davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-04
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Specialized Loan Servicing Holdings LLC (MI)

I had a second mortgage with XXXX  XXXX XXXX. I was in the process of refinancing the mortgage. XXXX XXXX XXXX sold the debt to XXXX XXXX then that company sold the debt to Specialized Loan Servicing. The company started putting notices on my door saying I owed them a debt. A person would come to my house, tape a letter to my door then take a picture. They would also have people say they were inspectors taking pictures of my home to foreclose. I mailed a certified letter to Specialized Loan Servicing on XX/XX/XXXX. They signed for the letter on XX/XX/XXXX. I have the receipt and a letter back from them. Their letter states that my case is under review. In my letter, I asked Specialized Loan to provide me with the documents for the loan with my signature and the information for the loan. I asked Specialized Loan to verify the debt. I asked for the name and address of the original creditor, the account number and the amount owed. I waited for them to provide me with the information I requested in my certified letter. On XX/XX/XXXX, I sent another certified letter to Specialized Loan Servicing. They signed for it on XX/XX/XXXX. I informed them that they have failed to follow state and federal timelines. I informed them that they must stop contacting me, remove anything from my credit report and stop taping letters to my door. I informed them that sending a bill is not proof of a debt. I asked them to provide the method that they used to verify this account and what method did they use to make certain that the account was accurate. I provided them with the Michigan Attorney General timelines via a website link. I never heard from them regarding my request. They only send out bills. I recently received a letter from them stating that I was in default and their intent to foreclose on my home. XXXX  XXXX XXXX was not my first mortgage. They were the second mortgage. Specialized Loan Servicing is requesting {$5100.00}. Their request isn't for the loan they feel I owe. They are requesting what they want in fees. They have stated that if I don't pay by XX/XX/XXXX, they will be foreclosing.
Consumer complaint received 2022-04-04
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: EQUIFAX, INC. (NC)

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you haventnotated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.
Consumer complaint received 2022-04-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (PA)

This company LVNV has brought a lawsuit against me I notified them I want proof it is mine- I am sending the email I received and there is no proof it is mine. Also it is 7 years old and after 7 years if it is mine it is supposed to be off your credit report - this account is not even on my credit report I never had an account with XXXX XXXX  ( have no idea what that is ). I want this law suit dropped. I also want punitive damages of {$1500.00} for the damages they are doing to my name XXXX! I'm XXXX and I'm here to explain who we are, what we do, and how it all impacts you. Let 's start by discussing some information about your account. 
The account ending in XXXX was charged off and sold by XXXX on XX/XX/2015. Please note, the account has been purchased and re-homed to LVNV Funding LLC. LVNV Funding LLC outsources the management of its portfolio of accounts to our company, Resurgent Capital Services. 

We know paying off debt can feel overwhelming, but rest assured we've helped millions of people just like you resolve outstanding debt and we're confident that we can find a solution that works for you, too!
Consumer complaint received 2019-06-15
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: AES/PHEAA (NY)

I have a loan with FEDLOAN. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and FEDLOAN with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2022-04-04
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: Experian Information Solutions Inc. (PA)

Experian reduced credit score XXXX points for opening a new unsecured installed loan other credit agencies only reduced score by a few points
Consumer complaint received 2024-03-04
Product: Credit reporting 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. (GA)

I did not apply to these companies below XXXX - XX/XX/XXXX XXXX XXXX XXXX -Inquiry , XX/XX/XXXX XXXX -Inquiry, XX/XX/XXXX XXXX -Inquiry, XX/XX/XXXX XXXX XXXX XXXX XXXX -Inquiry XXXX XX/XX/XXXX & XXXX XXXX XXXX -Inquiry XX/XX/XXXX XXXX XXXX  XXXX -Inquiry XX/XX/XXXX XXXX XXXX XXXX -Inquiry Trans Union XX/XX/XXXX & XX/XX/2022 - XXXX XXXX -Inquiry
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 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 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

In XXXX of 2020. I got an alert from XXXX. XXXX that I was over 30 days. I called, they ask that I forward an email to them explaining.. by, their records- I had never been late. I forward a letter to them w/credit report, in a dispute - the 30 days on the XXXX went away,. 

Now it has came back.. 

I put a dispute in again with Experian ( which is a Joke ) couple of weeks ago and I received a letter from the mortgage company ( XXXX  ) Stating I had never been late, EVER. Again, I got ahold of mortgage company and they said to file another dispute with Experian, because I do not show late. Cause, they are the ones that causing this. Which I have again 3 times.. no one is taking the responsibility for this as I am in the middle and it is effecting my FICO score.. This is way the Dispute.
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAVALRY INVESTMENTS, LLC (GA)

On XX/XX/XXXX  after speaking with Mr. XXXX one of the managers at Calvary portfolio, this account was settled for the amount of XXXX and paid. As agreed upon The information would be deleted from their account as well as all XXXX Credit report bureaus. This was reconfirmed with two other Calvary employees, their names are XXXX XXXX and XXXX XXXX. I was also emailed a letter stating the account has been paid and per their policy which is located on their site once the account has been paid they are required to delete the account and request it be removed from all 3 credit bureaus.
Consumer complaint received 2020-09-16
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. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2022-04-04
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)

In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX and 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
Consumer complaint received 2022-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I have called numerous times, most recently XX/XX/XXXX and XX/XX/XXXX. I am on hold for hours, and often the call is disconnected. On XX/XX/XXXX I was able to get through, only to be told I was on the incorrect line and needed to be connected to loan forgiveness. I was disconnected, called again, finally got through to loan forgiveness and was told, without explanation that my XXXX and XXXX employment certification forms have not been processed. No time estimate, no next steps. Just that it can take weeks or months. 

I have made XXXX qualifying payments as of XX/XX/XXXX, but am not eligible for forgiveness yet because they have not re-certified my employment ( same employer for past 10 years ). I do not want to make additional payments simply because they have not decertified my employment.
Consumer complaint received 2022-04-04
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 am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2022-04-04
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)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2022-04-04
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 am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2019-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/19, I called TD customer service to first check on status of never received replacement card requested via mail months ago and also requested annual fee reversal due to non receipt of new card. The initial rep had given me incorrect info and what I feel was a lie when saying she did not have access to My acct. she also told me I could go to any td bank branch which could offer instant replacement which was not correct after speaking to supervisor. Supervisor lead me to Believe that she would advocate for fee reversal to earlier unpleasant experience with earlier rep
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is creating undue stress, and I implore you to quickly correct it by ensuring my records are updated accordingly.
Consumer complaint received 2020-09-16
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: EQUIFAX, INC. (MD)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days 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. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-01-08
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. (AL)

Set an letter and I havent gotten a response. They are violating FCRA USC 15 1681 G and they have not responded to me and its been over 30 days. Please remove This in accurate information from my credit report
Consumer complaint received 2020-09-16
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. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a  reason to immediately remove those items on my credit report it has been over 60 days 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. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

XXXX does not have my consent to report on my consumer credit report. I did not apply for a loan. Banks dont loan money. I have only ever received extensions of my own credit. Cease and desist communication. This account is fraudualent. An identity theft report has been filed. This account needs to be removed immediately as previous attempts with credit bureaus since the day it showed on my report have not been successful.
Consumer complaint received 2020-09-16
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. (ME)

Experian lowered my credit score in retaliation for disputing an email alert they sent to me. 
On XX/XX/2020, Experian notified me that they had raised my credit score by 3 points to XXXX. On XX/XX/2020, my credit card company which uses Experian data, reported that my credit score was now XXXX. On XX/XX/2020, I received an email alert from Experian that my credit balance had been reduced on one of my accounts. I pay off my credit cards every month and have never been late on a mortgage payment. I have never received a notice like this before. When I logged into Experian, I learned they were reporting on my mortgage. They had apparently erroneously reported my mortgage as a credit account. My mortgage goes down ever month with my monthly payment but is never reported as a credit decrease. On XX/XX/2020, I disputed that information so Experian would see their miss-classification. Instead, on XX/XX/2020, Experian sent back the information on the report on my mortgage that I had always paid my mortgage on time and that they were lowering my credit score by XXXX XXXX from Exceptional to Very Good. By some miracle, I was able to talk with a person from Experian who told me I couldn't be in the Exceptional group because I didn't have enough accounts. I have had a FICO score above XXXX for years with the same number of accounts. The only thing that changed in the 12 days after Experian raised my credit score was that I filed a dispute regarding their alert error. My credit score was lowered solely because I filed a dispute. The date of the change made that quite obvious.
Consumer complaint received 2018-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (WA)

Chase reported my account XXXX over 30 days past due on XX/XX/2018 when the payment was made. The information needs to be corrected on my credit reports. This is an auto loan. My name is XXXX XXXX and my tel number is XXXX
Consumer complaint received 2022-04-04
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. (MO)

XXXX does not have my consent to report on my consumer credit report. I did not apply for a loan. Banks dont loan money. I have only ever received extensions of my own credit. Cease and desist communication. This account is fraudualent. An identity theft report has been filed. This account needs to be removed immediately as previous attempts with credit bureaus since the day it showed on my report have not been successful.
Consumer complaint received 2020-09-16
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. (TN)

I am requesting that the following account be removed immediately from my credit report. I am seeking further legal advice in addition to working with a police investigator about who is responsible for fraudulently establishing this account without my permission or authorization. I have tried to work with your credit reporting agency as well as the credit grantor to have this account removed from my credit report.
Consumer complaint received 2020-09-16
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. (TN)

I am requesting that the following account be removed immediately from my credit report. I am seeking further legal advice in addition to working with a police investigator about who is responsible for fraudulently establishing this account without my permission or authorization. I have tried to work with your credit reporting agency as well as the credit grantor to have this account removed from my credit report.