davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

My second mortgage hadaballoon payment due in XX/XX/XXXX witth Mr. Cooper i have triedd repeatedly to tal to mr , Cooper since XXXX also XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to get modification without success.
Consumer complaint received 2021-12-06
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. (GA)

I'm here to ask for your assistance with regards to my dispute XXXX days ago. I wasn't notified of any investigation taking place nor it's results. I hope that the accounts mentioned on my dispute will be deleted since all of them were misleading and falsely reported as being mine. Also, it's already past their investigation so everything must be deleted.
Consumer complaint received 2018-04-12
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. (VA)

FromXX/XX/XXXX to the last letter on XX/XX/XXXX, I have sent several correspondence letters to Experian to fix errors on my credit report. I have sent in dispute letters as well as a police report and FTC ID theft report and yet the XXXX account remains on my credit profile. The other two major CRA 's conducted their investigation and concluded with removing these items off of my credit profile because they did not belong to me.The next step is litigation after I have repeatedly given information and reports that were asked of me to get this fraudulent item and balance removed from my credit profile. Furthermore, no information is given from Experian other than the account is old to debate the information I have sent them. This is not how the FCRA dictates these investigations to be completed. A thorough investigation must be conducted and all individuals or documents received from the furnisher should be given which caused the verification must be released to me. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. Experian is well aware of current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). Experian has ignored my request to provide documents that they used to verify the disputed account which means that Experian has NOT verified or can not verify any of the account and under Section 611 ( 5 ) ( A ) of the FCRA, which required you to delete the items when I provided evidence of ID theft. I have repeatedly completed my job to rebut any fraudulent issues on my credit profile.It is now time for Experian to follow suit.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous account reporting on my Credit Report : XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$250.00}
Consumer complaint received 2021-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have been applying for rental properties and have now been denied for three homes as a result of false information provided by TransUnion rental screening products to third parties. I contacted the company XXXX, used by a company called XXXX XXXX to screen tenants for home rentals. XXXX XXXX informed me I was denied housing as a result of an eviction on my background screening. I contacted XXXX who verified they in fact, do rental screenings for the property management company and reported the information provided was false. I also provided proof of the inaccuracy as TransUnion reported I was evicted from a home I currently reside in. Their records state I have a forceable entry and judgment in the amounts of {$160.00} and {$120.00} dollars for a property I pay well over {$2000.00} to rent. Allegedly based on their information, this occurred in XXXX, however, during the COVID pandemic, I was affected, lost my job and got behind on my rent between late XXXX and early XXXX. I was successfully awarded over {$7000.00} in emergency rental assistance for the exact property TransUnion states I was evicted from in XXXX and have had no other issues affecting my rent, payments and have had no evictions occur.
Consumer complaint received 2019-08-27
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XX/XX/1979 XXXX : Requesting a Method of Verification Letter Dear Sir/Maam : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report.

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation.

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter.

I expect to receive a response within 30 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible.
Consumer complaint received 2018-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC. (CA)

Equifax has been non-compliant with removing the unverified account ( MEDICAL XXXX ) which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that ( MEDICAL ) was not established by myself but Equifax keeps verifying this account.Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-10-07
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)

I have contacted Trans Union credit reporting twice to remove the balance of {$600.00} being reported by XXXX XXXX XXXX on my credit report. I have ask for an investigation and all documentation from Trans union and XXXX XXXX XXXX. I was sent a notice from trans union that the investigation was complete and the debt is mine. I have not received any detailed documents from trans union about this debt. Trans union is fraudulently reporting this balance of {$600.00} on my credit report.
Consumer complaint received 2021-09-14
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. (AL)

Someone has stolen my identity and using my ss # on the XXXX XXXX. First I want to state on my Equifax report there are several addresses for me in XXXX XXXX Nevada that aren't mine and neither have I ever lived there they are listed below XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada I never resided at any of these addresses I live in XXXX, Al Also there are fraudulent accounts in my name that was open up in XXXX XXXX Nevada and again I reside in XXXX, Alabama These are the accounts please investigate these fraudulent accounts and remove and also see where my information. Was found in over 23 data breech I am uploading. Please remove these fraudulent accounts ASAP XXXX XXXX XXXX
Consumer complaint received 2018-10-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

In the last few months, I have mailed in multiple additional principal payments, only to have them be placed incorrectly in suspense accounts, be applied incorrectly as payments, despite mailing them to the specific address at XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX, in XXXX California XXXX as instructed by Carrington Mortgage representatives. As a result, I have been paying mortgage interest at 6 %.
Consumer complaint received 2022-06-11
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. (GA)

InXX/XX/XXXX XXXX XXXX closed my account with me still making payments after they had closed the account then on XX/XX/2019 Open the account back up and came to repo the XXXX XXXX XXXX from me and closed the account again. Then reported it to the credit agency as a {$0.00} balance then reported a {$3400.00} balance and now reporting a {$9900.00} balance. When trying to get the car back I was given the incorrect information about where the vehicle was located. I was given your information from Experian Yesterday after fight with them all this time!
Consumer complaint received 2019-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2019 XXXX XXXX took out {$290.00} of my account with out my permission, I notified Chase on XX/XX/2019 when I noticed the transaction to dispute the charge and refund my money. 

Chase had me file a claim on the phone and go into the local branch to file another after telling me they denied the claim because I had done business in the past with this company. I informed them having done business in the past does not give anyone the right to take out of my account without my permission.
Consumer complaint received 2018-03-12
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Firstsource Business Process Services, LLC (LA)

XXXX, from XXXX XXXX  keeps calling me. 

This is regarding medical debt that I am both partially disputing the amount as well as trying to negotiate my final owe amount. I've already sent them two ( non-certified letters ), and I had explicitly stated that I would only deal with them via email. There is no reason for them to keep calling me.

Every-time they do call, but coincidence I wasn't able to pick up, and when I call back I am getting to their call center with no extension. One time I've picked up the phone, and they must have hung up when I tried speaking.

I am assuming that this isn't out of malice on their part to harass me, just gross incompetence with their phone system. But either way, please tell them to stop calling me.
Consumer complaint received 2021-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2019-08-27
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. (AR)

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NV, XXXX To : XXXX Dispute Department 1. DELETE XXXX  XXXX XXXX XXXX because of multiple inaccuraciesXXXX 1. it is a closed account that is still reporting current activity with failures to pay reporting in the Payment History section of this list on '' XXXX ``. 2. TranUnion is reporting that his charge-off Updated on XX/XX/2019 in the Status Updated section of this listing. However, XXXX is reporting that this charge off updated XX/XX/2019. in the Status Updated section of this listing. Which is it? This account is inaccurate. Please Delete Because of this apparent neglect in ensuring everything on my report is accurate, consistent and up to date please Delete these items immediately! And send me another credit report. 

Included is my dispute letter and a copy of my State Id, Social Security Card.
Consumer complaint received 2018-04-12
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. (NJ)

All of my school loans were transferred or sold and the credit bureaus are reporting the multiple loans as duplicates. On or about XX/XX/2017 I submitted an online dispute via Credit for those duplicate reports but the bureaus claim that the lenders resolved it which is not true. I called the lenders and they said they would fix it but it never happened. I am being denied credit because it appears that I have taken out numerous loans but the student loan lenders refuse to report properly as well as the credit bureaus after speaking to them on the phone. They are pointing to each other and giving me the run around. I was emailed the results and nothing has changed. My school loans are currently being paid thru the School Debt Relief Act and the disputed closed accounts are mostly over 7 years old.
Consumer complaint received 2018-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC (TX)

This company which I hold no contract with, nor have received services from, reported a collection account against my SSN in the amount of {$370.00}. I sent a certified letter asking for validation with a signed contract, and received no response. I filed a complaint with the CFPB on XX/XX/XXXX. JH portfolio responded on XX/XX/XXXX. However, they still did not show adequate proof of validation. They sent me a bill. According to FCRA that is not proper validation. Proper validation, I requested was a signed contract. Considering this business has not provided proper validation, Im not obligated to pay the alleged debt.
Consumer complaint received 2018-11-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Centron Services (MT)

received a bill from " XXXX XXXX '' dated XX/XX/2018 said I have an amount due {$660.00} to " XXXX XXXX XXXX '' which I'm sure I don't. 
I sent an email to XXXX XXXX XXXX but haven't received a reply from them yet.
Consumer complaint received 2018-11-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (SC)

This company XXXX XXXX XXXX a collection agency date XX/XX/2018 is charging me XXXX dollars where, I downloaded the cell phone equipment to the XXXX company. Where is affeting me in my Credit bureau and I tried to talk to them but they want to be paid that amount of money, where I do not owe that money ...
Consumer complaint received 2018-11-19
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: Diversified Consultants, Inc. (IL)

XXXX has been non-compliant with removing the unverified account DIVERSIFIED CONSULTANTS INC which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that DIVERSIFIED CONSULTANTS INC was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2019-08-27
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. (FL)

Experian is reporting incorrectly a collection in the amount of {$450.00} on XXXX partial account number XXXX. ( Please see page 15 of the attached credit report. ) This account does not belong to me and was opened fraudulently. I do not, now or in the past, have ever had a XXXX account. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I do not owe this. I have contacted the bureau to remove this item however, I have not been successful.
Consumer complaint received 2018-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (FL)

On the following dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Chase Bank Usa, N.A filed 3 separate hard inquiries on my XXXX credit report. Although, I never authorized any of these inquiries, I never even applied for a Chase card. These inquiries are dropping my score and I would like to get them off of my report as soon as possible. Thank you so much for your time and help.