davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-22
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. (GA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX
Consumer complaint received 2020-05-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (OR)

On XX/XX/20 I called the XXXX apartment complex to ask them to verify that they had mailed my final account to me, as I had never received it. The XXXX refused to give me evidence of the day and address that they had sent the final account to. Later on XX/XX/20 I attempted to contact IQ data international, and they insisted that The Vue did not have to prove that they had sent me a final account, nor did they have to send me a final account t before sending the debt to collections. I disagreed, stating that The XXXX  was legally obligated to send a final account and to prove to me that they had. This is when the man from IQ Data International started shouting at me, saying that I did not know what I was talking about, and that I had better pay my debt, or my credit report would be affected, and that The XXXX was not obligated to inform me about my final account at all. I feel I was treated wrongly and that the way this matter was handled is very illegal.
Consumer complaint received 2020-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Experian did not properly investigate my credit disputes. I sent them all the required documentation, see documents that I sent to them attached. The letter they sent out to me requested all the same information that I had emailed them with my request. The packet that I uploaded here is exactly what I sent to them. They are requesting duplicate information.
Consumer complaint received 2020-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was shocked when I reviewed my credit report and found late payment on my credit report. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my third complaint, regarding this issue. A consumer Ligation attorney has advised me create this paper trail between myself and the XXXX XXXX. The response letter you sent shows you wholly responsible for not reporting my account accurately to the Credit Bureaus. If you do not fix this issue, My next step will be litigation. I opened a Car Loan account with XXXX XXXX XXXX in XX/XX/XXXX. I have made on time payments since then, see documents attached. I notice on XX/XX/XXXX that XXXX had completely taken off the account from my Transunion Credit Report, i have spent the last 3 weeks trying to resolve this issue with XXXX. This has impacted my credit score. I need this XXXX to report this account to Transunion, XXXX  and XXXX.
Consumer complaint received 2020-05-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC (SC)

I was granted a loan extension for XX/XX/2020 and XX/XX/2020 due to the Corona Virus, which meant my next payment was due XX/XX/2020, said payment was made on time and Global Lending customer service employees continue calling advising that I my account is not current and my account is current. 
The extension was granted XX/XX/2020 which covered XX/XX/2020 and XX/XX/2020. 
Letter attached dated XX/XX/2020 from Global Lending confirming the extension was granted.
Consumer complaint received 2020-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (MA)

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-05-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Credence Resource Management, LLC (MI)

I am disputing inacurrate information on my credit report and I submitted 3 disputes to XXXX. I do not believe that my legal right to dispute by mail was handled properly. I was sent a letter that said my dispute was suspicious. How is a dispute about inaccurate information that has my ssn on it suspicious? The letter also said it would not investigate anymore of my disputes that look suspicious. There is nothing about my dispute that was suspicious and I was requested to call or dispite on lineand I don't want to do that. 

The accounts I disputed was : Credence Resource Management- XXXX- I don't owe these people XXXX XXXX XXXX- I don't owe these people XXXX XXXX XXXX- Inaccurate payment history
Consumer complaint received 2018-10-10
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

From : XXXX XXXX Sent : Wednesday, XX/XX/2018 XXXX XXXX To : XXXX ' XXXX Cc : XXXX ' XXXX ; XXXX XXXX XXXX Subject : RE : VA Case # XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX, XXXX Hello XXXX, What kind of education does it take to  earn the title of Senior Feds Specialist? Is that another title that Quicken made up? I assume by you making this request you are a licensed loan officer which also means youre out of compliance and have violated Federal and State licensing requirements by sending this email without your NMLS ID in your signature. If youre not licensed then someone over there should be pretending to work for The Feds department as if youre a representative from the  Federal government is a violation of a multitude of lending laws. As if that werent enough the bait and switch tactic you all have been using to poach clients from other lenders by sending out unrealistic terms on your Loan Estimates is about to come to an end. This particular client that youve just requested a case transfer from has a signed application with XXXX XXXX and Quicken has yet to provide a true and honest GFE to this borrower so that he can compare rates/costs and hes being misled by the Loan officer or whoever is handling his loan. Lastly Quicken Loans already sent an appraiser to this borrowers house and has a completed appraisal without obtaining the VA Case Transfer prior to that fact. Its hard to see anything honest about the business practices over there. Ill make sure to raise this issue with the CFPB and the NMLS. Enjoy your day. 


Regards, XXXX XXXX Loan Officer XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ( Direct Line ) ( XXXX ) XXXX ( Fax ) XXXX NMLS # XXXX - Originating Loans in AL, AZ ( XXXX ), CA, DC, FL ( XXXX ), KS ( XXXX ), NC, OR, OK, WA XXXX and WI. 
Company NMLS # XXXX From : XXXX, XXXX XXXX On Behalf Of VA Case Transfers Sent : Wednesday, XX/XX/2018 XXXX XXXX  To : XXXX XXXX XXXX Cc : VA Case Transfers XXXX Subject : VA Case # XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX, XXXX Hello, Please transfer the above referenced case number into Quicken Loans name. The required information for the transfer is below. In addition, the Veterans signed transfer letter is attached. 

1. Lender ID -- XXXX 2. Sponsor ID if applicable None needed ( we are LAPP Approved ) 3. Email address of the new SAR attached to the case - XXXX 4. The name of the individual who is the new lenders point of contact. XXXX XXXX 5. The phone number of the individual who is the new lenders point of contact. ( XXXX ) XXXX 6.  The email address of the individual who is the new lenders point of contact. - XXXX **Please also confirm if the appraiser has been paid** If you could so kindly respond to this email letting us know when this request has been completed it will be greatly appreciated. 

Thank you in advance and have a great day! 

Best Regards, XXXX XXXX | Sr. Feds Specialist - The  XXXX XXXX : ( XXXX ) XXXX | Toll Free : ( XXXX ) XXXX XXXX Fax : ( XXXX ) XXXX
Consumer complaint received 2020-05-15
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. (TX)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX/XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX, XXXX, XXXX
Consumer complaint received 2020-05-16
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. (TX)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX/XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX, XXXX, XXXX
Consumer complaint received 2018-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

Account was settled and closed from Santander Consumer. however, XXXX is refusing to remove it from my credit report nor Santander Consumer is unable to locate my account ... additionally, Santander Consumer lost to class action lawsuit and agree to remove any negative credit report from consumer who was effected.
Consumer complaint received 2018-10-11
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Bronstein & Weiss Arbitration (TX)

Bronstein and Weiss has been calling has been harassing me on an old payday loan, threatened me saying Im being sued for fraud and calling friends and family memebers telling them I have a criminal complaint against me and that I will be served papers, alarming my friends and family. Trying to embarrass and shame me.
Consumer complaint received 2020-05-15
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-05-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I contacted the XXXX on XX/XX/2020 by certified letter. I requested that they remove some fraudulent inquires from my report. I advised them that by law they must remove and block this information from my credit report within 5 days..
Consumer complaint received 2018-10-11
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: Nelnet, Inc. (IL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), all credit reporting agencies are required by federal law to verify the physical verification of the original signed consumer contract for any and all accounts posted on my credit report. I requested to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) via mail on XX/XX/XXXX. No Verifiable Proof was provided. Nelnet sent a letter saying they can not change the account, and it is now XX/XX/XXXX. Their failure to positively verify these accounts has hurt my credit tremendously.
Consumer complaint received 2018-10-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Collections West, Inc. (AZ)

I had a XXXX salesman named XXXX come to my home in 2012. We settled on {$1200.00} for the XXXX {$62.00} a month, I planed to pay {$120.00} to pay it off faster. I revived a bill two days later for {$4100.00} XXXX! I was shocked. I called right away. Said I wanted to contact my salesman. They said he no longer worked there. I said I wanted to cancel, they said no. I couldn't because he was no longer employed and it had to be through him. I said I cancel and they needed to pick it up. They refused. I did not have a contract at all. The sale man had said he would be back to get my trade in and final contract. He never returned. I still have my old vacuum shown on their " contract '' as my trade in. I had asked several times to see a contract since I didn't have one. They sent one that had a list price of {$2400.00}, not {$1200.00} as decided. The salesman had left several packs of new contracts at my home. Which I still have. I signed the cancel from one of those contractfs and faxed to them with the number they had on their answering machine. Trying to find that old fax machine to see if I can get proof of transmison. I called them at day 19 informing them that per their own contract if they did not pick up the vacuum up I can retain or dispose without further obligation because I canceled. This is wrong. Now I have been served for this debt. I will gladly pay the {$1200.00} or give the unused vacuum back. Pieces still in plastic with a never used bag. But I should not have to give it back, they had 20 days to get it per their own " contract ". I did track down the salesman, but he says he can not remember any specifics to my sale. This is not a proper way to conduct business.
Consumer complaint received 2020-06-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I need a clarification regarding an international wire transfer I requested on XX/XX/XXXX. In that opportunity I asked, via web, to wire to another account I have in XXXX, an amount of XXXX US . Bank of America collected XXXX $ as fee for the operation and warned that the bank receiving the money might charge XXXX US $ for concept of fees. 

It just happen that the bank in XXXX claims that they only received US {$9900.00} instead of the {$10000.00}, and then they have charged me with 0.6 % fees. I am attaching the swift of the operation for your review. I need from you, information regarding the amount highlighted in yellow, where this money was taken? In US? Is it at Bank of America cloud? If  that is the case, please ask for its devolution to my account in Bank of America. 

I really appreciate clarification of the operation. 

Here I am attaching the swift provided by the bank in XXXX XXXX : { 1 : XXXX } { XXXX : XXXX } { 3 : { XXXX } { XXXX } { XXXX } } { 4 : XXXX XXXX : CRED XXXX, XXXX : XXXX, XXXX : XXXX RRR MMMMMMM YYYYYY PPPPP RRR XXXX TX XXXX US XXXX : XXXX XXXX : XXXX XXXX MMMMMM XXXX XXXX, LLL CCCCCC XXXX XXXX CL XXXX : XXXX POP Family Sup port XXXX : SHA XXXX : XXXX, XXXX : XXXX, - } { XXXX : { XXXX } { XXXX } } { S : { SAC : } { COP : XXXX } }
Consumer complaint received 2020-05-24
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. (FL)

I have sent ( 2 ) two letters to Experian, ( one of the credit bureaus ), after the first letter Experian responded by telling me that they have no credit history of me on file?? Experian stated that I need to send them proof of who I am so that they can proceed with my disputes, they needed a copy of my driver 's license and a utility bill or bank statement with proof of address, to which I did respond to their request. I blacked out my bank account number, but it showed proof of my address and I blocked the signature on my driver 's license to which they did not need ... .. they responded by stating " We were unable to honor your recent request because you did not provide sufficient identification information for us to verify your identity or the information that you provided was not legible '' LOL So I am going to reply with another letter with proof that it is me and also send a complaint to see if that is going to do anything. Thank You