davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

Subject : Dispute of Unauthorized Hard Inquiries on My Credit Report Dear Experian, I am writing to dispute several unauthorized hard inquiries listed on my credit report, which I believe to be inaccuracies, in violation of the Fair Credit Reporting Act ( FCRA ), specifically under Section 611 ( 15 U.S.C. 1681i ). Upon reviewing my credit report, I noticed multiple hard inquiries that I did not authorize nor are they associated with any accounts on my credit report. These inquiries are inaccurately affecting my credit score, and I request an investigation into these items with the expectation that they will be removed from my report. 

Below are the details of the unauthorized hard inquiries : XXXX XXXX XXXX  XXXX -Dated XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XXXX XXXX Bank Credit Cards - Dated XX/XX/XXXX XXXX XXXX - Personal Loan Companies - Dated XX/XX/XXXX XXXX XXXX XXXX XXXX - Credit Unions - Dated XX/XX/XXXX XXXX XXXX XXXX- All Banks - Dated XX/XX/XXXX I affirm that I did not authorize these inquiries and have no knowledge of them. As mandated by the FCRA, I request that you conduct an investigation within 30 days of receipt of this letter to verify these inquiries. If these inquiries can not be verified as authorized by me, they should be removed immediately from my credit report as per the FCRA requirements. 

Please inform me of the outcome of your investigation because this is of utmost importance. 

I appreciate your immediate attention to this matter. Should you need any further information from me, please do not hesitate to contact me at XXXX. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-09-15
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. (AZ)

I received and alert from Experian Direct stating that there have been changes to my credit report. While reviewing my report I noticed what appears to be a prepaid credit card open on my credit report with XXXX XXXX XXXX  XXXX This is fraud as I have not applied for or open any new accounts nor have I ever heard of this company. I called the XXXX listed on my credit report for this company and when I am able to get someone on the phone they immediately hang up once I say this is fraud.
Consumer complaint received 2020-08-08
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: Experian Information Solutions Inc. (TN)

I have only looked around at a new home because my current home is being extremely uncooperative. I am a XXXX XXXX XXXX whom works part time making about XXXX dollars less than I was originally making per hour before Covid. That doesnt cover the debt I had finally caught up to and had worked out perfect. I am stressed to the bone and starting to now fall behind on my education because I cant find any form of debt relief I had 110 % under control before recent weeks. I need a home and a place to be able to continue furthering my education but when all these inquiries appear on my credit and destroy my chances of being approved for ANY type of financial help that would allow me to get back on my feet again. I have been unapproved for the amount of a personal loan i would need for debt consolidation. I cant get approved for any financial help at all due to my most recent credit inquiries. Im worried for my future at this point and begging for help. I have individuals looking at my credit report without my authorization and my credit has seriously hit below poor when I have been doing the best I can at setting my payments and bills to ALWAYS be on time. I'm now on the verge of losing everything in my life over something out of my control and consent.
Consumer complaint received 2020-06-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (IL)

I received an email todAy Stating Im falling fallen behind with my mortgage. 
We noticed that you have fallen behind on your mortgage payment and are concerned that you may have been financially impacted by COVID-19.

If you have been financially impacted by COVID-19 and are unable to make your mortgage payment, you may qualify for a COVID-19 Forbearance plan, a temporary suspension of your monthly payments.
Consumer complaint received 2020-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (CA)

Going on about two months ago now I've been trying to dispute a debt that is not mine with there company, Adler Wallach Associates Inc ( AWA ). I have sent this company multiple letters to address the erroneous debt on my credit report and they refused to reach back out to me. I first notified by mail on XX/XX/XXXX, then tried to reach out to them by mail also twice on XX/XX/XXXX, and XX/XX/XXXX. FTC law requires a company to reach out within 30 days or the company will have to remove the remarks from one 's credit report. this company has failed to reach out to me and have the audacity to increase the debt from {$2400.00} to {$2400.00}. Looking at the reviews on XXXX, I'm not the only consumer having issues with this company and I'm addressing that because its clear that breaking the law and do not care.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IA)

Apparently XXXX XXXX XXXX bought an old debt from XXXX XXXX from XXXX, was the first date of delinquency. When I wrote a debt validation letter to XXXX XXXX XXXX over 30 days ago, I got no response. When I disputed the debt through Experian, XXXX responded that it is valid and updated the status date now to XX/XX/2024. Before XXXX, this debt was with another collector that I had to dispute then to have it removed and it was right away. Now it's back and with XXXX?!?! When I googled them to get their contact information for validation letter, it does state that they are permanently closed. Now I am wondering, was there even an investigation of the dispute completed? So I disputed again and same exact thing. Both attached with letter I sent, as well. Either way it should not be on my credit report because it is AT LEAST XXXX XXXX XXXX and they can not validate it is a debt I owe or that they can legally collect it in the state of Iowa.
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

I tried applying for a mortgage loan and a car loan and I've gotten denied multiple times and I'm aware it is against 12 CFR PART 1002 EQUAL CREDIT OPPORTUNITY ACT REGULATION B.
Consumer complaint received 2020-08-08
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. (TN)

I have only looked around at a new home because my current home is being extremely uncooperative. I am a XXXX XXXX XXXX whom works part time making about XXXX dollars less than I was originally making per hour before Covid. That doesnt cover the debt I had finally caught up to and had worked out perfect. I am stressed to the bone and starting to now fall behind on my education because I cant find any form of debt relief I had 110 % under control before recent weeks. I need a home and a place to be able to continue furthering my education but when all these inquiries appear on my credit and destroy my chances of being approved for ANY type of financial help that would allow me to get back on my feet again. I have been unapproved for the amount of a personal loan i would need for debt consolidation. I cant get approved for any financial help at all due to my most recent credit inquiries. Im worried for my future at this point and begging for help. I have individuals looking at my credit report without my authorization and my credit has seriously hit below poor when I have been doing the best I can at setting my payments and bills to ALWAYS be on time. I'm now on the verge of losing everything in my life over something out of my control and consent.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT OF ED XXXX, XXXX XXXX   XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  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 2020-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (NY)

I had to put my mortgage on forbearance for a couple of months this year, because I had lost my work. When work started again, I was struggling to keep all my finances in order and make all payments on time. I removed the forbearance from my HPFC ( home point financial ) mortgage at XXXX XXXX XXXX, as soon as I got back to work. When I had removed the forbearance, HPFC immediately increased my mortgage payment for what they said, was a deficit in escrow. This, albeit, placed a further financial burden on me, regardless I made my mortgage payment as soon as funds cleared my XXXX ( XXXX XXXX XXXX ) account from the sale of a property. XXXX XXXX XXXX indicated to me that funds were available for use, and so I went ahead with my mortgage payment. When I had learned that the mortgage payment that I made to HPFC was returned on XX/XX/2020, I immediately made another payment ( on the same day ) to them for the same account to correct the error. The payment was accepted on their website, and a green message indicated " thank you for your payment ''. I thought nothing more of it, and heard nothing about it until I received a paper envelope in my hose mail box indicating that my payment was late! I was shocked and immediately logged into my HPFC mortgage account and discovered that my 2nd payment made on XX/XX/2020 was ALSO returned, I didn't know why this would be, as I had the funds in my XXXX account to cover the payment. I called HPFC and inquired why the 2nd payment was returned and they told me that information had been entered incorrectly. I told them that I had made the payment on their website and it went through. They said that it was some type of error and the payment had not actually gone through. 
I want to do the right thing and pay my bills, I am appalled that this error would have been marked negatively on my credit score. This time of COVID is a great financial struggle for all, and I want to certainly be responsible and reasonable. I strongly feel that the error on HPFC 's part should NOT reflect negatively on my credit reports, and I am outraged at HPFC treatment of my on the phone and lack of responsibility. They had told me they tried to call me, but I have received no call from them. They did not email me, text me. They sent a paper letter in the USPS which arrived days after the 2nd payment was made. Also, feel free to call my cell XXXX. Thank you, and please help me. I appreciate your efforts in my behalf
Consumer complaint received 2020-08-08
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: EQUIFAX, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXXt, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-06-16
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: ENCORE CAPITAL GROUP INC. (NY)

XXXX XXXX was original credit, they sold it to Encore Capital Group. This bill was put on a chapter XXXX bankruptcy in 2016. They keep harrassing me.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX  XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-08-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (MA)

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2020-08-08
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

To whom it may concern : I am trying to save my home and the lender is saying I have old history with XXXX XXXX XXXXXXXX, XXXX and Capital One. 

These accounts appear to be close the the 7 year mark. Upon looking at the accounts there are a few months left. I am hoping someone here can help me with a good will adjustment. 

Please I need these accounts removed. If it is possible for you to look into this and help me get these accounts deleted. There are 4 in total. 

Thank you XXXX
Consumer complaint received 2020-06-16
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: Experian Information Solutions Inc. (WA)

I tried to get a free annual credit report via XXXX, but I could not get one from any of those three companies. I called transunion and they said when they were reported, one digit of the social security number was reported incorrectly and I should send my social security card to resolve the issue. I sent it last week, but I am still not able to access it online. I tried to get it via phone call, but it keeps getting hung up at the last step.
Consumer complaint received 2020-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

i have a negative balance on my american express magnet card. The organization ( american express ) has a 3 ACH transfer limit on these negative balances and wants to send me a check. I do not have a forwarding address on my mailing address, and have left that residence due to the corona outbreak. I am socially distancing from my family ( older member ) on a sand bar called XXXX XXXX where mail is also not deliverable. This negative balance will be used to pay off other credit card debt from my personal business that collapsed due to the corona outbreak ( XXXX industry ). 
Can you please get them to send me my money back via Wire or ACH? 
I have already asked them to cooperate with this request, but they said we can send via check, or you can spend the negative balance ....
Consumer complaint received 2020-08-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MA)

Good Afternoon everyone ; listen, my credit report keeps showing that i have a debt with Midland MCM from XX/XX/2016. I believe this is an error because when i contested the debit with them and original creditor they mentioned that they have no record and they failed to provide me detail of the {$10000.00} alledged debt. It was removed and all the sudeen, i just refreshed me report and i found it again on my credit report.
Consumer complaint received 2020-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (GA)

This company Franklin Collection is still reporting this collection account on my credit reports even though this debt was paid in full directly to XXXX XXXX XXXX. Firstly after filing a dispute with the credit bureaus, in XX/XX/XXXX of XX/XX/2020 Franklin Collection posted a debt of {$110.00} to my credit bureau reports 4 times in that one month. This amount was paid directly to XXXX XXXX XXXX and instead of it being removed from my credit, Franklin Collection updated the posting as a collection account, paid in full.
Consumer complaint received 2020-08-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc. (GA)

i am writing about Franklin Collection services that i have been communicating with over the past couple of months with no reply and this is my second notice that i have sent them concerning this complaint on XX/XX/2020 and i am asking for your assistance in this matter of correcting the problem.i have attach the letter below of my letter that i have requested.