davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-26
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$15000.00} ; XXXX XXXX Balance : {$370000.00}.
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT BUREAU OF FARMINGTON, INC (NM)

CBF Services is reporting a collection on my credit file that needs to be removed. I have been disputing the account with them and the bureaus and this has not been removed. I was not aware about this debt and as soon as I was I paid it off immediately. I only found out because it was on my credit, I never received a 30 day right to dispute notice. This is a violation under the FCRA and for that I ask this collection be removed.
Consumer complaint received 2015-10-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

First I must apologize for submitting a dispute for the wrong credit reporting agency. My problem is having XXXX or XXXX hard copy reports for the purchase of a car. One company submitted a request thee times for my credit report for the car. Is this wrong?
Consumer complaint received 2016-03-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (AZ)

XXXX mismanaged the insurance on this account and has since agreed to resolve but the wrong status and account information somehow went to collections XXXX XXXX office of the president of XXXX is handling. this need to be deleted and never effect my credit in anyway, my score needs to be returned to its previous status prior to the fraudulent representation wrongfully reported.
Consumer complaint received 2020-10-19
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)

On XXXX I submitted a dispute with XXXX  and XXXX  to remove an account that is paid from XXXX XXXX. The response was account was " verified '' and would show remained. I called and submitted again on XXXX and was told the same thing. I explained that it was paid and provided the document that was paid and that it should be removed because it was still showing as a negative item on my credit profile. No change. 
On XXXX I submitted a disputes with XXXX, Transunion, XXXX   to have unauthorized inquiries removed. Again I was met with the " verified '' statement. I resubmitted again on XXXX and the same answer. I called and asked if they could send me who they verified these items with and I have yet to receive a response.
Consumer complaint received 2016-09-21
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC (CT)

're quicken loans. I had called them about rates and where I would stand at receiving the rates and if they did a credit check would it be a hard hit, they told me yes. They ask me my birth date and social security number and I gave it him a man named XXXX. I told him not to peruse it because I could n't afford the hard hit on my credit report. He said okay. After he and I hung up, he went and ran a credit check anyway. I was sent an alert via email from XXXX. I checked my credit report and saw that points were removed because of the credit check that they ran without my permission .I would like it to be removed thank you XXXX XXXX.
Consumer complaint received 2016-12-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IL)

This Fraud address was asked to be removed and I did submit proof and a credit report also My DL, ID, Passport proving I was living out of the country and bills. Please have them to remove it. I have asked 4 times by mail over the last 6 months. 
XXXX XXXX Il has never been my Address
Consumer complaint received 2017-02-21
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Professional Credit Management, Inc (TN)

Professional Credit Management of XXXX, AR ( PCM ) intentionally and illegally reported and continues to report false information to Equifax. I had a procedure in XXXX of XXXX. They originally reported the date of first delinquency as XXXX of XXXX, three months prior to the date of service. Pursuant to the Fair Credit Reporting Act ( FCRA ) they must report accurate to the credit bureaus. I have their manager, XXXX XXXX, on a recorded call stating that they do indeed report false information so the information will come off sooner. Reporting false information is still illegal. Since then, PCM has reported the debt as unpaid when it has been paid and now they 've changed it again. In the last 2 months PCM has reported several different false reports, defamed my character, and jeopardized my ability to get sound interest rates. PCM should be shut down immediately and required to cease operations. I am also asking the CFPB to do a full audit of PCM.
Consumer complaint received 2024-01-26
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. (VA)

Requesting the removal of many unlawful hard credit queries from my credit report is the goal of this complaint. The illegal inquiries are noted in the copy of my credit report that I obtained from your bureau on XXXX XXXX XXXX  Per the Fair Credit Reporting Act, kindly look into my allegation. Provide me a copy of my updated, accurate credit report as soon as you can, and please remove any illegal inquiries you discover. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (FL)

My Ex Husband and I purchased our home together in XXXX with a private investor at the time. We are both on the deed and the Mortgage note. 
We took out a conventional Mortgage with XXXX XXXX  XXXX  in XXXX, both listed on the Mortgage but only my husband listed on the NOTE. 
I filed for XXXX in XXXX with it all becoming finalized in XXXX. We then had to either sell the home or one of us assume the mortgage. 
My ex husband refused to let me remortgage the property, so we listed the home for sale. The market was down and there were too many repairs to be done to the home, so there ended up being no extra equity in the home and no offers on the home at the time. 
My ex husband moved out of the home in XXXX. 
I stayed in the home with our son and XXXX animals. 
At this point the mortgage had been sold to XXXX XXXX. 
I went into XXXX XXXX branch and let them know the situation and tried to make payments on the mortgage loan so we would not fall behind. XXXX XXXX refused to let me make payments on multiple attempts stating " I am not an authorized user on the account '. Although, I was on the original mortgage loan documents. This went on up until I received the certified " notice of XXXX '' /Foreclosure '' documents. ( My ex husband was un-servable and received a " default '' ) I submitted " request for payoff '' to opposing counsel in the dockets prior to foreclosure hearing without response. 
At the hearing, I presented the timeline of events to the XXXX. She did not listen and granted the foreclosure. 
Please help ... .I have been trying to make payments and trying to pay off the loan to save my home. My ex-husband is no where to be found and they are going to auction off my house. At the time I requested payoff we owed {$180000.00}. Now the final Judgement on Foreclosure is listing the XXXX XXXX to be {>= $1,000,000}. They have cost me and are stealing {$51000.00} from the current equity in my home. 
All Documents attached : Mortgage Loan Documents and Payment History Final judgement on Foreclosure Formal Request to Fay Servicing for Loan Payoff with Denial Response ( same response since XXXX )
Consumer complaint received 2016-08-16
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I paid this lender off a couple years back. It is not even on my credit report however they are sending me violent email about how my social security is going to be black listed and and I will have a warrant out for my arrest. From ACE legal
Consumer complaint received 2016-08-14
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (MD)

I have been trying to get a loan modification since XXXX 2016 from ocwen. All i get from them is account is in review. They have stopped accepting partial payments and will not help with loan mod. They keep telling me some underwriter with no way to contact them has my information.
Consumer complaint received 2015-11-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Cooper Hoffman Klein Associates (KY)

Almost daily automated calls leaving messages they call " courtesy '' call about a debt that I do not owe as it is not and never was mine. I have no overdue bills, no cosigner obligations, nothing of the sort. The automated calls state " This message is being left for '' [ what sounds like ] XXXX The message states that this is a final call before action is taken, mentions attorneys and a case number. The number on caller ID is XXXX and shows XXXX XXXX, TX as the originator. I called the number and asked who they are and why they are calling me and the person hung up on me when I pressed them. This has been going on for months, though not quite as frequently as it has of late.
Consumer complaint received 2024-01-26
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. (GA)

I trust this letter finds you well. I am writing to bring to your attention a matter of extreme concern and frustration regarding the persistent issues I have faced in correcting a late open account and the associated late closed and charge-off status on my financial records.

Despite my repeated attempts to address and rectify these issues over the past several months, the challenges persist, negatively impacting my creditworthiness and causing significant stress. I am seeking your immediate attention and resolution to this matter.

Here is a summary of the steps I have taken to address these issues : Despite my continued efforts, the late open account has not been corrected, and the associated late closed and charge-off status remains on my records.

I understand that resolving such matters may take time, but the prolonged nature of this issue has led me to escalate the situation formally. I kindly request a thorough and expedited investigation into the root causes of these problems and the implementation of corrective measures to rectify the late open account and remove the late closed and charge-off status promptly. 

If there are specific documents or information required from my end to facilitate the resolution process, please communicate those requirements at your earliest convenience. I believe in fair and accurate reporting practices, and I trust that Credit Bureaus will take immediate and necessary steps to address and rectify these issues. I am asking for your assistance to correct these late open account and remove tha late closed and charge off in my credit file : XXXX. XXXX XXXX XXXX Balance : {$1200.00} - My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 

XXXX. XXXX XXXX XXXX  XXXX Balance : {$36000.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 

XXXX. XXXX XXXX XXXX XXXX Balance : {$0.00} - XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 
XXXX. XXXX XXXX XXXX XXXX : {$16000.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 
XXXX. XXXX XXXX XXXX : {$7900.00} - This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE IMMEDIATELY.
Consumer complaint received 2020-10-04
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. (IN)

There are two recent collections reported from " XXXX XXXX   XXXX XXXX XXXX ''. For starters - I haven't lived in Indiana or been to a hospital, doctor, or been seen by a physician in that state in over 7 years. 

Moreover - I have XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, along with XXXX from the State of Virginia. I have had this coverage since 2013. Any medical expenses I MAY have incurred would have been MORE than covered by my insurances. 

This is a XXXX collection that is UNRELATED to me, and I want it removed from my credit, like YESTERDAY. FIX THIS XXXX - YOU SEEM TO HAVE CONTROL OVER THE NATION 'S FINANCES AND THE WEALTH OF EVERYONE - I'M SO TIRED OF BEING STUCK ON THE BOTTOM RUNG OF SOCIETY 'S LADDER BECAUSE YOU WANT TO REPORT FALSE INFORMATION. FIX THIS OR I WILL HIRE AN ATTORNEY ( NOT TO SOLVE THIS - TO FILE A CLASS ACTION LAWSUIT ). GET YOUR XXXX TOGETHER EXPERIAN.
Consumer complaint received 2022-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I had filed a dispute back on XX/XX/2021 requesting full validation on these accounts as I have no knowledge. additionally, I am requesting a validation on the company right to collection under the FCRA and Fair credit and billing act. I have not heard back from XXXX. If they can not validate, please remove from my XXXX credit report. The following accounts are what I am questing : CollectionXXXX XXXXL XXXX & XXXX Opened XXXX {$110.00} XXXX XXXX Opened XXXX {$410.00} XXXX XXXX  Opened XXXX {$840.00} XXXX XXXX XXXX Opened XXXX {$970.00}
Consumer complaint received 2017-02-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XX/XX/XXXX I requested copies of my XXXX credit reports thru the annualcreditreport portal. I noticed that my Transunion report had a XXXX XXXX XXXX credit card account listed under " adverse accounts '' because of a late payment XX/XX/XXXX. I knew that I had never had a late payment on that account, so i submitted an online dispute with Transunion notifying them of the error. A few weeks later I recieved notice from Transunion stating that the information had been verified by XXXX XXXX XXXX and would remain as adverse on my credit report. Becaus I knew that i had never had a late payment, I called XXXX XXXX XXXX and spoke to a rep in their credit department. The XXXX XXXX XXXX XXXX confirmed that I had never had a late payment. I asked if they could send me a letter stating that the account was never late, and they did. After I received the letter from XXXX XXXX XXXX, I initiated another dispute with Transunion. This time I mailed the dispute, along with a copy of the letter from XXXX XXXX XXXX that said my account was never late. XX/XX/XXXX, I received a letter from Transunion with the Investigation Results from the latest dispute. They had removed the XXXX XXXX XXXX account from Adverse Accounts, removed the late payment, and listed the account under Satisfactory Accounts. I was satisfied with this and assumed the matter was finished. But recently when I requested a copy of my Transunion report, I noticed that the same XXXX XXXX XXXX adverse / late payment information had been reinserted into my file. I called Transunion dispute today, and they said they had no record of the information ever being removed. I would like for Transunion to remove the negative information from my report agian and to please not reinsert it. Also, if they do reinsert negative information that has been previously disputed / removed, i think Transunion should notify me in writing of the reinsertion. Otherwise my credit history is being damaged without my knowledge. Thanks for your help with this matter!
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (PA)

hi my name is XXXX and I am a victim of identity theft. all 3 beauros ( Experian, XXXX, and XXXX ) have used my information without consent or my authorization. It is clear in the law that consumers have the right to privacy which all 3 beauros have violated my federal rights. they have not done their grave responsibility to protect my right
Consumer complaint received 2020-05-01
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. (AL)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX  {$60000.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$2300.00} 09 XXXX XXXX Opened XX/XX/XXXX XXXX
Consumer complaint received 2016-10-11
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Date : XXXX/XXXX/XXXX To Whom It May Concern : TransUnion XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Please take notice on this date, the nature of this letter is to request the removal of the fraud alert on my personal credit reports. And correct my personal information As you will see bellow, my correct identification information for your records : XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have been living here since XXXX/XXXX/XXXX Please update my personal number to my credit profile XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX this is an old address ADDRESS : XXXX XXXX XXXX XXXX, HOMESTEAD, FL XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX - REPORTED XX/XX/XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX REPORTED XXXX have also please delete not my address included the following minimum XXXX proofs of my current mailing address Sincerely, Name : XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am filing this compliant because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed being that they have gone past 30 day mark and ca n't verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as you can. Thanks
Consumer complaint received 2016-03-17
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (TX)

I called Chase XXXX XXXX card phone number to submit a credit card dispute. The representative had trouble understanding me and enter incorrect information on the dispute. I requested to talk to the department supervisor named " XXXX '' at their XXXX XXXX Office. I ask " XXXX '' to send me a formal chase credit card dispute application so I can put everything in writing and they will not be any misunderstanding. XXXX refused to send me such application. I asserted my right under Fair Credit Billing Act and ask XXXX to send me the application. He again refused. He said he can not send me dispute application to my address because the dispute can only be handled via phone and they can not help me with the dispute based on my verbal answers to the representative even though I told him the representative had an English accent and can not understand my XXXX.
Consumer complaint received 2016-09-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XXXX XXXX, 2016, Transunion Credit Bureau was issued an order for deletion through the XXXX system used by XXXX. Transunion still refuges to remove both debts from my credit report. I have spoke to them 30 times even XXXX faxed deletion control numbers to them. Please help me get these XXXX debts removed : XXXX for XXXX for {$17000.00} and {$550.00}.