davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I received a copy of my credit report and am disputing Several addresses some which I have not resided at.I am requesting these addresses be deleted. I have highlighted these addresses and I am disputingthe following items : The reasons why these items should be deleted are inaccurate information due to fraud, my identity has been compromised. Please remove the following : XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX The following numbers need to be removed due the they are no longer active or attached to me : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX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
Consumer complaint received 2021-12-01
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (MO)

Settled judgment with lawyer at XXXX XXXX XXXX my debt consolidation program has been trying to reach their office since XXXX they dont return phone calls I ve tried left messages with no luck just want to pay them in full they are still on my credit report harassing my life and my progress forward they are terrible
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the XXXX Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly remove the following items in my credit 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2019-07-09
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. (GA)

I'm in the market for a home purchase. One of the preparation steps I'm taking is monitoring my credit report. A couple of days ago I checked my credit report again and I saw a couple of items on my credit report that are not mine. I have reached out to the FTC and to my local police department and I am doing this on my own behalf. Again these items need to be deleted from my credit report. XXXX XXXX XXXX, DPT EDXXXX, XXXX, XXXX, XXXX XXXX lnquiries : XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX. XXXX/XXXX. XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, FCC { XXXX
Consumer complaint received 2019-07-09
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: World Omni Financial Corp. (FL)

I was given XXXX orders overseas and I was 2 car payments behind due to some medical bills. I did inform the finance company ( South East Toyota Finance ) why i was two payments behind but They understood and gave me time to try to catch up. I was then given XXXX orders and I used the SCRA to try to return the vehicle two weeks before I left in XXXX of 2019. I called the finance company and they said fax them the letter. I faxed them the letter. I called back the next day and they told me the letter needs to state where I was being XXXX too. Which we trained to not talk about movement in the military. Next I got the letter change by my administration office. They accepted the letter the day I left on XXXX so my wife was give a power of attorney to return the vehicle. Upon return she was given a piece of paper of them accepting the return. Currently XXXX I look at my credit report and it shows a repossession of the vehicle. From my understanding a repossession takes a court order with an active duty military member. Im no lawyer though. I was given a very difficult time through the process.
Consumer complaint received 2022-05-06
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. (VA)

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

XXXX  XXXX Account # XXXX has violated my rights. 

XXXX Account # 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
Consumer complaint received 2018-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

The account dates of opening, closing, last update continues to change as a tactic to keep this account on my credit report longer than it is supposed to be. The dates continue to change. I feel that this account should already have been removed from my credit report. I attempted to dispute again with Experian to get a confirmation date that this account will be removed. XXXX and XXXX have already removed this account from my credit report. Experian refuses to do so by not verifying the initial information.
Consumer complaint received 2019-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CO)

I have been enrolled automated payments for seven-plus years with MyFedLoans. My payment was taken from my account on my due date last month as usual, but was never posted to my account. I have contacted customer service four times - three emails ( XXXX, XXXX, and XX/XX/XXXX ) and one phone call ( XX/XX/XXXX ). The three emails have never received any response other than the automated notice that they were received. The customer service representative I spoken with by phone said he would submit the issue, but that was over a week ago and the notice of delinquent payment still shows up on my account. I am still receiving automated notices about the late payment, including another today ( XXXX ), and my perfect credit report is being threatened with ruination because this company has failed to properly post the money they have already taken from my account. As I mentioned to the customer service representative, I had a loan consolidation completed with them on the same day XXXX payment was taken out of my account. If I had known this would be the result, I would have selected a different service provider. Since customer has never responded I am unsure what else to do.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

When I reviewed my credit report, I discovered the erroneous accounts. The XXXX credit bureaus must verify these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be deleted from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

When I reviewed my credit report, I discovered the erroneous accounts. The XXXX credit bureaus must verify these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be deleted from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

I had a credit hard pull on my XXXX report from First Citizens Bank. I disputed this, as I was never informed that a hard pull would be initiated for a credit limit increase. Rather, they pulled it as an application for a credit card and never gave my the results of my credit limit increase request, and they were advised of numerous servlet errors in the app during the process that made everything work inproperly. I was advised by customer service to contact their main number for assistance. When doing so, they told me they can not remove pulls from a credit report and that had to be done through XXXX via the dispute process. I then proceeded to tell them about the errors, but nothing was done. I was also still not given the results of my limit increase. As a result, I submitted my dispute to XXXX as an error in reporting a hard pull inquiry. They immediately denied the dispute and closed it. I am asking that this pill be removed from any and all credit reporting within 30 days by either the reporting agencies or First Citizens Bank. I have copies of all correspondence.
Consumer complaint received 2019-10-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY (NJ)

XX/XX/XXXX XXXX  Dispute Department Please be advised of the following facts. First, since XXXX I have possessed an account with American Express. Throughout that entire time I maintained my account in 100 % good standing. In XX/XX/XXXX I was involved in a motor vehicle accident resulting in a serious XXXX XXXX XXXX. Due to this injury there have been numerous negative consequences to my life. Among these has been a severe hit to my income stream and my ability to service debt. When I was able to resume some level of function I contacted American Express advising them of my situation. At that time they promised to work with me in an effort to resolve the matter without damaging or destroying my credit in the process. Last month I received a written letter from American Express telling me that they had turned the matter over to a collection company by the name of XXXX XXXX. Since then I have received threatening correspondence from XXXX. Likewise, I see that my FICO score has been severely and negatively impacted by all three credit reporting agencies. 

According to the CCPA of XXXX as well as the XXXX XXXX   XXXX XXXX and subsequent legislation, consumers suffering serious medical injuries, such as those I suffered, are supposed to be provided with certain reasonable protections, among these being some level of protection from unfair, damaging practices by creditors. Indeed, I have come to learn that in seeking to ease the burden of physically XXXX consumers these mechanisms were put in place specifically to avoid the sort of misery I am now being subject to by American Express and XXXX XXXX. By taking the aggressive and negative steps these people have taken against me they are making a painful, horrible situation far worse. 

I understand the need of such companies to protect their interests. I sincerely hope that your agency may perhaps offer some fragment of assistance in helping to protect mine.
Consumer complaint received 2019-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

Ive REACH OUT TO EXPERIAN SEVERAL DIFFERENT TIMES ON THIS MATTER OVER THE PHONE AND I ALSO SEND COPY OF MY CORRECT INFORMATION AND STILL NOTHING BEEN DONE. IT BEEN 3 MONTH AT THE LEAST AND EVERY TIME I CALL IN I GET THE RUN AROUND. I DO I HAVE EXPERIAN MEMBERSHIP WITH THEM SO I AM ABLE TO VIEW MY CREDIT REPORT ON A DAILY BASIC. THE INFORMATION THAT IS INCORRECT IS MY EXPERIAN CREDIT REPORT IS MY LAST NAME WHICH THEY DONT LIST MY WHOLE LAST NAME BUT PARTS OF IT. IVE CALLED IN AND EXPLAIN TO THEM AND THEY STATE THAT ON MY CREDIT REPORT IT SHOWS MY FULL LAST NAME BUT WHEN I EXPLAIN TO THEM ON MY PERSONAL SUMMARY ON MY CREDIT REPORT IT SHOWS MY NAME AS FOLLOW XXXX XXXX XXXX WELL THAT NOT MY LAST NAME AT ALL. MY LAST NAME IS XXXX MY FULL NAME IS XXXX XXXX XXXX OR IT CAN BE XXXX XXXX XXXX  XXXX BUT THEY ARE MISSING THE XXXX ON MY LAST NAME WHICH IN TURN I DO HAVE A MEMBERSHIP WHICH IS MY MEMBERSHIP NUMBER IS XXXX WHICH I WAS TOLD THAT THE ONLINE PART HAS MY INFORMATION INCORRECT WELL IF THAT THE CASE CAN THEY UPDATE THAT INFORMATION. I CANT EVEN DO A 3 BUREAU TO SEE WHAT IS ON MY OTHER CREDIT REPORT WITH EXPERIAN DO TO THE FACT MY NAME DOES NOT MATCH ON ANY OF MY OTHER CREDIT REPORTS.
Consumer complaint received 2019-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

The borrower missed the first payment on the loan in 2019. The property was under contract in XXXX, scheduled to close in XXXX, 2019. The lender assured the owner that they would not proceed with foreclosure proceedings as they knew it was scheduled to close early XXXX, 2019. The owner tried for over 20 days to get a payoff statement from the attorney representing the current loan servicer/investor but no success due to XXXX XXXX not cooperating. The property closed on XX/XX/XXXX and the title company has sufficient funds to payoff the loan from the sales proceeds but they have not been able to get a payoff statement. The seller has tried to get the law firm to provide a payoff statement but it has been one excuse after another and they have been very difficult to deal with. I am asking for you help as the new owner is very concerned that the lender will not provide a Satisfaction of Mortgage and Dismissal of Lis Pendens, even though it was filed two days before closing and they knew the loan was being paid off.
Consumer complaint received 2022-07-22
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: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX, account XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Consumer complaint received 2023-03-21
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)

Account owner XXXX Account XXXX reported XX/XX/XXXX Account status XXXX XXXX XXXX XXXX XXXX amount owed {$83.00} Original creditor PROGRESSIVE Date assigned XX/XX/XXXX Agency XXXX COLLECTIONS Status date XX/XX/XXXX Delinquency Date of last payment Balance owed {$83.00} Comments
Consumer complaint received 2019-07-10
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

Per Ocwen house sold XX/XX/XXXX, says use XXXX see trustee letter, when i call same voices from Ocwen, they can use there own foreclousure company? why isnt house on the website as sold? ILLEGAL PROCESS, renter in property! Who process is an illegal foreclsoure, now XXXX says sold XX/XX/XXXX!?!!?!?! And i filed a XXXX.
Consumer complaint received 2019-07-09
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: EQUIFAX, INC. (TX)

Dear Equifax : I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for was placed within my credit file in XXXX, 2018. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon Equifax to follow the law : Either provide documentation that the law was followed by contacting at once, or remove this offending inquiry as soon as possible.i sent these letter to these credit bureaus and i never get a responds and their no way. I can run my credit report 80 to 90 times making me not get anything and i keep dispute things on their and they never respond and when i call they tell me i got all my answer wrong i have medical issues and i cant be dealing with this head ache i have a XXXX XXXX XXXX and it very stress knowing these people messing up my credit
Consumer complaint received 2019-07-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Management Services, LP (CA)

At around XXXX this XXXX I got called by a " XXXX XXXX. '' He called from ( XXXX ) XXXX. He identified himself as being from " Capital Management Services L.P. '' after I asked. I asked him to take my name and number off their list. I found out through " XXXX '' that they potential fraudsters and scammers. See this URL for example XXXX XXXX XXXX/XXXX.

As a victim of identity theft, I am now cautious when contacted by anyone via the telephone. Apart from student loans which are in deferment and credit cards which are all current. I do not owe anyone any monies whatsoever. So if this was an attempt to collect a debt it was illegitimate.

I did leave a message for them at their website. XXXX XXXX XXXX Asking them not to contact me. I also sent them a fax at XXXX XXXX at ( XXXX ) XXXX. I have confirmation of it.
Consumer complaint received 2019-07-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC (WI)

This company MRS BPO , LLC claims that I owe them {$640.00}. 
I have no knowledge of this company. 

XXXX XXXX was paid directly from my XXXX account. 
We further disputed the claim from XXXX XXXX. 

We switched our phone service to XXXX - and they paid the cancellation bill.
Consumer complaint received 2018-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc. (AZ)

Regrading this account CONN CREDIT CORP XXXX. I believe that I may had been 28 days in XX/XX/2018 but not 30 days late. In regards to XXXXL XXXX XXXX. I believe that I may had been late 55 days in XX/XX/2018. Not 60 days late. Also to XXXX XXXX. I may have been 29 days late in XX/XX/2018 not 30 days late. The FCRA Law require everything on your credit report to be accurate, valid and complete. This late payment is incorrect and should not be reporting on my Credit Report.