davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

0n XXXX XXXX a dispute was generated with Experian against a falsely reported account by XXXX XXXX appearing on my credit report ; Experian said they investigated, and the debt was valid. 
I did a 7 day test drive with XXXX, and XXXX XXXX was to finance if I accepted the car ; I returned the car to XXXX, and received my down payment back, but Go financial is reporting this as a debt to credit bureaus. 
I have spoken with XXXX XXXX, and they stated there was nothing they could do concerning this, I also spoke with XXXX, and they stated the car was returned, and this was not a valid debt. 
I need this removed from my credit report as this is false information, and hinders my ability to purchase anything due to debt to income appearing to high.
Consumer complaint received 2015-08-15
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Optimum Outcomes, Inc. (GA)

These medical debt collection agencies has attempted to collect a debt on several different levels. One was a debt that my grandson 's school was responsible for because he had football insurance, the others were used against me when I gave them my VA medical insurance information upon entry to the ER and on their constant harassing and threatening phone calls, to no avail. I am now a 100 % XXXX veteran living off of XXXX and declared " unemployable '' XXXX. 
XXXX was sent a " victim 's fraud '' package.I also sent them relevant documents. So why deleted only XXXX They dismissed XXXX accounts and not a XXXX one. This is very disturbing to me. I have a XXXX XXXX XXXX as well as XXXX and this does not help XXXX. 
During hurricane XXXX I was a victim of fraud. And the credit bureau has an " VICTIM FRAUD ALERT '' on my credit because all necessary police and other reports were submitted to them.
Consumer complaint received 2018-03-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (MO)

I had a medical debt that was transferred to Capital Accounts LLC, I  paid the account in full on XX/XX/2017 but it still shows on my credit report that a balance is owed. I have called 3 times and every time I call they tell me they will get my information sent over to the credit bureau. Each time that I call the representatives are very rude. I just want this removed from my credit like they assured me it would be.
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

XXXX XXXX and XXXX and reporting inaccurate information. they are also displaying the wrong fees and interest. The account does not reflect payment and they are violations of fcra and FDCPA
Consumer complaint received 2018-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (OH)

I have made a purchase on XXXX site on XX/XX/XXXX. Subsequently have returned the merchandise as per Return Policy and requested a refund. However the company issued a Partial Refund. So I started a Dispute with Chase Credit Card on XX/XX/XXXX. As of now, there is no action whatsoever on my Dispute. As I have returned merchandise in the Unworn condition and have acted strictly by the Return Policy that I still have a screenshot of, I am requesting a Full Refund, yet Chase is n't moving. My Dispute is for the balance of the purchase in the amount of {$57.00}.
Consumer complaint received 2017-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation (GA)

Received an alert from XXXX that a new account was placed for collection by a company by the name of XXXX XXXX XXXX on XX/XX/17. I do not have a contract or have done business with this company. This new listed collection account has dropped my credit score by several points.
Consumer complaint received 2016-03-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc. (CA)

I do not owe this debt. This debt belongs to my father. He was born in XXXX. I was born in XXXX. We basically have the same name except I am the XXXX ( or XXXX ). Please remove this debt from my credit report and delete it from all credit reporting bureaus. I did not originate this debt
Consumer complaint received 2021-02-08
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. (TX)

See attached information I received today from XXXX XXXX XXXX XXXX. IT IS NOT what I have been requesting. I have been requesting the VALID PERMISSIBLE PERMISSION from 4 years ago that was used to purchase a car fraudulently in my name. It doesnt exist but I have been requesting it to prove to XXXX XXXX XXXX XXXX that the purchase was fraud and theft. XXXX XXXX XXXX XXXX UNLAWFULLY accessed my credit so a thief could purchase a car in my name. XXXX XXXX XXXX XXXX knows the permissible permission does not exist and will continue deleting this complaint by labeling the complaints as duplicate. 
THEREFORE and according to the Fair Credit Reporting Act ( FCRA ), a national consumer credit reporting agencys role in the dispute process is to review the accuracy and completeness of any disputed item WHICH MAY INCLUDE, BUT NOT NECESSARILY, contacting the furnisher of the information. In order to help resolve the consumers dispute, the Credit Reporting Agency is required to review all relevant documents submitted by the CONSUMER ( which is me ) and will forward such documents to the furnisher IF THE CREDIT REPORTING AGENCY is unable to resolve the issue based on those documents. I am requesting and demanding Transunion and XXXX XXXXo review the ATTACHED application that XXXX XXXX XXXX XXXX claims is the reason they had permissible permission. The attached application clearly proves XXXX XXXX XXXX XXXX unlawfully accessed my credit report. NOTICE IT IS UNDATED AND INCOMPLETE AND SHOULD HAVE NEVER BEEN PROCESSED AS REFERENCED AT THE TOP OF THE APPLICATION. I AM DEMANDING TRANSUNION AND XXXX NOT SEND ANYMORE WORTHLESS FORM REPLIES THAT SHOVE THIS MATTER TO THE SIDE and to review the document for completeness and accuracy which didnt allow my personal information to be accessed. Surely after 4 years Transunion and XXXX  would have already investigated by receiving the attached application used as the permissible permission from XXXX XXXX XXXX XXXX. In addition, I have attached Transunions NOTARIZED Identity Theft Victim Affidavit. What further proof is required?
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX is the company that is reporting this to XXXX and TransUnion. They removed it on XXXX but they were not able to remove it on XXXX and TransUnion. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2017-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Good Afternoon, The 3 credit agencies have two wrong addresses on my report. I never lived atXXXX XXXX XXXX or XXXX XXXX XXXX and I need to find out how to get back a government check from social security that was mailed to XXXX XXXX XXXX in or around 2012 when we were allowed an extra XXXX dollars cost of living one time for the year check. Please, help me. Someone cashed that check illegally and I never got any help because at the time I owed taxes and I had to pay extra when I should not have. That money should be reimbursed but all the necessary important places claimed they could not find or help me. Did that slip through the system too? 
Thank you, Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC (MD)

Radius Global Solutions contacted me regarding debt collection and on XXXX XXXX, their written communication was responded to Im writing in which it was made clear that I am a victim of identity theft and needed further information from them but they were also informed to cease and desist. Following my complaint, I have recorded continuous contact being made by this company despite my request. On XXXX XXXX I mailed the company another letter informing them of my rights as a consumer and requesting that the stop contacting me everyday except to provide my requested documents by mail. Today at XXXX the company contacted me by phone again violating my rights as a consumer. The calls are a complete disregard for the rights allotted to me as a consumer and are harassing.
Consumer complaint received 2016-06-24
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: Onity Group Inc. (MD)

I did not not transfer a loan to Ocwen. Ocwen did not give me anything. 
I paid indy Mac to payoff a mortgage at XXXX XXXX XXXX in XXXX. I paid XXXX XXXX XXXX to pay off a mortgage at XXXX XXXX. 
I have so far paid the {$510000.00} that paid off the original 30 year, 6.5 %, {$220000.00} loan. Plus the {$57000.00} down payment I made in XXXX. In XXXX commerce bank gave me a {$36000.00} line of credit to payoff a {$7600.00} credit card balance. XXXX gave me a {$35000.00} line of credit to replace the {$11000.00} I owed commerce bank now I owed {$18000.00} to XXXX. 
With {$16000.00} remaining credit. 
Duplex refinance. 
{$60000.00} loan pays off {$41000.00} and {$18000.00} XXXX balance. 
But XXXX does not have a lien on my duplex. XXXX did not have a lien on my duplex. 
I owe XXXX XXXX {$60000.00}. I owe XXXX {$0.00} I owe XXXX {$0.00} I have a {$35000.00} line of credit and a {$220000.00} first mortgage. 
Indy Mac used the {$35000.00} to pay {$44000.00} - {$7000.00} = {$36000.00}. 
I owe Indymac the {$220000.00} mortgage + {$35000.00} 2nd mortgage + {$60000.00} {$320000.00} With {$260000.00} balance with {$28000.00} credit to pay {$4400.00} escrow = {$23000.00} + {$60000.00} or {$82000.00} with {$23000.00} credit remaining to pay 4.5 years of taxes and insurance {$230000.00} paid to Indymac. 
{$62000.00} paid to XXXX XXXX {$290000.00} paid. 
{$97000.00} interest due ( {$130000.00} reported. ) {$38000.00} escrow disbursed ( in the loan ) - {$4800.00} paid to midland. 
{$33000.00}. 
- {$1000.00} surplus {$32000.00} total escrow. 

{$97000.00} {$120000.00} total costs from {$290000.00} {$160000.00} paid to principal. 
{$260000.00} balance XXXX {$99000.00} total balance due with {$53000.00} due to XXXX XXXX {$45000.00} due to Indymac {$100000.00} + {$10000.00} escrow surplus {$120000.00} paid ( + duplex foreclosure ) interest taxes insurance {$60000.00}. 
{$60000.00} overpayment + duplex value {$140000.00} paid - {$53000.00} = {$91000.00}. ( Buyers mortgage ) XXXX They owe me {$150000.00} PLUS duplex XXXX My balance is {$0.00} Bankruptcy {$630000.00} debt discharged ( for {$140000.00} balances of which {$80000.00} was extinguished {$270000.00} remaining balance is credit. Of which {$220000.00} is prepaid XXXX = {$150000.00} remaining PREPAID credit PLUS the {$150000.00} they owe me is. {$310000.00}. 
I OWE {$0.00}. they owe me $ XXXX.PRINCIPAL balance plus a duplex! 




The total of credit lines was {$250000.00}.
Consumer complaint received 2018-01-06
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 was pulling my credit to looking into buying a home this year and I seen that there was quite a few unauthorized accounts on my XXXX XXXX, XXXX, Experian reports. I have not access my credit file since XXXX or XXXX and it seem as if someone use my personal information to access utilities and cable bills. I do not recognize these accounts that are listed on my credit file XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX ... I no longer live at the follow addresses I have been the victim of ID Theft so please remove the following address : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX SQ, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2021-01-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed several items regarding XXXX XXXX XXXX XXXX that do not belong to me, however they are reporting to my XX/XX/XXXX report. I disputed the item with both XXXX and XX/XX/XXXX I have stated that these items belong either to identity theft or placing accounts that belong to my father on mine. XX/XX/XXXX unlawfully combined my credit report into 2 different reports and I believe this information from XXXX XXXX XXXX XXXX is part of this. I am attaching a letter sent to XX/XX/XXXXand Transunion requesting an investigation into my dispute under Section 609, 611 FCRA and as of the submission of this complaint, XX/XX/XXXX has not responded to my request, they only verified the information as accurate when the information is not accurate as they do not belong to me. XX/XX/XXXX and XXXX have violated The Fair Credit Reporting Act by not conducting a proper investigation into my dispute, by not providing to me, specific documents I have requested regarding my dispute with XXXX XXXX XXXX XXXX. More than 30 days have elapsed, an investigation in accordance with Section 609, 611 FCRA has not been conducted and I have not been provided any documentation in connection with my dispute regarding XXXX XXXX XXXX XXXX. Please find the attached dispute letter under Section 609, 611 FCRA as I request any derogatory report from XXXX XXXX XXXX XXXX be removed from my credit report.
Consumer complaint received 2016-06-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Diversified Consultants, Inc. (CA)

I paid what I was told was my final payment on a XXXX XXXX XXXX phone that I cancelled. Next thing I new I received a letter for collection. I called to ask whet this is about they told I still owed money on this XXXX phone. I told them this was a mistake and I hung up and called XXXX XXXX XXXX. XXXX would not discuss the bill because the bill was sent to collections. But, they did tell me that XXXX XXXX called and change my address to a North Dakota Address. I asked them who authorized the address change and they said she did. No XXXX XXXX on account. After a couple of months I received another letter from a different collection agency. I called them and explained what happened and they said to pay the bill and they will have the back office review and the collection could come off my credit within 60 days. so, I paid. XXXX collection still on my credit report and now the North Dakota address appears on my credit report. Thanks for you consideration
Consumer complaint received 2016-07-29
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was contacted my someone from capital one just as my o % promo period was ending, He told me that because i make more then the minimum monthly payments and as long as continue to make my payment on time that they were going to extend the o % promo to me as well as raise my credit limit. I was skeptical so afterwards i call customer support to confirm this and they informed me that i was good to go, As lone as i do n't do cash advance. 
Well not exactly i go paperless and i just reviewed my account on line and im being charged 23 % interest now.
Consumer complaint received 2017-12-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

I lost {$30000.00} in wages earlier this year and requested a loan modification with my mortgage company, Wells Fargo. It took them almost 5 months to process this request and get approved. They dropped my monthly payment by {$20.00} dollars which obviously was not enough so I could not make my trial payments and still could n't afford the payments. When I got back into a position where I was making more money I contacted Wells Fargo again and informed them of this and asked what I could do to bring the loan current. I was told I had 30 days to come up with {$10000.00} or they would foreclose on the house. I contact our State 's department of Finance who contacted them on my behalf. I received a letter from them on XX/XX/XXXX that they were going to see what they could do to help me. The very next day I was served with Foreclosure papers. That had been filed with the court on XX/XX/XXXX to be served the day the money was due. So they continued on with the Foreclosure process although they had told me they would give me the 30 days to come up with the money. Upon receiving the foreclosure court documents I contact them again at the executive branch number that was given to me when I was contacted about the state department of finance contacting them. I spoke to one representative who was not helpful and could not tell me what was going on with my case but took down info and assured me my case worker would call me that same day as it was my only day off. I received No phone call. I called again on XX/XX/XXXX and left him a voicemail with name, best number to reach me at, and that I would appreciate him calling me back before XXXX as that is when I needed to leave for work. I have provided a more detailed account of my issues with Wells Fargo in the supporting documents
Consumer complaint received 2018-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

Okay I have 3 problems which all of them i have no knowledge of this accounts.

i have never opened any of this accounts, and i told them many times i just ca n't provide evidence that this are not my accounts i have never been there or open accounts, i never gave any one permission to open accounts on all of this 3 places because of them my credit score been ruined, they ruined my life i just ca n't get rid of this collections, This all 3 accounts place a collection on 3 credit bureaus. 

Original Creditor : XXXX XXXX XXXX collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX date-XX/XX/XXXX balance- {$3100.00}
Consumer complaint received 2024-01-31
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. (RI)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: Convergent Resources, Inc. (GA)

On XX/XX/2020 Convergent Outsourcing, Inc. sent a collection letter to me for a debt. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA Convergent Outsourcing , Inc. has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.