davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME 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  THESE EMPLOYERS DO NOT BELONG ON MY PROFILE EMPLOYER : INTERVAL INTERNATIONAL/PROFESSIONAL/ THIS NOTICE SHOULD NOT BE ON MY CREDIT REPORT ; ATTACHED IS MY SSN GIVEN BY THE GOVERNEMNT The issue date of the Social Security number that you gave us when you contacted us is not verified by the Social Security Administration.

Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

I sent certified letters to all three credit bureaus requesting an investigation and deletion of the XXXX XXXX  XXXX from My credit reports. I am facing an extreme hardship and this account is effecting my credit negatively I have been denied credit and Loans for House purchases. I sent all the proof they need to have this deleted and they all have violated the FCRA laws, which are in place to protect consumers. The credit bureaus have a responsibility to report accurately and to respond to disputes in a timely manner. 
And they have ignored me.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

XXXX refuses to remove my MIP insurance without me paying XXXX dollars. I have made significant modifications to my property, and I should not have to pay them to have a 3rd party come to my home to verify those changes. If thats how they want to conduct business, then thats on them, not me!!!! 

Furthermore, the company has mismanaged my Escrow account so bad, they are trying to raise my home payment from XXXX to XXXX. So almost an increase of XXXX a month. This is a scam!!!! I can not and will not pay them an extra XXXX dollars a month. We agreed to the payment I have now, and it will NOT go up. I will not be priced out of my home. I will sue everyone involved if the government thinks this is going to keep happening.
Consumer complaint received 2021-07-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (AZ)

XX/XX/XXXX A collection account appeared on my credit report. I immediately reported to the credit bureaus as NOT MINE. None of them have taken it off as they have reported to me that Capital Accounts ( the collections agency ) has verified the account IS MINE. 

The account dates back to XXXX for office visits to a dentist in XXXX, CA which was not me. I contacted Capital Accounts asking for documentation to verify it was my account. They sent me a generic statement showing many charges for dental work. The statement showed no names, no address, no social security number, no credit card numbers and no insurance company names or account numbers. I asked Capital accounts for all this info and they stated they could not give it to me for privacy reasons. I stated if it's my account it would be my information so there would be no privacy violations. They still would not offer me the requested info and the balance on the collection account continues to rise. I informed them according to California Fair Credit Reporting Act the account is TIME BARRED for any collections and to remove it from my credit bureau. They still would not. 

I made several attempts to contact XXXX XXXX by phone ( leaving messages even as a new client ) with NO RESPONSE. I sent them a request by certified mail for documentation to verify the account as valid and it was not received. I believe the company is out of business. I believe the collection agency is doing an illegal " Money Grab '' hoping I will pay. 

Any suggestion on how to remove this collection account? 

Regards, XXXX
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

There are XXXX companies in which I never had accounts with reporting information on my credit report. I contacted the credit reporting agencies via phone to let them know and was told to contact these companies. 

I attempted to send a notification to this company and let them know of this inaccurate information but when I went to the USPS to send certified mail I was informed that these addresses can not be found in order to be delivered. These addresses are reporting on my credit report and they are not real addresses and I want this information removed immediately.
Consumer complaint received 2023-08-11
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. (MD)

Experian has been reporting the following account that XXXX XXXX XXXX XXXX is providing falsely XXXX XXXX XXXX XXXX has the following account as Charge-Off account {$29000.00}. This information is false all charge off accounts are filed with the IRS 1099 C as income not debt. Income does is not included on a consumer report. Also sharing any personal information and transactions without written consent from me the consumer is a violation of my rights unless the information is shared through an affiliate. Experian is not an affiliate of XXXX XXXX XXXX XXXX. 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Consumer complaint received 2018-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I pulled my credit Report this morning, and there are several inquiries that do not belong to me. Please remove these unauthorized inquiries from my report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX TRANSUNION XXXX-Inquiry : XX/XX/XXXX XXXX   XXXX-Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXInquiry :  XXXX XXXX, XXXX XXXX XXXX  DBA XXXXInquiry : XXXX XXXX, XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX - XXXXInquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX - XXXX XXXXInquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX-Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (SC)

There are XXXX companies in which I never had accounts with reporting information on my credit report. I contacted the credit reporting agencies via phone to let them know and was told to contact these companies. 

I attempted to send a notification to this company and let them know of this inaccurate information but when I went to the USPS to send certified mail I was informed that these addresses can not be found in order to be delivered. These addresses are reporting on my credit report and they are not real addresses and I want this information removed immediately.
Consumer complaint received 2022-04-26
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. (WA)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1881 Section 604 A Section 2 : I1 also states e consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681C. ( ) ( 5 ) Section States : no consumer reporting agency may make e consumer report containing any of the following items of information Any other adv Item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

Inquires : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account : Account Number XXXX
Consumer complaint received 2021-03-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Applied Data Finance, LLC (KY)

This company stopped applying any percentage of my monthly payments to my principle balance, all of these payments ( 8 months worth ) went all to interest payments. the first 3 months of this loan went as agreed, then the principle payments stopped. The last 3 payments I have made have had them resuming principle payments.
Consumer complaint received 2018-12-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OK)

For 4 of the last 6 years with Navient my loans have been on deferments and forbidance. Not once was I offered an income based repayment plan instead. I have lost years of eligible payment time.
Consumer complaint received 2021-07-20
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: LEXISNEXIS (MS)

Lexis Nexis claims they cant send me my results due to not being able to verify my identity. This is my second attempt to verify my identity. I would like for them to immediately send their method of Verification on how they verified the inaccurate reporting of bankruptcy
Consumer complaint received 2021-07-20
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: EQUIFAX, INC. (TX)

please remove all the information FCRA violations : See ATTACHMENTS : XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family MR- XXXX XXXX XXXX XXXX XXXX TX , TX XXXX Resident type - XXXX XXXX XXXX XXXX XXXX , TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX , TX XXXX Resident type Apartment complex XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$610.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$13000.00} written off. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$10000.00} Status Account charged off. {$9600.00} written off. {$3300.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5300.00} Status Account charged off. {$4900.00} written off. {$1700.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$8000.00} Status Account charged off. {$7800.00} written off. {$4800.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$1800.00} Status Collection account. {$1800.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$780.00} Status Collection account. {$780.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

XXXX XXXX XXXX XXXX has failed to provide copies of ( 2 ) original documents ( a consumer contract with my signature ) according to the law, Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) from XXXX XXXX XXXX after numerous written requests and phone calls.
Consumer complaint received 2019-09-16
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: Experian Information Solutions Inc. (FL)

THE FOLLOWING NEGATIVE ACCOUNTS ARE REPORTING NEGATIVELY ON MY CREDIT REPORT : DEPT OF ED / XXXX - XXXX, ALL THREE OF THESE NEGATIVE ACCOUNTS ARE REPORTING 120- DAYS LATE. PLEASE REMOVE THESE ACCOUNT AS FOR THE FACT THAT THEY ARE OLDER ACCOUNTS FROM 2014, NO CHANGES HAVE BEEN MADE, THEREFORE, I NEED TO FIND THE REASON WHY THIS IS HAPPENING TO ME? I NEED REASON 'S SO WHY IMMEDIATELY.
Consumer complaint received 2019-09-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (MI)

Midland Funding, LLC representing XXXX XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such as ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2017 amt {$3100.00} XXXX XXXX XXXX
Consumer complaint received 2019-09-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (LA)

On XX/XX/2019, I received a letter confirming the intent of Rushmore LM to provide me with a repayment plan agreement. The first installment was a down payment of {$2000.00} due on XX/XX/19. ( Incidentally, I did make this payment as per terms. ) Nontheless, the mortgagor 's attorney and forwarded a Notice of Seizure to the Sheriff 's Office, mandating the sale of my primary residence, breaching our agreement. I was served on XX/XX/19.

I contacted the attorney and mortgagor, but a cancellation of this notice remains on-hand by the sheriff, who will not release this order. I request a full cancellation given that the foreclosure process was taken to additional steps while I was in agreement.

This began after I successfully completed a Trial Modification and was allowed to begin an initial payment plan. The plan offered ( in XX/XX/2019 ) included a Petition of Foreclosure and Sheriff fees at a time when nothing had been filed ( or was in the process of filing ) with the Court. I asked that these fees be re-evaluated given that these legal actions were not taken and fees had not been incurred. Rushmore continued to accept my regular full payment amounts, sent me another Trial Modification package to complete, and then proceeded to file the petition with 10 days of sending the Modification information. I was 101 days past due and making payments at that time. I have faxed my request for re-assessment, and even though I have proof of transmittal, the refuse to acknowledge my request.

The lender has repeatedly refused
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I received a copy of my credit report and noticed that Equifax and XXXX are both showing a duplicate account with XXXX XXXX account number is different on the report but it's the same account reporting twice. Both are showing opened the same month/year, the same amount for high balance and that they were both sold to XXXX. The account number XXXX the other one they are listing with the exact same information is wrong. It has been disputed several times and it still reports!
Consumer complaint received 2019-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Arkansas, XXXX TransUnion Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX To TransUnion Dispute Department This non qualifying inquiry is reporting on TransUnion. None of which are including a Firm line of credit, result of insurance, result of employment request, apartment application, nor court ordered by this creditor. Therefore this inquiry is inaccurate. Which is a Fcra violation for deletion within " 30 days ''. Im specifically requesting deletions for the following Inquiry on my Credit Report below. 

Delete XXXX XXXX XXXX XXXX  XX/XX/XXXX because it is a non quailing inquiry. It is not reporting with a firm line of credit attached, apartment application, employer request, insurance, nor court ordered by this creditor. Delete it Immediately! 

I take this matter very seriously, I completely understand my rights under the FCRA and that in Cushman v TransUnion ''. The courts merely said that The Credit Bureaus Can Not pair information from the Creditors and Collectors. They have to do and conduct a reasonable investigation on their own. Which means that they cant just use the XXXX XXXX because its not considered reasonable. They can not just say that we went to the Creditor and/or Collectors and got this information and they just say that its verified and we can say that its verified. No! 

I do trust that this matter will be handled amicably. And please send me another credit report afterwards. Thanks!
Consumer complaint received 2018-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I received a check from my job on XX/XX/XXXX, and the teller refused to cash it. She said it was from XXXX  XXXX XXXX and she could not cash it. She said if I took it to XXXX XXXX XXXX which is directly next door to Citizens Bank I could cash it for free. I was charged {$8.00} fee because I do not have an account with XXXX  XXXX XXXX. The teller at Citizens could have cashed my check, I have direct deposit with my work checks every 2 weeks. This is another example of how the tellers at this bank go out of their way to cause me fees.