davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-12
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. (LA)

FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7600.00} XXXX/XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX {$130.00} ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX LA XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX ODA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX  XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX/XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX, TX XXXX
Consumer complaint received 2020-11-12
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. (GA)

I RECENLTY PULLED MY CREDIT REPORT. I HAVE A LOT OF FRAUDENT INFO ON MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT. THESE FRAUDULENT ACCOUNTS ARE CAUSING HARDSHIPS AND MENTAL DISTRSS FOR ME AND MY FAMILY.
Consumer complaint received 2020-11-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (FL)

I received a legal document in the regular mail that was a Second Notice to Defendant with XXXX XXXX XXXX XXXX, now signed by attorneys for XXXX XXXX XXXX. Stating the Court issued a Continuing Writ of Garnishment on my employer. I have never received anything about this case until now ever! I looked up local court records under my name and apparently there was a default judgment issued against me and for Asset Acceptance LLC on XX/XX/2010! This has never even been on my credit report! I have no knowledge of this matter at all or what it was for. What should I do?
Consumer complaint received 2021-06-26
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. (GA)

1 ) On XX/XX/2021 I sent the attached debt violation letter to XXXX XXXX XXXX pursuant to 15 USC 1692. ( See exhibit A ). 

2 ) In XXXX they responded ( with no date on the letter ) with a notice of receipt and a promise to change the status of the reporting on my credit to Paid in Full- XXXX Balance within 30 days. ( See Exhibit B ) On XXXX XXXX The specific items required for validation were not received.

XXXX XXXX XXXX is in violation of 15 USC 1692 for the following acts : XXXX XXXX committed fraud by ignoring the cease and desist.

XXXX XXXX XXXX failed to provide the amount of the alleged debt.

XXXX XXXX XXXX failed to provide the name and address of the original creditor.

XXXX XXXX XXXX continued to report derogatory, unverified information to the credit reporting agencies within the 30 day period and until present day. 
XXXX  committed deceptive practices in their debt collection efforts by failing to perform as promised in their letter. 

In my letter I stated they were to cease and desist until debt collection activities until all requested items were provided. This includes reporting any derogatory information to the credit reporting agencies. I tried several times to call and have someone update the file, but I was told there is no one I can speak with. 

Unverified Items must be deleted within 30 days. These unverified items are still reporting to all 3 bureaus, which is a violation of the Fair Credit Reporting Act. ( See screenshot of credit reporting to XXXX, XXXX and Equifax )
Consumer complaint received 2020-11-12
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. (NY)

I am a victim of identity theft. Please remove the fraudulent accounts and inquiries on my credit report. The charges on my account were not authorized. Please block and remove these accounts from my credit report. I am demanding that the fraudulent charges and inquiries be blocked and removed.
Consumer complaint received 2020-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC. (IN)

On XX/XX/XXXX, I e-deposited a check for {$200.00} from a trusted source into my checking account at Axos Bank. I received a confirmation e-mail from the bank stating that my funds would be available 5 business days after the date of deposit. When I sent an email asking why at least the first {$100.00} of my deposit was not released the next business day after deposit, the bank responded that my funds would be held until XX/XX/XXXX. 

It is my understanding that federal regulations require that banks make deposited funds available within a reasonable time, and in most cases require banks to release the first {$100.00} of deposited funds available on the first business day following the day of deposit. 

Axos policy of arbitrarily holding deposited funds for 5 days or more, regardless of the amount, source, or the evaluated risk of the deposit, is not " reasonable '' within the meaning of federal banking regulations.
Consumer complaint received 2020-11-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

I have been trying to get this loan reviewed for a loan modification since XX/XX/2020. In a letter dated XX/XX/XXXX, Shellpoint informed me they required additional documentation to finish their evaluation, more specifically, a copy of their Uniform Borrower Assistance Form, a copy of most recent bank statements, Copy of Dodd-Frank Certification Form and, copy of most recent quarterly profit and loss statement.

On XX/XX/2020 I submitted all of those documents to the mortgage company via the dashboard on website ( with email confirmation ) and via email. On XX/XX/20 they were submitted again via fax because ( also with fax confirmation ) because I was informed through email that For some odd reason our imaging system isnt uploading all the documents to her file.

On XX/XX/20 Shellpoint informed me they are unable to complete the evaluation because they did not receive all of the required documentation and asked me to contact the office to discuss whats missing. On XX/XX/20 I contacted Mr. XXXX XXXX, my Loss Mitigation Specialist at the mortgage company, to find out what was missing. Today is XX/XX/20 and have not heard back from Shellpoint yet.
Consumer complaint received 2020-11-11
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. (TX)

I have found collection accounts from XXXX XXXX, XXXX XXXX and XXXX XXXX that claim I owe them money. I have never signed any contract with these comapnies and request to have these permanently removed from my credit report.
Consumer complaint received 2020-11-12
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. (IL)

Dear XXXX/DOFED & Transunion Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be removed immediately.

( Screenshot below )
Consumer complaint received 2021-06-26
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (AK)

ON XX/XX/XXXX I CONTACTED GM FINANICAL BECAUSE MYSELF AND HUSBAND NOTICED WE HAD A LATE PAYMENT SHOWING ON OUR CREDIT REPORTS FOR XX/XX/XXXX. 

I WAS INFORMED THAT IT WAS INCORRECT AND IT WAS A DEFERRED PAYMENT AND SHOULD NOT BE SHOWING A LATE PAYMENT. IT WOULD BE UPDATED IN ABOUT 30 - 45 DAYS. 

XX/XX/XXXX IS STILL SHOWING AS A LATE PAYMENT. I HAVE REACHED BACK OUT TO GM FINANICAL AND DISPUTED IT WITH THE 3 CREDIT BUREAUS AND IT STILL HAS NOT BEEN UPDATED. 

I ALSO SENT A FOLLOW UP EMAIL TO XXXX XXXX FOR THE XX/XX/XXXX AND XX/XX/XXXX. I HAVE YET TO HEAR ANYTHING BACK.
Consumer complaint received 2020-11-12
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)

My XXXX is reporting with a thirty days late remark. TypicallyI always try to pay on time and I don't have late remarks anywhere. However, this time unfortunately as a result of XXXX XXXX  which I have severely suffered through I've earned a late remark.XXXX  at the time has followed the CARES act and extended the time for payment upon request which I was not capable of doing at the time. Should I've connected XXXXat the time I would've gotten an extension and avoided this remark. ThereforeIam kindly requesting that the remark be removed to rectify the damage it's causing me now while shopping for a mortgage. 

Please get it resolved as soon as possible. 
Thanks in advance for taking this into consideration and for the opportunity to share it with you.
Consumer complaint received 2020-11-11
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (FL)

Santander states I didn't dispute with them yet I did attempt to dispute via Santander through various methods before disputing with the credit bureau 's. Wether their records are kept is irrelevant to me. I'm not asking for goodwill. The facts are Santander said I wouldn't be reported late if I chose to do an agreement with them which I did when the pandemic began. I was told I could pay later. In addition, I extended my lease to cover the months of XXXX and XX/XX/2020. I signed on XXXX because they hadn't offered me the document to sign sooner. And, the request for payment assistance was done prior to becoming late. I can't say anything about your records keeping but this is the whole truth.
Consumer complaint received 2021-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

I am sending this complaint because Equifax is misreporting an account. I sued the company XXXX XXXX XXXX and I won the case on XX/XX/XXXX. 

Account information is as follows : XXXX XXXX, date opened : XX/XX/XXXX, closed date : XX/XX/XXXX, credit limit : {$7600.00}. 


Equifax must stop reporting this account as soon as possible. 

Please see attached proof of case won.
Consumer complaint received 2020-11-12
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: Bread Financial Holdings, Inc. (TX)

Good day, My name is XXXX XXXX XXXX and the reason I am writing to you is to 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 have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

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 2020-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (UT)

IC Systems is reporting a debt on my credit file that I do not owe. I recently checked my credit file and noticed this debt. I called immediately and paid this debt off. I never received any phone calls, notices, or letters about this debt and that violates my 30 day right to dispute.
Consumer complaint received 2020-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (SC)

US Bank set up automatic payments from my XXXX XXXX XXXX XXXX XXXX account ending in XXXX without my consent. After reviewing my US Bank account online, I realized that three automatic bank drafts ( {$200.00} XX/XX/XXXX, {$190.00} on XX/XX/XXXX, {$190.00} XX/XX/XXXX ) were paid from my credit union account that I didn't authorize. 

Prior to contacting US Bank, I attempted to remove the auto-pay and my bank account online, but there wasn't an option on the payment option. The representative, XXXX, was unable to remove the auto-pay form the account as well, and she couldn't explain the reason that US Bank was accessing my personal bank account without my consent. 

I spoke to a supervisor, who was able to remove the auto-pay, but she couldn't explain why the unauthorized payments occurred. She submitted a request for a refund which may take 7-15 days. This should've never occurred where US Bank is accessing my bank account without permission. XXXX, a supervisor for US Bank, submitted a refund request to the Research Team, which will take approx. 5 days, and additional 17 days to be processed. This time-frame doesn't include mailing the refunds. Therefore, rather than US Bank processing the request for refunds, I have requested my bank to refund the debits based on unauthorized debits.
Consumer complaint received 2020-11-11
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. (UT)

I have been disputing items on my credit report with ALL 3 of the bureaus and NONE of them have responded to me. I have been denied financing and it is because there are errors on my credit report that THEY are reporting! I have contacted the Attorney General in their state of operation and you, the CFPB should be ensuring that they are doing what they are supposed to do under the law. They need to remove the errors I have been disputing!
Consumer complaint received 2021-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

These companies Transunion, XXXX, XXXX Fraud department said that the ideas will be removed over the phone nothing happens yet thank you for helping me with this important matter XXXX bless
Consumer complaint received 2020-11-11
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. (TX)

I bought a XXXX on XXXX and finance it with XXXX. In XX/XX/XXXX I got really sick and was out of work for about a year. 
XXXX repossessed the car on XX/XX/XXXX and is reporting the vehicle was repo in XXXX. Also XXXX and the collection agency are both reporting the same information on credit bureaus with XXXX incorrect information. I have challenged them more than a few time but keep on getting the same answer from credit burous that information is accurate especially XXXX XXXX that doesnt help on anything.
Consumer complaint received 2020-11-11
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. (NY)

I am writing to dispute about a fraudulent charge on my account which is XXXX XXXX XXXX and XXXX XXXX Solution. I am a victim of identity theft and would like that the following account be deleted from my credit report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act
Consumer complaint received 2020-11-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX last year XX/XX/XXXX. The vehicle was financed through Capital One and totaled this year in XX/XX/XXXX. Capital one only recently started sending me paper statements the same month the vehicle was totaled and I noted and informed XXXX XXXX co representative XXXX XXXX that Capital one has the wrong vehicle. I reached out to XXXX corporate office, the title division and asked that they contact Capital one and send them what they were asking for to make the correction and she did. I was able to verify this through XXXX XXXX an account XXXX at Capital One who after aprox 4 weeks have not been able to updated records from the back office and the only thing he can do is to continue to send them emails. Capital one has switched my infinity to a XXXX XXXX XXXX that I have never owned. I am XXXX XXXX XXXX, a single home owner and feel that I am being abused and taken advantage of. XXXX XXXX frequently states theres something wrong with the collateral which makes no sense to me nor do I understand any of the delay since they have been provided the with proper records and title information, why are they unable to correct the records so that the insurance company can pay off the infinity so that I can move forward to other problems that many people have today. The stress and frustration is too much, please help me.
Consumer complaint received 2020-10-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (PA)

CREDIT ACCEPTANCE CORPORATION XXXX XXXX  XXXX CREDIT DISPUTE DEPT XXXX, MI XXXX Phone : ( XXXX ) XXXX I received a copy of my credit report and found the following item ( s ) to be errors. 
I am writing in regards to the above referenced accounts and transactions. 
This vehicle was repossessed by Credit Acceptance Corporation in the XXXX of Pennsylvania in XX/XX/2019. The exact date of this Repossession is unknown because I was out of the state when the car was taken. 
Additionally, Once the lender has repossessed the car, a sale of the car may be scheduled. Pennsylvania law requires lenders to provide the debtor with a notice of sale before the sale of the car. This notice must provide the debtor with information in writing of the date, time and location of the scheduled sale. 
Cars are usually sold at auction to the highest bidder. Personal property found inside a repossessed car may not be kept by the lender. The lender must provide the debtor with information regarding the recovery of personal property. Lenders must return the license plates of the car to the registered owner. Unfortunately, the law was broken and my rights were violated according to Pennsylvania State Repossession Laws. I NEVER received any notice of the scheduled sale of my vehicle. After disputing directly with Credit Acceptance, I received the notices and the certified mail receipts clearly showing they did not timely deliver the proper notices and the mail was returned to sender undelivered. Also, my valuable personal property and license plate was NEVER returned to me and my items were basically stolen. 
Also, statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. As per Section 609. Disclosures to Consumers [ 15 U.S.C. 168 1g ], I am entitled to see the source of the information, which is the original contract that contains my signature and please note, the original creditor DID NOT PROVIDE ME any copy of the requested contract. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and DELETED from my report. It is my understanding that you will re-check these items with the creditor who has posted them. Please DELETE any information that the creditor can not verify. The items that the original creditor sent me as a result of my request for debt validation are ATTACHED in this letter. 
I will need this re-investigated timely in case I need to pursue legal action including initiating formal complaints to the state attorney general, better business bureau, CFPB and XXXX XXXX XXXX.