davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

On XX/XX/XXXX my credit score went down XXXX points as XXXX XXXX XXXX XXXX reported there was 30 day late payment which was an error. The car was a loss and was paid in full along with the monthly payments which were paid on time. I tried filing a dispute online with Equifax and was provided a number to call. When I called they asked for a credit report ID # which I don't have. Please ask Equifax to research why my credit score went down XXXX points.
Consumer complaint received 2022-07-22
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: EQUIFAX, INC. (LA)

inquiries was not done by me XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( ON THE REPORT 2 TIMES ) EQUIFAX XXXX XXXX ( ON THE REPORT 3TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX XXXX XXXXXXXX ( ON THE REPORT 3 TIMES ) XXXX EQUIFAX XXXX ( ON THE REPORT 3TIMES ) XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I requested my credit report from Equifax on XX/XX/2019. I saw that there was negative information reported by XXXX XXXX XXXX in the file that Equifax maintains under my Social Security Number.  Upon reviewing that copy of my credit report, I saw an entry listing an account was charged off {$790.00}. I wrote and certified mailed a letter to Equifax challenging the accuracy, compliance and reportability of this listing. I ask them to please validate that information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. I requested in the absence of any such documentation bearing my signature, I formally requested tthat the information be immediately deleted from the credit file they maintain under my Social Security Number. I also stated that I do not consent to XXXX  or any means of automated verification. 
They replied back XXXX XXXXr XXXX " Verified '' that the account they are reporting under my name is accurate. I then on XXXX XXXX certified mailed another letter to Equifax Requesting that the description of the procedure used to determine the accuracy and completeness of the information was being requested, to be provided within 15 days of the completion of their re-investigation. Additionally, to please provide the name, address and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. And that any automated response or XXXX  verification is unacceptable. I requested a re-investigation and their method of verification. They did not reply back in 30 days so on XX/XX/2019 I sent a third certified mail letter letting them know that by not repying in a timely manner to my initial letter they not only violated federal law, but they had failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. And I have evidence via certified mail receipts, so they must remove the item.
Consumer complaint received 2020-12-22
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. (GA)

I noticed a Collection on my XXXX XXXX & Experian credit report on XX/XX/2020 XXXXXXXX XXXX is reporting a balance on my Credit Report for {$3900.00} which is not my Account
Consumer complaint received 2019-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MA)

On XX/XX/XXXX, PHH took over our mortgage from Ocwen. Ocwen deducted {$800.00} on XX/XX/XXXX from our XXXX XXXX  checking account. Of that amount, Ocwen sent PHH {$650.00}. They are now saying we owe them {$140.00}, which they say is a " suspended balance. '' The full amount was deducted and Ocwen is responsible for sending PHH the remaining balance, which will bring us up to date through XX/XX/XXXX. 

Also, due to the " suspended balance '', we were told a payment made the date of this complaint covering the month of would be applied as a payment for XX/XX/XXXX, which should be paid in full. 

We spoke with XXXX, and received a confirmation number from PHH : XXXX Thank you.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've had credit alerts and a freeze on my reports but there's been constant fraud with my credit reports and refusal of investigation of any form even after mailing in a police report proving identity theft and credit freezes/alerts for the past XXXX years. 
I just received a call this morning from a lender that a loan was approved in my name this morning. I had just woken up a few minutes prior to this call and I haven't applied for anything.
Consumer complaint received 2023-03-22
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. (PA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$2700.00} XXXX XX/XX/XXXX
Consumer complaint received 2019-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed there were still a couple of items on my credit report that are not mine. This is unacceptable. I've reached out to the FTC and my local police department and I am doing this on my own behalf. I need these items deleted from my report. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX, XXXX.
Consumer complaint received 2024-04-28
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: EQUIFAX, INC. (TX)

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The multiple inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI Section 611-15 USC 1681i, you are to comply with laws and regulations regarding re-investigation of any and all inaccurate information. Please delete this account immediately and send me an update of my credit report.
Consumer complaint received 2019-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed there were still a couple of items on my credit report that are not mine. This is unacceptable. I've reached out to the FTC and my local police department and I am doing this on my own behalf. I need these items deleted from my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

I have had numerous ongoing issues with PayPal Credit as well as my PayPal Credit Mastercard. 

The majority of the issues stems from billing disputes, whether found in my favor or not, I do not always get the money returned to me. I have issues as well with denied disputes and errors made during the appeal and escalation process and I have made numerous contacts over the years because this has been costing me money, in lost refunds never returned to me from PayPal. Even when I have managed to resolve issues on my own independently and get the merchant to eventually refund me, PayPal will credit the wrong account, some other account that they did not take the money from in the first place. They have also debited the incorrect account, and take more than was in the account, even though that particular account had no relationship whatsoever with the account in dispute. I will include several attachments so that you can see what has transpired. I have made my last call today and sent my last emails to escalate and remedy any and all of these issues. Even with admittedly owing me {$150.00} they still have not returned this in over three years, and that will be attached too.
Consumer complaint received 2023-03-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

Experian " validated '' the debt I disputed XX/XX/2023 for XXXX XXXX. I have NO IDEA what this is, where it come from and it is now affecting my ability to apply for a mortgage! They validated the debt with out anything I required ( within 30 days, the original signature on the contract ). XXXX and XXXX have not removed the debt either and it's been over 30 days so this should be removed on all bureaus.
Consumer complaint received 2019-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (FL)

After reviewing the financial history of account, below are the items I believe are in inaccurate and would like to formally dispute. 

XX/XX/XXXX a bill/due date in the amount of {$990.00} that differs from the principal but without detailed, itemized expenses. 
XX/XX/XXXX late charge of {$30.00} that should not have been assessed. 
XX/XX/XXXX a final payment of {$240.00} was made which was the amount that a Westlake representative stated was the remaining amount due. 

According to the payment history sent by Westlake on XX/XX/XXXX, there is a balance of {$16.00} that was remaining but there is no bill/due date noted that shows at any time any representative of Westlake either by mail or telephonically informed me of the {$16.00} balance. 

XX/XX/XXXX notes that the account was noted as a Charge Off even though the loan had been completely paid off via the amount Westlake stated on XX/XX/XXXX and I was never notified of a remaining balance of {$16.00}. 
XX/XX/XXXX notes an additional repossession expense charge off in the amount of {$400.00} that should not have been assessed as it was previously paid and again not in the stated pay off amount, via Westlake Financial on XX/XX/XXXX. 
XX/XX/XXXX late charge off fees of {$120.00} that should not have been assessed. 
XX/XX/XXXX non sufficient funds fee/charge off fees of {$25.00} that should not have been assessed. 
XX/XX/XXXX interest fees/charge off of {$.00} that should not have been assessed. 

In addition, the amounts paid on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX equates to a total of {$1000.00} which is greater than the final bill/due date that was sent on XX/XX/XXXX and stated a final payment of {$990.00}. This was the last bill/payment request that Westlake Financial mailed to me. 

On or around XX/XX/XXXX the paid off vehicle that this loan was secured on was traded in to XXXX XXXX XXXX in XXXX XXXX, VA. Legal ownership of the vehicle then transferred. The XX/XX/XXXX payment in the amount of {$560.00} should not be represented on my financial history account as the final payment as made on XX/XX/XXXX, the vehicle was sold to the dealership on or around XX/XX/XXXX, thus I was no longer the legal owner or in possession of the vehicle on XX/XX/XXXX. This payment activity transpired 9 months after legal ownership had transferred.
Consumer complaint received 2019-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I AM A VICTIM OF IDENTITY THEFT AND REPORTED THIS FACT TO THE THREE MAJOR CREDIT BUREAUS. EXPERIAN REFUSES TO REMOVE THE INACCURATE INFORMATION FROM MY FILES.
Consumer complaint received 2019-07-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EZ FUNDINGS Inc. (CA)

Hi, this person is marketing himself as a licensed loan officer or " team lead '' with " EZ Fundings '' When I tried to look him up on nmlsconsumeraccess I actually do not believe he is licensed. Please see this image : https : XXXX? XXXX & XXXX & XXXX & XXXX & XXXX I looked him up by name and NMLS # he has posted. It does not exist.
Consumer complaint received 2019-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Multiple address that is incorrect s reporting on my credit file XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-04-26
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: EQUIFAX, INC. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2019-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On approximately XX/XX/2019 I contacted XXXX XXXX regarding my lease on my XXXX XXXX XXXX XXXX XXXX. I explained to them that every payment is reporting 30 to 60 days late on my Trans Union credit report. They explained to me that they've known about the situation for a long time and that every one of the customers in the customer base is reporting late and that I would have to dispute it on the Trans Union website and they would fix it. My issue with this is I knew absolutely nothing about it being reported late until I was trying to get financing on a new truck. I called them on XX/XX/2019 to see if they had or were going to fix it and I was told they can't do anything until they get paperwork from Trans Union. I did get a printout of my payments showing not one single payment was late. Now that this has happened I have bought the truck but the interest rate went from 6.25 % to 12.25 % until it gets fixed and I refinance the auto loan. My concern is that if it's happened to me with not knowing until I try to get a loan, what about other customers they have that they are doing the same thing to? I had to learn the hard way and I'm now paying more for a truck with interest because of their mess up. Is there anything I can do in this situation?
Consumer complaint received 2019-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Hello I went to apply for a home loan so I can purchase a home for my new baby that is due this summer and I went to my credit union to apply for a home loan and I was denied. My loan officer gave me a copy of my report and there are still things on there that are not mine. I've reached out to the FTC and to my local police department, and I am doing this on my own behalf. Again please remove these items from my credit so that I can purchase a home for my family. XXXX XXXX, XXXX, XXXX XXXX XXXX.
Consumer complaint received 2019-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LoanCare, LLC (MD)

On XX/XX/XXXX I had Bankruptcy chapter 7 and I own a house in XXXX XXXX XXXX. XXXX, MD XXXX and I was refinance my house with XXXX and my account was DISCHARGED IN BANKRUPTCY so my loan was never in my credit report, last month in XX/XX/XXXX this loan was transferred to LOANCARE their address XXXX XXXX XXXX XXXX, PA XXXX and my loan number with them is XXXX. 
LOANCARE send this loan to my credit report, I called them today XX/XX/XXXX at XXXX XXXX I was online for more that an hour with XXXX then XXXX to remove my loan from the credit report because I had this loan while DISCHARGED IN BANKRUPTCY but still no help. 
I want from LOANCARE to remove my loan from my credit report because of the BANKRUPTCY.
Consumer complaint received 2023-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc. (MA)

On XX/XX/XXXX, XXXX and XXXX of XXXX, I made a payment each day to Avant credit card. By XX/XX/2022, Credit available and credit limit were the same at {$300.00}. XXXX was paid in full. On XX/XX/2022, I looked at the account online. It showed a charge of {$3.00}. An email from Avant clearly states it is an interest charge for XX/XX/2022. I sent letters, received no reply. Avant sent me a letter stating that they had sold the account to a collection agency and the amount now owed is {$100.00}. I sent all the info I had to that collection agency. I then received another letter from Avant stating they sold the account to another collection agency. After waiting for a while, heard nothing from this XXXX collections, I called them. The man I spoke to said they could not collect on the debt nor could they report it to the credit Bureau. I sent a Letter of Intent to Avant XXXX. I've yet to receive a response. I would like to file a law suit as they have yet to correct the info on both XXXX XXXX and XXXX XXXX. It is not a charge off or delinquent. I do not owe them. It is paid in full.
Consumer complaint received 2021-04-19
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. (KY)

This is a written request that you investigate specific items that I believe to be reported in error. Its identity theft. These accounts are not mine they are fakes. This terrible situation is causing me financial and emotional distress because of their unknown nature. The following items must be deleted. Thank you
Consumer complaint received 2022-07-22
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions