davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-30
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. (IL)

1. The lender (   XXXX   XXXX   ) re ceives notice from  XXXX  Police Department that my vehicle is being held in the impo und.   (  XX/XX/XXXX  ) 2. The l ender ( via supervisor  XXXX   XXXX   )  informed me that  XXXX  had taken possession of the vehicle and that it would not be returned to me per our agreement and default ( " DEFAULT. You will be in default and we may terminate this contract early  if ... ( e ) the ve hicle is seized by any local, state, or federal government or authority.  '' (    XX/XX/XXXX  ) 3.   Repo ssession agenc y (   XXXX   XXXX , state license  XXXX   )  sent letter to me notifying me of " my right to retrieve my personal effects or other propert y. '  ' (  XX/XX/XXXX  ) 4. Lender sent me " Notice After Repossession. '' (  XX/XX/XXXX  ) 5. Lender sent me a " Notice of Right to Recover Vehicle '' mentioning that the account was now CLOSED. The notice read " you do not have a right to reinstate the contract for the following reasons : you have not paid an amount equal to 30 % or more of the deferred payment price at the time of repossession. '' (  XX/XX/XXXX  ) Pulled c  r edit reports from the  XXXX  credit bureaus  (  XX/XX/XXXX  ) 6. Dis puted the accuracy from my auto lende r (  my   XXXX   XXXX   ) with each of the credit bureaus, requesting that the account with  XXXX  be closed, and that all negative remarks fr om  XX/XX/XXXX  to  XX/XX/XXXX  dele ted.    7.  Mailed and faxed supporting documentation for my dispute to the  XXXX  credit bureau s. (  XX/XX/XXXX  ) 8. Informed by credit bureaus that the inaccurate information would n't be deleted, and that they have no information from the lender to share with me. After talking to the supervisor, he refused to " continue to talk in circles with me regarding their legal obligation to report accurate information under federal law 15 USC 1681i ( Procedure in case of disputed accuracy ), and hung up while I was talking. (  XX/XX/XXXX  )
Consumer complaint received 2023-03-18
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. (IL)

XXXXXXXX XXXX extended me three months of forbearance on their own and also under the CARES Act of 2020, during the COVID-19 lockdowns, for XXXX, XXXX, and XXXX of 2020. Even though they promised not to report this forbearance as delinquency, and even though their doing so is supposed to be illegal, they reported the payments as delinquent, negatively affecting my credit report and score. I made the proper request of XXXX. Ive tried to get them to fix this. I filed a dispute with Experian, but XXXX wont budge. This is illegal and immoral. They promised they would not do exactly this, and theyve been evil about it.
Consumer complaint received 2019-06-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (GA)

It is very sad and unfortunate that if you come into a hardship that you have to deal with a company who clearly doesnt care about it. I was laid off and unemployed for almost 5 months. We submitted a request for modification in order to keep our home and lower our mortgage payments due to the unfortunate situation however it has been a nightmare dealing with this company. I received a notification today stating my modification was denied. Why? because we didn't have enough income when we first started the modification, I was on unemployment which is clearly not near enough to raise a family but within the process I gained employment that was a huge pay cut. I submitted paystubs every week in regards to the new job but no one bothered to even check our documentation to see that this information has changed. If the documentation is not going to be checked then why submit it. Now our file has to be resubmitted and possibly take another 30 days, not acceptable.
Consumer complaint received 2019-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX SSN XXXX XXXX XXXX. I have been trying to file a dispute with Transunion Credit Reporting regarding hard inquiries on my report that I did not approve. They keep giving me the running around even after I contacted the creditors that pulled my credit report. The companies are XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX.
Consumer complaint received 2019-06-28
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. (OH)

My name is XXXX XXXX XXXX I live at XXXX XXXX  XXXX  XXXX XXXX OH XXXX. 
My DOB:XX/XX/XXXX my SS:XXXX XXXX XXXX XXXX is my only address please remove any other addresses from my credit report they are not accurate. I have a Late payment that is appearing on my account that is not accurate. I have never been late on any of my accounts. Not sure but I have also contacted XXXX XXXX to see about the issue as well My current and only employer is XXXX XXXX XXXX XXXX XXXX please remove any other employer.
Consumer complaint received 2019-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I have a few accounts in collections on 1 of my reports that I've been trying to dispute for about 6 months.. no luck with the disputes or the status.. I've never heard a word back from them ... 1 of my reports fixed the issue in less than 21 days.. 1 account was paid by insurance and was never late ever ... and the other account has a few issues.. wrong dates and payment history.. its affecting my scores and my life.. I need help fixing the problem.. thx
Consumer complaint received 2019-06-28
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 was a victim of identity theft and the company isn't recognizing that and asking me to pay them back in full. I have substantial proof that I didn't do it and I would be glad to send you that proof as well. And it's reflecting on my credit score as if I owe this when in fact I was a victim.
Consumer complaint received 2019-06-28
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUN LOAN COMPANY INC. (NV)

Sun loan in XXXX XXXX Nevada has reported on my credit as me having 4 accounts. I only took 1 loan. I am trying to repair my credit and they are rereporting I was told. This is unfair! I have disputed this and tried to settle but was told it would not be removed
Consumer complaint received 2018-04-25
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. (CT)

I have two fraudulent inquiries on my credit report from XXXX that they refuse to have removed every time I call them they say that they sent the paperwork to transunion ... I contact transunion and they say they can not remove it without a release from XXXX ... I was a victim of identity theft when a person from a computer opened a credit card in my name ... they removed the account but not the inquiry then a year later they ran my credit again when someone tried to repeat it again but they did not issue them a credit card the second time ..but there is two fraudulent inquires on my transunion credit report that XXXX will not remove ... but they say they send request to transunion ... but again the inquires are still there
Consumer complaint received 2019-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I have repeatedly contacted Portfolio Recovery Associates about a debt that they are claiming to belong to me. I have asked them to send me documents with my signature because the letters they are sending to my address does not have the correct spelling of my name. I believe they are reporting to the credit bureaus in error.
Consumer complaint received 2022-10-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every Experian, XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXXXXXX Date Opened XX/XX/2014 Balance {$0.00}.
Consumer complaint received 2023-03-18
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'm having this trouble since couple of years ago! Every time I see my credit report there's always an issue or i see many inquires that aren't mine.
Consumer complaint received 2019-06-28
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: WELLS FARGO & COMPANY (GA)

I am having a problem getting approved from any lenders because of this creditor reporting a charge off on my business when the debt was settled and agreed to be removed off my report because of me being caught in the middle of situation that I was not aware off by XXXX  business. Please remove this from report off my credit. It is not reporting accurately in my report ... Missing information by Wells Fargo business
Consumer complaint received 2023-03-18
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. (MA)

In review of my Experian Credit file I noticed that the credit reporting agency is allowing the same account to be reported as two different account types and other inaccurate information.

The account XXXX is first reported as a closed-charged/off account with a " date-opened '' date of XX/XX/XXXX and now it's showing as an opened account effective XX/XX/XXXX. The account type is reporting as a " debt buyer '' when this is the original creditor. The amount is different but it's one in the same account. 

Is the open account a " Collection? '' How can the account type change from " Credit Card '' to " Debt-Buyer? '' The account XXXX XXXX XXXX has a " Account Type '' as Collection. This has been disputed that this was a " Paid '' account only and not a collection. This is continuing to be reported inaccurately.
Consumer complaint received 2019-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

Due to my identity being compromised from the theft of my identification it has lead to disperacies and fraudulent accounts being abused via my credit file. I'm asking that these accounts be removed immediately and let my true credit worthiness reflect that change. Please remove these accounts 1 ) XXXX XXXX {$600.00} 2 ) XXXX XXXX {$140.00} If the credit reporting agencies can not provide me with physical documentation then these accounts shall be blocked immediately
Consumer complaint received 2022-12-14
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)

Starting on XX/XX/2022 " soft '' inquires started appearing on my Transunion credit report from XXXX. I do NOT have a relationship with XXXX and I have NOT authorized any of the DAILY inquires. I am a victim of identity theft, unauthorized activity started on or around XX/XX/2022. I have notified XXXX via the only communication portal they have ( XXXX ) and I have called Transunion to report the unauthorized DAILY soft inquiries, neither was helpful. 
" XXXX '' with XXXX told me the only solution to getting any fraudulent account that was created with XXXX would be for me to create an account ( provide my personal information to them ) then they could delete my account. I will include screenshots of the AI generated communication I have received. 

I am trying to alert the CFPB, the FTC, Transunion and XXXX that the daily unauthorized soft inquiries on my Transunion Account need to STOP and something needs to be done to investigate whomever has been doing this since XX/XX/2022.
Consumer complaint received 2021-04-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MO)

I am honestly not sure what the collection is for but a company is telling me I owe {$1600.00}. It started back around XXXX of 2020. I received numerous emails and letters in the mail since then asking for the collection. I do not recognize the company as someone I have done business with before. The collection is messing up my credit score, and also being an XXXX  that makes it hard for me to get loans to help start my business.
Consumer complaint received 2023-07-18
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-06-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (CA)

I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.
Consumer complaint received 2023-03-18
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. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative items that have been reported on my credit report. After reviewing my credit report, I have noticed several inaccuracies that I would like to address. 

Firstly, the account number XXXX with XXXX has been reported as late payment, but to the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. I request that you update this account and delete the inaccurate information immediately. 

Secondly, the account number XXXX  with XXXX XXXX XXXX is questionable as the name and number are unclear. I request that you clarify this information to me or delete this account immediately from my credit report. 

Lastly, the account number XXXX with XXXX XXXX is also questionable as the name and number are unclear. I request that you clarify this information to me or delete this account immediately from my credit report. 

I hope that you will investigate these items and take appropriate action to rectify the inaccuracies. Please inform me of any updates or progress made in this matter. Thank you for your attention to this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-04-25
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)

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX/XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ; XXXX/XXXX XXXX ; XXXX XXXX/XXXX  XXXX ; XXXXXXXX XXXX XXXX/XXXX XXXX ; XXXX XXXX
Consumer complaint received 2023-07-18
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: 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 inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any inquiries 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 inquiries which do not belong to me or were opened without my permission : EXPERIAN XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-12-14
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)

The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on items are DELETED from other bureaus and I have doubts about their accuracy the reported payment history on items are a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
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