davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-11
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)

The accounts listed below are not mine and could not be mine because I was incarcerated on the dates they were open in prison. I have shared this with all 3 bureaus and sent proof of everything and asked them under 15 U.S. Code 1681c2 that the items be taken off and they only removed one and never responded about the others. So I asked them under 15 U.S. Code 1681d to prove they are mine which I know they cant because they are not and was never responded to. 

The accounts are XXXX XXXX XXXX Opened XXXX {$130.00} XXXX Opened XXXX {$580.00} XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX And the following inquiries XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX, XXXX XXXX, XXXX My Identity Theft Report reference number is XXXX and my police report number is XXXX.
Consumer complaint received 2018-03-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MA)

XX/XX/XXXX : Applied to have an existing mortgage transferred from my existing bank to another. Credit report was pulled & an entry from XXXX  for {$520.00}. ( in collections ) was shown. I had no knowledge of this " creditor ''. Upon my research I found it was a collection agency that had gone bankrupt. I contacted Mass Attorney Generals Office & they advised the debt was bought from XXXX  by XXXX XXXX XXXX XXXX ( XXXX-XXXXXXXX  ). I contacted XXXX, as I had never been notified from either of these companies regarding any debt. XXXX  stated the debt was from XX/XX/XXXXt0 XX/XX/XXXX when it was closed. I asked what the debt was for & was told they only received 2 billing statement when the debt was turned over to them, which had no info on it except for finance charges. They stated the lender was XXXX XXXX   & had a credit limit of {$300.00} on it. ( Why is it {$520.00} now & what was it for ). XXXX did not know & advised to try myself to investigate more or pay the debt. I am not paying for something that I do not know what it is. XXXX  also stated that alot of the information they received from XXXX had not been accurately reported. I would like this removed from my credit report as my obtaining a transfer of mortgage depends on it.
Consumer complaint received 2018-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WESTERN UNION COMPANY, THE (TX)

Supposed to get payment from XXXX XXXX  Western Union since I have been a customer from XX/XX/2011 to now and have received nothing from them, how do I get my refund??? 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Tx. XXXX XXXX
Consumer complaint received 2017-09-30
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CREDICO. INC (SD)

Please reference previous complaint XXXX. XXXX advised CFPB that itemized bills would be supplied to me, but they were never sent or received. We have been making automatic payments. I advised XXXX that they were not to contact my husband 's phone number XXXX on XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX I contacted XXXX in order to obtain the remaining balance and to find out if a settlement offer was available. I contacted them from my phone number XXXX and provided that same number as the call-back contact number. I did not provide any other number for follow up communication. Therefore, the " do not call '' order for XXXX was not lifted. 

Unsuccessful attempts to speak with XXXX representative XXXX XXXX happened on XXXX/XXXX/XXXX at XXXX, XXXX/XXXX/XXXX at XXXX, and XXXX/XXXX/XXXX at XXXX. I received missed call with messages at XXXX on XXXX/XXXX/XXXX at XXXX which I did not return that same day. Received a missed call but no message on XXXX/XXXX/XXXX at XXXX. 

Also at XXXX on XXXX/XXXX/XXXX XXXX representative contacted phone number XXXX and left a debt collector message. This number does not have permission to be contacted and is still on the " do not call '' list for their company for my debt and this matter. This is the matter for which they have violated CFPB and FDCPA do not call regulations for debt collectors. 

On XXXX/XXXX/XXXX at XXXX I returned their call from XXXX and left a message to call me back at XXXX. 

On XXXX/XXXX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX me at XXXX, and we were able to speak. I asked what the procedures were to obtain a settlement, to which she advised that I just needed to make an offer and she would discuss it with the creditors and let me know. I advised her that I would need to discuss this with my husband and would follow up with her. 

On XXXX/XXXX/XXXX at XXXX am, my husband called XXXX XXXX from XXXX from his phone number XXXX and spoke with her. She said that she had already talked to me and then proceeded to request final payment from him. He is not named on this debt. This is the second violation that I am filing as she is discussing and providing debt information to a relative without my written or verbal authorization. During that discussion, my husband did say that he would offer {$1500.00} to settle the debt which is currently {$2300.00}, which total was given to my husband over the phone. She immediately advised him that this would not be an acceptable offer and she countered with {$1800.00}, which my husband refused. 

I have yet to be given the opportunity to review the full accounting of the debt they are collecting. I fully admit that there might be some funds due for medical bills that I did not pay, or for which insurance was not correctly filed. I have been denied my rights in disputing this debt due to the fact that we have at no time been provided with an opportunity to view all of the charges.
Consumer complaint received 2017-12-25
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: Experian Information Solutions Inc. (NY)

I FOUND PUBLIC RECORD ON MY CREDIT REPORT IS INCORRECTLY PLACED ALONG WITH 8 ACCOUNTS IS NOT EVEN BELONG TO ME : 1- XXXX XXXX XXXX ACCOUNT # XXXX 2-XXXX ACCOUNT # XXXX 3-XXXX ACCOUNT # XXXX 4-XXXX XXXX XXXX XXXX ACCOUNT # XXXX  5-XXXX ACCOUNT # XXXX 6- XXXX/XXXX ACCOUNT # XXXX 7- XXXX XXXX XXXX  ACCOUNT # XXXX 8-XXXX ACCOUNT # XXXX
Consumer complaint received 2021-09-07
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. (IL)

Transunion is reporting unverified inaccurate bankruptcy on my credit report claiming the information was verified by data furnisher XXXX. So I went to XXXX directly to verify and as a result of there investigation, they are not showing any bankruptcy in there files. I sent the results of the investigation to Transunion on numerous occasions and they responded XXXX file # XXXX verified as accurate. How can Transunion verify information that does not exist in the data furnisher files, letters enclosed. Transunion seems to not be verifying the letters sent or totally ignoring my request to delete the unverified bankruptcy from my report by just sending a computer generated response.
Consumer complaint received 2017-12-25
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. (NY)

On XXXX XXXX, 2017 the allege debt XXXX XXXX, XXXX. is reporting as owed is inaccurate and has been discharge pursuant 11 U.S. code 727. XXXX XXXX XXXX is reporting false information to XXXX. I have made several attempts to settle this matter and XXXX XXXX XXXX. continues to cause injury and damages to my personal credit, defame reputation, and slander my character. XXXX XXXX, XXXX is in violation of Fair Credit Reporting Act, Fair Debt Collection Practice Act, and NEW YORK STATE Debt Collection Laws..
Consumer complaint received 2021-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (VA)

My mortgage was transferred from XXXX to PHH Mortgage effective XX/XX/XXXX. The taxes and home owners insurance were due in XXXX of 2021 and were not paid from our escrow account. In XXXX of 2021 I received notification of delinquent taxes and that my insurance had not been paid. I contacted PHH Customer Service on XX/XX/XXXX to inform them of the issues. PHH mortgage gave me a fax number to send the notices to and I faxed them the following week. In XXXX I received additional notices that the taxes and insurance payments were still delinquent and that my insurance would be cancelled at the beginning of XXXX. I called PHH Customer Service again, they said that the taxes would be paid but they needed me to send the insurance binder. I sent the insurance binder to PHH on XX/XX/XXXX. As of XX/XX/XXXX the insurance was still not paid so we paid it to avoid cancellation. The city sent us a third delinquent notice on our taxes so we are about to pay that as well. PHH has demonstrated an inability to manage the routine administrative aspects of keeping our mortgage and our property in good standing.
Consumer complaint received 2017-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NE)

A state tax lien on my record does not show my full social security number nor my date of birth. It also does not contain my address. As it does not contain the mandatory information required by law, I respectfully request that it immediately be removed from my credit report. I have filed XXXX disputes in the past with both credit reporting agencies.
Consumer complaint received 2017-09-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

I had a FHA Mortgage and was doing a Short Sale with XXXX XXXX. My loan number with XXXX XXXX XXXX was XXXX and my loan number with Carrington Mortgage is XXXX and the property address is XXXX XXXX XXXX, XXXX, NY XXXX. 

The Real Estate Broker sold the property for {$240000.00} to a cash buyer ready to close but XXXX XXXX XXXX sold the property to Carrington Mortgage for {$680000.00} instead. 

XXXX XXXX and XXXX XXXX who work at Carrington Mortgage changed the lock on the house and lock the owner out of his house.XXXX XXXX tried to bribe the homeowner by promising to give {$10000.00} to the homeowner if he would sign the deed transfering the house to him.I have the email to prove it. 

Recently, XXXX XXXX broke into the house and renovated the house and listed the same house for XXXX This house is still owned by XXXX XXXX according to the property record.XXXX XXXX and XXXX XXXX should be arrested today.
Consumer complaint received 2018-03-23
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Santander Consumer USA Holdings Inc. (NY)

Hi i am writing to you today because i had a dispute with you and it seems like you guys are not conduction an investigation because i have sent a dispute for the 30 days late that you reported me and you guys removed it from XXXX  but you didn't remove it from XXXX and XXXX then 1 month later i see it reapeairs on XXXX as if nothing happened before furthermore i see that you have multiple inaccurate reporting on my report because the 3 bureaus are all reporting differently for example look at the date of last activity, look at the date of last payment, look at the balance, look at the monthly payments, they are all reporting differently between the bureaus as i will attach a report
Consumer complaint received 2017-09-30
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. (MD)

I have repeatedly asked for evidence to support their reporting, but yet again they have failed to provide me with any viable evidence bearing my signature submitted by XXXX XXXX XXXX, sustantiating their claims. Furthermore, I have requested their method of verification and they have not complied, which is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2017-12-26
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. (GA)

I checked my equifax credit report and found reporting XXXX XXXX XXXX credit card closed account which should not still be in my credit file. I took up the matter with XXXX XXXX XXXX and they say they are not responsible for that in my report and I should contact equifax. I informed my local DA office and they want me to contact equifax and if the matter is not resolved then I send them the information. This XXXX XXXX XXXX credit card should have been removed from my while ago but still continue reporting in my credit file.
Consumer complaint received 2017-09-30
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. (MD)

I have repeatedly asked for evidence to support their reporting, but yet again they have failed to provide me with any viable evidence bearing my signature submitted by XXXX XXXX XXXX, sustantiating their claims. Furthermore, I have requested their method of verification and they have not complied, which is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2021-02-04
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. (PA)

This account was opened without my consent by my ex. I only found out it was in my name after legally separating. My ex missed a payments and later totaled the vehicle. I was left to settle and pay on the account off and legally go after my ex for the funds paid. I have yet to recoup my funds and on top of that XXXX XXXX does not have the original documents signed in my name nor does it have records of the last payment I made to close the account on XX/XX/20. I have the receipt to prove I paid it yet they have no record on file when I call. Ive talked to various managers and always the same answer. They will not take this account off of my credit report even though I did not open it and they can not produce Proof of Ownership with my signature on it.
Consumer complaint received 2017-09-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MD)

Amount : {$550.00} I have repeatedly asked for evidence to support their reporting, but they have failed to provide me with a copy of any viable evidence with my signature substantiating their claims. Futhermore I have requested their method of verification and they have not complied, which is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2017-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

On XXXX XXXX, 2017, Wells Fargo has posted incorrect information to credit bureau stated that my " Wells Fargo credit card account does n't paid on time as agreed, proportion of balance to credit limits on Wells Fargo bank is too high ''. This incorrect information is damage my credit score which I am unable to obtain credit cards.
Consumer complaint received 2017-09-30
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. (GA)

XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX See current reporting statements below on Equifax and XXXX Reports from XXXX XXXX site. Many inaccuracies reported.. Reports different information to different bureaus. XXXX  not available. 

Line of Credit {$8000.00} ... Correct. Incorrect states I owe almost {$18000.00} for excessive interest and fees. How? Account has been closed for years. 

Reports to bureaus 3-4 times XX/XX/XXXX, no report XX/XX/XXXX, or XX/XX/XXXX and now reporting again XX/XX/XXXX.  Same company Reports no past due On one bureau shows none due as minimum payment '. The other bureau owes monthly minimum payment {$9900.00}. ( yes, this is not a typo ) Acct open XX/XX/XXXX and Last Payment XX/XX/XXXX ... probably correct. 

-- wife loss job in XX/XX/XXXX ( not her acct ) and I have not worked since XX/XX/XXXX both of us are XXXX, Company has called leaving various voice mails not disclosing they are debt collectior on my wife 's cell voice mail. Last call XX/XX/XXXX left message stating they were XXXX XXXXl ( not giving name of their company ) and calling about a claim ( no mention of debt collection on voice mail ). She called back about claim and what was this about. Talked to my wife about my account without my permission. She is not a co-borrower on account. Threaten my wife to seize my XXXX and wife ; s SS by freezing our bank account so we couldnt pay our bills so they are paid..We dont own home, do not own vehicle. We have no savings, This company Breaks Credit Card State and Federal Laws -EOCA -The Card Act 2009 -Fair Credit Reporting Act Predator Credit Card Lender. Sent revisions to terms and said you automatically agree or pay account off in full.
Consumer complaint received 2017-09-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NC)

To Specialized Loan Servicing / XXXX XXXX XXXX XXXX XXXX, Please verify that there are no other existing versions of the alleged note other than the two you have supplied to us. We desire that there be no more surprises of differing notes.suddenly appearing. If you are holding other copies that are different in any way, shape or form from these two copies claimed to be the copies of original note please send these to us now..We hope for your cooperation in this matter.
Consumer complaint received 2022-10-03
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. (CA)

In accordance with the Fair Credit Reporting act XXXX ) XXXX XXXX acct # XXXX, XXXX ) XXXX acct # XXXX, XXXX ) XXXX  acct # XXXX has violated my rights. 

15 U.S.C. 1681 section 604 A States I have rights to privacy.

15 U.S.C. 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2017-09-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Big Picture Loans, LLC (NE)

On XXXX I took out a loan of {$200.00}. As of XXXX I have paid back {$260.00}. On XXXX and XXXX of XXXX I tried to pay off the entire loan, but their website would not accept my payment. I tried e-mailing the company on XXXX and received a response on XXXX that basically told me to go on line to pay off my balance. I tried again, and had the same issue. on XXXX the amount to pay this loan off was {$200.00}, and on XXXX, the amount went up to {$210.00}. They tried twice ( supposedly ) and told me that my bank declined the payment. They then told me that they could process it the same way that the bi-weekly payments have been coming out, but that they could not process it until Tuesday, XXXX, and the amount would be even higher. Then when I complained about how difficult they were making it to pay off my loan they told me to call my bank to authorize the payment, but every day that passes, the pay off amount continues to go up. 

This company needs to be shut down.
Consumer complaint received 2017-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (LA)

NOT MINE, NO LEGAL CONTRACT, not authorized, no knowledge of this account. I have this negative account reporting on my credit report the account is reporting negative information and the account is saying I had it and its been open for 23 years .If you do the math I 'm XXXX XXXX XXXX today if I opened this account 23 years ago that makes me XXXX XXXX XXXX XXXXCAN YOU PLEASE TELL ME HOW CAN A XXXX XXXX XXXX HAVE A CREDIT CARD IN THE USA.I CONTACTED COMPANY about this several times and They told me I 'm responsible for the account even after finding I was only XXXX XXXX XXXX at the time this account was opened .This is just ridiculous
Consumer complaint received 2017-09-30
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc. (LA)

debt has been paid in full but still reporting negatively and unpaid on my credit report hurting my credit score .The incorrect amount of the loan is also reporting on my credit report .i mailed letters to company to removed the wrong loan amount reporting & to update my account paid .I never received a response mail.
Consumer complaint received 2018-03-23
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. (NC)

Their is errors on my credit report that I did not validate or authorize. These accounts/inquires below need to be removed immediately because they do not belong to me. 

REMOVE COLLECTIONS : XXXX XXXX - XXXX - {$260.00} XXXX XXXX XXXX XXXX - XXXX - {$710.00} REMOVE INQUIRES : XXXX XXXX XXXX/XX/XX/XXXX XXXX XXXX XXXX XXXX/XX/XX/XXXX XXXX XXXX XXXX/XX/XX/XXXX XXXX/XX/XX/XXXX XXXX/XXXX XXXX/XX/XX/XXXX XXXX/XXXX XXXX/XX/XX/XXXX XXXX XXXX XXXX/XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XX/XX/XXXX  XXXX XXXX/XX/XX/XXXX XXXX/XX/XX/XXXX REMOVE ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX