davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-02
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Siggi LLC (AL)

I am a XXXX veteran living in XXXX XXXX Alabama. I am seeking your assistance in regards to illegal practices of Omni Financial of Nevada , Inc. After extensive research, I have found that Omni Financial has and still is violating a number of federal and state codes. On XX/XX/XXXX I received a loan in the amount of {$2000.00} ( principal amount of XXXX ) from their office formally located at XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX What I discovered was Omni Financial was not registered to operate until XX/XX/XXXX. I unfortunately defaulted on the loan due to lack of income. Since then the original amount to pay back has jumped to {$16000.00} ( {$8500.00} in interest and late fees added each month ). 

There was a recent Administrative hearing held by the Bureau of Consumer Financial Protection in which they found a number of Omni Financials practices illegal. I ask that you review the attached documents and provide any assistance you can.
Consumer complaint received 2021-08-30
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)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal.XX/XX/XXXX), you may be liable for your willful non-compliance.
Consumer complaint received 2021-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have made several attempt to resolve since XX/XX/2020 please the attached proof Re : XXXX XXXX  needs to be removed it does not belong to me, Please see the provided proof. 

Secu this account shows late payments : This account is paid never, The balance is also incorrect. I am requesting that all information be corrected Please see the attached for further information XXXX  dates are follow : Per the USPS 1 ) XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX, 2020 All as shown above was recived by XXXX XXXX. 


Transunion has declined to update my credit report, I have sent numerous request to them as well.
Consumer complaint received 2021-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was charged over XXXX from XXXX XXXX XXXX. 

XXXX admits that they do not know exactly why my bill was so high and that they don't have an itemized bill they can provide. Ive been on 3 way with a capital one agent who heard them admit such and they have still continued to try and collect on a debt that can't be verified. They also continue to report to my credit agency knowing the information provided about my amount is inaccurate,
Consumer complaint received 2021-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

For months I have made the decision to work on my credit report since XX/XX/2020 I have been sending letters to the credit bureaus to eliminate accounts reported in an erroneous way and I have been ignored, my right to a fair credit has been XXXX. I have not received a single letter at my residence from the credit bureaus.
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (NC)

I have requested this information to be taken off of my credit since its from 2013! Its more than 7 years old but keeps reappearing and updating on my credit and damaging my current profile.
Consumer complaint received 2021-01-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XXXX
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

XXXX, XXXX, Equifax continue to violate the FCRA requirements by not deleting the inaccurate information on my cardmember Service account XXXX. The late notice for XXXX is inaccurate. I was never late for XXXX. I have provided proof documentation on numerous dispute to support my dispute. This willful inaccurate information continue to caused injury and harm to me financially and is preventing me from obtaining financing.
Consumer complaint received 2021-01-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Reliant Capital Solutions, LLC (TN)

On XX/XX/2020 I received notification that this debt collector company Reliant placed a collection under my name for a school I've never attended. I have not attended any colleges in my entire life. I would like for this derogatory information to be removed immediately. This company has failed to provide me with the following information to prove this account belongs to me. Application with my name, date, hours attended, classes, etc to show I was attending this school. They are breaking the FCRA law and I demand this debt be deleted.
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (AR)

Fortivia continues to report and confirm that my account delinquent from a period of XX/XX/2019. This information is incorrect and I was never late. In complaint # XXXX-XXXX/XXXX  Fortiva responded that they have directed the credit bureau that my account was never late and said XXXX  needed to correct the information to allow 5 to 7 days for that to occur. I submitted a dispute with XXXX  and XXXX. In response XXXX  indicates that when Fortiva was contacted by them regarding the dispute Fortiva is confirming that the account was delinquent. In complaint # XXXX-XXXX  XXXX  indicated that as recently as XX/XX/XXXX Fortiva was confirming the delinquency. I have received several letters from Fortiva that this account is being reported delinquent yet they are continuing to seen electronic feeds to the credit bureau 's that this payment on XXXX of 2019 was 30 days late. This incorrect information needs to be removed from my credit bureau reports. Fortiva needs to fix this electronic feed that is reporting incorrectly.
Consumer complaint received 2021-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WI)

The remaining balance with XXXX finance was written off in XX/XX/2018. This company has illegally reported late payments and an open account to XXXX and Equifax twice since XXXX. On XX/XX/XXXX my credit score dropped 20 pts. On XX/XX/XXXX my score dropped another XXXX points when they unlawfully reported a late payment on a closed account and the account was re-opened. I will Sue this company and the credit bureaus if this account is not removed from my credit reports under the FCRA. There can not be new missed payments on a 3.5 year old charged off account causing my score to plummet. I have attached documents showing their illegal procedures.
Consumer complaint received 2021-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

The remaining balance with XXXX finance was written off in XX/XX/2018. This company has illegally reported late payments and an open account to Transunion and XXXX twice since XXXX. On XX/XX/XXXX my credit score dropped 20 pts. On XX/XX/XXXX my score dropped another 17 points when they unlawfully reported a late payment on a closed account and the account was re-opened. I will Sue this company and the credit bureaus if this account is not removed from my credit reports under the FCRA. There can not be new missed payments on a 3.5 year old charged off account causing my score to plummet. I have attached documents showing their illegal procedures.
Consumer complaint received 2021-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  # XXXX XXXX, XXXX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately please this is hurting my credit. Im in the process of purchasing a home. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Inaccurate/not verified XXXX XXXX XXXX Inaccurate XXXX XXXX XXXX Inaccurate XXXX  XXXX XXXX XXXX Inaccurate XXXX  XXXX XXXX Inaccurate
Consumer complaint received 2021-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I sent you a letter regarding inaccurate things on my credit report on XX/XX/2021 but to this day more than 60 days have passed, but I still received no response from you. I was told that FCRA obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit nor i get response from you. Apparently, you are ignoring my letters for some reason. These errors are causing me serious trouble so if this doesnt get resolved I will seek legal action. My information was impacted by XXXX data breach and may got into hands of the wrong person and its your obligation to fix all these errors.
Consumer complaint received 2021-08-30
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: EQUIFAX, INC. (VA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to report that my identity has been stolen, a number of accounts had appeared in my credit, in the passed i had lost my wallet but although I reported to the police apparently someone is using my identity to open accounts in my name. 
An FTC report has been summited and is attach to this complaint.
Consumer complaint received 2021-08-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (UT)

I opened this account in the store about 60 days ago. I never got the card or statement in the mail so after about a month I called. I was informed that they had my address wrong and were reversing the late fee and issuing me a new card. Several weeks have gone by and still nothing so I call again to find out that I still owe that late fee and they cant issue me a new card because I did not make a payment. I did make a payment the first time I called in so I would not rack up any more fees until I get my card or statement so I could set up my online access to my account. They told me again that they will reverse the fee and they will mail me a statement but they cant issue me a new card until a new billing cycle starts. I cant access my account, verify purchases or fees or make payment to pay off my card because I cant get a card but I cant get a card until I am charged more fees.
Consumer complaint received 2021-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (WI)

The remaining balance with Exeter finance was written off in XX/XX/2018. This company has illegally reported late payments and an open account to XX/XX/XXXX and XX/XX/XXXX twice since XXXX. On XX/XX/XXXX my credit score dropped 20 pts. On XX/XX/XXXX my score dropped another 17 points when they unlawfully reported a late payment on a closed account and the account was re-opened. I will Sue this company and the credit bureaus if this account is not removed from my credit reports under the FCRA. There can not be new missed payments on a 3.5 year old charged off account causing my score to plummet. I have attached documents showing their illegal procedures.
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

I filed chapter XXXX bankruptcy in XXXX of 2019 but it was dismissed because my circumstances got better but yet it is still on my credit report I was assured by my attorney it would be removed.My circumstances got worse in XXXX of 2019 and I had to file chapter XXXX again but according to the XXXX District Bankruptcy Court you have to legally wait 6 months to file any bankruptcy so technically I never filed so it should legally be removed from my credit report.
Consumer complaint received 2023-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CO)

We filed a claim with our insurance company for hail damage to our property & the insurance checks were mailed to our home, made out to myself & Chase. I physically took the checks to the Chase Bank to turn over to them. Initial funds of {$40000.00} were released for us to begin repairs. On Wednesday, XX/XX/2023, an inspector contracted by Chase came to our property to do an inspection. An inspection was completed ( with photos ), and my husband, XXXX XXXX, signed off on the inspection report. The inspection was submitted to Chase at 100 % complete. After FIVE days of dealing with Chase via phone to resolve the release of the funds to pay for repairs, I was told that the file was " referred to corporate for further review for being non-responsive ''. I was initially told that once the repairs were completed, to call for the inspection. Chase is insisting that they sent out letters to which there was no response, yet Chase now has an inspection report, filed by their inspector, and I have talked to the Mortgage Claims department several times, but I was told that they are currently holding the funds because we were " non-responsive ''. I have now spent the XXXX day trying to resolve this issue through numerous phone calls. HELP!
Consumer complaint received 2021-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-01-02
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. (NY)

I was the victim of a crime, which included having my New York State ID, Social Security Card, and credit card stolen, and this occurred in 2019. I am requesting that all soft and hard credits be removed for the calendar year 2019. I am including XXXX XXXX XXXX XXXX Police Department report, which verifies my situation.
Consumer complaint received 2021-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (MN)

In the last 90 days, Ive file 3 complaints against NCA. Each time theyve responded saying they would take specific actions to correct their mistakes but never did. An account ( XXXX ), which per MCAs admission, that has been paid in full since XX/XX/XXXX has repeatedly submitted to credit reporting agencies as being severely past due. Another account ( XXXX ), which per NCAa letter dated XX/XX/XXXX, should have been placed in a fraudulent status, never was. Both accounts ( XXXX and XXXX ), per NCAs letter dated XX/XX/XXXX, were to be placed in a cease and desist status never were and have repeatedly been reported to the credit bureaus. I checked my credit on XX/XX/XXXX and both accounts are still being reported to the bureaus. Ive contacted an attorney and, before taking legal action, wanted to reach out to NCA, one last time, to get this fixed.
Consumer complaint received 2021-01-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (SC)

My mortgage was transferred for servicing in XX/XX/2020 to DMI original mortgage is thru XXXX XXXX XXXX. They are trying to collect over XXXX. I sent bank statements showing where payments were electronic withdrawals from my bank account and they are saying thats not proof of payment. Have called numerous times still not resolved. Also in XXXX when they took it over there was a deferred interest payment applied for a little over XXXX no clue what this is and they cant tell me either. Im extremely XXXX now. No one can go through this account over the phone they send payment history that doesnt match or make sense. I get letters saying Im going in to default. I need help from someone. I researched the reviews and numerous complaints and reviews are exactly like mine they had 1 star ratings. Help!!! Also cant speak with anyone at XXXX it automatically transfers to DMI
Consumer complaint received 2021-01-02
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: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-08-30
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. (CA)

Someone broke into my car stole my persona information & now using it as me and trying to open accounts in my name. These items on this report was not authorized or completed by me.
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 I submitted a personal information dispute to the three credit bureau 's because I found fraudulent names and addresses reporting on my credit report. 

I would like the name XXXX XXXX to be removed because that is my grandfather 's name not mine as well as XXXX XXXX XXXX which is my father. I am XXXX XXXX XXXX. 

I also requested the following addresses be removed : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX I have never lived at these addresses. 

Please remove the following employer : XXXX Please see the attached identity theft affidavit and letters sent to each bureau in which I have not received a response.