davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-28
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: CCS Financial Services, Inc. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX ... XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX APARTMENTS ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2020-01-16
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: Berlin-Wheeler, Inc. (Kansas) (WA)

Was contacted by Berlin-Wheeler regarding an account that went to collections. The account originated with XXXX XXXX. After speaking with both XXXX XXXX and Berlin-Wheeler it was determined the account was fraudulently opened by an unknown individual in a  different state. The person had used my name and social security number to open the account. There was an unpaid balance of {$1700.00}. After speaking with Berlin-Wheeler it was agreed that they would not post anything to my credit and would send me a fraud packet to fill out and return. This was in XX/XX/2019. I filed a police report and called Berlin-Wheeler to provide it. They stated there was nothing they could do with it and that I would need to wait for the packet to arrive. I confirmed my mailing address and requested an ETA for the packet. They were unable to provide one. I waited and no packet arrived. I received a notification in XXXX that I had an account in collections on my credit report. I checked and found that they had in fact posted it to my credit report. I called them on XX/XX/XXXX and was given the same story. They would send another fraud packet to me and that there was nothing they could do until they received it back. I explained that this was the second attempt to get a packet and again requested a time frame for when it would arrive. The agent at Berlin-Wheeler stated he was unable to provide one. I still have not received a fraud packet in the mail. This is impacting my credit score as I have not had anything past due on it. They are not assisting in helping me resolve this and I fear they could file litigation To receive payment from me on the fraudulent account.
Consumer complaint received 2021-07-14
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN HONDA FINANCE CORP (NY)

I am affirming that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name of XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters preceding, and I herby claim that I will d/b/a XXXX XXXX and autograph, as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, Truth In Lending Act 15 U.S.C. ch. 41 1601 is intended to inform consumers about the cost of credit. 
Fact, Truth In Lending Act 15 U.S.C. ch. 41 1601 is intended to protect consumers abasing abuse and deceit by creditors and I have been abused and deceived. 
Fact, Affiant is aware and has proof in attachment labeled as exhibit A & C that Honda Financial is in violation of 15 USC1605 ( a ) ( c ). This transaction included a finance charge and the finance charge includes insurance which protects the creditor against the obligors loss, and or property damage. Honda Financial did not include my insurance in my finance charge. 
Fact, Affiant is aware and has proof in attachment labeled exhibit A & XXXX that Honda Financial is in violation of 15 U.S. Code 1605. A finance charge is the sum of all charges in a consumer credit transaction and it does not include cash. Honda Financial in fact took cash as shown in attached labeled as exhibit A & C. 
Fact, Affiant is aware and has proof in attachment labeled as Exhibit A & C that Honda Financial is in violation of 15 U.S. Code 1611. Honda Financial willfully and knowingly failed to provide/disclose information required under the provisions of 15 U.S. Code 1601. They are now civilly and criminally liable. 
Fact, XXXX is aware that according to 15 U.S. Code 1635 Honda Financial did not provide to me the proper forms expanding on my right to rescind in any consumer credit transaction in which a Security Interest is involved. I wish to exercise my right rescind at this time. 
Fact, XXXX is aware that according to 15 U.S. Code 1640 ( a ) - section ( i ) I demand {$7800.00} in the form of a check mailed to XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX and a reissued Title free of security interest by Honda Financial. In addition, deletion of this account from all consumer reporting agencies. 

Fact, 15 U.S. Code 1692g states the debt collector in this case, Honda Financial will provide the consumer with the name and address of the original creditor, if different from the current creditor. I demand this debt be validated pursuant to this code. 
Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, presented.
Consumer complaint received 2021-07-14
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: JPMORGAN CHASE & CO. (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-04-28
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)

ON XX/XX/25 I SENT A LETTERS TO MY CREDIT REPORTING BUREAUS INFORMING THEM THAT I SAW MY CREDIT REPORT AND THAT THERE WAS OBSOLETE AND INACCURATE INFORMATION ON MY CREDIT REPORTS THAT WERE HURTING MY ABILITY TO APPLY FOR CREDIT. ITS BEEN 30 DAYS AND MORE AND I HAVE YET TO RECEIVE ANY RESPONSE FROM THEM. I'VE TRIED TO CONTACT THEM BY MAIL AND PHONE AND HAD NOT SUCCESS. BELOW WILL BE THE ACCOUNTS THAT ARE NOT MINE AND I HAVE NOT SEEN AND PROOF TO SHOW THAT THE INFORMATION IS CORRECT. 

XXXX. XXXX XXXX XXXX ACNT # : XXXX {$11000.00} XXXX. XXXX XXXX XXXX ACCNT # XXXX NO BALANCE REPORTED XXXX. XXXX XXXX XXXX XXXX  ACCNR # : XXXX {$15000.00} XXXX. XXXX XXXX XXXX ACCNT # XXXX {$4700.00} XXXX. XXXX XXXX XXXX ACCNT # XXXX {$2000.00} XXXX. XXXX XXXX XXXX XXXX # : XXXX {$11.00}, XXXX
Consumer complaint received 2020-11-02
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)

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.
Consumer complaint received 2020-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (WI)

Hello My name is XXXX XXXX and Id like to file a complaint with Chase bank particularly with the one in XXXX XXXX and their credit reporting agencies. 

Unfortunately it has been on multiple occasions that I have been trying to establish a payment plan with this company. At times they have stated to me that I do not qualify because my income is not sufficient in regards to my debt. I explained Im going through a hardship etc. and it has been horrible. I have tried my best to make payments but it seems like its very difficult for this bank to keep to their promises like they say they will and treat their customers with respect. 

For example. I received a part time job and now they are still stating that I dont make enough in order to be in this program. Previously they had stated if I received a job that I could get into a payment program. 

On XX/XX/202 I was hung up on and I just felt overall disrespected and humiliated. This was with a supervisor and the coworker. 

We just can never seem to see eye to eye on things. 

I have also spoken with XXXX today to help discuss my concerns about my payment plan and we still have not come up with anything. At least she heard my concern. 

If someone could please call me at their earliest convenience Id be happy to explain further or write a detailed letter of what had been occurring. 

XXXX XXXX XXXX
Consumer complaint received 2020-01-14
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: Santander Consumer USA Holdings Inc. (LA)

I am a victim of identity theft. I have filed a police report and filed a complaint through the XXXX. In the year of XXXX I misplaced my purse at XXXX with my dl & social security cards, debit card for me and my children.The following items are appearing on my credit report as a result of being victimized I am requesting that these items be removed immediately as it is destroying my credit reputation. I had no knowledge of these accounts until a year ago and tried disputing directly with credit companies. Please help me with this matter. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX
Consumer complaint received 2020-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I deposited XXXX into my bank account on XX/XX/2020 and the atm spit back out {$20.00} because it was ripped. Machine then said error and did not even print me out a receipt or anything. I contacted Bank of America and filed the dispute. They said in 2 days I would recieve a temporary credit. After the 2 days I noticed that my claim was closed. I contacted Bank of America again and they still have not been able to help me. Thats XXXX of my hard earned money pretty much lost
Consumer complaint received 2021-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX CARD Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 9. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 11. Company Name : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 12. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Consumer complaint received 2021-01-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NV)

I have made numerous attempts to pay the mortgage company. I began calling in XX/XX/XXXX, they ignored my calls. In XX/XX/XXXX i made a formal complaint and they assigned XXXX XXXX to my file. I applied for 2 modifications and was denied. they said my payment started at {$510.00} and is now {$740.00}. they said since it increased they cant help me. I asked them could they waive or reduce fees, they said no. I offered to pay {$1500.00} per month, 2x the mortgage they still say now. my mortgage statement say that i owe $ XXXX i am willing to get another loan to pay them off. they now say i owe $ XXXX. on XX/XX/XXXX XXXX XXXX said i owed $ XXXX, she called a month later on XX/XX/XXXX and said i owed $ XXXX, the most recent notice says $ XXXX, how did my balance jump $ XXXX, it does not make any sense. I am willing to pay the mortgage, they will not allow me to. i have been advised that if i send any money, my home will still be taken. i have saved money and am prepared to send it to them.
Consumer complaint received 2021-01-04
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. (NY)

XXXX, TRANSUNION, AND XXXX  ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.
Consumer complaint received 2020-11-02
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Good Day, I am XXXX XXXX XXXX and the reason I am writing to you is complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Consumer complaint received 2020-11-02
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. (PA)

I have Unathorized accounts & inquires on my Credit report. According to the Fcra Any Unathoriized items on my report must be removed if not % 100 accarute & Verifiable. Please Remove this From my report
Consumer complaint received 2021-01-04
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: EQUIFAX, INC. (NJ)

Good day, On XX/XX/2020 I and my wife sent in disputes concerning incorrect and unverifiable information we discovered within our credit reports. Our disputes were sent to XXXX, XXXX ; XXXX, and Equifax Information Services, LLC, requesting these companies to investigate the accuracy and validated right to report the said information that seemed unverifiable. FCRA section 609 ( a ) ( 1-5 ). After not receiving a response within thirty ( 30 ) days, I sent a demand letter to XXXX, XXXX, XXXX  and, Equifax Information Services, LLC where no response was forthcoming ; the demand letter was created on XX/XX/2020. Given none of the credit unions responded within the time provided I sent correspondence informing them of their duty owed under the law. FCRA 611 section ( 5 ) ( A ) ( i ). Where the credit reporting agencies are not in compliance with my rights and their obligations under the Fair Credit Reporting Act, I can challenge their right to report all incorrect and unverified accounts and information on my credit report. Any investigation instituted must comply with the FCRA, as there is no proof of a response or of verifiable, original creditor documentation, there is no verification. 611 section ( a ) ( 1 ) ( A ). I demand removal.
Consumer complaint received 2020-11-02
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (RI)

XX/XX/20 ( est ) - Applied for XXXX XXXX XXXX XXXX XXXX ( Synchrony Bank ). Did not receive instant approval. Realized shortly after my credit was frozen with all 3 credit bureaus due to fraud protection. Contacted Customer Service. Representative agreed frozen credit would cause the instant denial and suggested that I contact the credit bureaus to unfreeze credit and reapply. 

XX/XX/20 ( est ) - Unfroze credit with all 3 credit bureaus per Customer Service suggestion. Reapplied and received same denial result. 

XX/XX/20 ( est ) - Contacted Customer Service again. I was advised to wait 30 days before reapplying. 

XX/XX/20 - Received 2nd denial letter only indicating " high risk source of application ''. 

XX/XX/20 - After waiting 30+ days, unfroze credit with all 3 credit bureaus, reapplied. Same denial result. 

XX/XX/20 - Received 3rd denial letter only indicating " high risk source of application ''. 

XX/XX/20 - Contacted Customer Service. Spoke with XXXX, XXXX XXXX XXXX Account Manager. I was told the application was automatically denied and there is nothing else that can be done. 

I have excellent credit and have never been denied credit approval. I am also already a current Synchrony Bank customer in good standing with a different store card. Since these credit denial decisions were clearly not based on my credit, I feel that I am a victim of discrimination.
Consumer complaint received 2020-01-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (CO)

XX/XX/XXXX I called and spoke with agent XXXX finally and we discussed money owed which she stated was around XX/XX/XXXX. I asked what happened to the {$500.00} each month ive sent in for the past three months. She did not know and told me that I do have {$500.00} sitting in there. I asked were is the rest and why has it not been applied to the owed amount. Kept me going in circles about that. Finally she was supposed to review with copies of checks i sent in. This was to here web site " XXXX I did and was to her attention as she asked. The web sent auto response saying it will be addressed within 24 hrs. Its been way longer than that now. No response on phone or email.
Consumer complaint received 2020-01-13
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 WAS MADE AWARE OF A FEW ACCOUNTS ON MY CREDIT REPORT THAT I NEVER OPENED ; I FOUND OUT TODAY XX/XX/2020 WHEN I WAS DENIED FROM LEASING A CAR AT XXXX DUE TO HAVING POOR CREDIT. I WAS CONFUSED WHEN THEY TOLD ME I DIDNT QUALIFY BECAUSE OF MY CREDIT SINCE I HAVE ALWAYS MAINTAINED A GOOD CREDIT REPUTATION. WHEN I LOOKED THROUGH MY REPORT, I IMMEDIATELY NOTICED THAT NONE OF THOSE ACCOUNTS WERE OPENED BY ME. AFTER DOING MORE RESEARCH, I FOUND OUT THAT THESE ACCOUNTS BELONG TO SOMEONE NAMED XXXX XXXX. I DON'T KNOW WHO THAT PERSON IS NOR DID I GIVE HIM/HER PERMISSION TO OPEN THESE ACCOUNTS IN MY NAME. I HAVE ALREADY FILED A POLICE REPORT REGARDING THESE UNAUTHORIZED ACCOUNTS. I DID NOT BENEFIT ANYTHING FROM THESE ACCOUNTS NOR DID I EVER MAKE ANY PAYMENTS OR TRANSACTIONS USING ANY OF THOSE ACCOUNTS.