davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XX/XX/2023 I mailed a letter to all 3 credit bureaus informing that the XXXX XXXX XXXX has expired and I would like all of the items included in the XXXX XXXX deleted as well as the XXXX XXXX
Consumer complaint received 2024-12-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (IL)

This account was charged off in XXXX of XXXX. It is obsolete and too old to appear on my credit report. I have not made any payments since XXXX  and the company is reporting incorrect information and has failed to remove this obsolete debt from my report
Consumer complaint received 2019-09-13
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. (CA)

I am a victim of identity theft, and I did not make or authorize these inquiries with XXXX XXXX inquired on XX/XX/XXXX.2018. 

Several - over 15 addresses were listed that were NOT mine and addresses I never lived at. Someone tried to use my name and information and apply for credit cards. Many hard inquiries were pulled and my name was listed incorrectly with an incorrect phone number I've never had. 

I called the credit bureaus and lenders to fix and put a freeze on all my accounts. I've ordered all new credit cards and filed a police report.
Consumer complaint received 2023-08-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (RI)

XX/XX/2023 Sought a pre-approval letter for a mortgage through RocketMortgage as they advertise : XXXX a SOFT pull on credit XXXX pre-approval within minutes of completing their online process So, I did this process, was pre-approved for XXXX and then was not given the actual letter stating this as I had to : XXXX chat with " XXXX XXXX '' XXXX of their account chatbots I assume. XXXX asked for quite a bit of additional information, which I provided. I also spent more time than should ever be necessary to explain to XXXX that I do not, in fact, legally need a real estate agent, as the buyer, to qualify for a mortage or purchase a house. His staggering incompetence is another matter and not the focus of my concern here. 
XXXX. My concern here is that despite rocket mortgage pre-approving me for XXXX, they would not send me the letter unless I sent this XXXX person additional sensitive documents to his email AND speak with him on the phone. 
XXXX. I did not authorize a hard pull on my credit. A hard pull when it is specifically stated to be a soft pull is absolutely unacceptable. 

I hope you share my concern and I thank you for your assistance in this matter.
Consumer complaint received 2024-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Aargon Agency, Inc. (TX)

I LOOKED AT MY CREDIT REPORT AND SAW A COLLECTION AGENCY CALLED AARGON AGENCY INC ON MY REPORT IT STATES ORIGINAL CREDITOR AARGON AND OPENED XXXX XXXX BALANCE XXXX I CALLED XXXX THE AGENT KEPT ME ON THE PHONE HE LOOKED UP MEDICAL BILLS AND UTILITY AND COULD NOT FIND ME. IT IS AGAINST THE FAIR CREDIT REPORTING ACT
Consumer complaint received 2019-09-13
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. (TX)

Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX   XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2022-11-18
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: Mercedes Benz Financial Services (NV)

XX/XX/2021 Mercedes Benz {$36000.00} this is not correct information reporting to the credit bureau. unverifiable information ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate based on the results of the reinvestigation and promptly notify the furnisher of that informatiob
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Dear Capital One, Capital One Account Number : XXXX I recently pulled my credit report from XXXX  and XXXX and to my amazement, saw that you recently have decided to report me 30 days late on this account on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. As well as 60 days late on XX/XX/XXXX and 90 days late on XX/XX/XXXX and 120 days late XX/XX/XXXX. I immediately disputed this information with XXXX and XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act XXXX FCRA XXXX, as the information furnisher, you are required to notify me of the insertion of negative listings. These incorrectly reporting items have hampered my ability to obtain credit. 
I believe that any judge that looks over the report would agree that it is a violation of the FCRA, FCBA, CCPA and FACTA. The following account listed on my report I demand a full accounting and up to five years worth of records to see if this account is in violation of the FAIR CREDIT BILLING ACT ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ). 
Since I have disputed the lates with the credit bureaus, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. Under the FCRA, you are required to conduct an investigation on this account if I request it. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. 
Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX CC : Attorney General of California XXXX XXXX XXXX I XXXX, XXXX XXXX XXXX XXXX, CA XXXX BCC : Consumer Financial Protection Bureau XXXX. XXXX XXXX Iowa XXXX, Iowa XXXX
Consumer complaint received 2019-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (NV)

CONVERGENT OUTSOURCING ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1000.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2017 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2019-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems (NV)

MIDWEST RECOVERY SYSTEM ( XXXX XXXX XXXX XXXX  ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$650.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2016 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2022-12-15
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. (FL)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Upstart Holdings, Inc. (OR)

In the month of XX/XX/2022, I was befriended by an attractive woman name, XXXX XXXX XXXX, on XXXX. She has sent personal messages and I had reason to believe she was really the person in her pictures. We have messaged daily, and she had always talked about investing in XXXX  and how much she made doing that. She had me convinced that I could do the same. She talked about platforms like XXXX and XXXX and has sent me links to download onto my phone. I foolishly fell victim to her scam. I downloaded the apps and began investing a few XXXX dollars from my bank account to XXXX, and eventually to XXXX. For some reason, she had me send her screenshots of funds and my XXXX account information. I was told I could apply for a loan at Upstart.com to increase my funds faster. I applied and received a {$5500.00} dollar loan which I then put all into my XXXX account, and eventually transferred into my XXXX XXXX The virtual currency I was investing in was XXXX. I saw my XXXX rate increase at a rapid pace. I was convinced this was legit, but when I tried to transfer funds back to my XXXX account from XXXX, I was told I needed to pay an absurd amount, {$20000.00}, just to transfer it back. I ended up paying a few months of the Upstart loan because I felt I was stuck with it. I haven't financially been able to pay this loan in recent months, so it has gotten sent to collections. This has severely damaged my credit and hampered any future loans. I called Upstart to try to resolve this account but unfortunately, they don't have any resolutions for scams or loans applied without identity theft. I reported this person and scam to FBI, FTC, and Upstart. My next steps will include contacting Credit bureaus.
Consumer complaint received 2023-01-06
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: Experian Information Solutions Inc. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-01
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. (FL)

XXXX XXXX ( XXXX ) XXXX CFPB Write up In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX has violated my rights.

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
Consumer complaint received 2021-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was a part of a multi-state class action lawsuit against XXXX who operates as XXXX XXXX. I was paid out for their gross negligence and was told that the problem would be resolved on my credit report, as to date, if has not. They inaccurately reported my loan as late on XXXX when the loan was paid in full in XXXX. The law suit should have resolved this matter
Consumer complaint received 2022-09-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (FL)

I'm excusing my right to rescind my contact due to fraud, violation of the following USC : 15 USC 1666d ( a ) ( b ) ( c ) 18 USC 8 15 USC 1605 15 USC 1605b 15 USC 1692 ( c ) ( a ) 15 USC 1692 ( b ) ( 2 ) 15 USC 169 ( b ) ( 5 ) I have requested via letter sent certificated mail to registered agent, CEO, manager and finance company a letter requesting a full refund of down payment and all of payments sent to finance company involved.
Consumer complaint received 2021-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

On XX/XX/2021, I received a check from my mortgage company for an escrow refund. 

They claimed I had overpaid by escrow by {$1300.00} and they were sending me a check. 

I logged onto my homeowner insurance 's and noticed my {$1600.00} annual payment had been missed. The insurance payment was due XX/XX/XXXX and the escrow company / mortgage servicer forgot to pay it. 

This is unacceptable. The insurance on the house would have expired if I hadn't logged on and checked.
Consumer complaint received 2024-11-27
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NJ)

I have an Amazon store card. I made a one month advanced payment which was fine for many months. After several months of paying at the same time, I noticed a late fee on my account. I chatted with an agent, explained the issue and it was waived. This then occurred again at which time I again chatted with an agent and then manager to have this rectified and changed the payment date as their system was indicating that I was no longer ahead of payments. I was assessed interest on all late fees. I recently made a payment of {$150.00}, which i believed to be more than the minimum payment but it was {$11.00} short, obviously a mistake on my part. I requested that the {$40.00} late fee be removed and prompt payment of the shortage be made by me immediately. Given the previous waiver of late fees ( which should never have been assessed ), I was denied a waiver. I would like a full review of my account and refunded all assessed interest on any and all late fees and a waiver of this recent late fee ( payment of the {$11.00} shortage has been made ).
Consumer complaint received 2024-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I ALREADY FILED A COMPLAINT!!!!!!! YES, you do have my correct social security number, I've verified this about a dozen times with your staff. I CAN'T BELIEVE THAT WAS THE RESPONSE TO MY COMPLAINT. I will continue to file complaints over and over and over until you fix the problem. 

YOU HAVE MY CORRECT SOCIAL SECURITY NUMBER. THANKS FOR COMPLETELY NOT RESOLVING THIS SITUATION. 
I've been told that because I have a trust, a trust does not have it's own social security number. I am the trustee, and I am using my CORRECT social security number as verified about XXXX times by your employees, who then scratch their head in confusion. 

What is wrong with you? As a national company, you have no other customers with trusts? How do you deal with them? Do the same thing with me. Why are we going back and forth, that was the most thoughtless answer you could've possibly given. Should I file a complaint with the attorney general?
Consumer complaint received 2022-06-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK (CA)

So on XX/XX/XXXX I ordered a phone for {$880.00} the money was taken out XX/XX/XXXX I still haven't received the merchandise and my Bank Discover Bank will not help me dispute transaction. I've reach out to the merchant XXXX XXXX to settle it that way and just get a generated response to ask my neighbors and if they may have picked it up for me did that they say no. But all and all Discover bank refuses to help me dispute transaction.
Consumer complaint received 2020-11-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (OH)

HI, I lease my vehicle through Chrysler Capital. For my XX/XX/XXXX statement I received a {$120.00} assessment fee. Not knowing what this was I called and was told it was for a moving violation. I then went on the hunt checking my record at DMV, insurance Company, checked my XXXX XXXX, etc. nothing and I had not been pulled over. I call again and find it was a speeding ticket from a camera. I called XXXX, OH as that is where I supposedly received the ticket. XXXX would not send me copy of ticket or give info because Chrysler was the owner since I lease. I called Chrysler again and requested a copy of the ticket so I could verify and have for my records. I was sent a paper created by them with citation number, lease number, acct number, total amount and city it happened in. It does not show the speed or anything like that. I want an actual copy of the actual ticket ( just as if you get pulled over ). I feel I should have a copy and am entitled to one. Once I receive an actual copy of ticket I will pay the ticket. 
Called XX/XX/XXXX spoke with XXXX employee ID ending in XXXX I think. around XXXX. called again XX/XX/XXXX around XXXX and spoke with XXXX employee ID XXXX. Received the Chrysler paper, not the ticket. Called again in XX/XX/XXXX and spoke with supervisor XXXX ID XXXX and explained the whole situation to him. He said that was fair and I could receive a copy of the ticket that was in the system. I still have not received a copy of the ticket.
Consumer complaint received 2019-09-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NV)

XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$740.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2016 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2022-04-12
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. (PA)

I, XXXX XXXX who is a natural person/ consumer is a victim of identity theft and the accounts and inquiries I need deleted from my consumer report are listed in the report. I already tried to resolve this problem on numerous occasions ; however nothing has been resolved! Pursuant 15 USC 1681, the consumer reporting agencies has failed to perform its vital role in regards to exercising its grave responsibilities with fairness, impartiality, with a respect to the consumers right to privacy and accurately reporting information on my consumer report. Furthermore, pursuant 15 use 1681b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instruction with the consumer in whom it relates! I XXXX XXXX AS THE CONSUMER HAS NEVER GIVEN ANY CONSENT FOR THE CONSUMER REPORTING AGENCIES TO FURNISH THESE ACCOUNTS ON MY CONSUMER REPORT! NO CONSENT IS IDENTITY THEFT!! Their failure to follow reasonable procedures has damaged my credit worthiness, ruined my reputation, caused me to lose out on buying a home for my child which has caused us great stress and anxiety.
Consumer complaint received 2019-09-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AutoNation Enterprises Incorporated (FL)

CIG Finance Repossession in XX/XX/XXXX - no disposition of the vehicle has ever been reported ( was it resold, etc ) Account was inactive through XX/XX/XXXX. XX/XX/XXXX company fraudulently added that account was positive in XXXX, that payments made - that is incorrect. They then added additional charges - {$320.00}, as if the account was active and now it reports as if payments had been missed. the DLA ( date of last activity is XX/XX/XXXX ).
Consumer complaint received 2024-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC (NJ)

I called the company on the morning of XX/XX/XXXX to request a payoff. The representative I spoke to, told me Id receive the payoff in about XXXX hours. On XX/XX/XXXX, the company stated that my payoff would actually take XXXX business days because it was a commercial deal. My loan is a conventional loan that was sold to Shell Point Mortgage. I needed this payoff to finalize a real estate transaction and I explained to them that the buyer would be left homeless and Im also paying almost {$300.00} in interest every day in various different credit lines. Shell point mortgage I am only paying about {$80.00} of the {$300.00}. Its XX/XX/XXXX and I have not received my payoff. I now have to pay the buyer money so that they can stay at a hotel because Shell point is not sending my payoff in a reasonable time.