davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX company, continues to report to the credit bureas although the account I had with them is over 10 years old. the Account is to old to be on my report and it should be removed. I have filed numerous complaints. and it still shows up.
Consumer complaint received 2020-11-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (CA)

I applied for two loans with CrossCountry Mortgage.

Before the loans closed, I informed CrossCountry Mortgage in writing that the only correct address for all servicing communications with me was a specific post office box. 

After the loans closed, CrossCountry Mortgage sent mail addressed to me, to one of the two rental homes instead of the correct mailing address at the post office box. I again informed CrossCountry Mortgage in writing that the only correct address for all servicing communications with me was a specific post office box. 

After the loans closed, I received two payments coupons for the first month 's payment on the two loans, due XX/XX/2020. Both were mis-addressed and sent to the wrong address and only received by me because an anonymous postal employee took the time and effort to get the mis-addressed mail to me. 

I paid the first month 's payment and again informed CrossCountry Mortgage in writing of the only correct mailing address for me.

However, I did receive a telephone message purportedly from CrossCountry Mortgage telling me the servicing of my loan had been transferred and I should contact the new servicer. I have never received anything in the mail confirming the purported transfer of servicing, or from the purported new servicer. 

On XX/XX/2020, I received from ( apparently ) CrossCountry Mortgage, correctly addressed, an item of unsolicited junk mail inviting me to buy " mortgage protection coverage '' so contrary to the telephone message stating that CrossCountry was no longer servicing the loan, it appeared that CrossCountry Mortgage was still servicing the loan. 

I have since paid the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments to CrossCountry Mortgage, even though I have never received monthly statements or payment coupons from CrossCountry Mortgage. With each monthly payment, I have again informed CrossCountry Mortgage in writing of my only correct mailing address. 

On XX/XX/2020 I sent CrossCountry Mortgae a qualified written request regarding the issues ( above ). The qualified written request was mailed by certified mail and according to the post office, delivered to CrossCountry Mortgage on XX/XX/2020. 

" ( c ) Acknowledgment of receipt. Within five days ( excluding legal public holidays, Saturdays, and Sundays ) of a servicer receiving an information request from a borrower, the servicer shall provide to the borrower a written response acknowledging receipt of the information request. '' It has been three weeks since my qualified written request was delivered to CrossCountry Mortgage. I have yet to receive any response from CrossCountry Mortgage. It appears that CrossCountry Mortgage is ignoring all of my written communications.
Consumer complaint received 2018-04-07
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (AL)

Original letter of dispute sent certified mail to XXXX XXXX XXXX dated XX/XX/XXXX and signed for on XX/XX/XXXX. XXXX XXXX XXXX failed to notify all three credit bureaus to place a notice of dispute on my account within 30 days of my dispute. XXXX XXXX XXXX has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
Consumer complaint received 2022-10-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DE)

I recently rehabbed my student loans, and XXXX  XXXX XXXX transferred and updated my accounts with the new servicers. They removed all but 4, and left the 120 days delinquencies when they have removed all others. I had over 16 accounts, and when I disputed these accounts, they came back verified when they no longer exist.
Consumer complaint received 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: PENNYMAC LOAN SERVICES, LLC. (MN)

I missed my house pymt by accident. Its the first time in my XXXX years Ive ever missed a pymt. When I contacted Penny Mac to let them know I made a mistake in missing the pymt and wanted to take care of it. I paid both XXXX and XXXX pymts and had told them I have never missed paying my house payments. PennyMac reported it to the Credit card bureau that I missed a pymt. No one at PennyMac would talk to me about why they sent it. I have worked very hard to get my rating up to were it was before PennyMac ruined my credit score. I want my score reinstated back to wear it was.
Consumer complaint received 2019-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (VA)

XXXX XXXX XXXX every year attempts to collect money from me. 
XXXX XXXX XXXX/ I settled thru the Attorney General of Virginia on XX/XX/XXXX . 
They use I.C. System to collect this fictitious debt. 
I always contest the debt but they still try to collect.
Consumer complaint received 2018-04-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLD KEY CREDIT, INC. (FL)

i had gold key credit inc removed from my credit report they are lieng to the credit brues and saying i owe some type of medical debt. they where rude and biligerent when i talk to them and they have broken so much laws its not even funny. i would like them to remove them selfs from my credit report
Consumer complaint received 2024-03-04
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. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-10-16
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. (FL)

XXXXXXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$13000.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$2900.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$2300.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 


These accounts shouldnt be on my report and are reporting incorrectly i have sent validation letters to credit burear who has refused to reach back out so now im submitting complaint here ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION. -- ( A ) IN GENERAL. -- If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or 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 reinvestigation ; and
Consumer complaint received 2020-06-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2023-03-22
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. (PA)

XXXX XXXXXXXX XXXX no longer owns this account and it was sold to another agency. Therefore it can not be reported by XXXX XXXX XXXX and it should be deleted from my account because this company is no longer responsible and does not own the debt. 

As a result, the consumer bureaus have violated the law listed below. 

15 USC 1681e ( 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.

This law explains the Credit Reporting Agency must take steps to ensure that everything on my credit report is 100 % accurate.

Please provide information on the steps taken to prove the information is 100 % accurate.
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OK)

Everything that's on my credit b is false I have no credit the only thing wrong with my credit is is hospital fees and Some school debts and 2 bank accounts that I overdrafted.i have had 1 car rental repossession and that's it If needed I can produce evidence that I had no knowledge of any of the things I'm seeing on my credit report these are my ex girlfriends who used me and abused my kindness and have to stolen me. from me and have lied on me and drug my name thru the mud.they have had all these cars, clothes, houses and
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

There is no record of me ever living at this property at XXXX XXXX XXXX XXXX XXXX XXXX Texas, yet there is an eviction filed in my name and reporting to my renters history. The management company and the actual property has no record of me ever living there.
Consumer complaint received 2020-01-29
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)

I am a consumer in pursuant to 15 USC1692A3 Experian, XXXX, and is in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express written permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from Experian XXXX  nor XXXX  nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation.
Consumer complaint received 2020-10-12
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. (FL)

I want to report that in a trip back some years ago my document where loss, I didn't report the incident at the moment because I didn't know about the severity of this event, sometime after I realize that my identity was been use by someone who had opened account in my name, that's why I'd like to note this to try to correct this in my credit record. Please help.
Consumer complaint received 2021-06-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (AL)

My account is set up on their auto-pay system. I had a payment that was returned. I have already set up for the next payment to process and called and spoke with someone at Wells Fargo letting them know that I am aware of the return and I would be making the payment on my next due date. I received a bill in the mail that doesn't show a return payment ; just a fee for the returned payment. I have received phone calls from Wells Fargo four times a day since XX/XX/2021 for my missed payment. I have asked them to stop calling me and they will not stop.
Consumer complaint received 2018-04-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc. (CA)

First Reported XX/XX/2013 Original Creditor XXXX XXXX XXXX XXXX " MULTIPLE '' negative entries on my credit!!! I do not owe this. I want these multiple entries removed from my credit report!! I also want XXXX XXXX XXXX  reported to the XXXX XXXX XXXX  for this! Unethical business practice XXXX!! 

Thank you.
Consumer complaint received 2020-10-12
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. (TX)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. Item # 1 : I dispu
te XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item
that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items.

Thank you for your prompt attention in this matter. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2019-08-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC (OK)

Flagship credit what a joke lost my job asked for assistance was denied told repossession would not happen until 60-90 days out, now the problem I have is I have scheduled a payment which constitutes an arrangement everyone is beyond rude I am fed up with the treatment I am debating on bankruptcy due their treatment I should not have refinanced my loan with Flagship, XXXX never treated me this way.
Consumer complaint received 2021-09-08
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: TD BANK US HOLDING COMPANY (CA)

XX/XX/XXXX I received a email from my XXXX saying there was a credit inquiry. 

It was problematic because my XXXX account is frozen. I placed a freeze to prevent identity theft. 

When I called XXXX, they informed me that there are exemptions to the credit freeze, such as being in business with them because I have shopped there. I informed them I do not have any credit cards, and have never given them my information. How was it possible to inquire on my credit when there is a freeze and I was never contacted. to which they hung up on me. 

I would like this inquiry off my account as I did not do it, and I am still unaware of how anyone was able to inquire with my account being frozen.
Consumer complaint received 2019-08-26
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. (OR)

Between XX/XX/19 and XX/XX/19 my Transunion credit score dropped 40 points. I accessed my credit report at Transunion.com and found no negative information. During the online identity confirmation process, I was asked " How old is XXXX XXXX? '' I was asked " What city is associated with XXXX XXXX? '' I do not know these people. I filed a formal dispute in writing via snailmail to dispute the drop in my credit score, and the association of these strange people with my credit file. Transunion responded by sending me another copy of my credit report. My concerns were not addressed.
Consumer complaint received 2018-04-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (NY)

To Whom It May Concern : Be advised that this is not a refusal to pay, but notice that your claim is disputed and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding me to pay this debt. 



This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 



At this time, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to reflect on my credit reports by your company, I will not hesitate to bring legal action against your company for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 



I am sure your legal staff would agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
Consumer complaint received 2021-07-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PENTAGON FEDERAL CREDIT UNION (TX)

I received a welcome letter from PENFED notifying me that an account was opened. The letter had a member ID # as well as personal info such as my full name, SSN, Home address and date birth ... I immediately called the bank to report this as a fraud since I never opened any accounts with this bank. I was told that their security/fraud team will look into the matter and that as of now the process is frozen so no further action is needed and no one should be leveraging that account. A couple of days later I received a debit card from the bank! I called back to see what's going but the agent did not have any information in their system about my initial call and was not able to track my claim. As of now I'm not getting much assistance from their customer service. I'm not sure if this is a case of identity fraud or banks opening accounts without customer consent but I need some definite answers.
Consumer complaint received 2018-04-07
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. (MD)

There are two accounts that they say I owe a debt to XXXX XXXX.. I have sent out letters for validation on XX/XX/XXXX, they have not sent out valiadation on the two accounts that they say I owe. On XX/XX/XXXX I received a settlement offer in the mail under XXXX XXXX XXXX XXXX. sataing they are collecting on behalf of XXXX, XXXX. I was informed that XXXX XXXX. is not licensed to collect in Maryland. I have not received any validation on this matter as of yet.