davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (GA)

I was in forbearance due to covid. It ended XX/XX/2022. I am in the process of applying for a modification. I have had to send the app twice. I called on XX/XX/XXXX to check on status and make a mortgage payment and was told i could not make a payment and that my house was already under foreclosure. I was not even late on a payment so to prevent me from paying my mortgage and placing me in foreclosure putting me in an even worse situation is unbelievable. Noone called to follow up like they said they would. It is now XXXX and my modification app is still pending. No idea when that will be done and noone has called to speak to me about it. I cant access my account online. There is no true system in place to help anyone. THEY WONT LET ME PAY MY MORTGAGE. I WAS NOT EVEN LATE YET. NOW I AM.
Consumer complaint received 2024-02-13
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. (NV)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and DELETION because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-04
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. (TN)

I was recently went to check out a new car at XXXX. After carefully consideration I was decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. I have contacted the FTC and police in my area. XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX. 
There are also several inquiries on here that ore not mine and needs to come off my report 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 AND 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 2019-05-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (CA)

I have called the company CONVERGENT OUTSOURCING, INC. which is debt collector for XXXX. I have disputed the bills on call XX/XX/XXXX ( XXXX XXXX ), they never sent me actual bills I owe to XXXX. 

They have 2 departments, Pre collection department said they have no infromation from XXXX or have not reported my account to Credit agency >> Call 1 ( XX/XX/XXXX XXXX XXXX Pre Collection ) : Agent 1 said the account was disputed by customer and sent back to XXXX. Has no reference of being sent back from XXXX. Then on my saying that my credit have been spoiled by your company, searches for the account and finds it in another department. Gives me number for another department. 

Call2 ( XX/XX/XXXX XXXX XXXX Post collection ) : Agent 2 said XXXX sent back account on XX/XX/XXXX and they called me several times.She says '' I picked up phone and said it was wrong number. '' Agent claimed she has no address of me on file. 

Truth : I never picked up the phone, Also CONVERGENT have sent letter to me on XX/XX/XXXX ( which means they have my address ). They are lying. They also reported the amount to credit agency without sending me any communication after disputing the bills.example ( Actual Bills from XXXX   )
Consumer complaint received 2022-12-03
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. (MA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MA XXXX XXXX XXXX XXXX : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX ) XXXX Balance : {$19000.00} XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Not all the information is correct on the three credit reporting agencies such as name, numbers, addresses, and debts. I try to contact the credit agencies through phone or websites and have trouble connecting with any of them.
Consumer complaint received 2021-09-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (TN)

On XX/XX/2021 I, consumer XXXX XXXX certified mailed Credit Acceptance CEO- XXXX XXXX an Affidavit of Truth along with a Cease and Desist letter informing them of the many violations against me. Credit Acceptance received each letter on XX/XX/2021. In the Affidavit of Truth letter I informed Credit Acceptance of the violations against me the consumer. Inside of my Cease and Desist letter, I informed Credit Acceptance that I'm now exercising my right of rescission, and I will retain possession of the property.

Pursuant to 15 USC 1635 : When and obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charges, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of recession, the creditor shall return to the obligor any money or property given as earnest money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. 

Within 20 days after receipt of this notice of rescission by federal law, you are required to return all money to me ( amount included in the Bill of Particulars ), and you shall take any action necessary to reflect the termination of any security interest created under our credit transaction.

Credit Acceptance did not disclose my right of rescission which is a violation of 15 USC 1635. Pursuant to 15 USC 1640, any creditor who fails to comply with any requirement imposed under section 1635 of this title, with respect to any person is liable to such person, ( 15 USC 1640 ( a ) ( 2 ) ( A ) ( i ) ) in the case of an action twice the amount of any finance charge in connection with the transaction Pursuant to 12 CFR 226.15 ( a ) and 12 CFR 226.15 ( d ) I've informed Credit Acceptance of their violations by certified mail delivered on XX/XX/2021.
Consumer complaint received 2024-02-13
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. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2022-12-03
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. (CA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX Balance : {$4600.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (SC)

On XX/XX/XXXX I checked my emails as I normally do each morning. At this time I read an alert from my credit monitoring service and was advised of a collection being placed at the credit reporting agencies by Diversified Consultants ( This may be the 2nd/3rd time I've reported this same agency to your bureau during the past 11 yrs ). This was in reference to a {$240.00} unpaid bill allegedly owed to XXXX XXXX in XXXX. That said, I've had this same item removed from my credit report on 3 different occasions during the past 11 yrs. Also, I'd received no correspondence from Diversified services nor XXXX XXXX  relating to this most recent attempt to collect this alleged debt prior to it being placed on my report. It mysteriously appeared out of nowhere. Placed a call to Diversified and was transferred to 3/4 different departments and voiced my displeasure of the tactic used by their company and was advised that they would " Make notes " of my complaint. In closing, I would like your assistance with having this unwarranted/derogatory remark removed from each credit reporting agency in which it was submitted. Thanking you in advance for your prompt and professional handling of this matter. 
Respectfully,
Consumer complaint received 2021-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

On or about XX/XX/XXXX I received notice from Experian that my available credit had decreased for my XXXX XXXX account ending in ... XXXX. A login and perusal of my Experian credit file revealed that my XXXX/XXXX  account reported the following information : Account type NA Responsibility : Individual Date opened : XX/XX/XXXX Status : NO STATUS. 
Status updated : XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment : NA Credit limit - Highest balance : {$0.00} Terms : NA Spoke to XXXX ( XXXX ) on XX/XX/XXXX who verified that none of that information was accurate and immediately reported the correct information to Experian, while I disputed the inaccurate information with Experian. On XX/XX/XXXX, Experian sent me an email saying the following : The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
A review of my report showed the same inaccurate so I contacted XXXX and spoke to XXXX. He verified my conversation with XXXX and suggested I call Experian at ( XXXX  ) XXXX-XXXX  which DOES NOT provide access to a live representative. XXXX confirmed that XXXX 's information reported to Experian on XX/XX/XXXX indicated a credit limit of {$5100.00} and an available balance of {$2700.00} with an account opening date of XX/XX/XXXX. Experian has a duty and responsibility to accurately report information supplied by a creditor and not a lie saying the verified the information. XXXX can be contacted at ( XXXX  ) XXXX-XXXX  to verify the information that should be reported by Experian.
Consumer complaint received 2019-10-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC (NJ)

Couple month ago i get this loan and it was paid and still is under payment on good standing.The company Mariner Finance they report wrong information 's such is collection this account and they dint want to fix the problem even the loan is still underpayment and good standing
Consumer complaint received 2022-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with Fair Credit Reporting act XXXX  Account # the companies below has violated my rights, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 u.s.c1681 section 602 A . States i have the right to privacy.

15 u.s.c1681 section 604 A. 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-10-07
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)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that are 100 % incorrect from Experian. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate
Consumer complaint received 2022-12-03
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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I filed a number of Disputes with all three of the Credit Reporting Agencies ( CRAs ), XXXX, XXXX XXXX XXXX, on XX/XX/2022. I subsequently received an Investigation Results from XXXX on XX/XX/2022. Then on XX/XX/2022, Cap One sent me an unsolicited Notice requesting me to provide " additional information '', and dated XX/XX/2022. 

I then sent a Direct Dispute to Cap One on XX/XX/2022, along with 5 pages of supporting documentation, concerning the specific account, # XXXX. Requiring Cap One to Validate & Verify the Information they are reporting in my name. Cap One subsequently failed/refused to Reply to that Direct Dispute. I then sent a Demand Letter to Cap One and dated XX/XX/2022. Which again Cap One has failed/refused to Reply to.
Consumer complaint received 2022-10-07
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. (WI)

XXXX XXXX reported my payments delinquent however they are in violation of my rights as I never provided this company permission to report our transaction to the credit bureau which is a data mining company whos inaccurate information is effecting my life and enabling me from purchasing a home for my growing family. As remedy I am requesting you remove ALL NEGATIVE reporting from all 3 credit bureaus and report my balance as XXXX, as your company has already written this off of your ledger and your insurance company has made you whole.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.
Consumer complaint received 2022-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XXXX XXXX reported my payments delinquent however they are in violation of my rights as I never provided this company permission to report our transaction to the credit bureau which is a data mining company whos inaccurate information is effecting my life and enabling me from purchasing a home for my growing family. As remedy I am requesting you remove ALL NEGATIVE reporting from all XXXX credit bureaus and report my balance as XXXX, as your company has already written this off of your ledger and your insurance company has made you whole.
Consumer complaint received 2021-09-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital one called me an initiated a fraud investigation about a loan that was deposited into my account via the SBA that I was approved for forgiveness for. They proceeded to ask me for documents in regards to my XXXX Tax Paperwork which was not used to obtain the loan, my XXXX paperwork was. I find this to be discriminatory as a friend of mine whom is also a business owner and banks with capital one was not subjected to anything.
Consumer complaint received 2022-12-02
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: EQUIFAX, INC. (NY)

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I try to buy a concert ticket from a person her name XXXX XXXX, Her e-mail address : XXXX, I sent her $ XXXX on XXXX XXXX 2023. She told me she will send me the ticket via on line, but I never received it and she blocked me at the chat and disconnected her phone.
Consumer complaint received 2021-09-25
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. (GA)

I contacted Transunion on XX/XX/21 to inform them that XXXX & XXXX XXXX XXXX XXXX has never contacted orrepolied to me about the validation ofsoclled debt. 

Transunion told me on the phone that the debt was verified by XXXX & XXXX XXXX to them. I explained to them that I personnally requested Validation of the Debt by Certified/Return signature. So, they said they would investigate. But they did NOTHING!! 

After numerous calls to Transunion about the wrongful VALIDATION of my RIGHTS. I am now seeking legal assistance against Transunion.
Consumer complaint received 2022-02-20
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: Experian Information Solutions Inc. (MI)

I XXXX XXXX, natural person and consumer have been a victim of unfair practices by consumer reporting agencies as they are reporting information that is not validated on my consumer report. This has caused me mental anguish, embarrassment and has been a defamation of character.