davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-18
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC. (AZ)

We were suppose to close on my loan the XX/XX/XXXX, we were told on the XX/XX/XXXXthe agent no longer is with the company and neither of his boss and has been gone for a week so no one got back to me. I was under the impression we were all good and then I hear we will not close In time so I need to reschedule for furniture to be delivered and house services such as WiFi cable and electricity. This is not okay I had everything set up, all ready to go. Had movers a truck and now I have to pay fees for switching the day or get stuff delivered my current place as well so even more stuff to move. I also have to stay here a week longer which that will be an additional cost. It was completely unprofessional, I had no one try to make it right with me at all. Just saying we are working on getting you all done. I said I think I just want to go a different direction and they were completely fine. Like my business means nothing. I would have stayed with the company if they tried to make things right but there was no effort.
Consumer complaint received 2022-07-12
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. (MI)

I was incarcerated from XXXX XXXX Ive reached out to the credit company to get my information corrected and fraudulent information removed yet no one has done anything to help me there is also a deceased indicator on my file that Ive also asked to be removed
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I was incarcerated from XXXX XXXX Ive reached out to the credit company to get my information corrected and fraudulent information removed yet no one has done anything to help me there is also a deceased indicator on my file that Ive also asked to be removed
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

I was incarcerated from XXXX XXXX Ive reached out to the credit company to get my information corrected and fraudulent information removed yet no one has done anything to help me there is also a deceased indicator on my file that Ive also asked to be removed
Consumer complaint received 2022-07-10
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: ENCORE CAPITAL GROUP INC. (VA)

To whom this may concern, I received 3 diferent credit bureaus reports with intentions of trying to improve my credit and take care of my responsibilities and noticed a few accounts that are reporting different inaccuracies to each credit bureau. I want a little more explantion on how that is possible they are legally allowed to do such a thing. There were no acoount numbers provided on my reports to submit. 

Company # 1 MIDLAND CREDIT MANAGEMEN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX # 2 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX # 3 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX I also read something called the Fair Credit Reporting Act ( 15 U.S.C Sec. 1681i ( A ) ) where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. I have made several attempts by reaching out to the 2 companys, but it was with no resolve. 

Respectfully, XXXX XXXX
Consumer complaint received 2023-03-24
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on 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
Consumer complaint received 2018-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was writing to inform you that there are still items are my credit report that are not mine. Please have these items removed from my credit report immediately as they are not mine. I have already contacted my local police and the FTC. Again these accounts are not mine and if they are not removed I will just have to go to the next step. This isnt fair that I have to go through so many loops to get these remaining items removed. XXXX  XXXX, Chapter XXXX Bankruptcy Discharged, XXXX.
Consumer complaint received 2018-11-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file.
Consumer complaint received 2018-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have submitted a valid police report to XXXX, and Equifax since XX/XX/2018. XXXX  and Equifax advised me my police report was not valid, that is not true. My report is a valid police report, from the XXXX Police Department, and this report can be verified. I live in a local town, I went back to the police department and was advised no one contacted the police department to verify if this report was valid or not. However, it is a valid report. 

My life has been a complete nightmare, for I have been denied credit, turned down employment, and unable to provide adequate shelter for me and my XXXX sons. 
I am a victim of identity theft, from a data breach, enclosed is a copy of the Class Action Settlement that I am a valid member and have been provided free credit monitoring services. 

There are several fraudulent accounts that has reported on my credit bureau I have fought with these credit agencies for over four months to remove this information. I have provided the credit agencies letters, from the many companies advising me that I am not liable for the accounts and they would remove it. But for some reason these credit bureaus refuse to remove it.
Consumer complaint received 2018-11-15
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. (DE)

On XX/XX/2018, I lifted a security freeze on my credit reports with Experian to allow a lender to check my credit. I used their website to lift the freeze. On XX/XX/2018, I attempted to put the security freeze back in place since my lender had received the necessary information. When I tried to use their website, I was prevented from putting the freeze in place and was referred to a phone number at Experian. The website states that freezes can be placed by phone, but provides nothing more than recorded instructions to submit a freeze request by mail, a process that I have attempted to use in the past with no success. There is also no way to talk to a customer service representative that I have been able to find. 

All of the other credit agencies allow placing freezes on their websites, and make it simple to place a freeze on MY CREDIT INFORMATION. Experian has made it purposely difficult to place freezes on credit information, and this is NOT the first time I have had this problem. This is unacceptable. I believe the Experian is actually trying to prevent consumers from protecting their personal financial information by making it as difficult and time consuming as possible.
Consumer complaint received 2018-11-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

send Transunion, XXXX  and XXXX a dispute for XXXX XXXX XXXX, XXXX Acount number XXXX and another account XXXX I asked for Contact seeing they own the Debt with my Signature also for Validation of the debt Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
Consumer complaint received 2018-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

My identity was stolen in 2012. One of the address 's is listed as mine on the credit report along with three phone numbers and a spelling of my name that I don't recognize. I would like the address, name, and phone numbers removed from the report. Criminal charges where filed they where found to be guilty and are serving out sentence.
Consumer complaint received 2018-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I purchased a vehicle from XXXX XXXX XXXX XXXX XX/XX/2012 made payments of {$290.00} a month after having the car less than a year I have spent over {$8000.00} on repairs I contacted XXXX XXXX XXXX XXXX   because now I was told by a mechanic I needed a new engine estimated to be around {$4000.00} They agreed to let me have the car towed to the dealership because it was not able to drive it and give them the car back. I found out they had nver put a title in my name or applied any of my payments towards to principal of the loan.
Consumer complaint received 2023-03-24
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. (NV)

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 this account ( A ). It is not permissible to fail to validate this reporting account 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 XXXX Balance : {$810.00}.
Consumer complaint received 2016-05-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

My escrow payment calculation ( per month ) went from {$330.00} to {$3900.00} per month. My total monthly payment increased from {$1200.00} to {$4800.00}. I called on 3 seperate occasions to have the issue resolved however nothing has been done. I would expect a mistake of this magnitude to be fixed promptly but it has basically been ignored.
Consumer complaint received 2022-07-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: American Financial Network Inc. (CT)

THESE ACTIONS ARE ALL TO PUFF THE PRICE OF MORTGAGES ON SECONDARY MARKET OR WHAT CAUSED THE XXXX CRASH THAT ALMOST PUT US INTO A DEPRESSION. 

See attachment herein. American Financial Network recently or yesterday emailed me and asked if I send email attachments in PDF only. This request was after over a thousand emails of correspondence which I had to do because I was continually told different stories about whether I had the right documents by XXXX and American Financial Network. I was told different things even by the same representatives during single conversations, in same day by 2 different representative, and continually every time I called with few to no exceptions. It's 100 % certain that American Financial Network and or XXXX  are going to complain about and use the volume of my emails as an excuse for their actions but the reality is that due to constantly being told different stories/statements about what I had and didn't have, I had no choice but to send voluminous duplicate emails because of continually being told certain documents or all documents that I mailed or emailed were not received. 

Also look at the SECOND ATTACHMENT. Here I was sent contradictory and confusing documents ON THE SAME DAY!! HOWEVER, although both documents are dated the same day of XX/XX/XXXX THE DOCUMENT WITH the XX/XX/XXXX deadline was mailed to me on XX/XX/XXXX and of course never emailed. This company is EVEN doing fraud and deceptive practices IN ORDER TO put me in a bad position and make me fight and be in a compromising position when negotiating. Kind of like coming to an agreement as someone is hung outside a 30 story window in some ways. 

See there new defense they are concocting herein, in attachment. They want to claim that what I sent previously by word was not acceptable. To make this right, the mortgage should be dissolved to a XXXX balance and company trained in having consistency that customers can follow. I believe that due to concerns about the price to sell mortgages at on the secondary market, these companies or American Financial Network and XXXX are using deceptive business practices to avoid doing loan modifications and forbearance of mortgages. This is done so that the mortgages are sold for a significantly higher price on the secondary market such as with the XXXX inflated price scam that put us into the crash.
Consumer complaint received 2017-11-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Model Finance Company (TX)

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 
I am a victim of identity theft and noticed a collection from MODEL FINANCE COMPANY. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against MODEL FINANCE COMPANY in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2022-07-12
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. (MI)

These accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7600.00}
Consumer complaint received 2022-07-12
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. (MI)

These accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} SOC SEC ADMIN OFFICE O XXXX XXXX : {$790.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$7600.00}
Consumer complaint received 2018-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Someone hacked my network and stole my personal information and stole my identity and opened up accounts in my name. I do not know who it was, but all I know is that there was various accounts on my credit report. I filed a police report and an affidavit with the credit bureaus. XXXX   and XXXX  removed/blocked the fraudulent information but Equifax have not and refused to remove the fraudulent account. There are five accounts which need to be removed, which are : XXXX XXXX XXXX-Balance : {$6300.00}, XXXX XXXX-Balance : {$15000.00}, XXXX XXXX XXXX XXXX-Balance :  {$40000.00}, XXXX XXXX- Balance : {$18000.00}, and XXXX XXXX : Balance : {$52000.00}. Please remove immediately because these accounts are not mine and are fraudulent.
Consumer complaint received 2022-07-12
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. (MI)

These accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported XXXX XX/XX/2012
Consumer complaint received 2017-11-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (IL)

I contacted Midland Funding on XX/XX/XXXX to request a hardship on a XXXX XXXX ( XXXX ) collection account. After reading in Midland Fundings website it clearly states : -We suspend collection activities when a consumer demonstrates that he or she is experiencing significant financial hardship due to medical issues. 
-We suspend collection activities when a consumer is a direct victim of a natural or other catastrophic disaster. 
-We cease collection activities when we receive documentation indicating that the consumers only source of income is from exempt sources, such as Social Security or Supplemental Security Income benefits, and that the consumer has access to no other assets. We work with and are sensitive to consumers who encounter unforeseen circumstances, such as job loss. 

I informed the company of my medical diagnosis " XXXX XXXX '' I was diagnosed in XX/XX/XXXX.  Because of XXXX treatment I was unable to maintain my employment with XXXX XXXX. I lost my housing during that time as well. Over the last 2 months my children and I have lived at XXXX XXXX. And I receive {$380.00} monthly in child support. 

On XX/XX/XXXX I faxed over documents : verification of shelter stay, and court ordered child support. I was told by my account manager that I did not qualify for a hardship. I stated THEIR company verbiage that according to them qualifies you for a hardship ; which is listed not their website. I was instructed to resubmit the documents and I would be notified through mail. I told my account Rep that I did n't have a current address, she then stated that she would contact me via telephone with the status approval/denied. As of today XX/XX/XXXX I have not been contact by anyone at Midland Funding LLC.