davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-03
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. (LA)

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 : {$510.00} XXXX  XXXX XXXX Balance : {$1700.00}
Consumer complaint received 2022-12-03
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (NY)

My wife, XXXX XXXX, and I closed on our co-op on XX/XX/XXXX, with the first payment with Guaranteed Rate due on XX/XX/XXXX. In XXXX, we received notice that our loan processor was changing and payments should be directed to XXXX as of XX/XX/XXXX. We made the XXXX and XXXX payments to XXXX. Sometimes after our XXXX payment was sent, we received notice that our loan processor was once again changing, to XXXX, effective XX/XX/XXXX, but that previous payments would be credited. As yet, neither the XXXX nor the XXXX payments have transferred to XXXX XXXX. After discussing our issue with the loan servicer, we were assured that our credit wouldn't be affected and that we would not receive any additional interest, fees or penalties on our account while it was worked out on their side. However, as of yet only our XXXX payment to the new servicer has been received, which was credited to the XXXX balance. 

On XX/XX/XXXX, we received XXXX notices, all dated XX/XX/XXXX, threatening foreclosure due to the unpaid balances. At that time, the last email we'd received from the XXXX, XXXX XXXX, was on XX/XX/XXXX. We followed up 3 times between the XX/XX/XXXX email and our receipt of those notices on XX/XX/XXXX. 

As yet, we have not heard any material updates from XXXX, XXXX XXXX, or Guaranteed Rate. We will be making our XXXX payment in accordance with the terms of our agreement, but have not yet seen the amounts we paid initially for XXXX or XXXX credited to our mortgage, nor have they been credited to our own bank accounts. During this time, my wife 's credit score has dropped over XXXX points despite her being timely in all of her other covenants.
Consumer complaint received 2022-12-03
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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, CA XXXX ; XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX, CA ; XXXX XXXX XXXX Balance : - ; XXXX XXXXXXXX Balance : {$580.00} ; XXXX XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$480.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX  Original creditor : XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$240.00} ; XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XXXX XXXX XXXX  ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-03
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 submitted a letter to the 3 Credit Bureaus on XX/XX/2022, 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 : {$3100.00} ; XXXX XXXX  XXXX Balance : {$220.00} ; XXXX XXXX XXXX  XXXX Balance : {$620.00}
Consumer complaint received 2022-12-02
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 — Was not notified of investigation status or results
Company: Absolute Resolutions Corp. (IL)

In 2021, a college debt from XXXX XXXX was placed in a debt consolidation program. The Law firm representing me ( XXXX XXXX XXXX ) negotiated a payment schedule with Absolute resolution, which took on the collections from XXXX XXXX. I have a letter that states the account is in good standing and Absolute Resolutions has put a derogatory status on my credit report. A negotiated amount was settled and I am paying on this Debt. I am trying to get my credit back up and this company is the only one that is preventing me from this.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (LA)

XX/XX/2022 my account was reported positive on my Nissan car loan and then it turned to negative which was incorrect and they will not allow me to dispute it saying I already filed it Nissan reports a lot of wrong information I have never been late of any of my bills and this is really affecting my report and credit status all 3 credit bureau agencies
Consumer complaint received 2022-09-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MI)

I had a XXXX charge on my bank statement. I looked up on XXXX for a customer support number. I found this one ( XXXX ) XXXX. They answered right away the guy used the name XXXX XXXX and he said XXXX support. May I help you? I told him I have a monthly charge of XXXX I dont recognize. They asked for my XXXX ID. I told them I dont know it. They advised me to go to the XXXX XXXX and download XXXX app. They said, Your phone has been hacked into and your financial data like credit cards and your banking are at extreme risk. They said we will walk you through and now can see each one of your accounts. They got full access of my phone screen they were directing me to download XXXX, and send a money transfer to XXXX and XXXX. I was questioning and they said no we are not the hackers we are XXXX support you called us remember? Scammers call you!! So I trusted these dummy transfers because they said once they are done with the identity clarification they will transfer the money right back to my accounts. They used XXXX XXXX app to get a total of {$950.00} USD {$510.00} from my XXXX XXXX credit card, and {$470.00} from one of my XXXX XXXX XXXXXXXX XXXX XXXX. Lastly, {$340.00} out of my Chase checking account using XXXX. Payment was transferred to a XXXX XXXX. The credit card transfer amounts went through XXXX XXXX to a XXXX XXXX XXXX, XXXX # XXXX. These transactions were still pending when I went to my chase bank branch and when I called XXXX XXXX and when I called XXXX XXXX XXXX. The XXXX  transaction went through within 4 seconds. This should not be. The scammers tried to submit the {$510.00} twice but XXXX declined the one but let the other one go before the declined the second. Please help. This is the email they used XXXX. XXXX ID XXXX id XXXX. I filed a complaint with XXXX, XXXX, Chase, XXXXXXXX XXXX XXXX XXXXXXXX, and XXXX. 
I also filed a XXXX police report in my XXXX where I live. File number is XXXX. 

Thank you for your help in this very disappointing vulnerable sad time.
Consumer complaint received 2022-12-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

My medical bill from XXXX XXXX dated XX/XX/2018 was written off through XXXX both from the hospital and the attending physicians. The original credit XXXX XXXX XXXX also wrote off this bill to XXXX and they sent an email on XXXX to ARS telling them that the debt is not owed and to remove the debt from my credit reports. ARS continued and continues to report this debt as VERIFIED AND ACCURATE AND CONTINUES TO REPORT FALSE INFO TO THE CREDIT BUREAUS. I have disputed this account many time and they continue to cause me great emotional harm and financial harm. I am now seeking attorney advise on possible lawsuit. I do not owe this debt and it should have been deleted already
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (NY)

XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank XXXX XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX have been trying to remove these inquiries from my credit report for the past three. My final written request to the credit bureaus was received on XXXX XXXX. They have yet to respond to delete the following inquiries. Please remove immediately.
Consumer complaint received 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

There are 2 accounts reporting to Experian which are fraudulent & I'D like them removed from my report. These fraudulent items should be DELETED from my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. They claim they verified the accounts with the company but I'm truly confused about how they can verify a fraudulent account. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-28
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. (WI)

I would like to file a complaint regarding an incorrect collection account showing up on my credit report. After reviewing my credit report, I found a collection account under the name The XXXX XXXX XXXX in the amount of {$1700.00}. I am not aware of this account as I have never had service or an account with XXXX XXXX. I started the dispute process with TransUnion, XXXX, and XXXX to let them know this account is not accurate and should be removed as soon as possible. TransUnion sent me two letters pretty much indicating they do not accept dispute letters from credit repair agencies. I am not working with a credit repair agency and I have mailed multiple letters to TransUnion regarding this issue. I also sent letters to XXXX and XXXX and I was told either the account was verified, or I did not get a response at all. 

Neither of these credit bureaus can provide me with a signed contract indicating I worked for XXXX XXXX or I had an account with XXXX XXXX. According to the FCRA, anything that can not be verified, must be removed from my credit report. I have made multiple attempts to get this account removed, but I have not received an appropriate answer to this issue. This inaccurate collection account is causing me hardship and is negatively affecting my credit score. This issue is also preventing me from purchasing a home. I would greatly appreciate your assistance with getting this account removed.
Consumer complaint received 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX Balance : {$7800.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$3000.00} XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  Balance : {$7800.00} XXXX XXXX XXXX XXXX  Balance : {$2800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$7800.00} XXXX XXXX XXXX  XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3000.00} ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-11-24
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. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX XXXX XXXX  after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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 2022-11-24
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: Experian Information Solutions Inc. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-11-24
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I disputed multiple inquiries to being ignored by this company. Some of these were pulled multiple times in one day to which I never authorized. Most I have never even heard of.

Attached is a copy of the last letter sent.
Consumer complaint received 2022-11-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (MI)

On XX/XX/XXXX. I got an alert telling me there was a new credit inquiry. I immediately logged into my XXXX XXXX account and saw one main financial was listed as a hard hit. I also saw I was approved for an XXXX loan as I investigated further i saw it was for a loan that was secured and required a car title. First of all I would never apply for a secured loan and especially for one requiring a car title how can I do that if I dont even own a car. I reached out to the company and requested it be removed from my credit report.
Consumer complaint received 2022-11-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC. (PA)

I purchased the XXXX XXXX XX/XX/2022, XXXX XXXX at XXXX XXXX XXXX lied on my application stating I get {$2300.00} from XXXX I only get {$1400.00}. He also lied about my rent he put {$300.00}. My rent is {$650.00}. Im XXXX and he took advantage of me being a woman. The screen that the contract was on was far away. I signed electronically. The tag was fictitious they gave me. I was stopped by police & issued a ticket. I dont have a registration card. I contacted XXXX XXXXXXXX police trooper XXXX a XXXX vehicle fraud unit.
Consumer complaint received 2022-11-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (AL)

I recently submitted a complaint to CFPB regarding Credit Acceptance. In their response, they submitted false information and provided a document that I DID NOT SIGN. In the letter that they submitted ; they state that they have received multple phone calls from someone who states that they are me. I have never called Credit Acceptance and I'm sure if someone would pull phone records it would show that it was not my voice. 
In the letter, they also state that I submitted a driver 's license on XX/XX/2022, when I " redeemed my vehicle after it was repossessed ''. This car has been sitting at a repair shop for most of 2022, and in fact, most of the time since my daughter acquired this vehicle. This car has never been repossessed and no one has a signature where I signed to redeem that vehicile. Why would anyone redeem a vehicle that has been broken down for years and never been paid on? Why would anyone pay to get a car from repossession when they haven't paid on the car for years? That makes no sense. This company does not know what they are doing and they are making fraudulent claims against innocent people. Again, I did not acquire any loan with Credit Acceptance. It is also ironic that they claim that I signed for redemption of a vehicle on the day that I filed a complaint with CFPB. This company has me mistaken with someone else. I have not been calling and speaking with anyone at Credit Acceptance and they can not produce any recordings of me speaking with anyone.
Consumer complaint received 2022-11-18
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

I filed a NOTICE OF INTENT TO FILE A PETITION FOR XXXX to the XXXX XXXX XXXX XXXX XXXX today, XX/XX/2022 in XXXX regarding this issue for complete failure of corporate controls and complete absence of trustworthy financial information. The people who committed this unthinkable horror should be held responsible as I am careening toward disaster. The failure to give proper notice has put me through XXXX and put me at the risk of harm, destitution and death. This is a file full of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and the process by which financial institutions extend their power and ruin people 's lives. I am a XXXX  woman walking. This complaint raises awareness of tactics abusers use against their victims. All I can think of is rage and XXXX  hot anger.I do not feel safe.