davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I apologize for the inconvenience for the delay, this was due to the break out of the Covid pandemic which I lost my job, I am humbly asking to remove the late payment record from my credit report. I would highly appreciate it! thank you.
Consumer complaint received 2020-10-13
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. (FL)

Experian : On XX/XX/2020 dispute/investigation started for account # XXXX - On XX/XX/2020 Experian deleted/removed account # XXXX from my credit file. XX/XX/2020 Experian opened another dispute/investigation for account # XXXX - Within hours after opening that dispute/investigation. I received a notification that the result of that dispute was available. Dispute Result ( Deleted ) - hours after that - on the same day ( XX/XX/2020 ) I checked my credit report and noticed that the result of that dispute has changed from Deleted to Updated. Experian deleted/removed the account from the XX/XX/2020 dispute/investigation on XX/XX/2020 - On XX/XX/2020 another dispute/investigation opened - within hours on XX/XX/2020 there was a result ( Deleted ) within hours after ... result changed from deleted to updated. All on the same day - within hours. -- -- -- -- -- -- For the record*
Consumer complaint received 2022-04-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.
Consumer complaint received 2023-01-30
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. (NY)

A fraudulent personal loan was opened under my name with wrong address. I requested XXXX to delete account # XXXX with a Balance of {$20000.00} and reported it as fraud but XXXX refused to do sure, and still with the help of the Experian credit reporting XXXX they are holding me XXXX and damaging my credit report. I submitted the Identity thief report and police report to both XXXX and Experian but they refused to follow the law and still kept the incorrect information on my credit report. The fraudulent account mentioned above, was deleted from XXXX and XXXX, but Experian refused to delete the account from my file after I disputed the account more than XXXX times. Experian would do whatever it takes to have the banks use them for their business needs, and it doesn't matter who gets hurt on the way. Experian does not follow the law instead they are acting as if they are the law.
Consumer complaint received 2019-06-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: M.A.R.S., Inc. (TX)

Regarding alleged debt owed in the amount of {$270.00} to MARS INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ok XXXX. The creditor listed on my credit report. Failed attempts to validate the debt listed. I have attempted to reach the above creditor twice via certified mail. First attempt XX/XX/XXXX certified letter was returned with a message stating wrong address. Second certified letter XX/XX/XXXX was returned with message return to sender, vacant unable to forward. The name and address was obtained from the credit report
Consumer complaint received 2021-07-20
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. (NV)

Under 15 US Code 1681b Permissible Purposes of Consumer reports A ( IN GENERAL ) Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written insturuction of the consumer to whom it relates. I, the natural consumer, XXXX XXXX have not given Equifax, the Consumer reporting agencies any written consent to report any certain information on my consumer report. No consent is identity theft. Pertaining to the following accounts, I wish to have the following information removed from my consumer report at my consent. XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (CA)

I opened a loan with One Main Financial. I had one insufficient funds fee about 2 years ago. When I called to pay the fee the loan officer told me not to worry about it and to keep making payments. I was almost done paying my loan when I couldnt make my last 2 payments in XX/XX/XXXX. I spoke to several people including XXXX about not having money due to being laid off and unemployment not processing my payments. They were rude and called me almost every day at different times of day harassing me for payment. I was finally able to pay my last installment in XX/XX/XXXX. I thought I was done. Then I received a call from One Main that I had to pay the insufficient funds fee ( I had forgotten ) but I also had to pay interest on that fee. I asked for an explanation as to why I was charged the fee but the guy on the phone just said I had to pay it. I paid it so I wouldnt get called every single day.
Consumer complaint received 2021-09-17
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. (OH)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2022-04-06
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: EQUIFAX, INC. (CT)

XXXX XXXX XXXX had brought me to small claims court XX/XX/2019 for an alleged debt with XXXX XXXXXXXX XXXX 

There was a Judgement of Dismissal rendered on XX/XX/2019 in regards to the debt they were trying to collect from me. 

The judgement is very clear stating I am not responsible to pay any part of this debt and that XXXX does not have any right to appeal this judgement. 

Since that day, XXXX has continued to tell all 3 credit bureaus that the debt is valid. 

Because of this, the 3 credit bureaus continue to keep this debt on my credit report even after the fact that I have provided the court documents showing I am not responsible for this debt.
Consumer complaint received 2022-04-06
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. (CT)

XXXX XXXX XXXX had brought me to small claims court XX/XX/2019 for an alleged debt with XXXX XXXX XXXX 

There was a Judgement of Dismissal rendered on XX/XX/2019 in regards to the debt they were trying to collect from me. 

The judgement is very clear stating I am not responsible to pay any part of this debt and that XXXX does not have any right to appeal this judgement. 

Since that day, XXXX has continued to tell all 3 credit bureaus that the debt is valid. 

Because of this, the 3 credit bureaus continue to keep this debt on my credit report even after the fact that I have provided the court documents showing I am not responsible for this debt.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to request the prompt removal of unauthorized inquiries from my credit report. These inquiries are causing me significant distress. I have provided verification documentation to support my request and kindly ask for an expedited investigation into this matter. Thank you
Consumer complaint received 2023-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo Bank Settlement 2022 - I believe I qualify.

There were numerous times over the last few years that I had to contact Wells Fargo regarding my account due to Overdraft Fees that I didn't feel were justified. I noticed and addressed with various bankers that a large amount of small payments would stay " pending '' for longer than usual, then they would allow a large payment ( rent ) to go through before a deposit. This would tank my account, then they would allow my deposit to bring it back up, then they would process all the small amounts at once and charge me overdraft fees for each. I have called each time and while they never fully refunded the fees, they would say " we can reimburse you a percentage '' and that percentage would change each time I spoke with them. Sometimes, they would claim I had met my limit on getting fees overturned and would deny my request.

I am unsure how to submit a request to be a part of this settlement, but I do believe that I qualify. I do believe that Wells Fargo continuously took money from me in fees, unnecessarily.

Thank you for your time and help.
Consumer complaint received 2021-07-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credence Resource Management, LLC (CA)

On or about XX/XX/2021, I advised the collectors that they do not have my permission to contact me by phone. Since that time I have received two to three calls per day. Blocking their phone number is useless because they use several different phone numbers when calling. At present, I have blocked nine different phone numbers from this one collection agency.
Consumer complaint received 2019-08-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (TN)

Was quoted my bill for XX/XX/XXXXcar insurance at XXXX dollars after making changes and purchasing a vehicle in XX/XX/XXXXthis year by agent on phone and have call recording of this incident. When I went to pay it on the due date in XX/XX/XXXXthey said I owed XXXX dollars, I said that's not what I was told on the phone. After arguing I just decided to shop for more insurance and found comparable insurance to initial quote and thought that was it, nope they said I owed XXXX   dollars to XX/XX/XXXX, something I never agreed to, especially at that price. After it went on to collection 's I contacted my state insurance commission and file a complaint. I couldn't never send the audio recording as the website refused to allow the media file to go through. Once it was closed by them in late XX/XX/XXXX, early XX/XX/XXXX, not 2 or 3 days had the collection show up on my credit file. Back to arguing with Caine and Warner, XXXX, and my insurance commissioners office. My state has been no help, seems like apparently they can get away with this, I'd wonder how fast us people would be delt with by all forms of agencies if this was the other way around. I was a progressive customer since 2016, had zero claims, and now I'm being attacked personally for there mistake, not to mention I paid about XXXX on XX/XX/XXXX, which didn't cover me out to XX/XX/XXXX my due date apparently. My commissioners office said they covered you in XX/XX/XXXXso it's legitimate, I just go back to XXXX dollars growing to a whopping XXXX? How again is any of this my fault? Had the quoted amount been accurate I probably wouldn't have purchased the vehicle I was about to upgrade to in the first place. Sure hope this helps get this resolved, can't believe a company who made nothing but profit off me over 2 years would go this far over such a small petty amount. If this and the XXXX don't get it resolved my only option is small claims court I guess. Really ridiculous I might have to go that route over such a small amount. It's not about the XXXX dollars ( filing a suit will cost double that ), it's more about the principle!
Consumer complaint received 2017-09-11
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. (CA)

In or around XXXX XXXX, I paid the credit card balance in full for the amount of {$380.00} my credit line was only {$300.00}. Their was no settlement, no account paid for less than balance owed or any other kind of agreement other than balance paid in full and the removal of this this derogatory statement from my credit profile, it was paid in full the entire balance owed. They agreed to remove this account from my credit profile after payment. This has not happen as of yet.
Consumer complaint received 2021-09-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (HI)

On, or about XX/XX/21 I received an email from XXXX XXXX XXXX  stating that they closed and charged-off my XXXX account then sold the fraudulent debt to Midland Credit Management XXXX Inc. , despite ongoing litigation. 

On, or about XX/XX/21 I called Midland Credit Management XXXX Inc., but the representative I spoke with said, Midland was not in possession of the account at that time. So, I advised the representative to refuse the account once presented because it is a fraudulent and involved in ongoing litigation. And, if Midland does take possession of the account, Im going to name Midland Credit Management , Inc. as a defendant during litigation as well. 

On, or about XX/XX/21 I received an email from Midland Credit Management XXXX Inc. stating that they had purchased the fraudulent XXXX account from XXXX XXXX Bank, despite our previous conversation. So, once again, I called Midland to explain the situation, but I was blown off by the representative I spoke with. The representative did say, Midland Credit Management , Inc. will investigate my claim and get back to me. Then, with some prodding, I got a response date of withing 90 days. 

So, holding true to my word, I am formally naming Midland Credit Management , Inc. a defendant. 


Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX www.midlandcreditonline.com
Consumer complaint received 2017-09-11
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)

In or around XXXX XXXX, I paid the credit card balance in full for the amount of {$380.00} my credit line was only {$300.00}. Their was no settlement, no account paid for less than balance owed or any other kind of agreement other than balance paid in full and the removal of this this derogatory statement from my credit profile, it was paid in full the entire balance owed. They agreed to remove this account from my credit profile after payment. This has not happen as of yet.
Consumer complaint received 2017-09-11
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. (CA)

In or around XXXX XXXX, I paid the credit card balance in full for the amount of {$380.00} my credit line was only {$300.00}. Their was no settlement, no account paid for less than balance owed or any other kind of agreement other than balance paid in full and the removal of this this derogatory statement from my credit profile, it was paid in full the entire balance owed. They agreed to remove this account from my credit profile after payment. This has not happen as of yet.
Consumer complaint received 2020-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

In a letter datedXX/XX/2020 and received by me on XX/XX/2020 : PHH Mortgage informed me they had received notice from " our tax service '', that property taxes were past due on my property  at XXXX XXXX XXXX, XXXX, TX XXXX. The letter had no postmark or any way to verify when they mailed it.

Since I pay my taxes myself, I know they have been paid. So I immediately requested a copy of whatever communication they had that indicated the taxes were overdue.

I immediately got a thorough run-a-round. First they had the letter, they when I wanted a copy, they thought maybe they saw it on a web site. When I asked what web site, no one could tell me. When I asked how they verified the taxes were past due, no one had an answer. PHH Morgage has been trying for years to get me to set up an
escrow account, which I have refused. Since I pay the taxes myself on a timely basis, PHH Mortgage has no need for an escrow account! Unless PHH Mortgage makes money using the escrow money before it is needed, why are they so adamant about having an escrow account? 
I am XXXX and consider this constant harassment a threat to my health. Maybe you can do something about it? Thanks for all your help.
Consumer complaint received 2020-07-10
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. (FL)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2019-11-06
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. (NY)

As of XX/XX/2019 my credit was dropped from both Equifax and XXXX from XXXX to XXXX. The reason they gave was an outstanding balnce of {$400.00} with XXXX. That balnce was XXXX out on XX/XX/2019. It was a short term loan of less than 2 weeks. My score should not be taken a ten point drop because of this.
Consumer complaint received 2021-05-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion and XXXX are currently still reporting an account from XXXX XXXX XXXX that the company itself has said to be deleted as the account was inaccurate. 

In XXXX of 2021 my husband and I sent a joint validation letter to XXXX XXXX XXXX in regards to an entry listed on my credit report. XXXX responded that they were not collecting on this account and the account had been sold to a collection agency, XXXX XXXX. I then sent a copy of this letter to all 3 major credit bureaus and was deleted from just XXXX on my credit profile and XXXX and XXXX  on my husbands credit profile. 

Later in XXXX of 2021 we sent a validation letter straight to XXXX XXXX requesting a proper validation for this account. We received two letters dated just a day apart stating that XXXX did not have knowledge of this account and the other stated that they were ceasing collection on this account. 

Each month I have sent copies of these letters to Transunion and XXXX requesting deletion of this account but it is still listed. I would like to have this account removed as it is causing serious harm to my credit file.
Consumer complaint received 2019-02-20
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. (FL)

I am a victim of identity theft. I recently looked over my credit reports and seen 9 unauthorized credit inquiries I did not authorize. I have contacted the bureaus to dispute this matter over 45 days ago and I have not received any answer back from bureau.They are not cooperating or helping me to try and get this resolved immediately. It is not ok for them to report inaccurate information or information that does not belong to me. Please investigate this matter, DELETE ALL inquiries listed below and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions.