davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-16
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)

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not all opened by me. This has been hurting me as I am in the process of buying a home for my family. please remove these fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2023-03-16
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: Experian Information Solutions Inc. (PA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I have consistently raised concerns about the inaccuracies in the provided information with XXXX, Experian, and XXXX ; unfortunately, the matter remains unresolved to date. 

1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
5. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX 3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The following account is not mine XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 
6. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
7. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 3. The following personal information is incorrect Employers : XXXX XXXX XXXX 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
6. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (CA)

My mortgage was being held by XXXX XXXX XXXX. They sold it to Roundpoint Mortgage Servicing Corporation on XX/XX/2022. I did not ever receive by mail, phone or email any notification of this change. I also did not ever receive a statement to pay my mortgage to Roundpoint. I had direct pay set up with XXXX XXXX XXXX  and assumed my mortgage continued to be paid unaware of the sale. 

I had changed my mailing address from the property address to a po box and had mail forwarding in place and had changed my mailing address with XXXX XXXX XXXX. 

Since I did not receive notification of this change in banks I unknowingly did not pay my mortgage for XXXX, XXXX, XXXX, or XXXX of 2022. I accrued {$260.00} in late fees and Roundpoint confirmed they reported me to the Credit Bureau for delinquency of payment. 

Roundpoint sold my mortgage to XXXX XXXX XXXX  on XX/XX/2022. XXXX XXXX  XXXX sent me a mortgage statement on XX/XX/2022 stating I owed them {$8500.00} to bring my account current ( pay for XXXX XXXX  ). This included my monthly mortgage fee + XXXX late fees from Roundpoint. 

I paid XXXX XXXX  XXXX XXXX the full amount due of {$8500.00} on XX/XX/2022 to bring my account current. 

I first called XXXX XXXX XXXX XXXX to understand how I was so delinquent, they shared they had just taken over my account on XX/XX/2022 and were just billing me what was due on my account. They shared Roundpoint Mortgage held my mortgage from XXXX 2022 and that is where the late fees came from. Until XX/XX/2022 I had no knowledge that Roundpoint Mortgage held my mortgage from XXXX. 

I called XXXX XXXX XXXX to verify they sold my loan to Roundpoint on XX/XX/2022. They confirmed they did and were able to give me the loan #. I called Roundpoint to get more information and see why I never received a notice or bill from them. They had my correct email, cell number and all mail being sent to my primary address was being forwarded to my po box at that time. They said they sent me the documents and tried to call me numerous times but I have no records of either of these. Due to their negligence I am now 4 months delinquent in paying my mortgage, have a {$260.00} late fee and a complaint against my credit to the Credit Bureau. 

XXXX XXXX XXXX XXXX  ( current mortgage holder ) had no issue contacting me within a week of obtaining my loan using the same contact information Roundpoint has. I have paid them promptly. I had no intention to not pay my mortgage or issue with paying my monthly mortgage.
Consumer complaint received 2022-07-13
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: EQUIFAX, INC. (FL)

It appeared that my credit report has been compromised. Again, I was going through my files & noticed these items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. 
XXXX XXXXXXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$6000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$550.00} ; XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX Date of Inquiry : XX/XX/2021 If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are 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 immediately.
Consumer complaint received 2024-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (CA)

Apple Card amount of {$990.00} Action taken was XX/XX/year>XXXX  I reported identity theft already to the CPFB Where XXXX  credit card and XXXX and other credit cards were used to make purchases not made by me making my credit be affected and sent to collections. Please help to remove and delete from credit report so I can be able to obtain credit again
Consumer complaint received 2022-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It appeared that my credit report has been compromised. Again, I was going through my files & noticed these items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. 
XXXX XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$6000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$550.00} ; XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX Date of Inquiry : XX/XX/2021 If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are 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 immediately.
Consumer complaint received 2022-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Castle Mortgage Corporation dba Excelerate Capital (CA)

Bought a house and financed through Excelerate Capital. Right after the loan closed escrow and before the first payment was due on XX/XX/2022 Excelerate Capital sold the loan to XXXX XXXX. I had my payments set on auto pay from my business checking account with XXXX XXXX. XX/XX/XXXX comes Excelerate Capital debits my account for the payment in the amount of {$14000.00}. A week later XXXX XXXX calls and says I didn't make a payment and that they had bought the loan! I stated I had made a payment and my loan was on auto pay. They replied OH your on auto pay ok we'll take care of it. Then on XX/XX/XXXX XXXX XXXX debits my account for the same XXXX payment of {$14000.00}. I've contacted both finance companies and now they are both playing the game that I should contact the other finance company. Neither take responsibility. I want my money back plus XXXX XXXX interest like they charge me on the loan. Now they don't respond.
Consumer complaint received 2024-11-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (MI)

I am writing to request validation of the alleged debt referenced above, which appears on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), Section 809, I am entitled to request verification and validation of this debt. This letter serves as a formal request for the following information : Proof that you own or have been assigned this debt : Please provide a copy of the signed agreement that indicates that you have the right to collect this debt, including documentation showing that the debt was legally transferred to your agency.

Detailed accounting of the amount claimed : I request a complete breakdown of the alleged debt, including the principal amount, interest, fees, and any other charges.

Proof that the debt is mine : Please provide documentation bearing my signature that proves I have a contractual obligation to pay the claimed amount. 

Details of the original creditor : Include the name, address, and phone number of the original creditor and any other parties to whom the debt has been transferred. 

Details of how the amount was calculated : Please explain how the amount you claim I owe has been determined and provide supporting evidence. 

Please note that if you can not validate this debt within 30 days of receiving this letter, you are required by law to cease collection efforts and remove this account from my credit report. 

Additionally, please be advised that I will record all future communications. If this debt can not be validated, I expect any and all references to this debt to be removed from my credit report immediately. 

Thank you for your cooperation. I look forward to receiving the requested documentation.
Consumer complaint received 2022-07-13
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: EQUIFAX, INC. (GA)

I have been submitting letters on XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-13
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)

In Accordance with the fair credit act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # 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 that a consumer reporting agency can not furnish an account without my written permission.

15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector. or the express permission of the court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2022-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (NY)

Signed up for the Chase Freedom cash-back credit card as they offer 5 % cash back on travel bookings. Booked 4 significantly expensive flights at {$2200.00} and {$650.00} only to find out that I didnt receive the 5 % rate since, I did not book through Chases travel portal website and instead got 1 %. No where was this stated so I missed out on the larger percentage. This is incredibly misleading and frustrating! Since the whole reason I went through the process of getting this card including dinging my credit score for an inquiry, was for this very travel purchase. When I called Chase, they told me nothing could be done and in the future to use the portal to get the 5 %.
Consumer complaint received 2024-10-31
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. (PA)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states i have the right to privacy.15 USC 1681 section 604A section 2 It also states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.15 USC 1666b a creditor may not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose..
Consumer complaint received 2024-10-20
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. (PA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be XXXX XXXX accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report XXXX XXXX accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXXXXXX XXXX XXXXXXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under, also these XXXX accounts are outside of the statute of limitations here in Texas of XXXX years XXXX!!! 

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

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

-15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-19
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (TX)

I was in a Debt Consolidation program with XXXX XXXX, which they used Global holdings to debit all monthly payments. 

I completed the program and was due a refund in the amount of {$810.00}, check was issued through Global Holdings on XX/XX/2022. 

Wednesday XX/XX/2022 I received notification that mail was coming through the Informed Delivery through the United States Post Office, which tells you all the mail that is coming to you. 

I have waited for the check and nothing came. So on today on XX/XX/2022, I called Global Holdings and inquired about the check. I informed the XXXX at XXXX XXXX, that I received notification on Wednesday XX/XX/2022 that a check was coming. I explained the Post office sends notification on mail coming and that they scanned in the mail. I explained what is alarming to me, is that on the envelope it says " Payment Enclosed '', and that is letting people know it is a check inside. The lady said they do not put " Payment Enclosed ' on the envelope and I said yes you do. She said maybe the post office did not. I said this is coming from your office. 

I stated this is not safe to do, if you are issuing refunds and this is letting other know it is a check enclosed. I asked for a stop payment and she said she will place a stop payment and have them to deposit the funds to my account. I said this should have been done in the first place instead of a check. Then proceeded to tell me, I will be charged a stop payment fee of {$17.00}. I said the company placed on the envelope " Payment Enclosed '', which tells people it is a check inside. I am not sure what happened after the post office scanned it in, but Global Holdings never should place " Payment Enclosed '', when issuing a refund. That should be discreet as people are not honest in returning mail to the rightful owners. I should not be charged a stop payment fee if {$17.00} for mail they should have been discreet about. So, yes I am upset.
Consumer complaint received 2022-07-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TRUIST FINANCIAL CORPORATION (IL)

I have paid {$14000.00} in payments over the last two years towards a XXXX truck purchased from Regional Acceptance two years ago, and have never missed a payment. The original loan was for {$25000.00}. I requested payoff information in order to sell the vehicle two days ago, and I was told the payoff amount is over {$28000.00}. The employee was belligerent and threatening. I was told there was no penalty for early payoff or selling my vehicle. I have requested statements, which they refuse to produce. There is absolutely no way after paying over 59 % of this loan off in two years, can I possibly owe 112 % of the original loan amount. Ive now researched this company, and this appears to be their typical unethical practices. The company also told me I could take the truck, while they finalized the paperwork, and then called me later and jacked the interest rate up to over 40 %, and was told if I didnt miss any payments in a year, they would refinance for under 20 %, which is still ridiculously high. This is not legal financial practice. I request the proper amount that I have paid deducted from my loan, complete statements for all payments, and the paperwork requested to be able to sell this vehicle.