davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-20
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. (AR)

I pulled my credit for the time in 8 years and I have many derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX  XXXX {$190.00} XXXX XXXX XXXX {$330.00} XXXX   XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$3300.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$76.00} US DEPT ED XXXX {$6900.00} DPT ED/XXXX XXXX {$6000.00} DPT ED/XXXX XXXX {$3500.00} DPT ED/ XXXX XXXX {$1700.00} DPT ED/XXXX XXXX {$0.00}
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-23
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 — Investigation took more than 30 days
Company: HYUNDAI CAPITAL AMERICA (CA)

Hyandai America financing company and I went under a lemon law case for my XXXX hyandai XXXX for technical issues with vehicle, where my car was paid off and I recovered a check. But days after I settled this lemon law case with hyandai, they put a charge back on my credit report. I have all the proof of this and disputed it and nothing changed. This is so unprofessional of them and I wont stop until this is solved.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Demand to comply with Consumer Notice of Identity Theft EXPERIAN has not complied with Fair Credit Reporting Act 15 USC 1681 c-2 for items identified to be a result of identity theft within 4 business days. SEE ATTACHED
Consumer complaint received 2021-06-15
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: BYL Collection Services (AL)

Upon review of my credit report, I noticed accounts that were not valid, these accounts were not opened by me. I have disputed these accounts on all three credit bureaus, as well as with the creditor. I am providing information on these disputes. I am demanding these accounts be blocked from my credit report, due to the fact that they are not valid and/or they are not caused by me. I have filed police reports as well as made countless attempts to reach the creditors, the matter has yet to be resolved.
Consumer complaint received 2019-10-13
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. (KY)

Trans Union, XXXX and XXXX and XXXX XXXX XXXX continue to report an account that should have been removed from my credit report. The scheduled deletion date was back in XXXX of XXXX. It still continues to report to all 3 credit bureaus. The date opened for this account was back in XXXX. This is a major violation that needs to be removed from my reports immediately.
Consumer complaint received 2017-03-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Convergent Resources, Inc. (FL)

CONVERGENT OUTSOURCING, INC. Has put an " open '' collections on my XXXX credit report. This is a OLD Collections account which was originally from XX/XX/XXXX and was and is a " REMOVED COLLECTION '' as of XX/XX/XXXX. 
XXXX XXXX XXXX {$530.00} this is the removal info on my credit report. now this company CONVERGENT OUTSOURCING, INC. has illegally changed the OPEN date on this same old account from XX/XX/XXXX to XX/XX/XXXX and last reported on XX/XX/XXXX. this is a debt buyer company and have SEVERAL Complaints against them.. they have " PARKED '' as they say this old Removed Collection account on my report. and its only showing on my XXXX report as I believe its harder to get items disputed removed. I just checked my full free credit report last week and this collection was not on there!
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have been on social security XXXX since XX/XX/XXXX I'm a victim of covert harassment and organized stalking since day one going on social security XXXX. Im followed everywhere By alleged neighbors, strangers etc Our corrupt government and the corrupt FBI agents have also made it look like I'm a victim of identity theft. They keep adding bogus information and bogus accounts. I have been documenting this for three years now I have XXXX and XXXX and was illegally implanted in XXXX with stentrode implants for XXXX You can XXXX it So they have done everything that they can to ruin my life in every way possible and I believe this is also part of their doing All my accounts are hacked All of my phone are tampered I have my Florida I.D . 
still even though I am living in XXXX Ohio Because that address is my mom 's address who I lived with for long time And still go there and receive mail there when I need to Now im having problems with capital one I have been a customer with them since XX/XX/XXXX And i have my XXXX bank account linked to pay my account. 

On XX/XX/XXXX i applied for another credit card with them i have been drastically trying to rebuild my credit, since its been destroyed. 
About week or two later i received letter from capital one requesting documents so they could continue processing my application. 
I then got the documents they asked for and went online, and faxed them. 

On XX/XX/XXXX Is, when i faxed the documents to capital one customer care team. To XXXX XXXX XXXX at XXXX XXXX  eastern 1 cover sheet 1 page attached documents Then faxed again XXXX XXXX  eastern XX/XX/XXXX Received email From capital one At XXXX XXXX  Saying congratulations Your approved for XXXX $ I received my credit card Activated it Linked it to my other capital one account and my XXXX bank account And then received letter saying they froze my account For concerns around potential fraud. 

I have faxed my documents again and, again They are saying they never received them Including the very 1st time i sent them So they can process my application So now im contacting you Like penfed But this time im not waiting 8 months
Consumer complaint received 2020-02-20
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. (MO)

On XX/XX/XXXX I sent the following information to Equifax. These XXXX loans were discharged due to total and permanent XXXX and I am not liable for them and they should have been removed. XXXX   removed them XX/XX/XXXX. I received a notice from my credit monitoring that Equifax removed the accounts but then they were reinserted back on to the report which should NOT have occured. This letter was sent along with proof of the discharge, proof of the other removal ( attached ) and has been sent multiple times over the last year and it seems like this request isn't even read and properly taken care of. This was the XX/XX/XXXX letter ( also attached ) ... 
These old closed accounts are duplicates and Im being reported for derogatory accounts that are no longer derogatory. These 8 original accounts reported by US DEPARTMENT OF EDUCATION account numbers of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX have been consolidated and duplicated into two new accounts reported as DEPARTMENT OF EDUCATION/XXXX/ account numbers XXXX and XXXX. These accounts have all been discharged due to total and permanent XXXX and need to be deleted. I have sent this information in for over a year and it appears that this has not been read and deleted as it should. I have sent the proof of discharge as well as the fact that XXXX has deleted all of these accounts for the same reason and needs to follow suit as these accounts are not liable to me and need to be deleted.
Consumer complaint received 2020-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Recoveries, Inc. (WI)

Reported it to credit bureaus only XXXX has removed them, sent court documents, hired attorney to stop garnishment unconditional release of garnishee was signed dated by plaintiffs attorney XXXX on XX/XX/XXXX, financial recoveries inc after unconditional release signed again is trying to illegally garnish my wages, they have falsified documents to XXXX and XXXX   saying this is a creditor who hired them when this is a small claims case for eviction back in XX/XX/XXXX, when I requested from them meaning financial recoveries how they got this they refused to say exactly how they got this, when asked to show documents if hired by the XXXX XXXX they hung up the phone, they have stolen from me over a {$1000.00} never reported it to the credit bureaus nor have they sent any money to the courts like they are to when it comes to any and all court order judgements
Consumer complaint received 2020-02-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Vericred Solutions LLC (FL)

A company called Vericred Solutions just reported a collection debt on my credit report. Prior to this account appearing on my credit report, I did not receive a notice of my right to dispute. This is a violation of my rights under the Fair Debt Collection Practices Act.
Consumer complaint received 2020-02-20
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. (MO)

On XX/XX/XXXX I sent the following information to Transunion. These XXXX loans were discharged due to total and permanent XXXX and I am not liable for them and they should have been removed. XXXX   removed them XX/XX/XXXX. XXXX removed last month on this same dispute however Transunion still sends back verified or updated. This letter was sent along with proof of the discharge, proof of the other removal ( attached ) and has been sent multiple times over the last year and it seems like thie request isn't even read and properly taken care of. This was the XX/XX/XXXX letter ( also attached ) ... 
These old closed accounts are duplicates and Im being reported for derogatory accounts that are no longer derogatory. These 8 original accounts are first reported by DEPT OF ED / XXXX account numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX and then also reported by US DEPT OF EDUCATION account numbers of XXXX , XXXX , XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX have been consolidated and duplicated into four new accounts first reported as DEPT OF ED / XXXX account numbers XXXX and XXXX and then also as DEPARTMENT OF EDUCATION/XXXX/XXXX account numbers XXXX and XXXX. These accounts have all been discharged due to total and permanent XXXX and need to be deleted. I have sent this information in for over a year and it appears that this has not been read and deleted as it should. I have sent the proof of discharge as well as the fact that XXXX has deleted all of these accounts for the same reason and needs to follow suit as these accounts are not liable to me and need to be deleted.
Consumer complaint received 2021-06-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

2020 XXXX applied for modification and was not given offer or agreement in writing. Told advocates assigned were not available and could not get offer in writing and no confirmation only trial payment not in writing of what trial payments were etc. told after trial payments would be offered same rate with 20years added to already 23 = 43 years at my rate which is higher then intrest rate of todays market. On agreed forbearance till XXXX, they then confused me needed agree to deferment for forbearance till XXXX. I XXXX  now trying to straighten out to keep forbearance till XXXX
Consumer complaint received 2021-06-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Some time ago I sent a letter regarding inaccurate and unknown things on my credit report.. To this day, well over two months later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60+ days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for a litigation due to stress you caused me. Due to my stay at home I found that my information was also impacted by Equifax data breach and may have gotten into the wrong person hands. I used this link below.

Equifax Breach Inquiry Link : https : //eligibility.equifaxbreachsettlement.com/en/eligibility
Consumer complaint received 2021-06-15
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. (NJ)

To whom it may concern, There has been some activity on my account that was never authorized by me that needs to be removed as it is fraud and never signed off by me. The following inquiries I have no knowledge of and explained to these companies and they should be removed from all credit reporting agencies. The following inquires are XXXX XXXX XXXX from XX/XX/2021 this 100 % i never went to there store and signed anything or applied anywhere.
Consumer complaint received 2021-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX XXXX NOT XXXX. I HAVE PAID FOR XXXX TO GET REMOVED. IVE SENT IN DOCUMENTS AND THEY ARE SENDING THE WRONG NAME TO MY CREDIT AGENCIES. IVE SENT THEM MY SOCIAL STATING CORRECT NAME AND SENT IN COURT DOCUMENTS AND STILL THEY ARE SENDING MY INFO WITHOUT MY PERMISSION AND REFUSES TO CHANGE AND REMOVE XXXX. THEY REFUSE TO LOOK AT MY DOCUMENTS AND KEEPING A FRAUD LAST NAME IS ILLEGAL AND SENDING MY INFORMATION TO OTHER CREDITORS UNDER A FALSE NAME IS ILLEGAL. IM SENDING MY ACCURATE DOCUMENTS 1 LAST TIME HERE. THEY REFUSE TO REMOVE XXXX
Consumer complaint received 2020-02-20
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. (CA)

I have a two-letter first name, XXXX XXXX XXXX. Experian 's credit report for me lists my used names as " XXXX XXXX '' and " XXXX XXXX ''. XXXX is not and has never been my first name ; it is my middle name. After several frustrating calls in which they claimed that this was the name being furnished to them by my accounts ( it isn't ), they finally admitted that " their system can't handle two-letter names ''. This is an invalid excuse for KNOWINGLY providing an inaccurate name on my credit report. Additionally, because of the name mismatch, they are not including some of my accounts that I know send data to Experian on my report, such as XXXX.
Consumer complaint received 2020-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (NM)

Experian has been authorizing 'Soft Inquiries ' on my account to sell my information to 3rd party lending companies despite being registered on the do-not-contact/opt-out permanent listing for the last two years. This is in direct violation of the FCRA. Experian offers no mechanism through their web site to dispute these 'Soft Inquiries ' and confirm your status on the permanent opt-out listing ( already confirmed with the two other credit reporting agencies ). However, Experian 's violation was confirmed through their online dispute process by showing the vast number of these 'Soft Inquiries ' that were actioned against my credit report.
Consumer complaint received 2020-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (TN)

XX/XX/2019 was contacted by Navient because my loans were out of wack. 

I have 3 loans, the lady continually said all 3 loans are covered and for XXXX a month we will take out two separate charges and all 3 loans will be in good standing ...

Fast forward 6 months and they say 1 loan has not be attended too and Im 3-4 months behind.. I asked about what I was previously told and was acted like I was a lair..

Finally a supervisor said she would review the call and get back to me a week later ... .no one ever called me back so I called and it was the same XXXX ... 

They reported to me credit and are claiming my loan will be in default when I have been lied too the entire time. 


They have constantly messed up my loans, changed the rates on them, and generally rude and abusive with their tactics ... its truly unfair and not right!
Consumer complaint received 2020-02-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY (OR)

American Express is repeatedly calling me for a debt owed by someone else. Over past 4 or 5 yrs they call my number asking for someone by the name of XXXX XXXX XXXX XXXX ( spelling phonetically ) is the debtor I keep asking them to stop calling they repeatedly tell me they are removing my number and they say they will but I just received a call from them 2 days ago. I am tired of being harassed for a debt that is not mine, nor do I have any information about this person.
Consumer complaint received 2015-08-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (OH)

Green Tree servicing. I accept that we have been frequently delinquent, we have XXXX children in college and finances are tight. I am currently late and spoke with Green Tree indicating payment will be made at next pay cycle ( XXXX XXXX 2015 XXXX for XXXX XXXX payment due. Grace period is 15 days. Green Tree told me they would not accept XXXX payment ( would return my check ) and that I would have to make XXXX payments or nothing. Instead of trying to work with me " a manager '' tried to discuss short selling my house.
Consumer complaint received 2020-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

I am attempting to sell the home that was granted to me through a will from my father. Over the past 2 months I have made several attempts to provide the information they need in order to discuss the loan and be provided with a pay off amount for the title company. I have hired an attorney, and I have had no luck communicating with this mortgage company. The home is under contract and set to close on XX/XX/XXXX. The title company and the law firm doing the closing have also requested payoff information and this bank refuses to provide us with the necessary information and amounts in which to pay off and satisfy this mortgage. This is a last resort in order to attempt to find a way to fully pay the debt that is owed on this house. 

Please note I have been working on this since XX/XX/XXXX. 

We have attempted to supply all information the bank has requested on multiple occasions and they refuse to confirm and/or acknowledge that they have received the information requested.
Consumer complaint received 2024-02-12
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: Experian Information Solutions Inc. (MA)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.