davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-27
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)

I have been writing to the credit reporting company for about a year now trying to get this XXXX XXXX account remove from my account as fraud. I have requested that they send me proof that this account is not fraud and as of today I still dont have antthing from they. I was this remove from my account. They removed the credit inquiry but not the account. I have disputed this with Experian at least three other times with no response
Consumer complaint received 2022-02-27
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. (NC)

Account number : XXXX This account needs to be removed immediately from my equifax report and never be added again by any bureau according to the FCRA. It has been deemed fraudulent by XXXX XXXX XXXX by a recent investigation into the credit card account. Please remove immediately.
Consumer complaint received 2023-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (NY)

In XX/XX/2023 I was sent the annual escrow analysis for my loan. The letter indicated there are over {$7000.00} of surplus in the esctow and that this surplus would be refunded in a different mailing. As of XX/XX/2023 nothing was refunded so I reached out to the company to follow up. The representative XXXX assured me it would be refunded immediately by check. By XX/XX/2023 nothing was refunded so I reached out again to the company. The representative XXXX escalated the case with the assurance that a manager will contact me within 48 hours. As of today, XX/XX/2023 nobody has contacted me and no refund has been received.
Consumer complaint received 2017-09-06
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)

I contacted XXXX XXXX before it was XXXX and I was placed on a long deferment due to a XXXX XXXX XXXX I was living in. I had to stop school in XXXX out of fear of XXXX XXXX locating me. I was placed on deferments. On my credit report I have 60 days late 90 days late and 120 days late around the time if my deferment. Now I 'm on a deferment and the balance is still going up. I would like to have these late payments deleted due to being on a deferment st that time.
Consumer complaint received 2022-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a business line of credit with bank of America. Been their customer over 20 years. 
They have an issue with their portal ( autopay ). The {$20.00} payment was a mistake and they had a computer issue at that time ). 
I went to the local branch and letting know about the issue. 
Regardless they closed my account ( line of credit ) Attached are the documents that they issued credit after closing my line of credit. 

PS : Never been late on my payments and my credit score is over 800. 
This is not the first time I am facing discrimination due to my religion ; XXXX XXXX XXXX
Consumer complaint received 2022-02-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (IL)

On this date, XXXX XXXX, 2016 company opened a collection. 
Account # XXXX {$700.00} That I owe. 

I have never signed any written document saying that I owe this debt to the collector. 
Pursuant to 18 U.S. Code 8, I owe no debt. This company is violating my rights to privacy pursuant to 15 U.S. Code 1681b Section 2. Company has NO permission to report ANYTHING using my information pursuant to 15 U.S. Code 1681 section A, Subsection 4.

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit reports. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ARVEST BANK GROUP, INC. (CA)

Do to corona Virus COVID-19During the shut downI lost my business at that time And I called my mortgage company To explain my situation and that I can't pay my mortgage payment, No mortgageCompany Offered me Forbearance plan until my situation get better And I be able to pay my mortgage and I request the mortgage company for loan modification after I Submit all my documents they didn't Qualifying me for loan modification they denied me and they refused to work with me to save my house they refused to take my mortgage payment and the refused to pay them what I owed them on stalemate payment, mortgage company they threaten me to pay them what I owe in one payment Otherwise they threaten me Foreclose on my house or short sale, please i your help to save my house to raise my XXXX kids, thanks very much
Consumer complaint received 2022-02-27
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. (NC)

I called them and they said they cant do anything about it and I have to continue to wait until they feel like removing it from my report. Its already been eight years so Im not sure how much longer itll take for it to be removed. It is now showing as derogatory on my report and it needs to be removed immediately. This account is closed and was paid in full I dont owe anything to them.
Consumer complaint received 2022-02-27
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. (NC)

I called them and they said they cant do anything about it and I have to continue to wait until they feel like removing it from my report. Its already been XXXX years so Im not sure how much longer itll take for it to be removed. It is now showing as derogatory on my report and it needs to be removed immediately. This account is closed and was paid in full I dont owe anything to them.
Consumer complaint received 2022-02-27
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. (NC)

I called them and they said they cant do anything about it and I have to continue to wait until they feel like removing it from my report. Its already been XXXX years so Im not sure how much longer itll take for it to be removed. It is now showing as derogatory on my report and it needs to be removed immediately. This account is closed and was paid in full I dont owe anything to them.
Consumer complaint received 2022-03-23
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. (AL)

The credit bureaus whom aren't bureaus at all have falsely listed the wrong accounts and statuses to accounts on my credit file. XXXX, Transunion, and XXXX are companies not bureaus and they have no rights but I do. No consent or permission was given to allow them to furnish any of the information they have listed on my credit file and I want it all corrected. To prove they have no rights and I the consumer require that they follow the consumer laws under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer or be prepared to pay for every violation I can find under Title 15.
Consumer complaint received 2022-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Commercial Collection Corporation of New York, Inc. (MD)

I have been victims of an Identity theft, I fill up a FTC report twice but the information came to me verified by XXXX. That collection is the only negative Item in all my credit history and I have it recorded only with XXXX. I have nothing to do with that account I never leave in that address reported by the collection is not attached to my credit report. That account is stopping me from moving on with my live. I'm unable to qualify for a simple apartment with my daughter because of that. Please sir I really need your help on this.
Consumer complaint received 2019-10-14
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. (GA)

I am writing this due to non-compliance with Equifax. They have failed to remove information that was affiliated with personal details that were challenged and removed in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2022-03-23
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. (FL)

These are a list of Hard Inquires not authorized by me and without my knowledge XXXX  XXXX OPENED XX/XX/2021 XXXX XXXX XXXX OPENED XX/XX/2021 XXXX XXXX  OPENED XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX OPENED XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX OPENED XX/XX/2021 XXXX OPENED XX/XX/2021 XXXX OPENED XX/XX/2021 XXXX OPENED XX/XX/2021 XXXX  OPENED XX/XX/2021 XXXX XXXX  OPENED XX/XX/2021 XXXX OPENED XX/XX/2021 XXXX/XXXX  XXXX XX/XX/2021 XXXX OPENED XX/XX/2021
Consumer complaint received 2022-10-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: GOLDEN 1 CREDIT UNION, THE (CA)

On XXXX XXXX I made consumer transaction to purchase a new car and was required to put a cash down payment which my consumer rights were violated. The contract did not disclose clear and conspicuously my rights as a consumer when entering the contract. Due to these violations I demand to rescind my rights.
Consumer complaint received 2022-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NC)

I called them and they said they cant do anything about it and I have to continue to wait until they feel like removing it from my report. Its already been eight years so Im not sure how much longer itll take for it to be removed. It is now showing as derogatory on my report and it needs to be removed immediately. This account is closed and was paid in full I dont owe anything to them.
Consumer complaint received 2022-02-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (IL)

On this date, XX/XX/2019 company opened a collection. 
Account # XXXX {$620.00} That I owe. 

I have never signed any written document saying that I owe this debt to the collector. 
Pursuant to 18 U.S. Code 8, I owe no debt. This company is violating my rights to privacy pursuant to 15 U.S. Code 1681b Section 2. Company has NO permission to report ANYTHING using my information pursuant to 15 U.S. Code 1681 section A, Subsection 4. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit reports. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-27
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. (TX)

For almost a year and a half I have submitted my payment biweekly from my bill pay to where the funds are deducted from my account and issued to XXXX XXXX XXXX within 24-48 hours. I have repeatedly had late payments placed on my credit report to which had greatly diminished my credit score. I have contacted the institution to resolve the matter by sending copies of bank statements reflecting payments being deducted from my account and issued to the institution on my behalf. The most recent interaction was on XX/XX/XXXX and again from my credit union to which i have received emails stating the institution is refusing to communicate with them. In XXXX and XXXX of XXXX multiple payments were issued and posted outside of the date they were received and I have multiple documents from my financial institution detailing such. The payments were posted to the account two and three weeks after received. 

When i make payments online I continue to receive alerts that my payments are not made when i have confirmation numbers and proof of funds being recieved.
Consumer complaint received 2017-09-06
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: STATE EMPLOYEES CREDIT UNION (NC)

State employee credit union. Was supposed to automatically take a payment of {$230.00} on XX/XX/XXXX they draft the payment for my car note before my check is even deposited into my account. I was notified earlier in the month of XX/XX/XXXX regarding a separate account that I had to make a payment on. I was not notified until XX/XX/XXXX regarding my car payment was late. So when the rep XXXX from the XXXX XXXX brands I advised him as to why I was being notified so late when someone from the credit union called me the first day my salary advance was 1 DAY PAST DUE. I advised XXXX there was no reason as to why a payment wasnt automatically drafted out of my account. There was enough money deposited into my checking account fro cover the payment. And the payment was deliberately not paid due to my recent complaints on the credit union my car was in a minor accident on XX/XX/XXXX which it has been at XXXX XXXX from that date till today. And each month I was making a car payment. I advised XXXX that I was not expecting a paycheck the end of XX/XX/XXXX and would have to make a double payment on XX/XX/XXXX. A few days ago I get a letter in the mail saying my car will be repossessed if a payment is not made in 10 days from the date given in XX/XX/XXXX. I have already sent this information over to my lawyer. The credit union is deliberately retaliating at me because of my numerous complaints. XXXX could not give me any reasonable explanation as to why a payment wasnt made. From the time Ive had that car til now all of my payments has been automatically drafted from my checkings account. I demand answers as to why a payment wasnt drafted out and why was I notified 7 days before the end of XX/XX/XXXX. Why  wasnt I notified when the payment was 5 days past due?
Consumer complaint received 2015-09-29
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (CA)

I found out I have a Judgement on my record. After looking into it and verifying this was mine I contacted Chase and followed the steps they told me I needed to follow to remove the Judgement. I settled and paid the agreed amount. Faxed them the paperwork they asked for and they said it would take up to 3 months to process and have it removed. That was about 5 months ago. I have contacted them twice and they said they would mail me the paperwork. I verified my mailing address both times and have yet to receive anything from them. How should I proceed?
Consumer complaint received 2022-02-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MI)

My actual issue is with a debt buyer who after three rounds of letters have refused to validate their ownership of my debt and provide proof of my contract with them to pay. They are also reporting on one of the credit bureaus that I have a late payment of 120 days ( EQ ). This is false and inaccurate information and I request that the below mentioned account be removed from all three of the credit bureaus. 

Midland Credit Account # XXXX
Consumer complaint received 2021-06-13
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. (NY)

This is truly a misrepresentation of the law. Im just confused and feel abused by unethical procedures that are taken place. My kids can be homless because of the fraud. I have studied the regulations committed to protect the consumers from fraud and any inaccurate information on there credit report.

You are validating information that cant be validated unless if all parties in the matter are interviewed and giving a statement. The person who in fact stole my identity cant be interviewed because we do not know who it is. You are reasonably justifying these accounts but thats impossible because these accounts arent mine. According to FCRA 15 U.S. Code 1681c-2 Block of information resulting from identity theft within 4 days. I have submitted all the documents required according to the FCRA to have all accounts removed. This is completely wrong. I am a victim of identity theft. The data funishers can not say that these are my accounts. The information was stolen so you are validating accounts that shouldnt be on my report. You have 4 days in receipt to remove these accounts. Protect me from this fraud I am a victim. I am uploading all factual documents again. Thank you in Advance.
Consumer complaint received 2022-02-27
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. (NJ)

I applied for a credit card from my bank. My partner co-signed. His credit score is much higher than mine. Mine is about a 698. We were both denied because one of the credit reporting agencies has a record saying that I filed bankruptcy. I didn't file for bankruptcy. I believe there was an action of consideration to file for bankruptcy to buy time on a legal matter dealing with my home. The legal matter has since been completely resolved. But, never at any point did I actually file for bankruptcy. I was denied a credit card based on this erroneous data.
Consumer complaint received 2022-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (IL)

In 2018 I received an invoice from Jefferson Capital for {$1100.00}. This invoice has no explanation or statement. I tried for 3 years to get what this bill was in reference. Jefferson finally sent the original invoice. It's for XXXX. 
My name is misspelled on the invoice and its from an address I do not live. I am currently a XXXX customer in good standing under my real name and correct address.
Consumer complaint received 2018-12-30
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

Disputed an account to Equifax on XXXX XXXX, which belong to Ex-Husband and asked that it be removed as I had no financial responsibility on his account. Account remains verified as authorized user on my credit file. I would like it to be removed.
Consumer complaint received 2022-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CA)

had insurance policy with the XXXX XXXX last year, policy was cancelled by said group, due to late payment incurred through using personal financial institution payment option. informed, said group of such action, which response was that there were no options available, other that the policy would be cancelled. this then was progressed into an attachment to my personal consumer credit report as a debt collection, list as non-payment of a remaining balance for a product i would not have the access to use, once this was settled. that is ludicrous.
Consumer complaint received 2022-02-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (NY)

Chase Bank-my checking account - {$750.00} was stolen ( a check washed ). I reported to Chase Wednesday nightXXXX XXXX. At XX/XX/25, my money still has not been returned to me. They have been giving me the run-around. Gave me several different dates of claim approval and, money to be in my account. Now they say by XXXX. This is unacceptable. It is my money and I have not paid my rent. It was part of my SS check.!.
Consumer complaint received 2022-03-23
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 — Problem with personal statement of dispute
Company: U.S. BANCORP (CA)

This is my 4th letter regarding an investigation on my credit report which caused severe XXXX upon me and found unverifiable, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S Code 1681e ( b ) ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( a ) in general, after reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate and incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of the verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

15 U.S Code 1681 ( 5 ) Removal of inaccurate credit information XXXX XXXX XXXX Account Number : XXXX I demand you to delete this item asap
Consumer complaint received 2023-06-08
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. (CA)

I have been a victim of identity theft ; Im writing to you to inform you that someone stole my information and opened a credit card under my name. Im requesting you to remove the account from my credit report ASAP. This is a fraudulent account in my credit report. Here are the details. 

XXXX XXXX XXXX XXXX XXXXXX/XX/2022 2022