davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX i submitted a dispute to Experian re : an unverified and inaccurate account XXXX XXXXXXXXXXXXXX listed on my consumer file. this was sent via USPS tracking number XXXX XXXX XXXX XXXX XXXX received on XX/XX/XXXX, Asked for verification of ( a ) when was this account closed? and by whom? ( b ) how is it that from XX/XX/XXXX to XX/XX/XXXX only two on time current payments were posted, one negative on XX/XX/XXXX and data unavailable for the other years? over a seven year period. So are they reporting negative data on a closed account 6 years later? 
i emphasized that they are required to report correct and verifiable information. i showed many inconsistencies with this reporting of erroneous data, yet they updated the report on XX/XX/XXXX report number XXXX to reflect no credit limit, changed the on record date to XX/XX/XXXX from XX/XX/XXXX Not one questions or legitimate concerns was addressed nor any proof was submitted! XXXX on the other hand DELETED the same account. they are in multiple violations of the fair credit reporting act including 611.  ( a ) ( 5 ) ( A ) ( i ) ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 611 - 15 U.S.C. 1681i ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2020-02-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pendrick Capital Partners Holding, LLC (GA)

XX/XX/XXXX-Emergency visit to XXXX XXXX XXXX, they received our insurance information and treated our daughter. We paid co-pay and XXXX XXXX XXXX filed insurance claims for the hospital and XXXX XX/XX/XXXX- they were paid by our insurance. 

In XX/XX/XXXX-three years later, I noticed a new collections on the credit report. Requested a copy of the original bill. It was for a XX/XX/XXXX. XXXX XXXX XXXX XXXX. I contacted XXXX XX/XX/XXXX, XX/XX/XXXXXXXX, and the collections agency- this was never turned into insurance ( XXXX ) and we never received a billing at the time of servicel. XXXX XX/XX/XXXXrep said XX/XX/XXXX XXXX was not one of their emergency groups at that time and it is either fraudulent or someone made a mistake when entering. I need help because they keep moving it from collection agency to different agency. I keep disputing and even tried to get XXXX to pay but it was too old by the time we found out there was a bill. 

I have spent many, many hours of the days, emailing and calling trying to get this cleared up with no success. Please, any help would be appreciated.
Consumer complaint received 2022-10-11
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. (LA)

The mortgage was paid in full on XX/XX/XXXX. It is still showing incorrectly on all 3 credit reports. The account is closed but its still showing open with a balance which is impacting my score negatively.
Consumer complaint received 2019-08-01
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (TX)

I had my identity stolen for this and other pay day loans and taxes. It should also reflect in my personal social security information. Ive had the other pay day loan companies remove from my credit profile but Speedy Cash is very persistent. I also Im given a PIN number to file my taxes every year because of this. Ive tried for years to no avail and is hurting my opportunities to get mortgage and extended lines of credit.
Consumer complaint received 2022-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The list of informations and inquiries were inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that informations is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect informations and inquiries listed below : PREVIOUS ADDRESS : XXXX XXXX XXXX XX/XX/XXXX XXXX,XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX EMPLOYER : XXXXXX/XX/XXXX Date Updated : XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXXDate Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-03-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I requested a payoff on our mortgage with select portfolio services attorney, XXXX XXXX. I left a message with her on XX/XX/XXXX. She did not return my call for over a week. When she did finally return my call I requested a payoff letter. As of todays date, XX/XX/XXXX I have yet to receive that payoff. We have had our house on the market and had an offer and a contract on it. That contract fell through because we could not get a payoff from select portfolio services and the buyer cancelled. I have requested a payoff letter XXXX times. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. By phone and by email. They have cost us the sale of our home to avoid the foreclosure that is set to take place on XX/XX/XXXX. We are still in the process of trying to sell our home prior to the foreclosure date but without this payoff we can not. We are still in the process of trying to sell our home prior to the foreclosure date but without this payoff we can not sell as we dont have the payoff in writing. They are costing us a sale to avoid foreclosure. If we had the payoff in a good amount of time we could avoid the foreclosure. With the looming date less than XXXX days away it may be impossible to get a closing by XX/XX/XXXX.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2019-04-15
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. (MO)

To the three ( 3 ) major credit reporting agencies, please remove these accounts from my credit report, I have no relations to the following accounts, no contract, nor any knowledge of these accounts whatsoever. I'm demanding that they either be removed or verified by certified physical documentation. XXXX XXXX dealersvcs {$3600.00}, XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX {$470.00}, please delete the above accounts from my report.
Consumer complaint received 2020-02-13
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. (OH)

I have an unverified account from XXXX  XXXX. I had previously disputed this account. I have never done business with XXXX  XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX   XXXX  Cease and Desist all further communications and collection actives and provide the verification of the purported debt. 

Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from ( Your Name ) credit reports. I demand the account be verified or removed immediately! The law is very clear as to the Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.
Consumer complaint received 2020-02-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (KY)

This account was last active XX/XX/XXXX XXXX  an XXXX already removed these accounts. But Experian saying the account was open XXXX. I am asking can you remove these accounts from Experian report
Consumer complaint received 2022-07-05
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. (NY)

I have submitted disputes to you and have not got a response within 30 days. You are required by law to do so. Please investigate my disputes Please. Thank you.
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I have submitted disputes to you and have not got a response within 30 days. You are required by law to do so. Please investigate my disputes Please. Thank you.
Consumer complaint received 2020-09-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (LA)

In XXXX I had an account transferred to the collection agency known as IQ DATA INTERNATIONAL. On XX/XX/XXXX I contacted IQ DATA and requested a copy of the contract. I was told a contract was sent to me, the contract was sent to a previous address of XXXX XXXX XXXX XXXX, XXXX XXXX, LA. Therefore I never received the copy of the contract, I asked the agent on XX/XX/XXXX for a copy of the contract and he asked why I needed it. I stated I needed a copy of the contract because I would like to see the amount of interest and fees that is being added to the account. I was told by the agent to send a letter which I did and I have yet to receive a contract. The agent by the name of XXXX stated to me that the agency will not continue to send me a contract even though I never received the original contract, his exact words were " Were not going to keep sending you contracts because by law we don't have to ''. I am aware that under the FDCPA I am entitled to verification of the debt by validation with a statement or contract and IQ DATA is refusing to abide by that rule. The company states all calls are recorded therefore they should clearly be able to hear that the agent XXXX is repeatedly asking me why I need the contract and stating he doesn't have to show me why or how much interest is being charged. I simply asked for the copy of the contract from the original debt collector and a statement of fees and interest added an I was refused that right which I am entitled to, I have no verification of this debt from this company and they are refusing to provide me verification. I have a witness who over heard the phone call who would be willing to testify on my behalf that agent XXXX refused my request. I am enclosing the final letter I sent to IQ DATA and all of the letters I have sent to the bureaus concerning verification of this debt. XXXX  is repeatedly stating I am not writing my own letters to dispute the failure of IQ DATA to provide verification of the debt I hereby stating under penalty or perjury that I have been the sole writer of every dispute to sent to XXXX  and any collection agency.
Consumer complaint received 2020-02-13
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. (AR)

This is the first time I ever had identity theft. I am not sure the reason behind this, but I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these items for my account as soon as possible. 

01 XXXX XXXX XXXX XXXX {$86.00} XXXX   XXXX {$58000.00}
Consumer complaint received 2020-02-13
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. (CA)

FTC REPORT NUMBER XXXX PLEASE BLOCK FRADULENT ACCOUNTS ON MY CREDIT REPORT WITH XXXX. MY EMAIL IS XXXX. 
XXXX AND EQUIFAX HAS LOST MY INFO. 

FRADULENT ACCOUNT IS XXXX  XXXX  XXXX   XXXX XXXX {$610.00} $ TWO ACCOUNTS WITH DIFFERENT BALANCES PLEASE BLOCK FROM MY CREDIT REPORT. XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2020-02-13
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. (CA)

FTC REPORT NUMBER XXXX PLEASE BLOCK FRADULENT ACCOUNTS ON MY CREDIT REPORT WITH XXXX. MY EMAIL IS XXXX. 
XXXX AND XXXX  HAS LOST MY INFO. 

FRADULENT ACCOUNT IS XXXX  XXXX XXXX   XXXX XXXX {$610.00} $ TWO ACCOUNTS WITH DIFFERENT BALANCES PLEASE BLOCK FROM MY CREDIT REPORT. XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2020-02-13
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. (OH)

I have an unverified account from XXXX  XXXX. I had previously disputed this account. I have never done business with XXXX  XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX   XXXX  Cease and Desist all further communications and collection actives and provide the verification of the purported debt. 

Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from ( Your Name ) credit reports. I demand the account be verified or removed immediately! The law is very clear as to the Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.
Consumer complaint received 2020-02-13
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. (AR)

This is the first time I ever had identity theft. I am not sure the reason behind this, but I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these items for my account as soon as possible. 

01 XXXX XXXX XXXX XXXX {$86.00} XXXX   XXXX {$58000.00}
Consumer complaint received 2020-02-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NC)

This is the second time I have reached out for your assistance but I have not gotten any responses. I have been trying to modify my mortgage for over two years to make the payment more affordable. No payments have been accepted by them during this time. 
I was finally told in XXXX they would modify my mortgage and the payment would INCREASE due to the amount it was behind. I agreed to this. I was asked to submit paperwork and did. Several days later, I was contacted and said that was a MISTAKE and my relationship Manager should not have told me that. Since that time, they keep sending me info about foreclosure and a hearing is set for XX/XX/ 2019, not a sale date. At the same time, they assigned me a new Relationship Manager who knew nothing of my case and has not helped at all. I talked to the Ombudsman Dept who offered to have me pay {$25000.00} a month and XXXX down which I can not do. I countered with XXXX ( which is a double payment ). They said they would get back to me. Now, I am being told the " investor '' wont allow it. I called the investor and was told this is incorrect info. I also agree that I would sell my home if I had too but this " hearing '' should be stopped. No one is responding to me and the info I have been given time after time is inaccurate. I cant cure the past due because they have ruined my credit score during this. And are ignoring me and telling me lies. I am in the business and understand the huge amount of errors that have occurred. I need help either having them give me six to nine months to sell my home and they can be paid off completely or them accepting the {$8800.00} payment I have offered to catch this up. The left hand does not know what the right hand is doing and even the atty they hired has made many huge mistakes and compromised my privacy. Please help.
Consumer complaint received 2019-05-24
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: CORELOGIC INC (NY)

I was notified by XXXX XXXX that a hard inquiry was made on my credit by " CREDCO '' on XX/XX/2019. I did not authorize or consent to this and I do not recognize the company. My credit score has now declined as a result.