davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-19
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. (VA)

Experian reported two collections on my credit report that does not belong to me. I have reached out to experian numerous times. The problem still have not been fixed. They were removed and replaced back on my report. XXXX XXXX XXXX for {$620.00} and XXXX, XXXX for {$1200.00}. I don't have any knowledge of these accounts. They do not belong to me. Experian  is aware I was part of their fraud breach that occurred. This has been significant financial burden on me!
Consumer complaint received 2021-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I originally entered into a FHA loan with XXXX XXXX  along with my son for a mortgage but there were financial problems so a loan modification was granted by XXXX. I chose not to participate in the loan modification with XXXX XXXX  but my son entered into an agreement for a loan modification with XXXX alone ( by himself ) and he gave me evidence of the loan modification. My son also legally removed my name from the deed to the house when the loan modification was in place. The date of the loan modification is XX/XX/2017, and the information is still showing on my credit report from XXXX as having a mortgage. The inaccurate information is effecting my credit and has prevented me from obtaining housing. My name is XXXX XXXX, I have a different date of birth and social security number from my son whose name is similar ( XXXX XXXX XXXX but we are different individuals.
Consumer complaint received 2021-06-19
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: YSA ARM LLC DBA Oxygen XL (NY)

XXXX  Credit reporting agency is not following the law. Per section 609 I am entitled to see the contract I signed and for the creditor to validate the debt. No documentation gets provided to me and the disputes keep getting closed. Send me proof that I owe this debt or delete it from my record.
Consumer complaint received 2020-04-07
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings (TX)

Hello, This debt just popped up on my credit report out of no where. I see that the original creditor was speedy cash. Speedy cash sent this debt to another company before XXXX XXXX XXXX and it was removed from my report because I didnt take out this loan and it was no signatures nor ID showing that I took out this loan. It was removed last year and just popped back up on my credit report in XXXX. This debt should be removed from all three credit bureaus.
Consumer complaint received 2021-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

I tried to refinance my vehicle and was denied, the bank told me I had an unresolved charge off with XXXX XXXX. I contacted them and they said I had to contact who bought the debt and they would update my credit report. I contacted Velocity and they said they can not update my report but will send me a release of claim showing my payment and the account is paid and settled. I sent that to Experian for review. They did not update the status of my account to Paid in Settlement, it still shows closed and written off.
Consumer complaint received 2021-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

Scheduled Payment on Citi bank credit card app for XX/XX/XXXX however due to some glitch in the APP the payment defaulted to XX/XX/XXXX as XX/XX/XXXX was a Sunday. I was charged late fee plus interest. I called customer service and the representative acknowledged the glitch and transferred me to a supervisor. Unfortunately supervisor was rude and hurled XXXX expletives and forced me to close the account without waiving the fees. I Sent email and website based complaints to Citi bank however never got any reply. I paid the final bill on XX/XX/XXXX to the tune of {$1300.00}. 
I am getting hounded by the Citi folks for last one month that I have pending balances and they are piling up the late fees which per them is now {$31.00}. 
I am perplexed at the audacity of this company who have not even replied to my concerns and instead keep on calling from different numbers sending texts and making my life miserable. I am a XXXX XXXX and being hounded like this for no reason is uncalled for unacceptable.
Consumer complaint received 2020-04-07
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. (MD)

XXXX XXXX XXXX XXXX  HAVE FRAUDULENT INQUIRIES ON MY CREDIT REPORT FOR THE DATES LISTED : XX/XX/XXXX - XXXX XX/XX/XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO. THIS HAVE TO BE AGAINST THE LAW.
Consumer complaint received 2020-04-07
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. (MD)

XXXX XXXX XXXX XXXX HAVE FRAUDULENT INQUIRIES ON MY CREDIT REPORT FOR THE DATES LISTED : XX/XX/XXXX - XXXX XX/XX/XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO. THIS HAVE TO BE AGAINST THE LAW.
Consumer complaint received 2021-06-19
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: PNC Bank N.A. (NJ)

I originally entered into a FHA loan with PNC Bank along with my son for a mortgage but there were financial problems so a loan modification was granted by PNC. I chose not to participate in the loan modification with PNC Bank but my son entered into an agreement for a loan modification with PNC alone ( by himself ) and he gave me evidence of the loan modification. My son also legally removed my name from the deed to the house when the loan modification was in place. The date of the loan modification is XX/XX/2017, and the information is still showing on my credit report from PNC as having a mortgage. The inaccurate information is effecting my credit and has prevented me from obtaining housing.
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sequium Asset Solutions, LLC (FL)

i tried so may times to have this account remove from y credit report, every time the credit bureaus remove the account XXXX  put it back on there. they claim that i owe {$110000.00} witch is impossible.i have proof of how many time this account has been removed and put back into the report, this account has created a huge problem financially. and also a few other accounts that i know nothing about that the credit agencies refuse to remove from my credit report such as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. i simply ask that these ithems to be remove from my credit report thanks
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Receivables Performance Management, LLC (FL)

i tried so may times to have this account remove from y credit report, every time the credit bureaus remove the account XXXX  put it back on there. they claim that i owe {$110000.00} witch is impossible.i have proof of how many time this account has been removed and put back into the report, this account has created a huge problem financially. and also a few other accounts that i know nothing about that the credit agencies refuse to remove from my credit report such as recievables performance, XXXX XXXX XXXX, XXXX XXXX XXXX, child support enforcement. i simply ask that these ithems to be remove from my credit report thanks
Consumer complaint received 2022-12-30
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: Experian Information Solutions Inc. (VA)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-06-19
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: Experian Information Solutions Inc. (IL)

How you doing today, I submitted a dispute by mail to on XX/XX/21 i still havent recieved my dispute results or any progress been made. It has been past 30 days and i want this account that is not correct off of my credit report
Consumer complaint received 2020-04-07
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. (FL)

i tried so may times to have this account remove from y credit report, every time the credit bureaus remove the account XXXX put it back on there. they claim that i owe {$110000.00} witch is impossible.i have proof of how many time this account has been removed and put back into the report, this account has created a huge problem financially. and also a few other accounts that i know nothing about that the credit agencies refuse to remove from my credit report such as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. i simply ask that these ithems to be remove from my credit report thanks
Consumer complaint received 2021-06-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Garrison Investment Group (MD)

My wife and I applied for credit through Foundation Finance Company, LLC for Home Improvement project. Foundation Finance, LLC has placed a lien against my homes title which is not described as the goods or services received in the contract, it states ; SECURITY INTEREST : You grant us a security interest in the goods purchased by you and described on the first page of this Contract ( the Collateral ) as well as all accessions to and proceeds of those goods. Our security interest secures your performance of all obligations under this Contract and any extensions, renewals or modifications of it. On our request, you will take any reasonable action to preserve the Collateral or our security interest in it. You will maintain the Collateral in good condition, not permit its value to be impaired and keep it free from liens and encumbrances prior in right to ours. You will not sell, lease or dispose of Collateral without our written permission.

No where in my contract states my home is ( the collateral ) for the purpose of this line of credit. The goods and or services received is XXXX roofing, siding tr according to my contract.
Consumer complaint received 2021-06-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (FL)

TD bank calls me everyday after the pandemic. I make my payments but they still harassed me. Since the pandemic is almost a daily call. I already ask them to email or send me letters. I ask them not to call me please. This is driving me insane.
Consumer complaint received 2021-06-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (TX)

The company calls over 10 to 15 times a day using a false caller ID name every time. One time it will be XXXX XXXX XXXX XXXX XXXX the next time it will say XXXX XXXX XXXX or XXXX XXXX. When you pick up its a recording or a agent threating you with jail or a lawsuit if you dont pay immediately during this call. They dont tell you what the debt is for they just demand payment. If you call the number back no one answers. The number they called from on XX/XX/2021 came in as XXXX XXXX XXXX again and the phone number is XXXX from XXXX, Texas.
Consumer complaint received 2021-06-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2019-04-18
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: Experian Information Solutions Inc. (MD)

On XX/XX/XXXX, I sent disputes to XXXX, Experian, and XXXX   about unverified, erroneous information on my credit report and I've yet to receive a response letter from any of them aside from XXXX, who have decided to re verify my identity instead of assisting me in clearing up errors. They are also reporting various non account holding, unauthorized hard inquiries on my report and are not removing them after they've been sitting there for over 2 years without my knowledge or permission.
Consumer complaint received 2020-04-07
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. (MI)

Multiple accounts that are incorrect are reporting on my credit report : 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 2020-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In XXXX of 2013, I applied for my first credit card - as a XXXX XXXX with no credit history my options were limited. Many of my older family and friends noted Capital One would be a great place to start with a secure card and then graduate my account. It is six years later - Capital One has now paused their secured card graduation program and a few years ago they began to charge me an annual membership fee so not only do they have my deposit but they also charge me for an account that has my money secured with it. To top it off, for the same card that I have Capital One Platinum - Secured Mastercard they arent charging an annual fee for new card holders. I have always paid on time and have great credit. The only reason I keep this account open is ironic - it is my oldest credit card - if I close it then my credit would take a hit. I understand theyve paused their secure card graduation program and that they cant upgrade this card and return me my deposit but it is insanely criminal that I have to pay them annual membership fee especially when they wont hold their original contract and that new card members dont have the same experience is unfair as well - it is unjust unfair, immoral and just wrong.
Consumer complaint received 2020-04-07
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

Hello, This debt just popped up on my credit report out of no where. I see that the original creditor was XXXX XXXX. XXXX XXXX  sent this debt to another company before National Credit Adjusters and it was removed from my report because I didnt take out this loan and it was no signatures nor ID showing that I took out this loan. It was removed last year and just popped back up on my credit report in XXXX. This debt should be removed from all three credit bureaus.
Consumer complaint received 2020-04-07
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. (MD)

XXXX XXXX XXXX XXXX HAVE FRAUDULENT INQUIRIES ON MY CREDIT REPORT FOR THE DATES LISTED : XX/XX/XXXX - XXXX XX/XX/XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO. THIS HAVE TO BE AGAINST THE LAW.
Consumer complaint received 2021-06-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NC)

The loan payment ( Origination XX/XX/XXXX ) was not disclosed properly from the beginning. One of the two taxes that are paid out of escrow were missed ( the City tax was omitted and not disclosed until after the purchase of the home was complete and payments were being made, only the County tax was disclosed. ) The issue is that we purchased the home at our maximum payment ability and after the disclosure of our payment, we decided to agree to the debt ( based on that payment ) and pursued our new home ownership. 

Shortly after moving in we learned our payment would need to go up. This was an extreme hardship on us as we are at our payment limit. Every year, our payment is going up XXXX just received notice from lending institution that my payment is going up again! The letter from said institution is dated XX/XX/XXXX - Effective XX/XX/XXXX XXXX I called " customer service '' as indicated on the " Annual Escrow Account Disclosure Statement and New Mortgage Payment Notification '' letter dated XX/XX/XXXX. 

I called the number and spoke to the Institution 's representative named " XXXX '' around the XXXX of XXXX. She explained the " Escrow '' balance falls below their minimal threshold in XXXX & XXXX therefore my payment would go up to avoid the Escrow shortfall. I asked once the payment goes up again for the 3rd time would this settle the matter and she responded we will likely go through this again this same time next year. I explained our hardship and the mental fatigue of not knowing what our payment will be She said she " would look into the matter and get back with me ''. As of today, XX/XX/XXXX there has been no follow up from anyone. 

Here is my complaint ; We made a life decision to sign a promissory note, a 30 year commitment, based on supposed factual information and a " static and fixed '' loan payment. This is not the case, further, the Institution is charging me interest on this Escrow shortfall which is UNFAIR to me the consumer. The institution did offer me a temporary remedy for this year by demanding I pay {$1600.00} in the next 30 days or my payment will go up. Did the institution not see this coming months ago, indeed, from the inception of the loan so as to give a consumer some time to fund the Escrow shortage AND still make the normal monthly payment? I need this matter resolved.
Consumer complaint received 2020-04-07
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. (MD)

XXXX XXXX XXXX  - XX/XX/05 IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Consumer complaint received 2020-04-07
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. (MD)

XXXX  XXXX XXXX  HAVE FRAUDULENT INQUIRIES FOR FOLLOWING DATES XX/XX/XXXX - XX/XX/XXXX. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Consumer complaint received 2021-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hello, I'm having a problem with the credit bureaus because I recently submitted a dispute through the mail on XX/XX/2021 and today is XX/XX/2021 I still haven't received my dispute results. Also the inaccurate/Unverified account XXXX XXXX XXXX XXXX still shows on my credit report and its hindering my credit. This is investigation has been longer than 30 days and i would like the unverified items to be removed from my credit report
Consumer complaint received 2020-04-07
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. (MD)

XXXX XXXX XXXX  - XX/XX/05 IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Consumer complaint received 2020-04-07
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. (MD)

XXXX XXXX ACCEPT - XX/XX/05 IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (PA)

This agency has two illegal reports on my credit report. I have disputed so many times with no results, XX/XX/XXXX - XX/XX/XXXX are the dates of open accounts reported by this agency which is illegal along with my personal information which they purchased
Consumer complaint received 2020-04-07
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. (TX)

I tried to order my credit reports from XXXX and Equafax and is not able to. I should be able to obtain my reports from both of them without all the run a rounds.