
I send a letter to XXXX, Equifax and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants COLLECTION COMPANY NAME the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. 
* All statements while this account was open. 
* Have any insurance claims been made by any creditor regarding this account? 
* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * No XXXX, Equifax and XXXX never responded! 

Further More XXXX, Equifax and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represent the character other Violations under 15 USC 1692 e that XXXX, Equifax and XXXX is implementing it self. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore XXXX, Equifax and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XXXX XXXX XXXX  Cease reporting this debt immediately or face legal action. XXXX, Equifax and XXXX lack permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-29
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. (FL)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-06-29
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: EQUIFAX, INC. (NY)

I have sent all 3 credit reporting agencies written disputes regarding XXXXXXXX XXXX account XXXX XXXXXXXX on the following dates XXXX XXXX XXXX and XXXX  This account was closed and charged off and reporting a balance of {$2000.00}. Despite the debt being sold to a law firm, XXXX has continued to report a balance on my credit report. This reporting is misleading and inaccurate, as the debt no longer belongs to XXXX, and they have no legal right to collect on it or report its status. The credit reporting agencies or XXXXXXXX XXXX  have not sent any proof that I owe this debt.
Consumer complaint received 2022-04-19
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. (MS)

XXXX accordance with the Fair Credit Reporting Act XXXX Accounts has violated my rights. 

15 U.S.C 1681 section 602 A I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been sending harassing messages weekly, making false statements about speaking to my loved ones, and threatening to prosecute me about a debt. I will attach the most recent message below.
Consumer complaint received 2017-02-16
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

Seterus refuses to properly service our loan. 
1 ) Seterus refuses to publish 6 years of on time payments to any of the credit bureaus. 
2 ) Seterus refuses to provide monthly statements via mail or online 3 ) No online access to previous or current statements is being made available. 
Seterus told us to send a request via fax to them which they confirmed receipt on, but there has been no written response received in over 30 days. 

Seterus is hindering our ability to rebuild our credit since declaring bankruptcy in 2011. We completed a HAMP modification and have made all payments as agreed since then. We are now eligible for our 6 year ontime payment reward, but it seems that Seterus is doing all they can to have us miss a payment. 

We seek your assistance to remedy this asap. 
Thank you
Consumer complaint received 2023-02-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

I was a victim of fraud back in XXXX XXXX XXXX XXXX 2022 to both business and personal checking account, at Wells Fargo, I have failed claims, but they have Only honored and return the money of my business account, its been eight months And they keep giving me the runaround. The claim both personal and business are from the same incident why find one in my favor and not the other? This account is both under my brothers name XXXX XXXX and myself. They dont want to honor it because they claim XXXX took the money, But my brother XXXX XXXX XXXX  when this happened from XX/XX/XXXX to XX/XX/XXXX XXXX 2022, and I will enclose copy of his XXXX And police report. His credentials were used while he was XXXX XXXX to open accounts at other locations, at that time money was transferred to the fraudulent accounts they were open and that is how the money was withdrawn
Consumer complaint received 2022-04-19
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. (MS)

XXXX accordance with the Fair Credit Reporting Act XXXX Accounts has violated my rights. 

15 U.S.C 1681 section 602 A I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been sending harassing messages weekly, making false statements about speaking to my loved ones, and threatening to prosecute me about a debt. I will attach the most recent message below.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

XX/XX/XXXX To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report with Equifax, XXXX and XXXX, I immediately noticed unauthorized inquiries and credit accounts on my report. 
I also have noticed that my credit profile has become unlocked, without my permission. 

According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed! 

This is an immediate request for an update to remove all unverified and unauthorized inquiries and accounts from my credit report and ensure that your systems maintain the correct information. 

Please see all included documentation that lists my current and updated address, that I have lived for the past 15 years. Please remove any other address your system may have found. 



Unauthorized Credit Accounts to be Removed IMMEDIATELY : XXXX XXXX Acct # : XXXX - {$340.00} XXXX XXXX Acct # : XXXX - {$300.00} XXXX XXXX XXXX  XXXX Acct # : XXXX XXXX {$330.00} XXXX XXXX XXXX Acct # : XXXX XXXX {$1200.00} XXXX XXXXXXXX XXXX XXXX Acct # : XXXX - {$300.00} XXXX  XXXX XXXX XXXX Acct # : XXXX - {$340.00} XXXX XXXX Acct # : XXXX XXXX {$650.00} XXXX Acct # : XXXX - {$1400.00} XXXX XXXX  XXXX Acct # : XXXX - {$620.00} Unauthorized Credit Inquiries to be Removed IMMEDIATELY : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Unauthorized Addresses to be Removed IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Your company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing. 
Once the inaccurate information has been removed, you are required to MAIL AN UPDATED credit report to my home address within 30 days of resolution. 

I look forward to hearing from you soon. 

Sincerely, XXXX XXXX EMAIL : XXXX XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX
Consumer complaint received 2022-04-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC (AZ)

This was our third time doing a 90 day same as cash we paid off the other loan and then took out another This time they said we didn't ask to have it set as a 90 day same as cash and therefore was charged a 12 month lease which ended up costing us three times the amount we agreed to The company was reporting the amount owned from day one as a higher amount then we where even qualified for on the same as 90 day same as cash loan. 

The company was unwilling to honor the 90 day same as cash and we ended up paying {$7500.00} when all we agreeded to was {$3000.00} lease number # XXXX
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.