davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-26
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. (CA)

I am writing as a concerned consumer to address the accuracy and fairness of the information listed in my credit report. As you know, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ) was established to ensure accuracy, fairness, and privacy within consumer reporting agencies. The FCRA provides me with specific rights to ensure my credit report is both correct and that I am treated fairly during the reporting process. 

According to the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Informed of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my interactions with your agency to guarantee that my credit report is accurate, complete, and reflective of my actual credit history. Any discrepancies or inaccuracies should be corrected immediately to prevent harm to my creditworthiness. 

XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am disputing this account because I do not owe this debt to such company, the collection agency has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) and has not allowed me to dispute the account under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). These omissions have led to a violation of my consumer rights. I have recently contacted the other credit bureaus ( XXXX, XXXX ) regarding this matter, and they promptly corrected the inaccuracies in my credit report. I am hopeful that Equifax will take similar action to rectify this issue and ensure that all items on my report are accurately and fairly reported under FCRA regulations. The Collection Agencies reporting practices, which involve false and misleading information, are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ), and have been corrected by other agencies.
Consumer complaint received 2024-09-26
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. (TN)

This account was charged off on the following date ( XX/XX/2023 ). Since then the account has repeatedly been updated as charged off every month. This is an update of in the payment history. A charged off account should NOT include and active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my consumer rights. I am demanding a deletion of the following account.Account Info Account Name : XXXX XXXX XXXX Account Number XXXX
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I received a rejection letter from XXXX XXXX about line of credit I never applied for. The letter cited some false facts about my personal credit record as the basis for the rejection. We sought a term loan from a company online, to see what products are out there, however, we never applied to a loan with XXXX XXXX. XXXX XXXX had previously sent me 5 emails between XX/XX/XXXX to XX/XX/XXXX requesting for information to evaluate offering a Line of Credit to my business. I never applied for any line of credit with them, nor did I ever authorize them to run my personal credit. It must be illegal to make financial determinations after illegally obtaining my credit record and misrepresenting the facts after I rejected advances from them.
Consumer complaint received 2022-06-21
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. (MI)

N accordance with the Fair Credit Reporting Act 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 a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-21
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 — Problem with personal statement of dispute
Company: Navient Solutions, LLC. (OH)

On XX/XX/XXXX XXXX sent me an alert that my credit score had been updated. Navient reported that I was 90 days delinquent on XXXX XXXX. The United States is on a student loan freeze, and my income based repayment plan was reaffirmed back in XXXX. Navient said it expired in XX/XX/XXXX, but my payments were {$0.00}. Now, in XXXX theyre saying Im 90 days past due and I have never had an issue until now. Amounts are reported as XXXX, {$7600.00}, {$2500.00}, and {$1800.00}. I have disputes this with XXXX and the Ohio Attorney Generals office. I just want the 90 day delinquency removed from my credit report since it hit my credit hard and I have never been late and were on a federal student loan freeze. Since they changed my credit report, they have put me on a forbearance to get my past due balance caught up, and my income based payment plan is back in effect. I have another student loan servicer and I dont have any issues with them or their credit reporting.
Consumer complaint received 2016-11-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

I noticed in last month, XX/XX/XXXX, that our time share company showed up on our credit report and with payment history. Cool, I have no problem except when I looked at it I noticed late payments! XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( XX/XX/XXXX XX/XX/XXXX ) hows late XXXX days. I have made all my payments and currently I 'm working to get a mortgage and this is how I found out. They showed me and no I ca n't get a house. This was not on my credit over month ago and suddenly it shows. Experian is reporting inaccurately. I sent them a letter last month disputing this account and no response. I 'm desperately trying to figure out an easier way but it does n't matter bc it 's impossible to get ahold of someone there without waiting and then when you do wait and someone picks up.. they seem over confused and barely speak english. Hopefully this will bring me some relief. thank you
Consumer complaint received 2016-12-17
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (CA)

I purchased my home in 2007 from American Home Mortgage. I had a first mortgage of around XXXX and a second mortgage of XXXX. The first mortgage was supposed to be and FHA and the XXXX was a program through calhfa for educators that worked in title XXXX schools and it had no interest. 2 Weeks after my loan went through, American Home mortgage went bankrupt. My paperwork was never sent in to FHA or XXXX. I received a letter from XXXX XXXX XXXX about XXXX10 months after I had been making payments with a refund for my property mortgage insurance. I was told at that time that my loan had been assumed by XXXX XXXX XXXX and was a conventional loan with a fixed rate of 5.5 %. I no longer had to pay the PMI. That also stopped me from being able to roll it into a FHA loan when the interest rates dropped. I was underwater on my loan because of property values but never missed a payment. Now I am trying to refinance but the paperwork has been lost on my XXXX and my refinance will not go through unless we can get information from the trustee of American Home Mortgage on my 2nd mortgage. I am locked into a XXXX interest rate until XXXX XXXX. If we do not hear from the trustee the XXXX my loan will not go through. I will have to pay for the appraisal and processing costs. This loan will save me XXXX per month on my payments. I have copied the info from my loan officer below. She has requested the info from the trustee but has not heard anything from them. The only contact info we have is an email address : XXXXXXXXXXXX. 
To : XXXXXXXXXXXX ' Cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX mortgage Hello- I am the lender that is assisting the Capteins with a refinance of their first mortgage. We need the second mortgage to subordinate as their appraisal did not come in high enough to pay off the second mortgage. XXXX XXXX from XXXX sent the assignment of the second to you as this loan was never sent to XXXX to purchase when the borrower 's closed on their transaction back in XXXX of 2007. 
Please advise if you need any additional information from XXXX XXXX Mortgage. XXXX XXXX with XXXX XXXX title can send you documents for the subordination upon your approval. Our lock expires on their rate on the XXXX of XXXX, so please advise at your earliest opportunity. 
Thank you. 
XXXX XXXX XXXX XXXX Mortgage Loan Officer I am in desperate need of help with this. And of course I need it asap before XXXX. Please advise, Thanks, XXXX XXXX
Consumer complaint received 2015-06-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX and the Michigan XXXX XXXX XXXX my Federal tax refund in the amount of {$2700.00} on XXXX XXXX, 2015, however I paid by loan in full with penalty and interest On XXXX XXXX 2015. The overage was not reflected on my credit report, not has the full amount been returned. I requesting the following : because it is a reported error, that all references of Michigan XXXX XXXX be removed from my Credit report in conjunction to applicable FCRA. I submitted documentation to Experian regarding this matter On XXXX XXXX 2015, there response that was this information was verified
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2017-03-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Knight Adjustment Bureau (UT)

Today ( XX/XX/2017 ), I received a letter from knight adjustment bureau. They claim to have an account for me from XXXX XXXX. They also claim that I owe {$1200.00}. I do not currently have, nor have I ever dealt with XXXX XXXX.
Consumer complaint received 2016-01-20
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Kentucky Higher Education Assistance Authority (KY)

Both parties have agreed on a {$100.00} a month payment agreement. Every 4-6 months I will receive calls at least twice a day lasting up to 2 weeks on my cell phone and at my places of employment saying they do not have a payment. I also receive letters stating I have failed to follow the payment agreements. I have spoken with XXXX and XXXX who are managers, informing them that payments were made and I do not owe, they will look it up and say I am correct. On XXXX/XXXX/2016 I received XXXX phone calls from XXXX XXXX on both my cell phone and at my place of employment by XXXX stating it was urgent and for me to call KHESLC. I called back to KHESLC and spoke with XXXX, I told her that I was current with my payments and that I informed XXXX back in XXXX to not call my places of employment. XXXX stated that I should NOT have received a phone call, that I was up to date on my payments, and that my due date was n't until XXXX/XXXX/2016, she said she would investigate the call and would take care of it. On XXXX/XXXX/2016 I received a letter from KHESLC stating that I had failed to follow the agreements of the payment plan. On XXXX/XXXX/2016 I received a phone call to my cell phone at XXXX from XXXX stating it was urgent for me to contact KHESLC. I called XXXX telling her that I received another phone call and a letter, and that a payment was made on XXXX/XXXX/16 and again that I 'm current on my payments and that what is being done is harassment. XXXX agreed and said she would look into it and call back. She called me back saying she spoke with XXXX XXXX and they both agreed that I should not be receiving phone calls or letters because I am current. XXXX said to call her back if I receive another phone call.
Consumer complaint received 2015-09-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Amsher Collection Services, Inc. (TX)

XXXX applied a balance to me that was in someone elses name and personal information. The person was a roommate, who is not related to me, XXXX years youger than me and who provided their social security number, dob and address and used the internet service. I told them this was not my debt but they have placed it under my name with several collection agencies.
Consumer complaint received 2016-08-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (IL)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are requested to " promptly delete all information which can not be verified 'that I have disputed. Please resolve the manner as soon as possible. 
The Credit Bureau failed to provide me with a proper investigation as well as provide me physical proof that the accounts I disputed was my accounts. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " promptly DELETE all information which can not be verified.
Consumer complaint received 2016-06-01
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC ()

I entered into a lease with BMW financial services four years ago. shortly after signing my lease I noticed the payment date was incorrect, I went back to the dealership and completed the form to change the payment from the XXXX to the XXXX of the month. Over the course of my lease I have had continue problems with the payment coming out on the wrong date. I have completed the change of date form a number of times, I have made phone call after phone call, where I am assured it has been corrected and will not happen again. There have also been a couple times where they will take more then one payment or not take a payment at all, where I will have to battle them to get it corrected. So after all this I have just found out that I have reports of slow payments on my credit bureau, because of the times that they have messed up. I have tried to resolve this with BMW financial however after trying for the past two weeks I have yet to actually speak with a supervisor or a manager to get to the bottom of this.
Consumer complaint received 2017-01-20
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I made a balance transfer awhile back for a 0.0 % interest rate until XX/XX/XXXX with Bank of America. I owe {$7700.00} of XXXX on it. I have not used it for purchases for many years. I 've made payments by auto-deduction from BoA. I was stuck at the last minute for a business trip and bought an airline ticket, XX/XX/XXXX. As soon as I was reimbursed, I paid it to the credit card. Since then, I kept having missed payments, and the minimum payment was always very different. Today I made another call to them, and was told I have 10.49 % interest on my airline ticket purchase. I said I thought the payments went to the highest interest rates first. He told me since the government has changed the credit card regulations ( or something like that ) the opposite was true. Is this true?
Consumer complaint received 2015-04-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Alliance One, Inc. (ID)

I was a XXXX, who was advertising on XXXX. XXXX. When 2008 hit I dropped my XXXX My XXXX ad continued. I was contacted by XXXX XXXX and was told i was advertising and it was against their law. I told them i would change the ad and did n't know that it was against the law. I have been doing work as a XXXX in the state for years. Then I was sent a bill for a XXXX by XXXX. I filed a complaint as I looked at it as a extortion. I was n't working on that side of the state at all. The XXXX covers XXXX and XXXX together. I have contacted the state reps and have tried to talked to the state XXXX without any help. Now the state turned it over for collections a tax lean. That should be against the law by itself. The collection outfit is Allianceone rec, mgmt XXXX XXXX XXXX XXXX. This is a out rage against someone who has worked payed taxes for years in XXXX state. Extortion is the only way the state can get the funds for being broke, even if it means going after people like me
Consumer complaint received 2015-03-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime (FL)

I contacted Drivetime on several different occasions regarding a car loan I had with them account # XXXX i do not have the number for the other loan that was removed also from the credit bureau with a positive credit rating that was closed and paid in full. The company insisted on avoiding an agreement entered into by myself and XXXX of their company representative in a corporate position they have the agreed upon resolution and can provide your agency with a copy of the same because i do not have the capability to do so with my computer. Drivetime during the month of XXXX XXXX removed my credit reporting information from XXXX credit bureaus reporting agencies I believe XXXX and XXXX XXXX I discovered in or about XXXX XXXX that my positive credit ratings were no longer in the XXXX and XXXX credit bureaus and that another positive account for another car loan was no longer reporting in my credit file. these removals adversely affecxted my credit ratings and as such my ability to purchase something with a lower interest rate. I have never missed a payment to the Drivetime company on my car loans inclusive of XXXX XXXX XXXX XXXX different auto loans and for them to destroy my credit ratings is despicable. I spoke with XXXX today ( XXXX/XXXX/XXXX regarding those issues and his response to me was that Drivetime is now in the process of updating all consumers credit files and all of the consumers credit files were removed from the credit bureaus and is being updated however he does not know how the process is being performed who 's records are being updated/ corrected and what process or timeframes this process will take and furthermore does the process involves all consumers credit reports or are they updating reports for existing customers again which would not apply to me because my loans have been paid off and are closed however they did the same thing to my credit reports. Therefore the process would leave me with no credit ratings for accounts that I have paid off in good faith and never missed a payment in doing so however they kept trying to report my latest account as a repossession and or account was not satisfied I had them make the corrections and now back in XXXX or XXXX of XXXX I discovered yet again they tampered with my accounts by removing my positive information from the bureau for the account paid off in XXXX and for the account prior to that XXXX removed it from the credit bureau entirely and left the XXXX account in XXXX bureau I believe in the XXXX credit Bureau which was the same method of operations that has done to the existing consumers. Therefore Drivetime Representative XXXX gave me erroneous information about my accounts and for those reasons I am submitting a complaint to the Consumer Financial Protection Bureau based on the ruling implemented in terms of enforcement against the Drivetime XXXX XXXX for their violations of consumer rights dated XXXX XXXX, XXXX which is what they did to me in XXXX XXXX XXXX and prior to those dates in XXXX.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-29
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: TRUIST FINANCIAL CORPORATION (IL)

Regional acceptance finance the vehicle through XXXX XXXX for me. One week after the purchase on XX/XX/XXXX the check engine light came on. I returned the vehicle to be serviced. XXXX XXXX kept the vehicle for one year servicing it providing me a loaner for the entire time. I called back to ask the status of vehicle they were fixing. They indicated that it was still being serviced. I called the finance company to let them know that I have not been in the vehicle the entire time I've purchased it and that XXXX XXXX was not fixing it. What were my options? They indicated they would give me a call back 2 days later. I called them back when I was informed that the car was repossessed. The car note for the car was not due until the XXXX and the car was repossessed on the XXXX.
Consumer complaint received 2017-01-04
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: Experian Information Solutions Inc. (CA)

Request for permanent removal from preapproved credit offer mailing lists was submitted XX/XX/XXXX. After continued receipt of unwanted offers, on XX/XX/XXXX, I sent a reminder of my submission. Here it is XX/XX/XXXX, and I am receiving a new offer from XXXX that states it comes from " prescreened '' list. I am very displeased at the lack of attention my request was given.