davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-15
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. (CA)

Tried disputing items on my report because they are invalid and wont explain to me how they got to the amount. One of the accounts says XXXX  two times and the amount is outrageous. Plus an extremely high amount of inquiries. I believe my credit report needs to be validated and checked if they were given consent to report such items that are in fact inaccurate. when disputing items nothing was done.
Consumer complaint received 2020-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ECMC GROUP, INC. (PA)

XXXX XXXX XXXX XXXX XXXX, PA, XXXX SS # XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint XXXXand contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : ECMC {$8100.00}
Consumer complaint received 2020-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I AM STILL HAVING ISSUES WITH MY CREDIT FILE REFLECTING CURRENT AND ACCURATE INFORMATION. MY PROPER ADDRESS AND ONLY ADDRESS IS XXXX XXXX XXXX ,XXXX XXXX XXXX, XXXX Ohio XXXX. PLEASE REMOVE ANY AND ALL OTHER ADDRESSES FROM MY CREDIT FILE. I WAS A VICTIM OF FRAUD AND LIKE WOULD LIKE TO REMOVE ANY AND ALL ALERTS. SO I CAN CONDUCT BUSINESS AS USUAL. I HAVE REQUESTED THE REMOVAL SEVERAL TIME AND I STILL HAVE LENDERS TELLING ME I HAVE A FREEZE OR ALERT PLEASE, PLEASE PLEASE, REMOVE IT ASAP!!! THE FOLLOWING ADDRESSES ARE NOT MINE PLEASE DELETE/REMOVE : XXXX XXXX XXXX, XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX , XXXX OH XXXX There is a unverified account on my credit from a XXXX XXXX XXXX I XXXX please delete/remove this account this account I have never received any documents or papwerwork that was legally requested and never provided!! FCRA 609,611,623. I BELVIEVE IT TO BE A HIPPA ACT VIOLATION AS WELL.
Consumer complaint received 2020-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I AM STILL HAVING ISSUES WITH MY CREDIT FILE REFLECTING CURRENT AND ACCURATE INFORMATION. MY PROPER ADDRESS AND ONLY ADDRESS IS XXXX XXXX XXXX ,XXXX   XXXX XXXX, XXXX  Ohio XXXX. PLEASE REMOVE ANY AND ALL OTHER ADDRESSES FROM MY CREDIT FILE. I WAS A VICTIM OF FRAUD AND LIKE WOULD LIKE TO REMOVE ANY AND ALL ALERTS. SO I CAN CONDUCT BUSINESS AS USUAL. I HAVE REQUESTED THE REMOVAL SEVERAL TIME AND I STILL HAVE LENDERS TELLING ME I HAVE A FREEZE OR ALERT PLEASE, PLEASE PLEASE, REMOVE IT ASAP!!! THE FOLLOWING ADDRESSES ARE NOT MINE PLEASE DELETE/REMOVE : XXXX XXXX XXXX, XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX , XXXX OH XXXX There is a unverified account on my credit from a XXXX XXXX XXXX I XXXX please delete/remove this account this account I have never received any documents or papwerwork that was legally requested and never provided!! FCRA 609,611,623. I BELVIEVE IT TO BE A HIPPA ACT VIOLATION AS WELL.
Consumer complaint received 2020-02-15
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. (TX)

I paid off and closed my XXXX bank credit card account in XXXX of XXXX. I have not used it sine. This week, in XX/XX/XXXX, they reported that I was delinquent on an amount of {$6.00}. I can not log into my account, and they have not responded to me. In the meantime, a loan application I submitted was denied for the reason " You have a current delinquency showing on your credit report. '' For XXXX  : I would like to be put in contact with them, I would like an explanation as to why my 100 % perfect payment record across two dozen accounts is tarnished, and I would like the delinquency removed from my account. 

Best, XXXX
Consumer complaint received 2020-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (FL)

Citibank reduced the limit on my credit cards, capping them at the current balance, without letting me know in a timely manner. They did this based on erroneous information reported and being corrected by XXXX XXXX. By reducing the limit to the outstanding balance this further aggravated my credit score and history damaging my reputation. I tried having this fixed on the phone and was not assisted. This was done without first speaking or writing to me to inquire on whether this was error. 

Clearly they took this aggressive and action de to my XXXX last name. Very racist and unprofessional of Citibank.
Consumer complaint received 2023-12-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC (NJ)

Selene Finance was called XXXX XX/XX/XXXX @ XXXX Spoke to XXXX Who ensured me that Property Insurance for XXXX XXXX was being supplied by Selene. I stated to XXXX that I have been paying Insurance for the property, which is in my name since XXXX. Selene has verified my active insurance on the property 3 times. And I have received letter notice from my insurance company of their verification/ wanting to be added to my insurance. XXXX stated that there was no update in the system to remove insurance fees supplied by Selene. XXXX transferred me to Insurance Dept. I spoke to XXXX who asked to speak with XXXX XXXX. I stated to XXXX that XXXX XXXX is deceased and all her information has been in system going on 3 years now. XXXX stated there was no information in her system for XXXX XXXX that she would have to transfer me back to customer service to resubmit 2 years of information of XXXX XXXX. I got transferred back, was on hold for 10 minutes, then the call drops. 

I have an active HAF application pending. Selene is charging me foreclosure related fees that are affecting my eligibility for HAF funding while under HAF State Protection Law. Model Language prohibits Selene from proceeding with any foreclosure activity for 60days after receiving notice from the State when HAF Administers that I am conditionally eligible for HAF and have a pending application. 

Selene stated to HAF Underwriters that the reinstatement balance is {$76000.00} ( Attorney Fees included )
Consumer complaint received 2020-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My identity was stolen, I don't know how but checking my credit there since to be a number of accounts in my credit report that do not belong to me, most recently inquiries in my credit by XXXX  XXXX, and a XXXX 's card that was clone I did filled out a polices report but I don't have it right now, lead me to believe someone has been using my name to open accounts fraudulently without my knowledge, please remove the accounts listed from my credit.
Consumer complaint received 2020-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

My identity was stolen, I don't know how but checking my credit there since to be a number of accounts in my credit report that do not belong to me, most recently inquiries in my credit by XXXX  XXXX, and a XXXX 's card that was clone I did filled out a polices report but I don't have it right now, lead me to believe someone has been using my name to open accounts fraudulently without my knowledge, please remove the accounts listed from my credit.
Consumer complaint received 2020-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX, PA, XXXX SS # XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint XXXXand contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX  {$8100.00}
Consumer complaint received 2020-02-15
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: CARRINGTON MORTGAGE SERVICES, LLC (FL)

Carrington Mortgage services reported me late for XX/XX/2020. I sent the regular payment on time. They called that the payment had changed due to escrow changes. I paid the difference over the phone. A consumer can not be reported late due to escrow changes
Consumer complaint received 2020-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Innovis (GA)

My identity was stolen, I don't know how but checking my credit there since to be a number of accounts in my credit report that do not belong to me, most recently inquiries in my credit by XXXX XXXX, and a XXXX 's card that was clone I did filled out a polices report but I don't have it right now, lead me to believe someone has been using my name to open accounts fraudulently without my knowledge, please remove the accounts listed from my credit.
Consumer complaint received 2020-02-15
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. (CA)

I've requested to have information removed from the 3 collections accounts on my www.Experian.com credit report removed as they have all been paid off or keep appearing as they are over 10 years old. I asked for original contracts and was told that they can't give me that information. I've contacted the original lenders they want help. I've explained that I'm XXXX XXXX military of 16 years of service who is trying to buy a home and they still disregarded. I spoke with several employees of Experian and was told they are not allowed to share information. I asked how do they know the information is correct? Especially if the time elapse and the account should be removed. A company can sell the contract and the date starts all over again. Asking for the original contract is valid because it will show it was never mine as I never signed for the service. That's why they won't show me the original contract.
Consumer complaint received 2020-02-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

I owed a veterinary  balance on my XXXX account I couldn't pay in full on time. It was sold to MCM. After making multiple small one-time payments, I agreed to allow monthly payments from my bank account until paid in full. I paid down to XXXX, but a balance of {$130.00} still remained! Not only was my account not paid, but I added up all my payments to them and they OVERCHARGED ME {$81.00}! I immediately sent an email asking why the agreed upon amount did NOT settle my debt and to return the {$81.00} they took from me. I got a letter stating an investigation was initiated. FOUR MONTHS LATER I GOT A LETTER FROM DIVISION MANAGER, XXXX XXXX -- the account has been closed and I have no further obligation. That is great -- but where is my overpayment return??? I sent a letter to their customer support services in XXXX, MI and got no reply! Please help me demand they give my money back! I am XXXX with very limited income and I need every cent of {$81.00} they overcharged me and decided it is acceptable to keep! They deserve a much more severe punishment for their greediness!
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

On my credit report it has two addresses that I never lived at. I never lived at XXXX XXXX XXXX, XXXX, Florida XXXX and I never resided at an address that has an identification number XXXX on my Experian Credit Report and I want both addresses deleted from my credit report.
Consumer complaint received 2020-02-15
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. (CO)

For 11 months, I've been attempting to get Experian to correctly show an account which was paid in settlement. Additionally, I've had numerous problems submitting disputes and not getting issues resolved. 

Most recently, I've submitted now two disputes with Experian for a debt that was settled in XXXX of XXXX that as of XX/XX/XXXX, they began to report on my credit report was a " late payment '' This has harmed my ability to get credit and hurt my credit score. 

The account, a former XXXX XXXX credit card shows an open balance of over {$2900.00} which a debt collector, XXXX XXXX XXXX, acknowledged was settled last year. 

This has been brought to Experian 's attention numerous times with no corrected update made.
Consumer complaint received 2020-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

Equifax has failed to do a proper investigation regarding this fraudulent account that appears on my credit report. I have made Equifax aware of this alleged medical debt that does not belong to me numberous times. They continue to update my credit report stating that this account meets " FCRA requirements '' in an attempt to pretend like they are doing an investigation when all they are doing is updating the date and relying on the collection agencies false reporting. They are solely relying on the original source XXXX XXXX XXXX XXXX ) as verification that this account belongs to me. The address attached to this account is an address that does not belong to me ( see Attachments ) On XX/XX/2020 I filed a lawsuit against XXXX XXXX and XXXX XXXX XXXX. However Equifax has a duty to conduct a real investigation outside of the original source. As a result of Equifax Failure to conduct a real investigation, They have defamed my character by reporting an account that is not mine.
Consumer complaint received 2020-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc. (GA)

My identity was stolen, I don't know how but checking my credit there since to be a number of accounts in my credit report that do not belong to me, most recently inquiries in my credit by XXXX  XXXX, and a XXXX 's card that was clone I did filled out a polices report but I don't have it right now, lead me to believe someone has been using my name to open accounts fraudulently without my knowledge, please remove the accounts listed from my credit.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AZ)

I am trying ti contact Experian for a name update after having a court ordered legal name change. 

My credit is frozen and I can not talk to an actual person for the documents needed to submit it order to change the information on file.
Consumer complaint received 2021-11-17
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: ENCORE CAPITAL GROUP INC. (UNITED STATES MINOR OUTLYING ISLANDS)

I received an email that the collection of Midland Credit Management was removed on XX/XX/XXXX or around there on my XXXX XXXX is correct, but on my XXXX and XXXX is still showing Midland Credit Management is still on my report on those bureaus. I believe that's unfair and unjust to not remove all 3 bureaus not just one and still trying to collect and hurting my credit.
Consumer complaint received 2022-10-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (FL)

at XXXX on XX/XX/XXXX, I received a portion of my paycheck on my Chime banking account, as was typical for a tuesday night. at XXXX the same night, a merchant called XXXX XXXX XXXX ( likely named such in order to impersonate XXXX XXXX charged me for a total of {$120.00}, divided into 3 segments of {$60.00}, {$30.00} and {$31.00}. at the time of these transactions I was asleep at my home in XXXX, Florida while this merchant is located in XXXX XXXX, California, somewhere I have never been. the next day I called Chime to try to resolve the issue and they told me it was too soon to dispute the transaction because it was still pending. once the transaction cleared, I called again and filed the dispute. later that day, I received an email that my claim was denied. I was beside myself and exchanged several other emails with Chime to try to figure out what grounds they had to deny my refund. their evidence included the fact that I had previously attempted to dispute the same clearly fraudulent transaction ( very illogical ) and that it was no unusual spending velocity, which is simply untrue ( usually I buy a few things at a time, not spend my paycheck all on one thing ). 
Chimes response was that I can file a rebuttal, but in order to do so I would need to provide documentation that I didnt make the transaction. I have eye witness proof that I was at home that night, not spending money, but I dont see how it is possible for a document to exist which proves that I didnt approve any given transaction. there is no proof or history of me making a transfer, purchase, or transaction in any way similar to the one that occurred with the merchant XXXX XXXX XXXX.
Consumer complaint received 2020-02-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems (TX)

Midwest recovery systems has re-aged a debt that has past the statue of limitations and is failing to report the date of first delinquency ( DOFD ) properly. Instead they have reported it as new debt as of XX/XX/2020. I have already disputed it and they still fail to report it properly since it would show that the DOFD is well over the statue of limitations. And even the debt amount owed is false since the original debtor ( XXXX ) over charged me the loan and I refused to pay anything above the original agreement. But this was well over 6 years ago and has now showed up as new debt by Midwest recovery systems through the tactic of re-aging. Which sadly is done a lot by this firm from what I have read on-line.
Consumer complaint received 2019-08-04
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: WHEELS FINANCIAL GROUP, LLC. (CA)

I have these different company making wrong report on my credit. Most of these company I do not know and some are predatory. Example is the XXXX XXXX with account number XXXX {$840.00} this company I do not own anything. This company was a predator. I took them to court and I got a judgment in my favor and they still went ahead and make a report on my credit. 
Affirm I do not own them anything XXXX XXXX I do not know XXXX I own nothing. XXXX XXXX XXXX XXXX is with accounts XXXX {$11000.00} they are wrong
Consumer complaint received 2020-02-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OH)

We spoke to a phone representative from XXXX XXXX  which is a financial representative of XXXX XXXX on XX/XX/XXXX the bill was due on XX/XX/XXXX We asked to pay the balance in full for approximately {$100.00}. 
A week later we were assessed a service fee of approximately {$40.00} as balance was not pain the XXXX and then they charged approximately another {$40.00} service fee on the service fee.
Consumer complaint received 2022-02-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

XX/XX/2021 dispute regarding request to remove negative reporting missed payments on a XXXX business account auto loan, Disputes opened with XXXX, Experian, and XXXX. The payments were not late but were reported late by XXXX after a failure on their part to adjust the loan payment structure following covid 19 and account being affected by natural declared disaster. There has been no response from XXXX or the 3 credit agencies regarding this matter.