davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-30
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. (IA)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2019-12-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (DE)

I am applying to have my PMI removed. This company has taken 6 months to even have someone recently appraise my house. They have delay tactics, they send you cryptic letter, customer service does not respond. This is a very poor company. They really should be looked at by there regulators
Consumer complaint received 2019-12-17
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)

Since XX/XX/2019 I have contacted the collection agency XXXX  XXXX  XXXX   XXXX  and all three credit bureaus ( Experian, XXXX, and XXXX  ) disputing the unknown account and asking them to provide documents to support their claim of me owing them debt such as identifying documents, a legal contract bearing my signature, calculation of the debt, how it was calculate, and who furnished the information. For over ten months all I get are " form '' letters no real facts when they should have provided these documents within 30 days according to FCRA law. They have continued to break the law while my quality of life suffers. This is my last attempt to resolve this issue without legal assistance. The account in question is XXXX XXXX XXXX  XXXX ... Amount {$3700.00} for an authorized/unknown account.
Consumer complaint received 2019-12-17
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. (CA)

I have about 5-6 Fraud inquires reporting to my XXXX XXXX and 1 on my Equifax and they are both refusing to remove them. They said the need deletion letters from those companies but those companies will not give me them. Now I'm stuck with inquires on my credit that I didnt do or benefit from starting from XX/XX/2019 till XX/XX/2019 any inquiry from that time are all FRAUD and need to be removed. Last time I checked I had NO inquiry at all on any of my reports.
Consumer complaint received 2022-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I filed chapter XXXX bankruptcy that was discharged on XX/XX/2021. The bankruptcy is not showing discharged on my Transunion credit report. I was told that it takes 30 days to update and it has been over 76 days ago.
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (PA)

i submitted a letter to all 3 major credit bureaus for deletion of accounts reported Pursuant to 15 USC 1681b-Permissible purposes of consumer reports In general Subject to subsection, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it I, XXXX XXXX have never given XXXX, equifax, or XXXX  any written consent to reports anything on my consumer report. No consent is identity theft pursuant to 15 USC 1681q ( 3 ) and i demand the removal of the accounts listed in the letter sent out.
Consumer complaint received 2021-12-13
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. (LA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX Balance {$13000.00} XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$400.00} XXXX XXXX XXXX XXXX Balance {$370.00} XXXX XXXX  XXXX Balance {$910.00XXXX XXXX XXXXXXXX Balance {$840.00} XXXX Inquired on XX/XX/2021 2021
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX Originally : XXXX  XXXX BY XXXX XX/XX/XXXX XX/XX/XXXX {$4800.00} I have reported to this company that this account is fraudulent and affecting my credit and they will not remove. My child has XXXX and tried to lease a home close to services and was denied because of this.
Consumer complaint received 2021-07-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (MT)

I spoke to XXXX XXXX this morning. The account was incorrectly billed to me. They have cleared the balance and collected payment from the correct party. The collection company will not verify this and have reported as unpaid to my credit bureaus. 

The hospital contacted the correct XXXX XXXX and resolved the outstanding balance. It was the hospitals error and it has been corrected on their end. 


XX/XX/XXXX Hospital Encounter at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ServicesProvider : XXXX XXXX XXXX, MDPatient : XXXX XXXX Visit Account # XXXX
Consumer complaint received 2021-07-30
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. (SC)

XXXX XXXX XXXX is continuing to tarnish my credit profile and harm my ability to receive new credit by incorrectly reporting I owe a debt that has been proven to not be mine. After repeated requests they refuse to provide a signed contract by myself and sent a printed letter with an incorrect date of birth attempting to prove the debt belongs to me. 

I've told XXXX, XXXX  and TransUnion that the information is incorrect and it keeps reappearing after being repeatedly told by agents that the company will be blocked from my report.
Consumer complaint received 2021-07-30
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: Experian Information Solutions Inc. (TX)

I have reached out via certified mail to the following companies and asked for proof that I gave permission to submit hard inquiries on my credit account and they have either not responded nor removed the inquiries as legally requested, since they were not able to show proof of my request. 

XXXX XXXX XXXX ( XXXX XXXX, XXXX, SC XXXX XXXX XXXX, XXXX, GA XXXX ) XXXX and XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ) XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX, XXXX, SC XXXX ) XXXX XXXX  XXXX ( XXXX XXXX XXXX, XXXX, OH XXXX ) XXXX XXXX ( XXXX XXXX  XXXX, XXXX, TX XXXX ) XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX, FL XXXX ) XXXX Also, the following Bureau 's have been PAID off and the accounts are now closed ( proof of payments available ). I have reached out to the companies and requested that the accounts be removed from my credit reports. They have agreed to remove the negative remarks and accounts from my credit report however they are still showing. 

XXXX XXXX XXXX ( On behalf of XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX ( On behalf of XXXX XXXX ) I am kindly asking AGAIN that these items are removed from my credit report, as they are either unrecognized and not proven to be mine or have been paid and legally agreed to be removed and they are still showing on all 3 credit reporting platforms ( XXXX, Experian, and XXXX  ). 

Please Please Please Remove. 

XXXX XXXX ( SS # XXXX ) XXXX XXXX XXXX  XXXX. 
XXXX XXXX, TX XXXX
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (CO)

I opened a fraud investigation with Pay Pal Synchrony bank Account ending in : XXXX. They advised the following which are completely untrue : They advised that You authorized, participated in, or benefited from the purchase and Payments have been made by you on this account has been open for more than 12 months with statements sent to you. 

I have not had a Pay Pal or Pay Pal bank credit card in 10 years if ever. I had no knowledge of the account being opened and did not received anything that was from purchases made on adopt a phone. I also have no idea where the payment would have come from since it did not come from any account I have knowledge of. Synchrony bank had a mailing address that was an address I have not lived at in 2 and a half years, along with a phone number and email address that are not mine. All the information I have found out on calls with them. 

I have filed a police report as soon as I was made aware of the situation ( attached ) and have locked my credit down on all agencies. 

I have probably made over a dozen calls on this issue so far to different credit reporting agencies wasting my time and energy.
Consumer complaint received 2021-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I sent letters to all three major bureaus the date of the last letter to XXXX  was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means 3 Credit Bureaus has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report.
Consumer complaint received 2021-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (PA)

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2022-01-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (MN)

Prepaid Mastercard Gift card issued by U.S. Bank National Association expired XXXX No way to use or transfer funds after card expiration date. Company has taken full {$100.00} value in fees and closed account. These so-called " gift cards '' should be illegal.
Consumer complaint received 2022-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Account identified as an vehicle loan is inaccurate. Sale completed at XXXX delearship. True account type is retail installment sales contract. Account also in litigation due deception and predatory lending. XXXX found at fault. 

Original balance reported as {$22000.00}. Report notes a payment of {$10000.00} made on XX/XX/XXXX. Creditor, XXXX, reports writing off {$20000.00} however balance as of XXXX XXXX only {$12000.00}. 

Data is inconsistent, incomplete, and inaccurate across all 3 credit bureaus.
Consumer complaint received 2022-01-02
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. (NC)

Account identified as an vehicle loan is inaccurate. Sale completed at XXXX delearship. True account type is retail installment sales contract. Account also in litigation due deception and predatory lending. XXXX found at fault. 

Original balance reported as {$22000.00}. Report notes a payment of {$10000.00} made on XX/XX/XXXX. Creditor, XXXX, reports writing off {$20000.00} however balance as of XXXX XXXX only {$12000.00}. 

Data is inconsistent, incomplete, and inaccurate across all 3 credit bureaus.
Consumer complaint received 2023-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (WV)

Hello. I have a Chase Bank Marriot XXXX Credit Card ; last 4 digits XXXX. I have had this account for 20 years. Even though my credit is above average and I pay my balance monthly, Chase Bank keeps raising my credit limit after I tell them not to. Most recently, today ; XX/XX/XXXX. I only want a {$5000.00} limit, but thenyalways raise it to {$10000.00} without my permission. I have asked them to stop several times, but they continue to ignore my requests. With all the cyber stealing happening, I do not want to be a victim, or at least limit it. Make Chase Bank stop this practice!
Consumer complaint received 2022-01-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (NJ)

I am currently serviced through Rocket Mortgage. They offered me the foreberance program for Covid 19 releif. When presented, we were left under the impression that the foreberance program was a pause in payments, nobody from Rocket Mortgage contacted us to discuss what the program actually was. They did not pause payments, instead at the end of the program which just ended in XXXX, all payments during the forebarance became due. Not just escrow shortages for taxes and insurance, no every payment of almost XXXX because due, for a near total of XXXX. Both my wife and I are currently unemployed, we are both struggling with employment while taking care of our recently diagnosed XXXX son. Per my research... 

Fair Credit Reporting Act has asked servicers ( Rocket ) to consider the impact of COVID on borrowers situations, and provide flexibility where needed Rocket did not provide any information regarding COVID-ALM - this was a requirement per FHA To my recollection we did not receive a letter of NO LUMP sum is REQUIRED Rocket made it clear it was required to pay at the end of the forbearance, or sign up for a plan to repay immediately or we would go into default and take a negative hit on our credit report - even though we are waiting on XXXX in assistance Rocket did not send a letter to Borrowers ( us ) to sign and return about any loan modification options ( 30 days was required for our review ) Rocket did not provide any information to include additional months of total outstanding debt at the time of any mortgage modifications ( FHA requirement XXXX COVID-ALM would have fully reinstated the mortgage as follows : Must fully reinstate the Mortgage ; The COVID-19 Recovery Standalone Partial Claim amount includes only arrearages, which refers to any amounts needed to bring the Borrower current and includes : Mortgagee advances for escrow items ; projected escrow shortage amount ; and related legal fees and foreclosure and bankruptcy costs not higher than the foreclosure-related fees and costs HUD has identified as customary and reasonable. All Late Charges, and penalties must be waived. Mortgagees are not required to waive Late Charges, and penalties, if any, accumulated prior to XX/XX/2020. 

Borrowers have the RIGHT to request a covid loss mitigation assistance through the termination of covid national emergency - no information was provided by ROCKET Rocket did not provide any resources or assistance to support the reinstatement of the mortgage Applied and were approved for a grant which is XXXX to be sent to Rocket - Rocket did not provide any type of assistance after efforts were made to bring the mortgage up to date or extension options.
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX  XXXX XXXX  didn't send my bill statement 21 days before my XX/XX/XXXX due date and reported me as late to XXXX, XXXX, and TRANSUNION. This is violation of Title 15 USC 1666b ( a ). XXXX  XXXX  also accessed a late fee without sending bill statement 21 days before the do date. This is a violation of Title USC 15 USC 1666b ( b )
Consumer complaint received 2022-01-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Hayt Hayt & Landau, P.L. (FL) (FL)

RE : Lawsuit Deceptive and unfair, since the Statute of limitations period in FL is 4 to 6 years. 

A certified letter was sent on XX/XX/XXXX without response ( XXXX ) I did not receive any notice regarding this dispute of this debit. 

I was living in XXXX State from XX/XX/XXXX to XX/XX/XXXX Then I moved back to XXXX.
Consumer complaint received 2022-01-03
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: Kelsting Group, Inc. (CA)

I was contacted by a notice by PACIFIC CREDIT SERVICE attempting to collect a debt that I never contracted or agreed to pay. They reported negative and defaming information beginning XX/XX/2019 on my credit report. I sent a debt validation to no avail. They never supplied sufficient information to me in order to validate the debt. I do not agree with their ACTIONS. I have challenged the accuracy and integrity of the information. Please help me in getting this resolved asap. 12 cfr 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) state that data furnishers Reflects the terms of and liability for the account or other relationship ; Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and Identifies the appropriate consumer. 
12CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2024-03-19
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: EQUIFAX, INC. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-19
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: EQUIFAX, INC. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-19
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: EQUIFAX, INC. (MN)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.