davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-09
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-26
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. (OH)

XXXX XXXX  has mixed accounts with other social security numbers and ruining our credit reports. Attached you will find screenshots of what these people did on a family members report including my name and social security number along with another social security number Please have these people not harass me or my family Experian XXXX and XXXX keep posting information that is not accurate on all 3 bureaus one says no collections and another these thugs from XXXX XXXX
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent by mail to unfreeze my Transunion report. Forgot my pin. I sent my info by mail unfreeze having hard time getting actual help. Im in Mortage process this holding me up.
Consumer complaint received 2020-11-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (GA)

Radius Global Solutions contacted via letter regarding a debt to XXXX XXXX. I responded with a letter asking that they validate that debt is mine and that they had the legal right to collect on that debt. The amount of the debt was {$790.00}. I received a health insurance claim form from them on XX/XX/2020. The form does not indicate the debt is mine nor that they have the legal right to collect on that debt. However without giving me time to respond that item as well as another amount of {$500.00} that undisclosed to me was placed on my credit on XX/XX/2020. So that was 2 collections ( {$790.00} & {$500.00} ) placed on my account by the same company less than a week. Ive tried calling them so that I can quickly resolve this and I have yet to talk to someone. 

Thank you
Consumer complaint received 2017-12-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (TX)

I have never received any documentation or any type of response from XXXX XXXX XXXX. I have no clue as to who this company is. I checked my credit report and sawthat they were trying to collect a debt from XXXX in the amount of {$320.00}. I have never received anything from XXXX and I previous was disputing that matter. The account for XXXX XXXX shows that it was open on XXXX XXXX, 2017. As of today, I have received no correspondence from them.
Consumer complaint received 2022-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

on XX/XX/22 XXXX XXXX XXXX contacted me about refinancing my home. They asked if they could do a credit inquiry and I objected to a " hard inquiry '' and they assured me they could and would do it as a soft inquiry instead, so I agreed to that. Please ask them for proof that I agreed to the hard inquiry rather than the soft, they don't have it because I refused the hard inquiry. 

XXXX confirmation # XXXX
Consumer complaint received 2021-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NE)

According to HUD website, HAMP modification loans amounted to an average {$470.00} in monthly savings while my HAMP modification loan did very little to adjust my monthly payments, thereby making my home affordable because Specialized Loan Servicing intended to force me into foreclosure. 

I was forced to reapply 19 times for a home modification loan, before approval. Although, I had requested modification from XXXX XXXX XXXXXXXX when SLS assumed the loan, in XXXX, XXXX, I did not receive a home modification until XXXX, XXXX. At that time, the program ended and I just managed to receive a modification just a week prior to the HAMP program ending. When I contacted another loan servicer and they contacted SLS, only then did I receive loan modification help. 

Due to Specialized Loan Servicing driving up the amount owed on my loan, I feel I did not receive the best modification of my mortgage available to other customers. 

I am requesting an audit of my mortgage modification. I believe that I was given a subprime mortgage modification due to the fact that SLS had no intention of actually helping me, instead hoping to foreclose by increasing the amount of back mortgage by stalling my application for four years. 

I went from being 1 month past due mortgage in XXXX, XXXX to owing more than four years of accumulated payments of over {$84000.00}. I contend SLS juggled my single point of contact, so I never could get the complete story or anyone who would actually help with my application, all the while my unpaid mortgage steadily increased. 

Even while I was in the trail period my mortgage payment, tax and escrow has increased to almost my premodification levels. 

Why?
Consumer complaint received 2021-10-16
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. (MD)

To whom it may concern, This is my second time filing a dispute with Transunion and they are still refusing to properly investigate and remove a bankruptcy that is not mine even when I sent in documentation proving that the bankruptcy is not mine. XXXX and XXXX have since deleted the bankruptcy as I provided them with the necessary documentation which I also sent in to Transunion but they refuse to remove the bankruptcy. They continue to send out investigation results fromXX/XX/XXXX and have not made any attempt to actually review the documents that were sent in. This is against the law as only accurate information can be reported on my credit report.
Consumer complaint received 2021-06-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

On XX/XX/2021 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 im 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation 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 2017-12-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America informed me that XXXX, XXXX was servicing my mortgage. I contacted XXXX and was told that Bank of America is still servicing the mortgage. I want to avoid foreclosure but have received multiple points of contact and do n't know who I should speak to. Please help.
Consumer complaint received 2017-05-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

I just received a lett  er from Ocwen a few weeks ago in reference to reporting my account to a credit bureau and they have agreed to correct the report. On yesterday, I got my bill in the mail stating I owed more than the monthly payment.Upon calling Ocwen I was told, I owed {$110.00} in late fees for the payments not made during Disaster Forebearance Period. According, to their letter I never received the documents and they were sent to me again by computer, signed and returned. My information was updated, but no one ever mentioned I was delinquent. I was told I was now in good standings. What is the point of helping during a disaster to turn around and penalize me. More importantly, these conversations are recorded and I would love for them to hear the foolery and lies they tell the customer, but once you hang up the phone its anything goes.
If I was delinquent why did you pull the credit report, to now show no delinquency. My credit card and student loans also allowed for Disaster Assistance and never charged anything extra. Ocwen has and always will have deceptive practices. Their tail is a long one in decieving their customers, who try to make a honest living and pay their bills in a timely manner. They have refused to admit any wrong doing or to try to fix this problem.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (TX)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-24
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. (SC)

I filed a dispute for a charged off account with XXXX XXXX  in the amount of {$3300.00}. When I called XXXX to inquire about this account, verify it, and see how to have it removed from my credit report, I had to speak with three different people. One person said they could not access it because they were in the process of removing the account from their system. The other two people said they could not access it because of the age. They were never able to verify the amount, the activity, or why it was on my report. I filed a dispute through Experian, they conducted a 30 day investigation and all they changed was the status date from XX/XX/XXXX to XX/XX/XXXX. I want to know how they were able to verify anything and why it was not deleted.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Credit Supreme LLC (NY)

XX/XX/2021 - This company Credit Supreme LLC guaranteed results within 30 days and did not deliver. I gave them 3 months to assist and they did not. They have no right to place a bill in collections on my credit report, we had a month-to-month agreement and I canceled. I did not sign a long-term agreement. I was not impressed with customer service, they never answered my questions but instead told me not to worry and danced around the question. Truthfully, if this collection is not removed, I will take further action. Because this was placed on my credit file, it has prevented me from buying a home, which I am in the middle of. This is ridiculous. Who are they? How dare they? This company is terrible, and they should not even be in business.
Consumer complaint received 2020-11-03
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: CURO Intermediate Holdings (TX)

On XX/XX/2020, Ad Astra Recovery Services added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account Ad Astra Recovery Services did not verify this collection. Also, there is NO written form of communication, contact, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anyone can send a bill and say it's mine. According to the FCRA, Ad Astra Recovery Services has violated my rights as a consumer. Therefore, I'm requesting legal action to remove the account effective immediately.
Consumer complaint received 2017-05-25
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. (GA)

My  Auto note i s {$350.00} a month with the payments being divided between my  XXXX  paychecks and rendered before or on the  XXXX  of each month. Supposedly in  XXXX   2014 , the second half of my payment was {$10.00} short and my account has been notated as 30 days late on my credit bureaus ever since. My payment is due on the  XXXX  but they tell me that they need to post it on the  XXXX . Makes no since. Either the  XXXX  ( according to my paperwork ) is the due date or it is n't.
Consumer complaint received 2017-11-30
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

on my 3 credit reports shows 3 inquires from Capital One Bank that i do not recognize. 

Cap One Inquiry from XXXX XXXX, XXXX Cap One Inquiry from XXXX XXXX, XXXX Cap One Inquiry from XXXX XXXX, XXXX
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

My name is XXXX XXXX I'm a living human with all the rights of XXXX me from the fcra by being a US citizen please advise this complaint is against Experian and XXXX for the XXXX XXXX account it should not be listed as paid for less than the full balance but be listed as paid in full they have it listed as charged off at {$31000.00} which is true they did charge it off at {$31000.00} but I retained it possession of the truck continued making payments until the balance was {$19000.00} when trading the truck in they received {$13000.00} and this year XXXX XXXX issued me a XXXX for the remaining {$6900.00} making that truck paid in full not settled for less than what it was agreed but in fact paid in full I have checked with the tax industry professionals and they tell me that if it was originally charged off at {$31000.00} but I retained possession of the truck until the until what was owed was {$19000.00} then there should have been a amended charge-off and the total should have been adjusted being that there is no total adjusted that makes it being listed wrong and it is a violation of the fcra I would like to see the tax papers showing that they in fact change the charge off amount to the {$19000.00} or {$19000.00} that was owed and that he said it was paid in full secondly they have disputed this fact over and over which is a violation of my rights since I began they should be forced to remove this car this account without haste XXXX  XXXX  afford me the right to have this file deleted because they have posted fraudulent account amounts I can prove that I made the night paid the truck down XXXX while still having possession and that means that unless they have the amended tax paperwork to show it's listed incorrectly
Consumer complaint received 2021-10-16
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (NC)

Westlake Financial The right to an accurate, timely credit report is the rights consumers have by law. 
The FCRA acknowledges the need for accurate consumer credit information for the banking system to work smoothly. And so, the law gives consumers the right to have inaccurate, incomplete, and outdated information removed from their credit reports. I have disputed many times with the credit bureau XXXX consistently. It has been well over 30 days and the errors being reported have not been corrected. The date of purchase for this particular vehicle in question I have requested due to inaccurate reporting. The payment history starting with the very first payment that was paid. The payment on XX/XX/2018 of payment in full and then another payment being made on the XXXX of XX/XX/2018 and then reporting that following XXXX of only a {$50.00} payment and asking for a payment forgiveness which then was reported delinquent or past due for that month of XXXX. The beginning balance of the loan and the purchase amount are inaccurate. The ending balance that is saying charge off amount and of bad debt is also inaccurate. Due to the many attempts to reach out to Westlake Financial to update the errors of the reporting of my credit report and the effort they have shown to NOT correct there inaccurate reportings by law and by the rights of consumers with investigation and reinvestigation I am requesting with prompt demand that all prior and from here on to date that Westlake Financial STOP, REMOVE and DELETE any and all acts of reporting to all 3 credit bureau 's effective immediately. 
Thank you
Consumer complaint received 2020-10-27
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)

XXXX is reporting inaccurate payment history, across XXXX, XXXX  and TransUnion, please Delete per the Fair Credit Act. 611 There are 6 XXXX account with the same account number : XXXX Please see attachment.
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

i have XXXX accts with them quick silver, capt XXXX reg card, walamart my rewards never post on these accts, also if XXXX lower inst rate can b on these accts, quick silver reeward never XXXX
Consumer complaint received 2021-03-26
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)

all not mine fcra violations : XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX XXXX  XXXX XXXX Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX XXXX  XXXX XXXX Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX Account XXXX The information you disputed h
Consumer complaint received 2021-10-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I received PayPal message on XX/XX/XXXXthat I can no longer use PayPal again when I try to withdraw my fund and it doesnt work out. I was not even ask to tender any document my account was just limit and I cant have access to my money I worked for.
Consumer complaint received 2020-11-03
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 pulled my credit report and noticed my low score. I took a look at the things that were hurting me and noticed inaccurate information. I called about the account stating that I had several missed payments and noticed each one are reporting something different on all 3. Can you remove this off my account immediately! I never had this account and dont know where it came from.