davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-14
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. (MD)

The three credit reporting bureaus, XXXX, Equifax, and XXXX have caused identity theft against me. 

Pursuant to 15 USC 1681B ( 2 ), a consumer reporting agency only can report with the written instruction of the consumer to whom it relates. 

According to consume law, I, as a consumer, am supposed to refer to the bureau definition of identity theft. And the CFPB states that " Identity theft '' is when someone uses my name, social security number, date of birth, or other identifying information without authority. 

I never gave any reporting agencies : XXXX, Equifax, and XXXX authority to report anything on my report, but yet they had for years. They have committed identity theft.
Consumer complaint received 2022-05-04
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX bank XXXX XXXX Account # XXXX bank XXXX XXXX Account # XXXX Account # XXXX Account # 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 a consumer reporting agency can not furnish an account without my written instructions. 

I advised the dealership to refinance my loan because the payments were too high. After being informed i was not eligible to do so. I sundered the vehicle to the dealership along with the keys.
Consumer complaint received 2022-01-14
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. (MD)

The three credit reporting bureaus, XXXX, XXXX, and Transunion have caused identity theft against me. 

Pursuant to 15 USC 1681B ( 2 ), a consumer reporting agency only can report with the written instruction of the consumer to whom it relates. 

According to consume law, I, as a consumer, am supposed to refer to the bureau definition of identity theft. And the CFPB states that " Identity theft '' is when someone uses my name, social security number, date of birth, or other identifying information without authority. 

I never gave any reporting agencies : XXXX, XXXX, and Transunion authority to report anything on my report, but yet they had for years. They have committed identity theft.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX of XXXX our home was foreclosed on. For the past XXXX and XXXX years we have worked hard to improve our credit pay off any debt and make ourselves trustworthy again. Because of freedom mortgage we have not been able to obtain a new home loan. My husband is a VA eligible borrower and because freedom mortgage is reporting the account paid off in closed XXXX of XXXX instead of XX/XX/XXXX of XXXX when we were evicted. We have not been able to obtain a new mortgage on a new home we are trying to purchase. We take full responsibility and acknowledge the foreclosure. It happened due to circumstances beyond our control and we wish we could go back and correct the issue before the foreclosure took place. Unfortunately that is not the case and we must deal with the repercussions, but we ask that information be reported properly to the bureaus. We have filed various disputes asking for the dates to be corrected. And to show the last account reporting date reporting information and close account dates to be based on the date that the home was purchased by a new buyer which is XX/XX/XXXX. Reporting the account close in XXXX of XXXX is unacceptable unprofessional in a blatant lie. The account was and should be reflecting as closed out in XXXX and although we have tried various measures to correct the issue freedom mortgage has been difficult and unable to assist us and legally I believe they should not be able to do this We were asked to move out of our home in XXXX because the home was sold there should be no other legal stands for them to report anything after that date I have documentation showing when the property was sold, As well our eviction notice stating that the home was sold. All we're asking is for a credit reports to show the account closed date and last reporting date of XX/XX/XXXX.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX of XXXX our home was foreclosed on. For the past XXXX and XXXX years we have worked hard to improve our credit pay off any debt and make ourselves trustworthy again. Because of freedom mortgage we have not been able to obtain a new home loan. My husband is a VA eligible borrower and because freedom mortgage is reporting the account paid off in closed XXXX of XXXX instead of XX/XX/XXXX of XXXX when we were evicted. We have not been able to obtain a new mortgage on a new home we are trying to purchase. We take full responsibility and acknowledge the foreclosure. It happened due to circumstances beyond our control and we wish we could go back and correct the issue before the foreclosure took place. Unfortunately that is not the case and we must deal with the repercussions, but we ask that information be reported properly to the bureaus. We have filed various disputes asking for the dates to be corrected. And to show the last account reporting date reporting information and close account dates to be based on the date that the home was purchased by a new buyer which is XX/XX/XXXX. Reporting the account close in XXXX of XXXX is unacceptable unprofessional in a blatant lie. The account was and should be reflecting as closed out in XXXX and although we have tried various measures to correct the issue freedom mortgage has been difficult and unable to assist us and legally I believe they should not be able to do this We were asked to move out of our home in XXXX because the home was sold there should be no other legal stands for them to report anything after that date I have documentation showing when the property was sold, As well our eviction notice stating that the home was sold. All we're asking is for a credit reports to show the account closed date and last reporting date of XX/XX/XXXX.
Consumer complaint received 2022-01-07
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. (NJ)

In XX/XX/XXXX, I realized that someone used my personal information to obtain a mobile account. I realized that this happened in XX/XX/XXXX. This has caused me great XXXX and has made it difficult to obtain new credit. Due to the pandemic, I need to obtain credit to provide for myself and was unable to do so because of this discrepancy on my report.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach, AND as a result of my ex-wife, XXXX XXXX, using my information during our marriage unbeknownst to me. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously AND PERMANENTLY or I will be suing.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX of XXXX our home was foreclosed on. For the past XXXX and XXXX years we have worked hard to improve our credit pay off any debt and make ourselves trustworthy again. Because of freedom mortgage we have not been able to obtain a new home loan. My husband is a VA eligible borrower and because freedom mortgage is reporting the account paid off in closed XXXX of XXXX instead of XX/XX/XXXX of XXXX when we were evicted. We have not been able to obtain a new mortgage on a new home we are trying to purchase. We take full responsibility and acknowledge the foreclosure. It happened due to circumstances beyond our control and we wish we could go back and correct the issue before the foreclosure took place. Unfortunately that is not the case and we must deal with the repercussions, but we ask that information be reported properly to the bureaus. We have filed various disputes asking for the dates to be corrected. And to show the last account reporting date reporting information and close account dates to be based on the date that the home was purchased by a new buyer which is XX/XX/XXXX. Reporting the account close in XXXX of XXXX is unacceptable unprofessional in a blatant lie. The account was and should be reflecting as closed out in XXXX and although we have tried various measures to correct the issue freedom mortgage has been difficult and unable to assist us and legally I believe they should not be able to do this We were asked to move out of our home in XXXX because the home was sold there should be no other legal stands for them to report anything after that date I have documentation showing when the property was sold, As well our eviction notice stating that the home was sold. All we're asking is for a credit reports to show the account closed date and last reporting date of XX/XX/XXXX.
Consumer complaint received 2022-01-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TN)

In XXXX I enrolled at college at XXXX XXXX University. They pushed Navient as a private lender for me to pay for school. After college The payment was too high for me. As I did not have a job in my field. Instead of offering me income based repayment which my payment should've been zero dollars a month they pushed me into forbearance. I was in forbearance for a few years and then they contacted me threatening me that I must make some sort of payment. At this time my student loan debt had increased significantly from my 9 % interest rate. finally three years ago they told me they were going to garnish my parents wages and their assets if I did not make a payment. They then enrolled me in a interest rate reduction program. Whenever Covid hit they did not let me participate in the forgiveness of payment even though I had no job and was barely surviving. For the last 12 years I have been harassed, bullied and received no options as to other ways for me to make payment. They now have their settlement which they are paying back borrowers, but only those who have defaulted on their loan. Which at the time they did not let me have any option of defaulting I HAD to make a payment. For the last three years I have been paying {$4000.00} in interest a month. My last year XXXX I only made {$13000.00}. If that puts it in perspective.
Consumer complaint received 2022-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Acct Ending # XXXX, Date XX/XX/2021, Balance {$49.00}, Description XXXX XXXX received from XXXX XXXX. 

This payment I received via currency exchange. I paid XXXX XXXX XXXX and she paid me USD. After her payment confirmation, I sent her XXXX for the money exchange on the same day. 

Since I didn't know how XXXX works. I asked Capital One agent before she transferred the money to my Capital One account. I was told XXXX XXXX is like cash transactions. Once they send the money, they won't be able to withdraw it without authorization from account owner, no matter what they claimed for. As such, I accepted XXXX payment based on the agent 's information. 

After the sender received my money, she filed a fraud after a month. In order to clarify and investigate further, I filed a police report immediately since she got double payment. She received my XXXX XXXX. And she also got her money back. What she has already done is fraudulent. Based on the police report, Capital One should be able to understand what's happening.

However, slapping on the face, Capital One took the money out of my account without my permission. The bank is stealing my cash from my account! Even if the police has already been involved to investigate why XXXX XXXX XXXX made fraud case. As my bank, I require Capital One to keep my money safely.
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AZ)

Recently filed a complaint and the company requested more information. I provided this information invalidating their claim of valid information reporting again and they continue to report the information. I am requesting information for the validation of these accounts as proof a validation. I have requested this information several times prior to this and the other complaint. I have emailed the executives of Experian to review this information as well and to no avail no response but updates of the same information. The company is in violation of my FCRA rights as a consumer to have accurate reporting information on my profile. I will attach the proof from the reporting agency XXXX XXXX  that this credit reporting agency claims to get this information from. I have also attached a copy of the email to the executives of Experian.
Consumer complaint received 2022-07-11
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. (NV)

Hi I am submitting thisXXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX  paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to  be deleted completely from my Credit Report : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$7300.00} XXXX XXXX XXXX XXXX Balance {$1900.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX  Inquired on XX/XX/2020 2020
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I'm pleased to see several improvements made to my report, including the deletion of the account I had previously disputed. However, I still have an account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last item on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any account that has been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX XXXXalance Owed : {$1300.00}
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

I am writing to formally dispute several unauthorized inquiries listed on my credit report under the Fair Credit Reporting Act ( FCRA ). These inquiries were made without my knowledge or consent, and I am requesting their immediate removal.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Conn's, Inc. (AL)

I know 15 USC 1611 XXXX XXXX XXXX and XXXX is criminal obligated. They are officially obligated by the XXXX management of money changes as per 15 USC 16 1640 for more. They are in risk of each other about FDCPA in freshman for 1692. I requested that they eliminate XXXX 15USC 1692 It is likewise publicizing to certain installments which is not allowed. I am requesting that you remove these transactions immediately because it is infringement of my ability t S a government product purchase protected purchases under the title 15 USC 41 concerning record recorded on underneath a customer. I am requesting cancellation of these records under the consumer protection bureau, state attorney, Federal trade commission XXXX Attorney General XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Lennar Financial Services, LLC (MD)

PREDATORY Lending by Lennar Corporation @ XXXX XXXX. 
Lennar Corporation Failed to Disclose Front Foot Fees and Water Quality Fees. XXXX XXXX  XXXX investments of Lennar corporation failed to highlight that I would have to pay {$750.00} annually for foot front fees. When I received the first invoice I sent an email to Lennar and inquired about the expense. I was then notified that I signed the ratified contract which had this agreement buried with other forms. Lennar should have been more transparent of this financial responsibility to the residents during the purchasing process.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX has violated my rights. Information is inaccurate. According to the following US Codes 1681 ( b ), US Code 1962, US Code 6801 and US Code 605. They are in violation of my rights. 

Personal information should list : ] the following : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX employer : XXXX { ; ease remove any other names and address asap an for maximum accuracy In Violation of my rights according to US Code 1692 and US Code 605. The following accounts are reported INACCURATE please remive late status XXXX violation of US CODE 1692 never late XXXXXXXX XXXX violation odf US Code 1692 never late XXXX XXXX XXXX violation of US CODE 1692 NEVER LATE XXXX XXXX violation of us code 1692 never late XXXX XXXX XXXX violation of US Code 1692 never late XXXXXXXX XXXX XXXX violation US Code 1692 never late accounts involved in identity theft -remove late payment ststus asap or civil law suit will take place
Consumer complaint received 2022-01-07
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: Westlake Services, LLC (GA)

On XX/XX/2021, this writer contacted Westlake Financial Services Credit Bureau Department via email and requested they NOT list any accounts pertaining to me derogatory or not, to any of the ( 3 ) main major credit reporting bureaus pending a internal investigation by their Dealer Compliance Department into a ( fraudulent buyer contract ) intentionally misrepresented and prepared by the dealer. 

The next day on XX/XX/2021, Westlake Financial Services aggressively ignored the email request and listed the account debt to all ( 3 ) major credit reporting bureaus. 

Since that time this writer had filed disputes with the ( 3 ) credit bureaus and also filed a complaint with the Federal Consumer Protection Finance Bureau. 

On XX/XX/2021, Westlake Financial Services Director of Dealer Compliance ( XXXX XXXX ) responded to the Federal complaint ( see attach. ) by falsely stating that the loan or contract in question had been 'sold back ' to the dealer and that there would NOT be ANY CREDIT REPORTING TO THE CREDIT BUREAUS. 

AS THIS WRITER PREPARES THIS STATEMENT, THERE IS A CURRENT PENDING DISPUTE WITH XXXX TO HAVE THE ACCOUNT REPORTED BY WESTLAKE FINANCIAL SERVICES ON OR AROUND XX/XX/2021, REMOVED. 

ON XX/XX/2021, THIS WRITER ALSO RECEIVED A LETTER FROM WESTLAKE FINANCIAL SERVICES COPIED TO THE DEALERSHIP ( XXXX XXXX XXXX  ) STATING THE CONTRACT WAS NOW 'RE-ASSIGNED ', NOT SOLD BACK TO DEALERSHIP AND THAT I ( Buyer ) WAS STILL LIABLE FOR A FRAUDULENT CONTRACT. 

I'M ASKING FOR AS VERIFIABLE PROOF, WESTLAKE FINANCIAL SERVICES SUBMIT DOCUMENTATION SHOWING WERE THIS WRITER ( BUYER ) DEPOSITED ( {$7000.00} ) DOLLARS DOWN ORIGINALLY TO THE DEALERSHIP XXXX XXXX XXXX ( XXXX, FL. ) as was fraudulently claimed in the buyer contract or SEND RETRACTION LETTER TO THIS WRITER COPIED TO BOTH PARTIES!