davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-18
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 and I write to dispute certain information in my file fro the crime. I have included the items in this letter and listed items within my affidavit. Please block and remove this information immediately. 
As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the items be removed and corrected.

Delete the following accounts : 1. XXXX XXXX/XX/XX/XXXX not mine 2. XXXX XXXX XX/XX/2017 not mine.
Consumer complaint received 2021-11-05
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: EQUIFAX, INC. (NC)

Recently i received a copy of my Equifax credit report and noticed multiple inquires unauthorized inquiries i did not authorize from unknown sources, i did not give permissible purpose for Equifax or any one else to run my credit, i did not apply for loans or any credit cards. Equifax gave credit card companies access to my credit report without my person. I dispute this several times in the few months, i would get an instant result saying the dispute has been resolved, but when i access my credit file nothing has been done.
Consumer complaint received 2019-09-18
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2018-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diversified Consultants, Inc. (CA)

On XX/XX/2018 I noticed that Diversied consultants had put an account on all 3 credit reports from XXXX XXXX XXXX in the amount of {$200.00}. The account says open. This information is incorrect and not true. I contacted the company to let them know about the inaccurate account that they had put on my credit reports. The issue didnt get taken care of.
Consumer complaint received 2023-06-12
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. (MS)

I have requested valiadation of debt from XXXX on the two accounts that shows on my credit report on XX/XX/23. I have not been supplied validation of debt and the accounts are still reflected on my consumer report
Consumer complaint received 2020-06-06
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)

My credit report States I was late for my XXXX XXXX credit cards are incorrect. One account is paid in full and closed in XX/XX/2020 but shows late and the other was closed and is currently t and never late. 
* XXXX XXXX credit card ( last late XX/XX/2020 ) ; acct # XXXX * XXXX XXXX credit card ( last late XX/XX/2020 ) ; acct # XXXX I was never late they provided me with a deferment and it was approved and I have proof and it still shows late after various disputes by all 3 credit agencies Remove the late payments from all 3 credit bureaus since this is incorrect and Ive never been late.
Consumer complaint received 2019-04-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Real Time Group, Inc. (CA)

InXX/XX/XXXX, I had a 1st and 2nd mortgage on my home with XXXX, which both were later transferred to XXXX XXXX XXXX ( XXXX ). Subsequently, I defaulted on both loans. In XX/XX/XXXX, XXXX modified my first and forgave about 50 % of the principal. However, the 2nd was transferred to Real Time Resolutions ( RTR ). 

I never made a single payment to RTR and the second mortgage eventually fell off my credit report after about 7 years. The initial amount that I defaulted on was {$56000.00}. 

Recently, I tried to refinance my home and I came to find out that there was still an outstanding lien on my property for the 2nd mortgage. RTR was contacted and they claimed the pay-off amount was over {$83000.00}.

The statute for RTR to foreclose on my home has already passed and basically they are holding my property hostage. I also believe they are trying to collect on a debt that should have been settled initially by XXXX, since XXXX modified the first mortgage. 

I tried contacting RTR to reach a settlement, but they do not respond to my emails.
Consumer complaint received 2019-04-19
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: Experian Information Solutions Inc. (MI)

There was a XXXX card opened in XX/XX/XXXX in the amount of {$2000.00} which now carries a {$2500.00} balance that does not belong to me. 
Also, theres an account with XXXX that does not belong to me opened in XX/XX/XXXX in the amount of {$4000.00} that looks like an Installment loan. Not only is it not my account but its too old to be reporting to my bureau after 12 whole years already. Theres an account with XXXX XXXX XXXX XXXX for {$66.00} thats fraudulent as well. None of these are my accounts.
Consumer complaint received 2024-02-06
Product: Credit reporting 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2021-02-18
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CREDIT ACCEPTANCE CORPORATION (NY)

On XXXX XX/XX/XXXX, a XXXX XXXX XXXX with XXXX miles was purchased for {$16000.00} and financed at 22.99 % XXXX 23 % ) with a finance charge {$12000.00} for an extremely high final TOTAL purchase PRICE of {$28000.00}. The car was purchased from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX ) Main tel # XXXX or ( XXXX ) XXXX. The extremely high car cost of {$28000.00} was FINANCED via Credit Acceptance. 

As of XXXX, {$16000.00} is still owed on the vehicle ( original car note {$28000.00} at 23 % interest rate ). 

A one-time, full payment, settlement offer of {$9500.00} to pay-off and satisfy the debt was made to Credit Acceptance via certified mail return receipt. As per law, Credit Acceptance is supposed to respond within 30 days to the written inquiry. 

However, Credit Acceptance has not responded to any of my prior written letters to settle the {$16000.00} owed on the over-priced XXXX XXXX XXXX. 

Essentially, the cost of the car {$16000.00} is almost the finance cost {$12000.00}. This is an egregious and unscrupulous/corrupt practice. 

XXXX XXXX XXXX Current Balance : {$16000.00} Original Loan Balance : {$28.00}, XXXX Interest Rate : 22.99 % Std. Monthly Payment : {$430.00} Contract Start Date : XX/XX/XXXX
Consumer complaint received 2019-04-19
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

An individual named XXXX XXXX contacted me and advised that he was with XXXX  and was trying to " mediate '' an amount of {$400.00} ( or something similar ). The number was from XXXX. Mr. XXXX refused to provide any additional information about the name of the company, but did advise that the company was located in XXXX. Mr. XXXX did not use the term " debt '', but listed out a series of companies on who's behalf he was calling. He refused to provide any information and threatened to escalate the matter for fraud to court or judgment.
Consumer complaint received 2019-04-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Outsource Group, Inc (NM)

When I originally called to set up payment arrangements on this account I was told as long as I set up an arrangement by XX/XX/XXXX or XX/XX/XXXX..i cant remember, this would not go on my credit. I had spoken to an XXXX. I called today to make my payment and I asked again about my credit and they told me it would go on my credit XX/XX/19 if I did not set up automatic payments. This IS NOT what I was told. If I would not have asked, it would have gone on my credit without my knowledge. I feel this unethical and I want every phone call pulled when I called in and listened to so you can see that they are less than truthful. No one told me this would go on my credit. I get a statement every month and no where on it does it say if i do not set up automatic payments, that it will go on my credit. They told me it would not. I set up to payment arrangement for {$200.00} a month and that is what I have done. Last month I paid my payment on XX/XX/19 and they called me XX/XX/19 and asked for the balance in full? They are unethical and harassing me and this could cause me great harm if it is reported to the CRA 'S. I do not have a problem setting this up automatically but no one told me until I asked today that if I did not it would effect my credit. I am wondering how many other people that this has happened to?
Consumer complaint received 2023-07-13
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: Experian Information Solutions Inc. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-19
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

Original mortgage lender sold debt to new lender. Both failed to notify me of the new information. I had set up automatic payment with the old lender, hence my account was never late. The new lender then proceeded to report the account late to the Credit Bureaus. That is how I found out about the location to send payments. I immediately paid the accounts.
Consumer complaint received 2018-07-18
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. (TX)

In XX/XX/XXXX I called the automated line with XXXX XXXX to find out my minimum amount due. This was after my account was locked due to multiple attempts trying to access my account online. Upon entering my credit card information, I was informed there was a XXXX minimum amount due. I have made several payments in the past early and was under the impression ( through their account information line ) I had already made the payment. 

However, in XX/XX/XXXX I received an alert through Experian that my XXXX XXXX had reported me 30 days late. I immediately called XXXX XXXX. I informed them that the system had stated I had already made the XXXX payment. The customer service representative then informed me that my credit card had been canceled and a new card was being mailed. This was a precaution due to the XXXX  data breach. Keep in mind, I never received a call, a letter or an email. They simply canceled my card without any notification. As a result, when checking my account for my monthly amount to pay the credit card number was no longer active so it reported me not late and XXXX due. After 2 weeks, I never received my new card. I called and XXXX XXXX stated they would send one out immediately. After 2 MORE weeks, no card. I called AGAIN and they stated that it was being mailed out. I do not feel that this is my fault and should not be held responsible on my credit report for 7 years when something was done without my knowledge that affected my credit. I have disputed it with the credit bureaus with no luck. I called XXXX XXXX and they said I am no longer able to dispute any misinformation since it has been over 60 days. 

I had to dispute another credit card company due to the exact same reason. As a result of my letter of Goodwill, they removed the late payment from credit report. I have mailed the same letter to XXXX XXXX without any luck.
Consumer complaint received 2020-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (NV)

I have received correspondence from Company CBE and received several telephone calls related to a previously disputed account with XXXX/XXXX. CBE Company indicates that they received the file in their office 45 days ago and was bought from XXXX XXXX. I informed the representative that this account was not mine the result of Identify Theft ( probably from XXXX breach ), which I have been dealing with over the last 2 years, with several accounts opened fraudulently in my name - XXXX XXXX. I provided CBE with my current information and asked for them to validate the debt and to send me any documents via mail, which I have not received. Instead, they reported this fraudulent debt to all 3 credit agencies, which has resulted in my ability to obtain additional credit. I want this account validated, via a signature page, and sent to me within 15 days. I have disputed the debt with all 3 credit bureau 's. I am attaching the previous letter from XXXX XXXX, stating that they were not able to validate the debt and that they would remove this fraudulent account from all credit bureau 's. I want a similar removal letter from CBE if they can not validate via a signature page and want this fraudulent account removed immediately from all credit bureau 's. 

This account is not mine and was opened in my name fraudulently.
Consumer complaint received 2023-06-12
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. (CA)

From XXXX of XXXX I submitted multiple letters to XXXX, XXXX and Equifax to XXXX investigate and show me proof and validation of the items reporting on their Credit reports with my identity. To this day, nothing has been furnished or provided to me with proof of debts and amounts they illegal report to the world, when I apply for credit which is negatively impacting my personal life. Here is sample of the letter : Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 
Item Number Company Name Account Number Comments XXXX XXXX XXXX -please delete and remove this account from your XXXX XXXX XXXX XXXX please delete and remove this account from your report XXXX XXXX XXXX XXXX please delete and remove this account from your report-XXXXXXXX XXXX XXXX XXXX  please delete and remove this account from your report - XXXX XXXX XXXX XXXX please delete and remove this account from your report- XXXX XXXX XXXX, Inc- please delete and remove this account from your report- XXXX XXXX XXXX bank card services- please delete and remove this account from your report- 8787 Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. 
Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.

Sincerely, XXXX XXXX
Consumer complaint received 2018-11-25
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. (IA)

I have disputed accounts on my XXXX  report and they verified it as accurate but they are not my accounts I asked for proof and they send me none XXXX never had a account XXXX XXXX have had XXXX for last 5 years XXXX XXXX is saying I wrote a check to XXXX I don't have a check book I have tried to dispute these accounts I get nowhere
Consumer complaint received 2023-07-12
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. (MS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality und

er 15 USC 1681.

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-23
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. (PA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown information that have been put on my credit report. It is nearing 60 days and I have not received a response yet. It seems as though I am being taking advantage of and that my disputes are being ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to remove these items immediately, we are approaching 60 days. I have pointed out and showed proof of this inaccurate information and there is nothing being done. I would like for you to delete these items promptly or I will be filing litigation because of the stress you have caused me. My information was also compromised by the Equifax data breach which has also have me worried and stressed out that someone has had access to my personal information.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IN)

This complaint is about the credit card company named XXXX XXXX XXXX. It is a XXXX card associated with XXXX. I pd the balance off in XXXX. I filed XXXX XXXX bankruptcy a month later but not on this account. After I checked my credit report some months later, I found out that they closed this account and stated on my credit report that the status was closed on the account because of XXXX  XXXX bankruptcy. When I called the company to find out why they did this, they said it was their policy to list it on the report even though I DID NOT file it with their company. They refused to change the status and when I disputed it with the credit bureaus, they still have not changed this. I am still in a dispute.
Consumer complaint received 2023-07-06
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. (IL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.