davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (OH)

I sent this company a validation letter and they signed for it on XX/XX/19 although I didn't get the receipt for some odd reason, but the tacking # is XXXX about an alleged debt they claim I owe. What I received in return was a bill/statement. They have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately and that I have a legally binding contractual obligation to pay them the alleged amount, Furthermore The whole entry on my credit file of this account is completely inaccurate. They claim I owe XXXX but what shows on my credit report is {$900.00}. Now I am no credit expert but I do believe this kind of information needs to be completely accurate. 

The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Trans union XXXXXXXX XXXX XXXX XXXX  Refuse to send in documentation that shows they validated a XXXX XXXX that is showing on my Transunion and XXXX XXXX XXXX from the cXXXX XXXX XXXX instead they are using a non validated third party for incorrect information
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly update the following inaccurate items that are harming my credit. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-09
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: Bread Financial Holdings, Inc. (TX)

I contacted CCB/HSN about an account # XXXX that is showing on my credit report for all three credit reporting agencies. I sent them a letter ( attached below ) asking them to provide me with information as to why this account was showing on my credit report. I let them know that if they could not provide the required information that the account needed to be removed from my credits reports per the Fair Debt Collection Practices Act and Fair Credit Reporting Act. 

They responded only with a generic statement and response ( attached below ). Anyone can create a statement and attach another person 's name to it. Their response does not meet the requirements of the Fair Credit Reporting Act to validate that this account should be reported on my credit reports. I would rather have these items removed from my credit reports without having to take legal action.
Consumer complaint received 2019-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XX/XX/2019, I had submitted a complaint to all CRA 's ( XXXX, XXXX and TransUnion ) regarding a collection report on my credit file from XXXX. This collection agency and the original creditor is falsely and illegally reporting this debt. My evidence is attached.
Consumer complaint received 2022-11-17
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: EQUIFAX, INC. (FL)

On XX/XX/2020 Ive sent a request for validation from XXXX XXXX XXXX. This includes copies of documentation that represents a legal ledger in form of Purchase Agreement, Bill of Sale, or transfer of title. Furthermore, it must include a copy of the original agreement made with the principal creditor, XXXX Bank, and myself, outlined by my legal name. 
The document sent by XXXX XXXX XXXX is a statement that represents an account number and some billing statements that represent an account I had formally held with XXXX Bank. The Document doesnt represent a legal ledger in anyway. There is nothing that represents a purchase of such accounts. There is nothing that represents the amount paid, terms of the sales, principal agreements with parties involved. 
The document sent is Considered Hearsay, and I had recently won a judgment against XXXX XXXX under this very same pretense. The XXXX filed a lawsuit in pursuant of an alleged debt and a could not produce purchase agreement to validate that XXXX titleship of such accounts. 
PLEASE DELETE XXXX XXXX FROM MY CREDIT REPORT. THEY HAVE NOT BEEN ABLE TO PRODUCE LEGAL DOCUMENTATION THAT PROVES TITLESHIP OF THIS ACCOUNT. 

XXXX XXXX XXXX Account number - XXXX
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

The biller of my student loan is Navient. I have a large loan from XXXX of approximately {$120000.00}. When I tried to pay extra online, they absolutely refuse to let me pay toward principal. I can not find a way to have the extra amount apply in this fashion to further reduce my overall debt. I could not figure out why I had been paying extra, but it was not making much of a difference. I now see that my extra payment has been applied first toward fees, then interest, and finally principal. I was able to consolidate with another company ( XXXX ) at a lower interest rate and they let me pay toward principal. But, I have been paying all this time and have barely made a dent in my loan! I graduated from XXXX in 1997 and still have $ XXXX in student loan debt! I saw that you are suing Navient and wanted you to have this information.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TFC Credit Corporation of California (TX)

I pulled my credit report and noticed that this company is reoporting inaccurate information on my credit profile. I checked the remarks section where it shows the payment history, and this company has that since the account opening in XX/XX/XXXX through XX/XX/XXXX there was on time payments. Then in XX/XX/XXXX this agency reported that i was 60 days past due. then following that the agency reported that my account was 30 days past due in XX/XX/XXXX. This company is reporting misleading/inaccurate information on my credit profile. According to 15 USC 1681eb, when a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM accuracy of the information concerning the individual to whom the report relates. I demand that this company remove this inaccurate information from my credit report immediately, due to this creditor violating 15 U.S. code 1681eb by reporting inaccurate information on my credit profile.
Consumer complaint received 2021-12-07
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: GOLDMAN SACHS BANK USA (CA)

XX/XX/XXXX, XXXX {$550.00} XX/XX/2021 - {$440.00} XX/XX/2021 - {$66.00} Dispute through the Goldman Sachs card service XXXX but they take super long on their service and dont allow you to use the card while these transaction go through.
Consumer complaint received 2019-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I opened a Chase XXXX Credit Card was approved then after 3 weeks they closed my account without any reason, I reached out to a person that works in Chase and was told that I was on a so called " Blacklist '' with Chase.

I have never done anything wrong to Chase but 5 years ago my accounts with Chase were subpoenaed by the court for an investigation so they closed all my business accounts at that time. Since all this time has passed and I was approved I figured that is was all good.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (PA)

I start a Commercial mortgage with XXXX XXXX XXXX in early XXXX, Monthly payment is {$1500.00} per month. Mortgage amounts is about {$250000.00}, I set up the auto pay from my bank and set out money every XXXX of the month, everything going well. But in XX/XX/XXXX, XXXX sold my mortgage to Carrington mortgage Service, I still continue send my {$1500.00} monthly payment to the new mortgage company every XXXX of the month. But few month later, They increased my monthly payment to about {$2000.00} per month, I do not know why and called. them they told me they bought a very expensive home owner insurance for me without give me notice, it is about {$4800.00} per Year, it is way too much compare to a regular home insurance for that house! But I have my own home owner insurance! They just do not have the insurance information in their records, I asked my insurance agent and provided my own homeowners insurance to them very soon, also request them stop the expensive insurance soon, but they still continue keep it, cause me double paid a lot of insurance fee for that mortgage in the past 6 month! It is not available. 
Also, My bank automatically paid my monthly payment {$1500.00} to them every month, they still consider my payment late because of the added extra insurance fee. I have to paid extra {$2500.00} to cover it in End of XX/XX/XXXX, Actually I total paid 9 month {$14000.00} from XX/XX/XXXX to XX/XX/XXXX, if following the original number {$1500.00}, I only should pay 9 month {$13000.00}, I paid extra {$1100.00} on my mortgage! 
I called Carrington mortgage again in XX/XX/XXXX, they told me they have wrong address in their records, my home address is XXXX XXXX, but their records is : XXXX XXXX, they is why I missed their important letter several times, they said many sorry to me, but still do not want remove the bad credit report for me, Anyway, after the mortgage transaction from XXXX to Carrington mortgage, cause a lot of problems! I called them many times, no one really take care it. Waste my time and money, and also cause my credit score from last years XXXX dropped to XXXX, I am very care about my credit! I always pay in time and do not want owe any one any cents!
Consumer complaint received 2019-03-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (MA)

Repeatedly tried to contact Southwest Credit Systems L.P. to verify a collection account on my XXXX, XXXX  and XXXX credit reports. I have not been provided any information on the account that is damaging my credit and ability to obtain new credit.
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HEAD MERCANTILE CO., INC. (OH)

I sent a debt Validation letter out to them through the mail, and didn't receive nothing back, so I sent a certified letter this time and i still have not received anything back yet. I already submitted a complaint about this and I didnt realized I didn't include this information on the complaint so that's why I sending it out again. Also, The SOS Group called me today XXXX XXXX and I answered the phone and the lady ask me XXXX and I told her I don't answer questions over the phone, sent what you have to the address you have on file and she STATED ( GOOD LUCK WITH THAT ) and hung up on me. Now that is unprofessional. This is FCRA violation
Consumer complaint received 2019-07-09
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: EQUIFAX, INC. (TX)

In XX/XX/2019, I had submitted a complaint to all CRA 's ( Equifax, XXXX and XXXX   ) regarding a collection report on my credit file from XXXX. This collection agency and the original creditor is falsely and illegally reporting this debt. My evidence is attached.
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. (GA)

My name is XXXX XXXX my SS # XXXX my DOB id XXXX I have found several addresses on my credit file that are not mind, I have only one address that is XXXX XXXX XXXX , XXXX GA XXXX. I have had issues in the past with my ID being compromised do to fraudulent addresses appearing on my files. Please remove/delete the following addresses : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX   XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX , XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, GA 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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX my SS # XXXX my DOB id XXXX I have found several addresses on my credit file that are not mind, I have only one address that is XXXX XXXX XXXX XXXX XXXX GA XXXX. I have had issues in the past with my ID being compromised do to fraudulent addresses appearing on my files. Please remove/delete the following addresses : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX
Consumer complaint received 2019-07-09
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (TX)

Sent off a debit validation letter so that the collection company can validate what they are showing on my credit they have failed to provide information that I have asked for they have 30 days to provide me that information Letter was sent off on XX/XX/2019* Professional Bureau of Collections Tracking with USPS:XXXX Letter was Delivered : XX/XX/2019 at XXXX XXXX
Consumer complaint received 2019-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

My name is XXXX XXXX XXXX I need all my freeze/block removed ASAP. I am trying to access my credit for business and every vendor and bank keep saying I have a block or freeze on my credit profile. DOB XXXX SS XXXX
Consumer complaint received 2015-10-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (AL)

While reviewing my EQUIFAX credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX on XXXX/XXXX/2015. I did not authorize anyone employed by XXXX to make such erroneous inquiry. 
XXXX XXXX misdeeds constitute fraud and a serious breach of my Privacy Act and FCRA Section 1861 b ( c ). 
XXXX were not legally authorized to unilaterally review my credit without my written consent, thus, an act against the law that has continued to cause me economic hardship and prevents me from securing a meaningful employment.
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: Experian Information Solutions Inc. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2019-07-09
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. (WA)

I currently have a dozen ( 12 ) collection reporting only to Equifax with no creditor data attached to them. I believe these may have been old medical bills which have long since been paid and should never have been reported as collections. Since I have no creditor information for any of these accounts I am unable to verify anything about these accounts.
Consumer complaint received 2019-07-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

Pennymac mortagage is my current loan company for mortgage. They ran escrow analysis and as if XX/XX/2019 they are charging me for double insurance and there are 2200 in payments they are not including in my escrow account causing my mortgage payment to sky rocket from 1600 to 2200. I called several times and they told me a refund was pending, however, I called in XX/XX/2019 and no body helped including supervisors throwing me as responsible for payments that I made for insurance but that they are not putting into escrow. I'm being over charged and this is abusive collection practice.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DE)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 4 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XXXX XXXX XXXX XXXX