davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (PA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2015-04-02
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HOMESTAR FINANCIAL CORPORATION (GA)

Hello- i purchased a home in XXXX 2014. This day was suppose to be the happiest day of my life and instead i was feeling like i should have not made the purchase but was n't able to get out of it because of i would loss the down payment money and other things. the lender company did n't do a great job of explaining things correctly to me and i often received conflicting information or finding out that the amount approval was given was incorrect fha vs 100 % financing. ok, i found out that the lending company use and insurance company that i had no knowledge of and the amount of coverage was not correct. the house had coverage for someone not going to be in the home for about six months. i found that out due to searching for a lower monthly payment, on now i found out that the taxes on my home is 1500.00 hunder dollars more than what they said at first before closing. so with my monthly payment of XXXX is now going to go up over 800.00. When i went into the office to apply or see if i can qualify for a home, i told them I do n't a monthly payment of 700.00. they said i would have to fight the payment of XXXX until i file homestead exemption and i will drop about 300.00 a year and the would put me closer to my request. I said ok, now come to find out THAT is not going to happen since i am in the whole from the amount of propery tax and the correct insurance has gone up on my home. I am so afraid I will not be a home owner for long because of the STRETCH payment i am having to come up with from month to month now. This is stressing me OUT so bad, it will mess up my credit, and my living status with my family of having to find them a nother place to live. I spoke with manager of homestar and i do n't feel as thou he understand how this has effected my finances of struggling to pay this every month. Having to come up with extra monthly with children and other responsiblity is difficult, and that is Y i try to plan and keep it to an minimual ... .. this is CRAZY ... .... i am trying not to cry but it is hard to tell your family we may have to move because we can afford where we are because of some XXXX else neglection.
Consumer complaint received 2022-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (TX)

To whom it may concern, I am writing to delete the following information in my file : SOUTHWEST CREDIT SYSTE XXXX It shows that this account was opened in 2020. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates.
Consumer complaint received 2016-02-08
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (WI)

I tried to get my free report today. I could n't remember if I had opened up a new credit card in 2011, so they said I could n't verify my identity. I tried again tonight and was denied access this time they claimed I had already accessed all XXXX and they wanted me to pay {$9.00} for each. When I tried to complain on the site 's complaint form it kept rejecting it saying my typed paragraph was invalid. I was just given the run around unless I wanted to pay money. Very misleading & disappointing.
Consumer complaint received 2017-02-09
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: HYUNDAI CAPITAL AMERICA (CO)

Describe what happened so we can understand the issue ... 
After loosing my job, I fell behind on car payments, I always called and made arrangements. I had called KIA MOTOR FINANCE and made arrangements to pay the balance of XXXX on the XXXX of XXXX. I had made a payment of {$500.00} XXXX and that payment had cleared my account. 
XXXX XXXX I woke up to my car missing. I immediately called KIA MOTOR FINANCE they told me that had not taken my car back. I called the police, after 2hours the police informed me the car had infact been repossessed by KIA MOTOR FINANCE. 
I sent KIA MOTOR FINANCE the record of my payment on the XXXX XXXX being withdrawn from my bank account and I asked them why I they had repossessed my vehicle if arrangements had been made, and then told me that they had not done the repossession forcing me to call the police and waste a public officials time based on a lie. 
They would not answer my questions, they told me I know owed from a beginning balance of XXXX which was reduced by a {$500.00} payment on the XXXX XXXX, to {$960.00} was no infact {$1400.00} + {$490.00} + {$320.00} and another {$370.00} to the tow company. 
I had 48 hours to complete the transaction. 
I paid the full amounts owed to everyone and went to pick up my car. The tow company XXXX in XXXX, CO did not print me a receipt of payment, I was informed they could not print. I retrieved my car which had significant damage on both the driver back door XXXX and the passenger bumper. 
Immediately I informed the lot clerk, who pulled up the pictures of my vehicle when they picked it up on XXXX XXXX. I stood behind her and took pictures with my cell phone, clearly the there was no damage in the photos on the computer, proving they lot or drivers had done the damage upon repossession. 
I asked fora copy of the photos, which I was denied. The owner XXXX, asked to speak to me on the phone, he told me I was " confused '' and when I protested he yelled " XXXX and let me talk '' At which time I called XXXX Police Dept. who sent XXXX officers to assist me and take note of the damage, the verbal confrontation and the photos displaying on the computer showing no damage. 
The police informed me the owner would prefer me take the vehicle to a repair shop and " send him the bill '' rather than give me his insurance information. 
I refused the offer and requested the insurance information for a claim. 
Consent to publish the description of what happened? Consent provided Product Vehicle lease Issue Problems when you are unable to pay
Consumer complaint received 2024-10-13
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. (LA)

Consumer Name : XXXX XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/year> under the account number ( private ), XXXX XXXX XXXX {$6900.00}, XXXX XXXX XXXX {$540.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2016-01-14
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION (WV)

I am a XXXX yr old woman on social security. In 2013 I applied to credit acceptqnce for a car acceptance for a {$10000.00} dollar car loan. I swear I agreed to an 8percent finance fee ; they now claim I owe on an 18 percent loan! They call my phone every 1/2 hour from XXXX till XXXX every day I feel they are a " preditary lending group ''. And they 're preying on seniors & the poor. Are there any other complaints about this company/ And how can I find out about joining in on them? And how can I get this harassment to stop? It is starting to affect my health ( nerves ). I hate to hear my phone ringing Please advise me & warn others of this credit acceptance company I haver already paid what the car cost & am being harassed for the amount they say is finance charges. Thanks for any advice offered.
Consumer complaint received 2015-05-01
Product: Debt collection — Mortgage
Issue: False statements or representation — Indicated committed crime not paying
Company: Professional Debt Mediation, Inc. (GA)

The Initial creditor XXXX has lost paperwork and only produces half of the paper work we signed. Its sad because the other person in the lease agrees that he signed lease addendum to let me off the lease. The Management denied us the paperwork and only selected to use only the lease which we had signed before.
Consumer complaint received 2022-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

To whom it may concern, I am writing to delete the following information in my file : XXXX XXXX XXXX XXXX It shows that this account was opened in 2020. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates.
Consumer complaint received 2015-06-08
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (AR)

I purchased a XXXX XXXX and financed through Hyundai Motor Finance. The car was recently involved in an accident and the insurance company ruled it a total loss and is trying to payoff the car. My agent requested the information on XXXX XXXX, 2015. He has continuously been given the runaround from HMF. First, they asked him for inappropriate information ( details about the loss, my insurance policy and the claim itself ). Then, they refused to confirm receipt of the information he requested. We were told it would be 5-7 business days from the date they " received '' the information he sent, but they refused to verify they received it. It is now XXXX XXXX and today HMF told him it would be 3 more business days from receipt of additional information that they once again will not confirm they received. I faxed them this morning demanding escalation and a call from management by XXXX, to no avail. Meanwhile, I am waiting on the excess proceeds of that payoff to use as my down payment for another car. Further, I am buying a house and the HMF loan is still showing on my credit because HMF refuses to cooperate in ACCEPTING PAYOFF OF MY LOAN!!! I really need someone to intervene and make them cooperate and communicate with my agent.
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. (PA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX & XXXX ), Account # XXXX ( 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 2016-12-12
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CREDIT ACCEPTANCE CORPORATION (PA)

I recently received a statement from the IRS claiming I suddenly had a {$900.00} tax bill from XXXX. The year I 'm writing this statement is XXXX. Apparently, Credit Acceptance filed a XXXX for an account I may have had 15 years ago. I 'm not really sure when I had an account but I know for a fact that I have n't had an account with this company within the last 7 years. I am in the process of buying a home ( timing could n't be more perfect ) and I 've been monitoring my credit for the last 5 years to qualify for a mortgage. Therefore this claim would have shown up. 

Credit Acceptance claimed over {$3800.00} of my debt was forgiven. Thus leaving me with more income than originally stated, creating a {$900.00} tax bill. These types of bogus accounting tactics should be removed from our court systems.. I have faith the IRS will investigate the legitimacy of the false claim, however Credit Acceptance 's financial records need to be reviewed with a fine tooth comb. 

If anyone reading this has suffered the same fate, you can file a XXXX complaint ( XXXX 'Form XXXX ' ) with the IRS and maybe everything will work out ....
Consumer complaint received 2016-05-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

We received a credit report from Experion and it showed a judgement against us for {$190.00} from XXXX 2015. The judgement is from " XXXX XXXX ''. We have no idea what this is and feel it has been erroneously added to our credit report. Please investigate.
Consumer complaint received 2016-05-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NJ)

Back in XXXX 2016 we had signed a contract to sell our home. Before the closing my attorney noticed there were XXXX defects in the title the assignment and the satisfaction. He faxed to Ditech servicing the loan for Greentree Servicing LLC all the information needed to correct this issue. The closing was on XXXX XXXX 2016, and the correction has not been done and there is {$10000.00} in escrow which belongs to me. My attorney and I have made numerous calls with no results.
Consumer complaint received 2016-06-04
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Bureau of Bessemer, Inc (AL)

I have asked CB Bessemer XXXX to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (DC)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (PA)

Dear Sir/Madam, I am writing to formally request assistance with obtaining my credit report and credit score. Despite my efforts to access this information through the usual channels, I have been unable to do so. As a consumer entitled to view my credit information, I kindly ask that you investigate this issue and provide the necessary assistance to resolve it. 

Please advise me on any further steps I may need to take to obtain my credit report or if there are any specific issues that may be preventing access.

I look forward to your prompt response in resolving this matter.

Thank you for your attention to this issue.

Sincerely,
Consumer complaint received 2016-12-07
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: BARCLAYS BANK DELAWARE (TX)

Received correspondence from Barclaycard regarding Application : XXXX, XX/XX/2016. We need to verify the address listed on your application. Please send an original utility bill or bank statement with your name and address. 
NEVER APPLIED FOR A Barclaycard Visa with Apple Rewards. 

This is a repeat action less than six months apart from BARCLAYCARD. Please cease application. This is a fraudulent application.
Consumer complaint received 2022-06-21
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Academy Mortgage Corporation (GA)

Dear Sir/Madame : I am reaching out to your establishment for assistance regarding Academy Mortgage Corporation and XXXX ( their loan sub-servicer ) unethical and unfair business practices, which have left me with unnecessary stress as a consumer ; and one of their actions had affected my credit history and made a negative impact in my relationship with my creditors. I made multiple attempts via emails to contact Academy Mortgage Corporation through their associate general counsel ; XXXX XXXX XXXX, but as usual ; XXXX XXXX did not assist in resolving this issue. In a letter dated XX/XX/2022, that I received 2 days ago, Academy Mortgage Corporation transferred my loan to another servicer in the wake of their mishandling of my mortgage and false reporting of my mortgage payments as being late due to their amortization process. 
Academy Mortgage CorporationXXXX mishandled my mortgage by giving me the wrong interest rate for 4 years and, when they decided to make the correction, XXXX reversed and reapplied my mortgage payments ( According to them ). During their reversal for proper reapplication/amortization process, Academy Mortgage Corporation/XXXX falsely reported all of my mortgage payments to the leading consumer credit reporting agencies as being late. It was brought to my attention by a creditor that a delinquent reporting of a real estate secured loan was found on my credit. I immediately reached out to Academy Mortgage so that they could contact the leading credit reporting agency to make the corrections of their false reporting instead, Academy Mortgage Corporation decide to dismiss my concerns by transferring my mortgage loan to XXXX XXXX XXXX, hoping that their action would silence me and/or neutralize my effort to resolve their false report. Please assist me in having Academy Mortgage Corporation, and their accomplice ( XXXX  ) contact the Consumer Credit reporting agencies, to remove their Late Payments false report off my credit. Thanks in advance,
Consumer complaint received 2022-06-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (LA)

Ability Recovery Service LLC is attempting to collect a fraudulent debt for XXXX XXXX XXXX XXXX not owed by me provide proof of debt in writing within 30days or stop contacting me and delete fraudulent account from system
Consumer complaint received 2015-05-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: IQOR US INC (TX)

Allied Interstate is reporting a {$370.00} XXXX bill with all XXXX credit bureaus. I called XXXX on XXXX/XXXX/15 and spoke with XXXX at XXXX CST. He advised that XXXX does not have validation to send me & that I would have to contact XXXX for that. I spoke with XXXX at XXXX & he stated that I do n't have an outstanding account or balance with them. I 'm curious as to how this debt is validated as mine. Furthermore, I have never received a notification via phone or mail of them attempting to collect a debt from me. I also was not given a chance to dispute this debt. They have made no attempt whatsoever to try and contact me. this is in direct violation of the FCRA. No collection company should be able to take it upon themselves to just report on a consumers credit report. I want this debt validated that it belongs to me or deleted from all XXXX of my credit reports. I am also filing a complaint with the States Attorney 's office regarding this issue.