davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-24
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

Hello, On XX/XX/XXXX I sent the first of many letters to all three credit bureaus XXXX Experian and XXXX in regards to verifying the accounts on my credit report. I requested that they please send me copies of the documents they have in their files, as of this date, they used to verify the accuracy of the accounts I listed in the letter. I asked them to delete the accounts immediately if they did n't provide verification of my connection to these account. The original signed contract between me and the company. Their response was to send me a copy of my report which is not verification that the account is valid Under the Fair Credit Reporting Act. The dates of the letters are as follows First Letter XX/XX/XXXX - XXXX XX/XX/XXXX - Experian XX/XX/XXXX - XXXX XXXX Second Letter XX/XX/XXXX - XXXX, Experian, XXXX Third Letter XX/XX/XXXX - Experian XX/XX/XXXX - XXXX, XXXX Fourth Letter XX/XX/XXXX - XXXX
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (KS)

The courthouse didn't do anything but instead they said there wasn't anything that they could do for me. They wouldn't provide a letter or anything. All 3 credit bureaus are reporting these as bankruptcies and it's hurting my credit drastically.
Consumer complaint received 2017-06-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NV)

I already issued a complaint. The case # was  XXXX . You did n't do anything to help resolve this as the lender 's response did not address the issues. I am issuing another complaint hoping this time you do something about it. All you did was forward my comp laint to Ditech. How inefficient is that. What did you do to understand the problem and identify the resolution? Absolutely nothing. Maybe this time you can get it right.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. Kindly investigate my claim in accordance with the Fair Credit Reporting Act.I request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (VA)

Back in XXXX, I purchased a couch set from Macy 's financed through their in-house financing for 0 % APR ( if paid for within a year ). Following the plan, I paid it off in a year but then they moved their financing to an out-of-house financier. When that move occurred, I theorize that my information was not properly transferred because in XXXX I started to get collection agencies calling me and my credit report showed that I owed more than {$1300.00}. I did not have the paperwork at the time so I paid a creditor, who was supposedly working directly for Macy 's, over {$1300.00} under a payment plan. The collection agency agreed to have this removed. For a time it appeared that it did get removed, but it would occasionally show up a creditor would call me about it, it would show up on my credit report, I would challenge it and it would appear to be removed again. This has happened almost yearly, if not more. Now I am trying for a mortgage loan and it is once again appearing. My creditor provided me with this and am now trying to once and for-all get this removed.
Consumer complaint received 2017-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AUTOMOBILE ACCEPTANCE CORPORATION (GA)

I am writing to dispute the Account or File Number being charged as BAD DEBT/CHARGE OFF AND OR COLLECTIONS that appears on all 3 of my Credit Reports. I have circled the information as it appears on my credit report for a visual that this account is being reported inaccurately.
I previously was told by a representative at Automobile Acceptance that the accounts would be updated with the Credit Bureaus to reflect accurate information. That information has not been updated on my credit report correctly it has been reported as BAD DEBT/CHARGE OFF AND OR COLLECTIONS which is not TRUE/ACCURATE reporting of this account to the Credit Bureaus.
Im having a hard time comprehending why this account is still being reported to the Credit Bureaus when the account was Paid in Full on XX/XX/XXXX. Per the Fair Credit Reporting Act I have the right to dispute all inaccurate information contained in my file. Therefore I will need documentation on a Company Letter Head that the account will be deleted from my report or further action will be taken.
Enclosed are copies of my credit report from XXXX, XXXX & XXXX. I have circled the information that is INACCURATE. I have also enclosed letters from Automobile Acceptance that states that the account should be 1 ) Paid or Closed Account/XXXX Balance 2 ) Payment Rating of Current.
To resolve the problem, I am requesting that the account be removed from my credit report because this is causing major harm to my credit. This can be done and will be done because this matter should have been resolved when I received the letter from the Employee XXXX XXXX dated XX/XX/XXXX stating that the account was Paid in Full ; as well as a letter from Employee XXXX XXXX dated XX/XX/XXXXstating that the account would be updated with the Credit Bureaus. This is NO JOKING MATTER because this unresolved account is hindering my life and causing harm to me.
I need this issue expedited so that the issue will be resolve once and for all.
Consumer complaint received 2020-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was a victim of storm Sandy in NY in XXXX. Unfortunately that was followed by numerous incidents including but not limited to Home Invasion, Grand Larceny, Burglary followed by ( what I didn't know at the time ) Identity theft. 
I had numerous records and accounts that are associated with identity theft. Said account where opened without my permission and authority and I had no knowledge that these accounts ever existed until I started receiving notices of missed payments and my credit report reflected these negative account ( s ). 
Police report was filed and submitted to all Credit reporting companies, however, no actions were taken by any of them in order to remove said derogatory information off my Credit Report. 
Furthermore, my Bankruptcy that was filed due to a lengthy and hideous divorce proceedings that started in XXXX in still on my records despite 7-10 years guidelines set by Rules and Regulations of CFBP. 
I respectfully request your assistance in resolving these issues and removing negative information off my Credit Report. 
Sincerely, Mr. XXXX XXXX
Consumer complaint received 2017-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Trans Union fa iled to correct wrong information on a public record, a N Y State in come tax lien causing me to lose a {$10000.00} a month contract and is now o  n Public Assistance and about to be evicted.
  XXXX   and  XXXX  corrected the information and removed the Lien on   their reports since  XXXX     2017  howeve r Trans Union r efused to do so.   The amount reported is incorrect, the address was incorrect, there was no Social security # identifying me.   This has ruined my family 's life.   I understand that as of  XXXX   XXXX ,  2017 , this information will no longer be reported.
Consumer complaint received 2017-06-23
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: EQUIFAX, INC. (DE)

Equifax is reporting an unpaid tax lien in the amount of XXXX. I filed a dispute stating its not my account, they investigated and just updated my report but did not remove it. When I contacted the courts that placed the lien, I was told when they did a search on my name, the lien came up but when they compared it with my social security number, the lien was n't there. I explained this to Equifax and said they placed this on the wrong person and was told they would not remove it until the courts contacted them.
Consumer complaint received 2022-09-07
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2017-03-30
Product: Credit card — 
Issue: Application processing delay — 
Company: Total Card, Inc. (DC)

I applied for a credit card through XXXX and was approved on XX/XX/2017. During this time I did n't receive my card after multiple times calling in reference to not receiving it I finally received it on XX/XX/2017 and I activated it. I had already been charged the Annual Fee of {$75.00} and a Express mail fee of {$35.00}, so I paid the {$110.00} and then they closed my card. I asked them to re-open it because they had obtained the {$110.00} and after 2 1/2 weeks of constantly being told that it would take 3 - 5 business days to re-open the account, I was told yesterday that I would need to pay an additional {$89.00} before they could re-open my account. This is inconceivable and seems to be a scam.
Consumer complaint received 2017-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MI)

Midland c redit management is trying to collect on a debt they bought from  XXXX . I h ave sent 2 certified letters to midland asking them to provide proof that this debt is valid proof being a c ontract bearing my signature ( which does not exist ) each and every time midland sends me a letter stating the debt is valid which it is not as  you recall Midland h as previously been found to be illegally collecting on debt that the consumer does not owe on. This again is the case here. Perhaps if they spent more time investigating these items instead of looking for instant profits they would do themselves a great service. As of today I have not been provided me with a contract bearing my signature which is the only form of validation acceptable under the law.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (TX)

I have sent a certified letter to JPMCB XX/XX/XXXX with no response, informing their company I did not authorize anyone of the company to review my credit report. I rereviewed my most recent credit report and there is still a Hard Inquiry that appears from XX/XX/XXXX. I did not apply for a credit card with this company, in fact on that date I was on vacation for my birthday.
Consumer complaint received 2017-06-09
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: Experian Information Solutions Inc. (AZ)

Experian has been insufficient in upholding the law. I have been disputing with the company XXXX XXXX since XX/XX/XXXX. <P/>I have requested that the company provide VALIDATION and VERIFY the account. It was NEVER done. <P/>Each dispute the company said " we need more information from the consumer '' ( see attached. ) Each dispute, re started the clock, which is AGAINST the law. <P/>I am attempting to buy a home and get a JOB, w/ a Security Clearance. <P/>Are there NO managers supervisors at Experian that looks personally at accounts and say, " this account was in dispute since XXXX, the company is n't following the law therefore we can not continue to keep this on the consumer 's credit? '' This account should have been REMOVED when the company came back with unverified information. <P/><P/>2ndly, I have two hard inquiries from XXXX and XXXX. I did NOT authorize the XXXX inquiry. <P/>I was told to put the block on my account to prevent more unauthorized inquires. NONETHELESS, I call reps and they REFUSE to remove an unauthorized inquiry. <P/>The XXXX XX/XX/XXXX and the XXXX inquiry should be removed. <P/>The other unverified, invalidated item on my report is from XXXX. the company did not Follow LAW. I was not told of this account or allowed to dispute it. <P/>Experian has my dispute, the companies apology and has still NOT removed. the account. <P/>I called Experian to tell them that there was an inaccurate payment history on my XXXX XXXX account. It showed 90 days past due XX/XX/XXXX. This was untrue because I was in forbearance. <P/>Attached is my payment history prior to my phone call to Experian and after my phone call to Experian. the 90 day late, with the history I sent was corrected ; however my credit history was removed. <P/>update my credit history.
Consumer complaint received 2017-08-23
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. (CA)

I have recently obtained a copy of my credit file and there are many unverified inquiries in my report. These inquiries listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. XXXX : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 XXXX XX/XX/XXXX
Consumer complaint received 2017-06-09
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (SC)

Made scheduled payments according to agreement but now Bank saying I missed payments last year. I have Bank statements but the say I need cancelled checks. I tried to explain I have a checkless checking account so there are no cancelled checks. They accepted a  XXXX  payment in  XXXX  and the I sent  XXXX  in  XXXX  that they refused. I have had this problem several times before and always look for a way to come to a settlement in which I end up paying thousands of dollars upfront and large payments following months. Then once I 've satisfied my agreement they come up with something new. I can provide more indepth detail about events over the last few years if needed. I feel the Bank is doing this to me intentionally and I feel it 's based on discrimination and wonder how many other  XXXX  Americans are having/have had the same problem. If I had missed payments the way was the  XXXX  not applied to that rather than to the current month s (   XXXX ,  XXXX , &  XXXX   ). I  forgot to mention that they refused payments back i n (   XXXX ,  XXXX , &  XXXX  ) of    2016. Th ey refuse all these payments and then require me to pay them all in a lump sum upfront payment. I 'm not a wealthy person and a single parent who basically lives paycheck to paycheck. I need to know if I ha ve a legal avenue to file a  class action suit or what can I do to stop this type of recurrent action. Why did they accept my  XXXX  payment in  XXXX  and then move to foreclose on my home? Why did n't they say something then?
Consumer complaint received 2017-06-09
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Risecredit, LLC (CA)

On multiple occassions,  XXXX   XXXX   XXXX  has called me at work. Once they left a voicemail and the other time I picked up. Our work lines are recorded and now our conversations are recorded in my system at work. Now I 'm stuck with the potential of losing my job if that conversation or voicemail is heard during quality testing. Every day I fear it 's my last day because those conversation are recorded and archived. The person was also very rude and would not allow me to exit the conversation.
Consumer complaint received 2017-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (CA)

I need to file a complaint against Discover for falsely advertising a credit card offer promotion for using   XXXX   XXXX  . The first  XXXX    XXXX   XXXX   came with a {$5.00} promotion. Discover told me on several occasions that I would received it this  XXXX , but I did not. They admitted to their error, but are still trying to make me wait for 1-2 more billing cycles.
Consumer complaint received 2022-09-08
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: Experian Information Solutions Inc. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc. (AL)

The companies are XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Trust, XXXX, XXXX XXXX, XXXX, FCI Lender Services, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX. From XX/XX/XXXX to XX/XX/XXXX ( 3 assignments ) there have been numerous assignments of my mortgage which I believe are fraudulent. There were 8 assignments in just the last 9 months. I have paid interest on a XXXX dollar loan since XXXX at 8 % and have never received a IRS form XXXX which I believe would have helped me when I filed my taxes each year. Also I made two lump sum payments totaling approximately {$630000.00} in XXXX. I never received an accounting of my balance until last month and FCI Lender Services and XXXX XXXX XXXX state I still owe over {$400000.00}.
Consumer complaint received 2022-09-08
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: EQUIFAX, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2017-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: AMERICAN EXPRESS COMPANY (CA)

I received an offer in the mail for a platinum  card from Amex. I held a basic credit card with them and thinking because of my good record with that  card they were offering me this platinum card. I applied and was accepted and a card sent to me in the post. Only after using the card and receiving their bills did I query why they were charging me the full amount of cash used rather than a portion, how other card operated. They then advised me that oh no this card is a pay all card whatever you use you pay off at next billing cycle. They the advised the it 's in the " small print '' so this is not a credit card after all. At this time I had already committed to purchase a bicycle from   XXXX   XXXX  . A deposit was paid and could not be reversed. This card is a dangerous card.