davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC (CA)

I paid my two months mortgage amount of {$3300.00} ( XX/XX/2020 ) and {$3300.00} ( XX/XX/2020 ) to my lender ( Stearns Lending - XXXX XXXX ). Then I also received another payment notice from XXXX XXXX   that said my loan was sold to them on XX/XX/2020. I have not received any Goodbye Letter from my lender, nor did my Welcome Letter from XXXX XXXX. How did my confidential information got transferred to XXXX XXXX? When did my loan was sold? 
My complaint is the lack of information when the loan was transferred to one servicer to another. I am not properly informed my loan had been transferred. As a result, payments made to either the prior or current servicer around the time of the transfer were not applied to the account.
Consumer complaint received 2017-12-08
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: EQUIFAX, INC. (DC)

I have several credit inquiries from multiple companies on XXXX XXXX, 2017. I contacted the credit bureaus to dispute them and was told I would need file a police report and to contact the companies, which I did ( all they could tell me that my information was in their system ). I asked why I would need to file a police report for an intangible issue and that no credit was issied, Just an unauthorized inquiry. The information is still on my report and i cant get any help from the bureaus or the companies. 

XXXX -XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

To Whom It May Concern, I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

As previously disclosed, I am a victim of identity theft. I have reported this with the FTC. 
Please remove this inaccurate information from my report immediately.
Consumer complaint received 2019-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (VA)

Since XX/XX/2017 I have been trying to remove the PMI which is {$170.00} a month ; in total I have paid {$2000.00} that I didn't have to. Either the mortgage servicing company gave me the run around and refused to have me get an appraisal to prove that my LVT was at 78 % ; or they would sell my loan as soon as I got an attorney, and now I have been paying {$170.00} for long the original property appraisal has put my LVT at 76 % and again the new serving company refuses to remove the PMI. 

The PREVIOUS SERVICER WAS XXXX AND the current is loan care.
Consumer complaint received 2017-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

On XXXX XXXX 2017 I received a confirmation from Equifax stating the XXXX XXXX account I had been disputing was removed from my credit, after recently reviewing my credit file, Equifax has readied this account without sending a reinsertion letter which is against FCRA. 

Equifax Confirmation # XXXX XXXX XXXX,2017
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I recently received a copy of my 3 Credit Bureaus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX Balance Owed : {$400.00} XXXX XXXX Balance Owed : {$460.00} XXXX XXXX Balance Owed : {$330.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$230.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$44.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Discharged Date Filed/Reported XX/XX/XXXX Reference # XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Original Creditor XXXX  XXXX Balance Owed : {$370.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-05-14
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. (MI)

In XXXX, I discovered an account with XXXX XXXX on my credit report, in the amount of {$2400.00}. I immediately contacted XXXX in regards to this account. I explained to them that I had not opened an account with them, and that this is a fraudulent account. The Representative with XXXX, explained to me that I needed to file a police report, forward the police report to XXXX 's fraud department, and there would be an investigation. I filed a police report with the XXXX police department and forwarded the police report to XXXX 's fraud department. After the investigation I received an email explaining that there investigation showed, I did not open this account, also that I was not responsible for the debt of {$2400.00}. This account was removed from my credit report. Myteriously this account with XXXX XXXX showed up again on my credit report via XXXX XXXX system in the amount of {$2400.00}. Once a gain I contacted XXXX wireless in regards to this debt. I spoke with XXXX a representative with XXXX XXXX, XXXX, she was unable to pull up police report. XXXX told me to resend police report. I resent police report in XXXX, XXXX and again in XX/XX/XXXX. I still have not heard from XXXX in regards to this account, it's still remains on my credit report causing big problems.
Consumer complaint received 2018-06-11
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I disputed with the credit bureaus as well as Portfolio Recovery Associates, XXXX XXXXXXXX and XXXX XXXX ( XXXX XXXX ) to validate and account that they claim belongs to me, they sent me a letter on company letter head stating that I owe the debt to the name XXXX XXXX. They have no other identifying factors to validate the debt. They are in violation of the federal and the state Fair Debt Collection Practices Acts by not providing how these debts were validated and no contract with a signature, not even an electronic signature. 

XXXX Account Number : XXXX PORTFOLIO RECOVERY A Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2017-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I have contacted Transunion via telephone, and mail. Regarding missing information, accurately updating information, and promptly updating my report as soon as the creditors update Transunion. 

1. ) XXXX/XXXX A. ) Transunion has there last update for XXXX being XX/XX/XXXX. My 2-Year Payment history doesnt reflect that. 

B. ) Transunion has my Credit Utilization as 57 % that is inaccurate. 

C. ) Transunion has my balance as $ XXXX.That 's inaccurate its actually {$150.00}. 

D. ) My terms should be listed as revolving. 

2. ) XXXX XXXX XXXX XXXX A. ) I am an authorized user on my husbands card. Transunion has my credit utilization is 76 % that is inaccurate. 

B. ) Transunion has my balance as {$220.00}. That is inaccurate. 

3. ) XXXX XXXX A. ) Transunion has my last update as XX/XX/XXXX.I have paid on time for the months of XX/XX/XXXX,  and XX/XX/XXXX. My 2-Year Payment History also does n't reflect those on time payments. 

B. ) Transunion has my balance as {$1300.00}. Thats inaccurate it should be {$1200.00}.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX
Consumer complaint received 2021-02-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO. (NY)

I entered in a consumer credit transaction with JPMorgan Chase Bank in XXXX of 2015. 

I have been making payments over the past five and a half years ONLY because JPMorgan Chase Bank failed to adhere to 15 USC 1692g. ( a ) and send me a written notice within the first five days following initial communication, stating that I had the option and RIGHT, as a protected consumer, to dispute the validity of the alleged debt. 

Pursuant to 15 USC 1692g. ( c ) -the fact that I, the protected consumer, have not disputed the validity of the alleged debt, shall not be construed as an admission of liability.

To add insult to injury, despite collecting payments and interest over the past five and a half years over an alleged debt, JPMorgan Chase Bank has continued to disregard my rights by violating 15 USC 1681a. ( d ) ( 2 ) ( B ) - which states that excluded from a consumer credit report should be, " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ''. Pursuant to 15 USC 1602, the term 'credit card ' is defined as " ANY card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit ''. The credit card used to initiate this extension of credit was my Social Security Card, thus qualifying this alleged debt as a transaction to be excluded from my credit report. 
In addition, pursuant to 15 USC 6802 ( b ) which in summary states, [ that a financial institution may only disclose nonpublic personal information to a nonaffiliated third party if they have notified the consumer that such information may be disclosed, given the consumer the opportunity to direct that such information not be disclosed and given the consumer an explanation of how the consumer can exercise that nondisclosure option ]. Regarding this code, JPMorgan Chase Bank never notified me of my option to opt out from the reporting process or gave instruction on how to do so thus further disregarding and violating my rights. 

All of this to say that the alleged debt was never mine to cover much less be defamed over.
Consumer complaint received 2017-12-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northstar Location Services, LLC (MD)

I am being harassed by a debt collection company called Northstar Location Services LLC, looking for someone with the same name as me. My wife and I have verified that we are not the individual for which they are trying to collect a debt, yet we are harassed every day by this company. I spoke to an individual named XXXX XXXX tonight and he tried to tell me I owed money. I told him I was not who he was looking for and verified by year of birth. When I asked to speak to XXXX 's supervisor he hung up on me. I want this company to cease the harassment of my family. 

http : //www.thenorthstarcompanies.com/
Consumer complaint received 2019-05-14
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. (CA)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-05-14
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Here I am again, my last complaint and the company response as usual. It's looking like they are throwing the ball one to another. Attached please letter sent to the Judged who handled the Bankruptcy Court in the State of Delaware since XX/XX/XXXX representing my assignor XXXX XXXX XXXX to see if they have any authority to assign the same at the time they executed such assignment of mortgage in XX/XX/XXXX. Also sent to every trustee involved in this case. Lying to the Federal Government is truly a criminal activity. 
Will open the case in Delaware been in touch with every trustee that is looking into this fraudulent matter and entering with enough evidence a Federal Law suit. Still have hope that as the institution assigned to protect consumer this matter will go more than a response from the company has been received. 
Thanking you in advance for your cooperation in this matter.
Consumer complaint received 2017-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have multiple accounts on my credit report that are closed and have been sold. I know this because the debt have been in my debt collection or are still. I 've been trying to get the original debt removed so it does n't look like I have double the serious delinquency or derogatory indicator. The Credit bureaus keep coming back with the account verified account sold but refuse to remove them since they 've been sold. Accounts XXXX XXXX XXXX XXXX I also have accounts that were paid before being sent to collection and now sitting on my credit report and the credit bureau refuses to remove them keeps coming back with verified account paid before collection. Accounts XXXX XXXX XXXX XXXX XXXX XXXX I also have multiple hard inquiries that were unauthorized and the credit bureau keeps coming back with they are factual and that I need to call the original creditor when have called the creditor is unaware of the hard inquiry and says there nothing they can do about something they have no knowledge of. 

Inquiries 1 ) XXXX XXXX XXXX/XXXX/XXXX ) 2 ) XXXX ( XXXX/XXXX/XXXX ) 3 ) XXXX ( XXXX/XXXX/XXXX ) 4 )  XXXX ( XXXX/XXXX/XXXX ) 5 ) XXXX XXXX ( XXXX/XXXX/XXXX ) 6 ) XXXX ( XXXX/XXXX/XXXX ) 7 ) XXXX XXXX ( XXXX/XXXX/XXXX )
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to express my dissatisfaction with the handling of fraudulent items on my account with Credit Bureau. Despite promptly reporting these fraudulent transactions, I am dismayed by the delay and inefficiency in their removal. I discovered unauthorized transactions on my account, which I immediately reported to your company 's customer service department. I was assured that swift action would be taken to investigate and remove these fraudulent items from my account. However, to my dismay, the process of removal has been unduly prolonged, causing me significant distress and inconvenience. As a valued customer, I expect timely and efficient resolution of such matters to safeguard my financial well-being and restore my confidence in your company 's services. The continued presence of these fraudulent items not only poses a threat to my financial security but also reflects poorly on your company 's commitment to customer satisfaction. I urge you to prioritize the expedited removal of these fraudulent transactions from my account and take proactive measures to prevent similar incidents in the future. Additionally, I request transparent communication regarding the steps being taken to address this issue and provide assurances of enhanced security measures moving forward. ailure to resolve this matter promptly will compel me to escalate my concerns to relevant regulatory authorities and explore alternative recourse to protect my rights as a consumer. I am asking for your assisstance to remove othese fraud items in my credit file : : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance XXXX {$650.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX  XXXX Balance : {$650.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XX/XX/2022 XXXX XX/XX/2022.
Consumer complaint received 2021-02-08
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)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX DOB : XX/XX/XXXX TransUnionFraud Victim Assistance Department XXXX XXXX  XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX Enclosures Identity Theft Report Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Consumer complaint received 2020-11-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jon Barry and Associates, Inc. (TN)

I have received notice that I owe XXXX XXXX XXXX XXXX for {$180.00} which is with Paragon Collection Agency from XX/XX/2016. I contacted Paragon Collection Agency and they said they do not have any information on this account - that it is with the " attorneys. '' I was transferred to the " attorneys '' and they said they have information under my name. I contacted Paragon back and they said they can't help me because it is with the attorneys. I am not getting any answers. I continue to get statements. I want to know what this bill is for and when so I can get this paid or it needs to be removed from my credit.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-09-02
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 (TN)

I recently noticed an inquiry on my credit profile from Capital One Auto Finance. Ive never applied for any loan with them. Ive contacted the company directly 4 times asking them to remove this inquiry but they just give me the run around. Theyre not able to verify that I applied. I asked them to provide the IP address for the computer/mobile device used the day of the alleged inquiry from me and they were unable to provide one.

Remove this inquiry from the credit bureaus immediately.