davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-20
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. (KY)

My student loans used to be with XXXX XXXX, then was transferred to XXXX. XXXX discharged my student loans due to my disability. I tried to get the 3 credit bureu 's to fix my student loan 's on them to show closed or paid off. I even uploaded and mailed in proof of the discharge to all three, XXXX XXXX doesn't exist anymore, all their phones are disconnected, i have disputed to all three credit bureau 's at least 7 or 8 times and each time they keep saying that the investigation shows the information is accurate. How can it be accurate when they can't contact fedloan, two, i uploaded and mailed in proof of my loans being discharged. Why aren't they going by proof mailed to me from XXXX themselves showing that each loan was discharged. If you google XXXX XXXX, this is what you get : XXXX XXXX, a company that collected and tracked federal student loan payments, is no longer active. Its government contract expired in XXXX XXXX, and all loans in the XXXX portfolio have been transferred to other servicers. So being that they are no longer active, they were sent to XXXX in my case, in which nelnet discharged mine due to my disability. Why is it so hard to get the 3 credit bureau 's to actually fix my student loans on my credit reports, I mean evidence shows that it should show paid off, as well as XXXX said they should show paid of as well.
Consumer complaint received 2018-06-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SIERRA PACIFIC MORTGAGE (IL)

On XX/XX/XXXX, I formally requested removal of PMI for my mortgage stating that Ive reached 80.0 % LTV. My mortgage is held by Sierra Pacific Mortgage and serviced by XXXX. 

On XX/XX/XXXX, I received a letter from Sierra Pacific Mortgage stating some conditions for PMI removal. Among those conditions were that a ) for primary residences loans, less than 5 years old require LTV of 75 % and b ) for multi-family residences the required LTV is 70 %.  They also stated I would have to pay for an appraisal. 

My mortgage disclosures from Sierra Pacific at the time of my mortgage closing very specifically state that my required LTV is 80 %, at which time I can request PMI be removed. The Sierra Pacific Mortgage website for my loan also states this 80 % LTV. 

At no point prior to receiving their letter was any 70 % or 75 % LTV requirement mentioned. 

I called Sierra Pacific repeatedly to address this issue. I talked the front line support about this and they would not put me in touch with the PMI department. They told me my PMI cancellation request was denied and that I needed a mortgage balance of {$440000.00} ( 70 % ) LTV to remove PMI ( my property is a two flat ). 

At this point I escalated the issue to a supervisor ( XX/XX/XXXX ). I was transferred to XXXX XXXX. He told me that he would reach out to the PMI department and get me more information in 3-5 days. I called XXXX XXXX on his direct line ( XXXX ) and left him message on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. He did not answer or return any of my calls. 

At this point Ive hit a dead end. I cant get in touch with any one helpful to remove my PMI and Im continuing to pay it despite hitting my requisite loan to value.
Consumer complaint received 2019-05-27
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. (CA)

There is no sufficient information to support your claim..The payment here is sent in advance so I don't understand why this is a past due..Please fix this for me..XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2018-02-22
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. (FL)

This is my second attempt to reach out to your company. It has been 90 days since Ive received any response from your company. I have attached a letter and I would like for you to perform an internal investigation and remove the erroneous accounts you have listed on my report. I have attached an FTC report. I am allowing 5 days for your company to remove the erroneous accounts off my report permanently. I have record that this is my second attempt.
Consumer complaint received 2017-01-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I disputed a balance with XXXX XXXX XXXX XXXX for a auto loan in the amt of {$27000.00} thats being reported on my credit report. i received a notification that the dispute was completed. after reviewing the results and viewing nothing had changed i contacted transunion and spoke to XXXX i explained to her the information was being reported incorrectly and i wanted it corrected, she informed me that a credit report was being mailed out. i explained the information i received had today 's date but still was incorrect. she hung up on me and i think that is RUDE!!!! i called back to speak to a supervisor i got her on the phone she claimed she was a supervisor i asked her for her last name she stated it is Page. I do n't believe her but some research needs to take place this is totally unacceptable she need to be reprimanded. i want this issue resolved ... my file number is XXXX please expedite this matter as quickly as possible. thanks
Consumer complaint received 2024-04-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Prince Parker & Associates (IL)

On XX/XX/year>, I call Prince Parker and Assoc and I paid the debt owed in full. That same day I was told I will receive an payment comformation letter in 24-48 hours. I didnt get anything. I called back about 3 days later, they again said we will submit a request and get it to you in 24-48 hours. I didnt receive any again. I also disputed this collection account through XXXX 5 times all which was completed without change. I called Prince Parker and Assoc again Monday and they again said the samething. So basically they are not accurately reporting to XXXX this is paid so they can remove it and they refuse to send my payment confirmation so I can provide proof to XXXX to get this account removed. Please help. I am trying to buy a house.
Consumer complaint received 2023-03-20
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: Experian Information Solutions Inc. (CA)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-03-14
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. (NY)

Letter sent XX/XX/2022 a formal complaint to Experian XXXX and XXXX for Violating my Federally Protected Rights as a consumer ; received no response. Sent a follow up letter XX/XX/2022 demanding them to comply to their policies with verifying accounts within 30 days; received no response.
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I have filed multiple disputes with XXXX XXXX and experian about this bankruptcy that has been showing on my report for I'm not sure how long. I have notified them over and over about this docket and they keep telling g me to contact XXXX a company that is reporting information to them. I called XXXX XXXX in XX/XX/2020 to request a report and once I received the report I saw the bankruptcy and immediately disputed the information. They sent me a correspondence stating the bankruptcy is some how " verified '' so I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ). Which states that : a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I have not recieved any corresponding information from XXXX to determine the validity of this alleged bankruptcy on my file. I have already been notified of my mixed file by the 3 bureaus and XXXX refuse to remove this inaccurate information in my file. Also, Experian, XXXX XXXX, and XXXX XXXX are in violation of fcra 616, 617 and 611 ( a ) ( 6 ) ( B ( iii )  refusing to reasonably investigate and refusing to remove this unverified inaccurate information from my file.
Consumer complaint received 2023-03-20
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. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove this fraudulent accounts in my file ASAP : XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX  XXXX XXXX XXXX Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$120.00}, XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and
Consumer complaint received 2023-03-20
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: Experian Information Solutions Inc. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This complaint is my follow-up to my earlier complaint to verify the accounts.
Consumer complaint received 2023-05-07
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. (TX)

I paid a loan back in XX/XX/XXXX never been late Also I have proof where it says that my account was paid in full and also receipts never late XX/XX/XXXX guarante loan report my account with late payment Which already my account was close my credit score drops XXXX points My loan amount XXXX $ Was open XX/XX/XXXX  My 3 credit bureau need to be update soon is posible Im in process to get a house
Consumer complaint received 2018-09-21
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. (OH)

I am going over my credit report and I see that my information is either inaccurate or old dated. 
My name is XXXX XXXX XXXX I am XXXX my company is XXXX XXXX XXXX XXXX XXXX XXXX. 
My DOB XXXX SS XXXX MY only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX PHONE NUMBER XXXX THE FOLLOW ADDRESSES ARE NOT MINE PLEASE DELETE : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I HAVE A HARD INQUIRES ON MY CREDIT REPORT THAT ARE UNAUTHORIZED I NEVER DONE ANY BUSINEES WITH XXXX XXXX, XXXX, XXXX XXXX. PLEASE REMOVE THEM THEY ARE NOT AUTHORIZED. I WOULD LIKE TO BE OPTED OUT OF ALL PROMOTIONAL CREDIT CARD ADD AND INSURANCE PROMOS. 
THERE IS A ACCOUNT SHOWING ON MY CREDIT PROFESSIONAL BUS BUR # XXXX****. THIS ACCOUNT WAS NEVER IN COLLECTION AND HAS ALWAYS BEEN PAID IN FULL, NOT SURE HOW OR WHY IT IS ON MY CREDIT REPORT PLEASE DELETE THIS ERROR.
Consumer complaint received 2023-03-20
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: Experian Information Solutions Inc. (CA)

There was a auto loan that was open fraudulently in XXXX under XXXX XXXX XXXX  DEBT OWED {$9900.00}. 
I HAVE MENTIONED THIS ACCOUNT TO EXPERIAN DIRECTLY AND INFORMED THEM THAT I DO NOT OWN THIS ACCOUNT IT WAS OPEN DUE TO IDENTITY THEFT. I HAVE FILED A COMPLAINT WITH OUR STATE ATTORNEY GENERAL I HAVE ALSO FOUND A COMPLAINT WITH THE XXXX XXXX XXXX  THAT RESPONDED THEY DID NOT FIND MY NAME IN THE CONSUMER DATABASE WITH THIS COMPANY. This response came directly from XXXX  employee name XXXX XXXX letter sent to me via email XX/XX/XXXX. Please contact them for verification of my complaint and their investigation results. My case ID # XXXX. I IMMEDIATELY CONTACTED EXPERIAN VIA USPS MAIL CERTIFIED WITH RETURN RECEIPT AND PRIORITY TRACKING. THE RETURN RECEIPT WAS RETURNED TO ME XX/XX/XXXX PLEASE VIEW THE PHOTOS ATTACHED. ALSO I SENT DIRECT DISPUTES TO XXXX XXXX XXXX USPS CERTIFIED WITH RETURN RECEIPT AND PRIORITY TRACKING. ALSO RECEIVED THEIR SIGNATURE ON XX/XX/XXXX AND XX/XX/XXXX FROM EMPLOYEE XXXX XXXX CONFIRMING THEY RECEIVED MY MAIL. YET I HAVE NOT RECEIVED ANY RESPONSE BACK FROM THEM.PLEASE VIEW PHOTOS ATTACHED. TO PROVIDE THEM THE POLICE REPORT IDENTITY THEFT REPORT AND OTHER SUPPORTING DOCUMENTS. THIS MATTER HAS BEEN DISPUTED SINCE XXXX. YET IT IS STILL BEING REPORTED ON MY CREDIT FILE. MY RIGHTS INDICATE AS LONG AS I SUBMIT POLICE REPORT AND IDENTITY THEFT REPORT ALL INFORMATION I REPORTED TO THEM ON THIS ACCOUNT WOULD BE BLOCKED. I NEED THEM TO REMOVE THIS ACCOUNT AS IT DOES NOT BELONG TO ME. Police report was filed on XXXX XXXX the report # is XXXX. Please view attachment of police report filed. ALL MY STATEMENTS IN THIS COMPLAINT CAN BE VERIFIED.
Consumer complaint received 2021-02-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC (CA)

This dispute is past the expiration date to report to credit agencies. Monterey Collection keeps extending the expiration date which should be against the law. They exercise illegal practices and ruining credit unlawfully is one of them. 

On XX/XX/2014 Purchased an airbrush from XXXX for {$350.00} on a trial basis. 
Sometime after that, I found an identical item online for {$30.00} and purchased it. 
On XX/XX/2014 I emailed XXXX  to cancel the trial purchase. 
On XX/XX/2014 XXXX emailed me to agree to take the item back. 
On XX/XX/2014 XXXX  emailed me to inform me that the trial purchase time ended on XX/XX/2014. 
On XX/XX/2014 I emailed XXXX to remind them I contacted them prior to XX/XX/2014 to cancel the purchase. 

Monterey Collections, acting on behalf of XXXX, has ruined my credit by extending the years allowed to report a debt issue. 
To date, seven years later, they are still ruining my credit over this dispute. I want them to remove the negative credit report since it has been seven years and I still maintain that I canceled the purchase and wanted to return the item which is in the original package.
Consumer complaint received 2018-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Google Compare Credit Cards Inc. (NV)

For three years, I have been trying to resolve an issue wit Google Payments. I have had an account with them since at least XX/XX/2008. It appears that someone used my information to violate the terms and conditions under my identity and account, as verified by Google. Since then, they have asked me to send them information to resolve the issue. After I sent it several times, they flat out deny to assist me and choose to hold me responsible WITHOUT PROVIDING ANY INFO as to why it happened, how it happened, or who specifically did it besides blaming me. During this timeframe, I was in the process of moving to XXXX XXXX, NV where my identity theft began occurring. I have tried contacting Google several times if not dozens to resolve this issue and they simply deny to assist me or file any claims to dispute the charges, claiming that it is my account and anyone can use it without my permission and it will be considered authorized since it is under my name. That does not make any sense especially with all the fraud going on now days. They will not prove to me or provide to me who did it nor will they fix it for me. They claim they have security measures to prove it is me, but still they DO NOT show it to me or tell me, therefore, how am I supposed to believe them, fix this, or understand what is going on? Furthermore, they are very rude, deny to assist me, blame me, and tell me they can not argue with me or provide any info. During these charges that occurred, my other bank accounts and things in my name were affected, compromised, and opened/closed. Someone used my account for fraudulent things and even my bank confirmed it. However, Google does not want to assist me or take any responsibility. They want me to communicate with them by email even though my email/account with them was compromised/hacked somehow and I do not trust that way of communication, especially since we can not understand each other as well over email than over the phone and to give details. Why would I want to email a department over something urgent and not being resolved correctly?? They keep denying to assist me, will not, and flat out do not have any more info to provide me which leads me to believe that they can not truly show any proof as to it being me since it WAS NOT. I need to use Google Payments to pay for my storage for email that is critical, photo storage, products, services, movies, apps, and other services that require me to use Google Payments. I can not even add a payment method to resolve the balance even if I wanted to nor can I even add a payment method or do anything with the account, therefore, I closed it. I am very frustrated with this situation and am fed up with it. It keeps going in circles and does NOT get anywhere! UNPROFESSIONAL!!
Consumer complaint received 2023-03-20
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: Experian Information Solutions Inc. (CA)

There was a auto loan that was open fraudulently in XXXX under XXXX XXXX XXXX DEBT OWED {$9900.00}. 
I HAVE MENTIONED THIS ACCOUNT TO EXPERIAN DIRECTLY AND INFORMED THEM THAT I DO NOT OWN THIS ACCOUNT IT WAS OPEN DUE TO IDENTITY THEFT. I HAVE FILED A COMPLAINT WITH OUR STATE ATTORNEY GENERAL I HAVE ALSO FOUND A COMPLAINT WITH THE XXXX XXXX XXXX THAT RESPONDED THEY DID NOT FIND MY NAME IN THE CONSUMER DATABASE WITH THIS COMPANY. This response came directly from XXXX  employee name XXXX XXXX letter sent to me via email XX/XX/XXXX. Please contact them for verification of my complaint and their investigation results. My case ID # XXXX. I IMMEDIATELY CONTACTED EXPERIAN VIA USPS MAIL CERTIFIED WITH RETURN RECEIPT AND PRIORITY TRACKING. THE RETURN RECEIPT WAS RETURNED TO ME XX/XX/XXXX PLEASE VIEW THE PHOTOS ATTACHED. ALSO I SENT DIRECT DISPUTES TO XXXX XXXX XXXX USPS CERTIFIED WITH RETURN RECEIPT AND PRIORITY TRACKING. ALSO RECEIVED THEIR SIGNATURE ON XX/XX/XXXX AND XX/XX/XXXX FROM EMPLOYEE XXXX XXXX CONFIRMING THEY RECEIVED MY MAIL. YET I HAVE NOT RECEIVED ANY RESPONSE BACK FROM THEM.PLEASE VIEW PHOTOS ATTACHED. TO PROVIDE THEM THE POLICE REPORT IDENTITY THEFT REPORT AND OTHER SUPPORTING DOCUMENTS. THIS MATTER HAS BEEN DISPUTED SINCE XXXX. YET IT IS STILL BEING REPORTED ON MY CREDIT FILE. MY RIGHTS INDICATE AS LONG AS I SUBMIT POLICE REPORT AND IDENTITY THEFT REPORT ALL INFORMATION I REPORTED TO THEM ON THIS ACCOUNT WOULD BE BLOCKED. I NEED THEM TO REMOVE THIS ACCOUNT AS IT DOES NOT BELONG TO ME. Police report was filed on XXXX XXXX the report # is XXXX. Please view attachment of police report filed. ALL MY STATEMENTS IN THIS COMPLAINT CAN BE VERIFIED.
Consumer complaint received 2019-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

ItriedfilingadisputewithCapitalOneonlineonafewdifferentoccasionswithnosuccess.Ithentriedcallingintohaveacustomerservicerepresentativedoitforme.However,afterextremelylongholdtimesIwastransferredaroundbetweenonepersontoanotherandfromonedepartmenttoanotherwithnoonethatwashelpingme.TheendwasthatIwastransferredtoavoicemailwhereIleftamessageforsomeonetocallmeback,asofnow4weekslaternoonecalledmeback.Finally,Iwasabletogetthroughtoarepresentativetofileadisputeonatleastoneofmyclaims,unfortunately,therewasnothingfurtherdoneonmyclaim.Ihavealreadywrittentothemaboutthismatterbuttheyarenotrespondingandaretotallydiscriminatingagainstme.