davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (ND)

I contacted Experian on XX/XX/2018 about incorrect addresses that appear on my credit report. They are reporting this erroneous address as XXXX XXXX XXXX XXXX XXXX, ND XXXX, and XXXX XXXX XXXX XXXX XXXX, ND XXXX. When I talked to XXXX, the Experian customer rep, she explained to me that the 23 accounts that are tied to these physically unverifiable addresses can not be removed without a letter from the creditors asking to have it removed. I explained to her that, as a credit reporting agency, Experian must, by law, report CORRECT information, lest they be sued for fraud. She remained steadfast that unless the creditors from these 23 accounts contacted Experian and admitted their mistake in reporting these erroneous addresses, there was nothing she could do to remove these accounts nor the unverifiable addresses.
Consumer complaint received 2018-09-06
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. (TX)

I terminated my lease ( in compliance with Texas law ) with the XXXX XXXX/XXXX XXXX and moved out in XX/XX/2017. They immediately sued me for roughly one month 's rent ( {$2300.00} ), the case was dismissed by the County Court at the hearing on XX/XX/2017 after I agreed not to sue them for damages. A month later XXXX XXXX XXXX contacted me claiming I owed roughly {$7600.00} to the apartment complex. I provided them with a clear explanation and certified copies of the Court dismissal order, and even gave them a copy of my new lease showing I had  moved out in XX/XX/XXXX. They ignored the information and apparently " bought '' the debt from the apartment company, after which they contacted me repeatedly demanding that I agree to pay at least some of the alleged debt or they would report it negatively to the three credit bureaus - which they did despite knowing the XXXX 's claim that I owed them money had been dismissed by a Court of Law. They continue to report this fraudulent item and I am being harmed. I provided all this information to all 3 credit bureaus but they refuse to remove the fraudulent item from my file.
Consumer complaint received 2018-09-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

False information on my credit report, claiming a balance of over {$3000.00} from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX This is False information. 
The original contract from XXXX & XXXX XXXX XXXX was Cancelled.  The vehicle was returned and the original contract was cancelled, with a zero balance, and the buyer agreed not to sue the seller for fraud. 

This information was provided to Transunion on XX/XX/2018 in the form of a complaint. 
Transunion failed to take appropriate action and remove the false item from my credit report.
Consumer complaint received 2018-09-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC. (TX)

Calls repeated 10-20 times a day threatening to come to my residence or my wifes work with a uniformed officer to serve me with legal papers. Harrassing phone calls after I told him to stop. He says his name is XXXX XXXX
Consumer complaint received 2023-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (AZ)

On XX/XX/XXXX I requested my annual free credit report with experian and was charged {$1.00} for the access despite not having requested my credit report for the year. Today, on XX/XX/XXXX, I was charged {$21.00} by Experian for completely unknown reasons as when I contact the company, they say I have no active membership with them and when I look online it says I am OWED a refund of {$21.00}. Now, no one can tell me why they charged me or what it was for and I want all {$22.00} refunded immediately. When I look up the company who charged me, it is Experian doing business as XXXX. This company has been sued multiple times for doing this to others and they are still doing it.
Consumer complaint received 2023-03-18
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)

This is my second endeavor via CFPB Complaint to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I am formally requesting that you include the following fraudulent inquiries to be removed from my Credit report. If you are unable to send me any documents pertaining that the disputed inquiries belong to me, immediate deletion of the disputed inquiries will be appreciated.
Consumer complaint received 2018-09-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MN)

I funded a loan in XXXX for a property. In that process i took a higher interest rate in lieu of paying the PMI. The servicing was sold in XXXX of this year to Chase ( original lender was XXXX XXXX ). 

in the transition ; the lender paid PMI was lost. Chase is now drawing on MY escrow account to pay the PMI that the lender should be paying. 

It appears that XXXX, though making the payments for me, was not using the typical structure for this methodology. They were taking payment from my main escrow account but off-setting that debit with a monthly credit in the same amount. That credit is no longer being applied. 

In talking to chase ; they are saying that it doesn't exist and i have to pay the PMI. I took a .25 % rate increase to avoid that. I have my escrow disclosures from XXXX and XXXX that match up in amounts to the statements. those statement amounts do NOT include the PMI ; just the monies for the taxes and insurance. I would like assistance in getting this resolved wherever the error lies. 

Looking at the docs ; you can see the amounts in the escrow disclosure match the amounts of the escrow in the statement. those amounts do NOT include the PMI because i never paid it. there is also a ledger of the account you can see where the credit was applied. that credit to offset was NOT paid by me. not sure how it was done in the prior lender but it was NOT paid by me.
Consumer complaint received 2020-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

About XX/XX/2020 I received a letter from my homeowners insurance payment was delinquent and that my insurance was going to be cancelled. I promptly called XXXX and asked why I was receiving this letter, wasnt that supposed to be paid through the escrow account, and the representative assured me that the payment would be sent next day air to avoid cancellation. That did not happen. 
About XX/XX/2020 I received a telephone call from my insurance broker telling me that my insurance had been cancelled due to nonpayment. I again called XXXX and requested to speak to a supervisor. I did not receive a call back. According to my insurance broker, the insurance company received the payment from XXXX after they has already cancelled the policy. I purchased replacement insurance that same day. I called XXXX back and I verbally requested that my escrow account be closed. I called on XX/XX/2020 and spoke with XXXX to check on the refund of my escrow account and he told me the request had to be done in writing. He provided an email to send the letter to. I again asked to speak to a supervisor. I received no return call. 
Then I receive an email that says I had to submit the letter through the website. I did so immediately. A letter from XXXX dated XX/XX/XXXX states that my hazard insurance is expiring. That is incorrect because I paid for a new hazard insurance policy. I again called and was told that there would be a resolution by XX/XX/2020. I again asked to speak to a supervisor. I received no call back. 
According to the XXXX website, when I check my account, the hazard insurance expired on XX/XX/2020. The letter stated that they were going to charge me, for the insurance that I did not have because of the irresponsibility of the escrow department at XXXX which caused my insurance to be cancelled in the first place. I called XXXX and a representative assured me I would not be charged. I asked to speak to a supervisor. I received no call back. 
On XX/XX/2020 I called and spoke with XXXX. She again assured me that I would not be charged and that she or a supervisor would call be back by XX/XX/2020. No call ever came. On a letter dated XX/XX/2020 XXXX stated that my case is under review. 
On XX/XX/2020 I called XXXX to check on the status of my case and was promised a call back. XXXX removed money out of my escrow account, for the insurance that I did not have because of their incompetency. I called XXXX the representative would not refund the money and would not transfer me to a supervisor. XXXX is an unresponsive, irresponsible and incompetent company. I would like my escrow funds returned. Including the funds they removed to cover their mistakes.
Consumer complaint received 2018-08-20
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. (AL)

This is a collection for a vehicle that I surrendered over 10 years ago. At that time I was instructed that I would receive a letter prior to the vehicle going to auction that I would be able to reinstate my payments. I fought the finance company on setting up my payments and in the meantime they sent the car to auction without sending me the letter explaining my options, which by law they have to send the letter. I contacted an attorney who in turn wrote a letter on my behalf. They finally agreed to charge the debt it off. I want this off my report. I did not even know that this was on my report until I applied for a mortgage and it shows up this many years later. Unfortunately my home was robbed and they stole my safe with all of my legal and important papers. This is such an old account I have no way of providing all of the supporting evidence that was used in the initial dispute against XXXX XXXX over this vehicle. Please remove this from my report as the letter was never sent and I feel the company did not follow the law. I have not had any contact or notices in years! Again, please remove this from my report.
Consumer complaint received 2018-09-06
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)

I am a victim of identity theft and 3 accounts have been opened using my personal information that I did not authorize. I have contacted these companies and they can not provide any contract bearing my signature that I have an obligation to their company or anyone they represent. These accounts are a result of identity theft. XXXX XXXX in the amount of {$400.00} XXXX XXXX in the amount of {$370.00} AND ANOTHER XXXX XXXX in the amount of {$610.00} Please delete and block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. I appreciate your prompt attention to this matter and await your reply.
Consumer complaint received 2018-09-06
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: SUNTRUST BANKS, INC. (FL)

XXXX XXXX client XXXX XXXX is a victim of identity theft. His information was used without his consent to submit applications for auto financing. While no accounts were established the applications generated inquiries that were found on his XXXX, XXXX and XXXX credit reports. The inquires were from XXXX of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and Suntrust. Each of these offices were provided an official dispute of the items, XX/XX/2018 and as of this date none of these organizations have provided an update or a reply to the official dispute.
Consumer complaint received 2023-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX ( XXXX ) 15 USC 1681 Section 602 states i have the right to privacy.

( 2 ) 15 USC 1681 Section 604 A section 2 : it also, states a consumer reporting agency can not furnish a account without my written instructions ( 3 ) 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-09-06
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX client XXXX XXXX is a victim of identity theft. His information was used without his consent to submit applications for auto financing. While no accounts were established the applications generated inquiries that were found on his XXXX, XXXX and XXXX credit reports. The inquires were from XXXX of XXXX XXXX XXXX, Capital One Auto Finance and XXXX. Each of these offices were provided an official dispute of the items, XX/XX/2018 and as of this date none of these organizations have provided an update or a reply to the official dispute.
Consumer complaint received 2018-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (VA)

On XX/XX/2018, i received an unsolicited email from " XXXX '' with the subject XXXX Account Information The body of the email states : Hello XXXX XXXX, If the reader of this message is not XXXX XXXX you are hereby notified that any review, dissemination, distribution, use, or copying of this message is strictly prohibited. If you have received this message in error, please notify us immediately by e-mail at XXXX, and permanently delete this message and your reply to the extent it includes this message. 

Important account information is now available regarding your XXXX Account. To view your this information, please click here. 


Sequium Asset Solutions , LLC XXXX XXXX XXXX XXXX, XXXX XXXX | XXXX XXXX GA XXXX XXXX I assumed it was a phising attempt and moved it to my spam folder. Also, I noted my FIRST name and LAST name were transposed. 

On XX/XX/2018, i received a written letter from Sequium Asset Solutions LLC that states I owed XXXX {$26.00}. I have not had XXXX XXXX   for several months and never received any notice that I had any past due outstanding balance. 

I called XXXX Customer Service at approximately 5:00 pm on XX/XX/2018 who confirmed I had no outstanding debt past due. 

This appears to be a sophisticated phishing scam.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX, Iowa XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX Washington XXXX DC XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX XXXX XXXX, XXXX XXXX XXXX, Equifax Dispute Center I am writing to dispute inaccurate information on my credit report. I recently received a response from XXXX and XXXXXXXX XXXX regarding an account that has been reported on my credit file. The information provided by XXXX and XXXXXXXX XXXX does not align with the information reported by XXXX, Equifax, and XXXX, and has resulted in discrepancies in the reported dates and amounts associated with the account. 

According to the response from XXXX and XXXX XXXX, they reached out to XXXX and confirmed that the account was assigned to a debt collector and settled for {$800.00}. However, the information provided by XXXX, Equifax, and XXXX does not reflect the same settlement amount or date. This inconsistency has significantly impacted my creditworthiness and has the potential to harm my financial standing. 

I am requesting a thorough investigation into this matter and urge XXXX, XXXX and Equifax to update the information on my credit report to accurately reflect the settlement and any other relevant details regarding the account in question. I also request that XXXX provide me with a copy of my updated credit report once the investigation is complete. 

Additionally, I have filed complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) regarding this issue, as it violates the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information. 

Please find enclosed copies of relevant documentation supporting my dispute, including the response from XXXX and XXXX XXXX  and any other pertinent information. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the removal of the inaccurate information from my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-06-24
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. (OH)

The below accounts are reporting to all three of the credit reporting agencies under my name and my info, I have contacted these companies advised them, that this has to be a mistake because I have never done business with any of them and that these accounts are reporting to my credit negatively and that its is effecting my family livelihood. Please see the list of the accounts and all the details, of which i do know. 

XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$210.00} XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$3200.00} XXXX Account # XXXX Opened XX/XX/XXXX Balance {$100.00} XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$3200.00} XXXX/XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$100.00} XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance
Consumer complaint received 2018-09-06
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: HEAD MERCANTILE CO., INC. (OH)

The item listed by HMC group on behalf of XXXX XXXX is not a property I have every resided at. This property was occupied by someone else and was included in a bankruptcy according to the tenant. This is XXXX Case Number XXXX in the XXXX  district of Michigan. It should not be on my credit report.
Consumer complaint received 2022-07-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (ID)

To Whom This May Concern, I have been XXXX for 21 years and continue to attempt to qualify for a Public Service Loan program. I have applied at least three times in the last 10 years. 
I have made payments consistently for more than XXXX payments. I have paid more than half of the total I borrowed when I was going to school. 

I keep getting rejected but not once I have been told exactly what the problem is. Finally I was able to call the company for which I have standing debt and told me that the reason could be that I have consolidated them. 

During school my loans were Stafford loans, but a couple of years after graduation I consolidated them with XXXX XXXX XXXX I would like someone to call me and advise me about what route to take. I graduated in 2001 and I have worked for the same school district since that same year. I have paid constantly and never defaulted. I have had times of deferment because of financial situations at home. I then paid all interest and comply with their policies during deferment. 

I want to be able to have the opportunity of some part of my loan to be forgiven. 

Thank you!
Consumer complaint received 2022-07-25
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: EQUIFAX, INC. (NY)

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!