davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-29
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: Innovis (TX)

Dear Company : I am a victim of identity theft due to the XXXX  Data Breach. My information has been breached causing multiple errors and miscellaneaous account transactions to be listed on my credit report, including 12-14 hard credit inquiries. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It appears to be the result of identity theft. 

****Credit Inquiry**** Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all Credit Bureaus, Enclosed are the following : A copy of my Identity Theft Report. 
Police Report XXXX Data Breach Screen Shot Section 605B of the Fair Credit Reporting Act, which requires you to delete the fraudulent information on my credit report resulting from identity theft within four business days. 

I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-08-29
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: Byrider Franchising, LLC (WI)

Never use there services was told it was not me and to please remove from credit report the woman told me know and asked her to please send me all information Id paperwork signed by me saying it was me never received
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is regarding the accounts listed above or in the pictures as proof which they claim is a collection of that I have with their companies. This is a formal notice that your claim is disputed, I am requesting validation may provide it to the fair debt collection practices at know that I am requesting validation that is competent evidence, bearing my signature showing that I have or ever had some contractual obligation to pay a.k.a. wet signature. Please also be aware that any negative marks found on my credit report, including XXXX, Trans Union, and XXXX from your company or any company that you represent for a debt that I dont owe is a validation of the fair debt collecting practices at FDCPA 807 oh, really15 USC ( e ) therefore, if you can not validate the debt, you must request all the credit reporting agencies, delete the entry. pending the outcome of my investigation of any evidence that you submit you are instructed to take no action that could not be detrimental to any of my credit report. Where are you later to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local value. I will be seeking up to XXXX XXXX minute damages for defamation, XXXX negligence, enablement of identity, fraud violations of fair credit reporting act in fair debt collection, practices at you will be required to appear in court venue local to me since you are clearly doing business in my area for the purpose of 15 USC 1692 et seq. This notice has the same effect as a dispute to the validity of your claims please note this note is an attempt to correct your records, and any information receive from you will be collected as evidence should any further actions be collected as evidence should any further actions be necessary? This is a request for information only and is not a statement, elections or waivers of status.
Consumer complaint received 2018-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TN)

I originally disputed late payments. I ended up sending goodwill letters asking for late payments to be removed to XXXX XXXX XXXX. Now on my reports its says that i am still disputing, which I am not, after resolution. I sent letters saying I am not disputing and to remove statement several times off my credit reports to the credit bureaus and XXXX with no response. I would like the statement removed.
Consumer complaint received 2018-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I originally disputed late payments. I ended up sending goodwill letters asking for late payments to be removed to XXXX XXXX XXXX. Now on my reports its says that i am still disputing, which I am not, after resolution. I sent letters saying I am not disputing and to remove statement several times off my credit reports to the credit bureaus and XXXX with no response. I would like the statement removed.
Consumer complaint received 2018-08-29
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: QuickClick Loans of Illinois, LLC (WI)

Have called and we settled with a XXXX settlement offer as a pay to delete with a first payment of XXXX and the last payment XXXX XXXX has made payment but they are still reporting a - negative balance on my credit report
Consumer complaint received 2022-07-25
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: BETHPAGE FEDERAL CREDIT UNION (OH)

Ive sent letters to all three reporting agencies as well as the original collectors, the time of which these items are to be reported has expired over 8 years. Legally under the fair credit reporting act 7 years is the deadline in which these companies can report on the credit after the account has been closed. It has been almost 10 years now and they after many letters are still reporting and not taking into the account the laws in place.
Consumer complaint received 2018-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

XXXX XXXX XXXX XXXX is attempting to collect a total balance of {$300.00}, as of XX/XX/XXXX from my XXXX credit card account. I had previously reported my XXXX card lost/stolen to XXXXXXXX XXXX and requested the card be closed. XXXXXXXX XXXX failed to close the account and the card was used fraudulently. I contacted XXXX again and disputed the charges. XXXX closed the account at that time, but left the charges owing. The account was then purchased by XXXX XXXX XXXX XXXX. I called XXXXXXXX XXXX  to get this resolved, but they were not able to do anything. I advised XXXX XXXX XXXX XXXX and filed two disputes forms with them to get this resolved. Unfortunately, they have failed to resolve this matter. I do not know the exact date the XXXX card was lost/stolen or the date I first reported it to XXXXXXXX XXXX. The last time I made a purchase on the card was in XXXX.
Consumer complaint received 2022-07-09
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: Experian Information Solutions Inc. (FL)

I, XXXX XXXX, sent a letter on XX/XX/2022 regarding inaccurate on my credit report to this day over 60 days later. I have not received any feedback from you. I feel like I am being taken advantage of and being ignored regarding my disputes. Under Section 611 ( a ), it is purely stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days already and so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Consumer complaint received 2022-07-09
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. (NJ)

XXXX XXXX is reporting a delquient account which is false because I never got the item they billing me for and XXXX  XXXX account was deleted for fraud and reappeared I attached police report for XXXX  XXXX fraud and email from XXXX XXXX saying they understand I didnt get my item but I still got ta pay which is fraudulent who pays or billed for something the company no I didnt get
Consumer complaint received 2022-07-09
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. (GA)

PLEASE HELP! Experian and XXXX is ruining my financial reputation.Experian and XXXX continues to be in cahoots together to bring harm to my reputation. Not only did XXXX sell my nonpublic information to Experian without my consent. Experian continues to report these errors on my consumer file without my consent. I have provide Experian with several correspondence they provide proof that this is an error. Experian act as if I am arm asking them is this an error. A consumer is the only one that can say what's on their file is an error which I have and provide proof. Experian has stated on their website that the third party vendor they use to verify Bankruptcy is XXXX. XXXX stated that they complain does not belong to them because they removed it. Please view attachment of once XXXX verify the accuracy of the US BKPT CT GA XXXX and then after filing a FTC against them they since removed it. I have asked Experian to provide me with the name and the number of the person that they spoke with a XXXX and to no avail have they done so. Experian has a duty to report with fairness and accuracy. How has Experian been fair when they continually only speak with the furnisher. Also what furnishing of information is Experian using to verify the accuracy if the third party that they use no longer house the information.
Consumer complaint received 2018-08-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TOLL BROTHERS INC (NJ)

We were supposed to close on house on XXXX XXXX XXXX NJ with XXXX XXXX Mortgage company on XX/XX/XXXX XXXX XXXX mortgage said loan was approved then before closing they said XXXX/ XXXX XXXX told us day before only that there is issue with appraisal We have sold our old home and boxed our house stuff and now they are not giving us the date or any final closing related information It appears that XXXX XXXX mortgage company is not well established and doesnt follow standard practices and they shouldnt be allowed to be in market We also know few people in community where they have issues with XXXX XXXX mortgage company Please call me if u need additional details XXXX XXXX
Consumer complaint received 2018-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (LA)

There is a company Sequium Asset Solutions who have contacted me via mail on multiple occasions initially when I received the letter I tried reaching out to them this was XX/XX/2017. They have yet to answer the phone I have called them, sent letters and have disputed the account with all three credit bureaus. It was removed from one and not the other two I have even reached out to the original creditor in regards to the account. They could not give me any information because none of the info I gave them matched this account. This is NOT my account I had no knowledge of it prior to XX/XX/2017 and had not given anyone permission to use my info for this company I would like them to be removed off of my credit files ASAP.
Consumer complaint received 2018-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

HSBC advertised that I would receive {$150.00} in cash credit on my credit card if Charged {$500.00} within 3 months. I spent this amount within the 3 months. I tried repeatedly to receive the {$150.00} credit! I wrote 2 letters to the bank president. No answer! I was given the executive offrice telephone number. No answer! I left a message and a computer voice said I would receive a call withi 24 hours. No call! I tried again! No call! I was given a consumer help number! But it was not a working nunber! I wanted to know my PIN number bipartisan this was impossible to get as aforementioned!
Consumer complaint received 2018-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALTERRA GROUP, LLC (FL)

Our loan originated with Alterra Home Loans on XX/XX/XXXX. In XX/XX/XXXX we requested to enter on a Forbearance plan due to the expenses caused by the mandatory evacuation of our area ( XXXX ) caused by Hurricane Irma. This was granted for 3 months with an extension for 3 more months, until XX/XX/XXXX. On that month, we started paying for a 3 months TRIAL period in which we were going to be deemed of a refinance of our loan ( meaning, moving the payments we didn't have to pay on the Forbearance plan to the end of the loan and pay it then ). 

On XX/XX/XXXX, our loan was passed/sold to XXXX XXXX. Since then it has been a total nightmare. Alterra never send them the totality of our paperwork, so they are saying we are severely delinquent, they have reported this to the Credit Bureaus and our score dropped significantly. I have been talking to XXXX for the last 4 months with absolutely NO improvements on our situation whatsoever. They are now calling us several times a week, nagging us about getting up to speed on our payments!! 

Be have never asked to have another loan servicer! and we are victims of two AWFUL, scrupulousness companies! 

We have paid as much an as regularly as it was asked by both companies and we have only received bad service and a considerable drop on our credit score, affecting our lives significantly. 

Please do something!! 

Thank you!
Consumer complaint received 2019-01-09
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: Experian Information Solutions Inc. (OH)

I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following addresses deleted.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following addresses and the variation on my name are not accurate. My name is XXXX XXXX XXXX, please delete all other variations. AS WELL AS Reoccurring Vehicles that continue reflect on my credit report associated with this address XXXX XXXX XXXX I HAVE NEVER OWNED A XXXX. XXXX, XXXX XXXX XXXX  XXXX WI XXXX I am no longer affiliated with these addresses. I would like to have my credit report to reflect true up to date that is accurate my current address XXXX XXXX XXXX , XXXX XXXX, OH XXXX I AM XXXX XXXX AS XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-08-22
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. (IL)

After sending information to verify myself with my disputeson XX/XX/XXXX and XX/XX/XXXX, XXXX, XXXX, & Transunion have not investigated or responded to disputed items on my credit report. They have violated the FCRA 30-day-to-respond regulation.Transunion finally responded XX/XX/XXXX but still in gross violation of FCRA regulations ....
Consumer complaint received 2019-01-09
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: CAVALRY INVESTMENTS, LLC (WA)

Old debt is sold or reassigned to another agency at the end of the seven year statute of limitations period only to reappear on all of my credit reports despite having disputed. There is no contract or acknowledgement of this supposed debt as it is not valid. It's cost me my job and now potentially future employment.
Consumer complaint received 2018-08-28
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. (PA)

XXXX XXXX XXXX on XX/XX/XXXX is showing 4 times on my Experian credit file for web loan with different PO Boxes and address. I have not applied nor no this company. I have also opt out since XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX opt out of sharing or any promotions and this should not be showing on my credit file. Experian is violating my rights after mailing them an opt out and selling or agreed with XXXX XXXX XXXX I also want to seek damages on Experian for allowing this to happen. I also want damages from XXXX XXXX XXXX there deceptive practices. 
Experian Report # XXXX for XX/XX/XXXX page 14 of 16
Consumer complaint received 2018-08-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (MD)

In XX/XX/2018, my husband and I submitted the final pay off balance on our auto loan during business hours online on the exact same day late charges and additional interest fees WOULD HAVE BEEN CHARGED had the payment NOT been credited by midnight the same day. Our payment posted and was credited to the account the same day BEFORE midnight. The late charge and additional interest was also adjusted. 

Our issue is the company website forced us to submit a final payment that included the additional charges, but when our payment was submitted timely ( and charges adjusted ), it never refunded the additional money it collected back to us. 

We contacted the company in early XXXX to find out when we should expect the refund, and the company denied owing us anything. After further conversation, we were transferred to another department that indicated that a claim would be initiated, we would be assigned a representative ( who was suppose to contact us within 48 hours ),  and the account would be audited. It is now almost XXXX and we have heard from no one as of yet. So much for 48 hours.
Consumer complaint received 2018-08-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo is failing to properly provide me access to alternatives to foreclosure. Wells Fargo unjustly denied me a modification back in XX/XX/2012 and failed to complete another review of my loan for retention options. My loan is now in foreclosure with a sale date and I am scared that their unfair treatment will cost my family the home we have lived in for 17 years. We had an unfortunate financial setback at the beginning of XX/XX/2012 and missed a few payments. When we attempted to get caught up on our mortgage payments, Wells Fargo turned down our payment. We attempted to get a modification on our mortgage, but they quickly turned us down and then spent SIX YEARS continually finding one reason or another never to finish a complete review. They wanted so many documents and we gave them everything they wanted. However, they said we did not get the documents in on time and shut us down. We became professional document senders and we believe they jut want to take our home away based on the fact that we have equity in our home. We are very far behind and it is their fault of that we have so many payments in arrears. When we speak with them they say they want to help us and they send us letters all the time saying they can help, but when I contact them I get nowhere. I am gainfully employed and can afford a reasonable payment, my loan qualifies for the government assistance programs and I can not understand why they won't start the process of getting me back on track.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate 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 investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$280000.00} XXXX XXXX XXXX Balance : {$620.00} XXXX  XXXX XXXX Balance : {$3800.00}
Consumer complaint received 2018-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NY)

In XX/XX/2018 .... American Express closed my two accounts stating payments were not being made to the accounts. Which my payment historys showed various payments to both accounts. Upon the accounts being closed American Express failed to send a final bill. After reporting this I recived a letter of apology. Again no final bill recived. American Express proceeded derogatory marks on my credit report about late payments, which the accounts were closed with no final bill received. Again I filed a complaint which American Express replied they no longer overseen the account since XXXX. Moving forward to contact credit collecting agency which has the accounts. Which I have done. American Express again made derogatory marks again increasing the amounts due. Again I filed a complaint and recived a letter that another credit collection agency is overseeing the the matter they have no control. Which has a different agency! 
Upon closure of the accounts Account ending # XXXX transferred to XXXX XXXX XX/XX/2018 {$960.00} Account ending # XXXX transferred to XXXX XXXX XXXX XX/XX/2018 {$320.00} American Express no longer handles accounts but will not remove derogatory marks Recently received a letter from another agency with different amounts. 
Was not made aware of American Express taking back the account to add additional fees Nor of the new collection agency