davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-21
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)

This is not the first time complaining and they are ignoring my request.. I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX and after few days without any chance to verify ( validation period ) my records ( 30 days to ask for verification ) or according to the FDCPA, XXXX XXXX XXXX placed the account XXXX in my credit report in a clear violation of the law. 
Previously contacted XXXX via CFPB to obtain copy of any CONTRACT or ORIGINAL DOCUMENTS to validate any debt but the answer was they try to contact me in a old address which has not been a verified address without any success but now they decide to validate by themself. 

The report show inaccurate and not validated information because during the time they are indicating to the credit bureau, i was not living at the address so how XXXX could open an account and charge every month using my identity and social security. 
See residency letter from shelter during the period open and charge under my name. 

EXPERIAN shows day account open XXXX and XXXX XXXX ( inaccuracy open dates ) EXPERIAN shows as closed account vs XXXX shows as Open account. ( inaccuate status ) XXXX XXXX reported amount XXXX EXPERIAN and XXXX XXXX ( Inaccuarte balance ). 

The address attached to the account has been a cause a few fraudulent credit account open using my identity. 

This information is submited by XXXX XXXX XXXX TO EXPERIAN AND XXXX  WIHOUT ANY VALIDATION OR VERIFICATION. 

During that time frame and before I was living in a shelter so the dates obviously are incorrect XX/XX/XXXX until XX/XX/XXXX, previous that address I was living in a hotel room for 6 month since XX/XX/XXXX and previous to the hotel room my addres was in zip code XXXX in the XXXX since XX/XX/XXXX until XX/XX/XXXX ( 1 year ) the amount is wrong and somebody used my information to open the account.. XXXX XXXX XXXX violate the 30 days period and the Credit Bureau EXPERIAN AND XXXX  allow them to post false, Inaccurate and not valid information without any support. 
XXXX XXXX XXXX break the FDCPA 809 section by posting information without validation in the frame time of 30 days according to the law. 

EXPERIAN AND XXXX is in violation of the FCRA by allowing XXXX XXXX XXXX posting inaccurate, false, not valid information hurting my credit report.
Consumer complaint received 2018-10-24
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: EQUIFAX, INC. (TX)

Equifax allowed Fraudulent credit accounts to be opened in my name without authorization and these accounts were opened online, only after my wallet was stolen. Not only did the thief 's forward my address but they also hacked my email address and used my information for their own gain. I submitted an FTC Law Enforcement Identity Theft affidavit to Equifax 2 months ago clearly stating the crime. Equifax blocked the fraudulent account 's due to the FCRA 605 ( B ) Law that requires accounts that have been created or established as a result of identity theft be blocked. Equifax later recsidended the block on some of these accounts without providing any documentation. These accounts are still fraudulent and I did not receive any information from these instituions on these accounts and I have attempted to contact them over 6 times now. First of all the two Accounts for XXXX XXXX XXXX XXXX XXXX which include a Line of Credit and an Auto Loan, are Fraudulent. I did not authorize these accounts, these were not signed by me and I never signed any information on these accounts. I do not have access to these accounts and Equifax has been notified as these accounts were listed on my FTC affidavit. Additionally, Without providing any clear explicit information, I did not authorize Equifax to rescend any blocks these accounts are still identity theft and I was never provided with any documentation on these accounts from Equifax no XXXX XXXX. Please follow the FCRA 605 ( B ) Law as I have clearly and precisely described the crime, and provided documentation. In addition the XXXX XXXX Credit Card is also fraudulent which was also listed on the Affidavit. You rescidend the block on this too without providing any information, documentation or even advising me of this.
Consumer complaint received 2018-10-21
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)

This is not the first time complaining and they are ignoring my request.. I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX and after few days without any chance to verify ( validation period ) my records ( 30 days to ask for verification ) or according to the FDCPA, XXXX XXXX XXXX placed the account XXXX in my credit report in a clear violation of the law. 
Previously contacted XXXX  via CFPB to obtain copy of any CONTRACT or ORIGINAL DOCUMENTS to validate any debt but the answer was they try to contact me in a old address which has not been a verified address without any success but now they decide to validate by themself. 

The report show inaccurate and not validated information because during the time they are indicating to the credit bureau, i was not living at the address so how XXXX could open an account and charge every month using my identity and social security. 
See residency letter from shelter during the period open and charge under my name. 

XXXX shows day account open XXXX and EQUIFAX XXXX ( inaccuracy open dates ) XXXX shows as closed account vs EQUIFAX shows as Open account. ( inaccuate status ) XXXX XXXX reported amount XXXX XXXX and EQUIFAX XXXX ( Inaccuarte balance ). 

The address attached to the account has been a cause a few fraudulent credit account open using my identity. 

This information is submited by XXXX XXXX XXXX TO XXXX AND EQUIFAX WIHOUT ANY VALIDATION OR VERIFICATION. 

During that time frame and before I was living in a shelter so the dates obviously are incorrect XX/XX/XXXX until XX/XX/XXXX, previous that address I was living in a hotel room for 6 month since XX/XX/XXXX and previous to the hotel room my addres was in zip code XXXX in the XXXX since XX/XX/XXXX until XX/XX/XXXX ( 1 year ) the amount is wrong and somebody used my information to open the account.. XXXX XXXX XXXX violate the 30 days period and the Credit Bureau XXXX AND EQUIFAX allow them to post false, Inaccurate and not valid information without any support. 
XXXX XXXX XXXX break the FDCPA 809 section by posting information without validation in the frame time of 30 days according to the law. 

XXXX AND EQUIFAX is in violation of the FCRA by allowing XXXX XXXX XXXX posting inaccurate, false, not valid information hurting my credit report.
Consumer complaint received 2018-10-24
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. (NY)

XXXX XXXX agreed to remove a hard pull Inquiry from XX/XX/2018. They said they would remove from my credit file as I never requested any additional cards or signed any documents asking them to pull my account.
Consumer complaint received 2018-10-24
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. (CA)

I am writing this complaint because XXXX 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 & can not verify verify these accounts, under section 611 ( 5 ) ( A  ) of the FCRA they are required to ... .Promptly delete all information which can not be verified that I have disputed. 

As I understand, Federal reporting laws. especially the Metro 2 data formatted reporting regulations enacted as a results of the XXXX, requires that all information be certificated compliant as well as full true, correct, complete & timely proven mine. It was clearly that the same laws dictate that no entity, including a consumer credit reporting such as yourself can excuse itself from the mandates nor liabilities should that entity become deficient in that compliance. I am enacting my consumer rights to have only 100 percent accurate, timely & verifiable METRO 2 compliant information be reporting on my credit. I do NOT authorize any derogatory. RETAIN or return to requisite METRO 2 compliance reporting now by annulment of all non compliant information as mandated by law. Please resolve this matter as quickly as possible. I appreciate your time and consideration.
Consumer complaint received 2018-10-22
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 — Investigation took more than 30 days
Company: BARCLAYS BANK DELAWARE (CA)

Dear CFPB : I am writing to you because I have exhausted my options. I did not owe anything to this credit card company, they were charging for the annual membership fee and because they were sending the invoices to the wrong address, they put me down as being late. 

Below is the letter I sent to XXXX XXXX XXXX from Barclays Bank Delaware she works in the office of the president. 

I am requesting that negative information supplied to the credit reporting bureau be removed. 

Background, I opened a credit card account with XXXX Bank in XX/XX/XXXX. The credit card has a high limit of {$10000.00}. However, I have not used the card or carried any balance in over 2 years. 

Barclays was trying to collect an annual membership fee of {$89.00} from me and apparently was sending the information via email to my ex-wife. 

XXXX was sending the bills to XXXX XXXX XXXX XXXX XXXX, CA XXXX and the email address was XXXX. Both the address and the email address belong to my ex-wife. I had sent a letter back in XX/XX/XXXX letting XXXX XXXX to update my contact information. 

I have not lived at the XXXX XXXX XXXX XXXX XXXX CA XXXX address since XX/XX/XXXX. My address is XXXX XXXX XXXX XXXX XXXX Ca XXXX and my email address is XXXX I had no idea that XXXX was trying to collect an annual membership fee of {$89.00} since all the contact information that XXXX had was not correct. 

I only became aware of the negative information because I subscribes to XXXX XXXX which sent me notification that XXXX was reporting negative information. 

As soon as I found out about this issue I called XXXX paid the {$89.00} and updated XXXX with the correct home address and email address. 

Prior to Barkleys reporting the negative information of a 30 day late in XX/XX/XXXX and a 60 day late in XX/XX/XXXX my fico scores ranged from XXXX XXXX. Because of the negative information my current fico score rage is between XXXX XXXX a drop of XXXX points. Up until this point, I had no negative reporting. 

I'm in the process of refinancing one of my properties but can not do so because of this negative and incorrect information. 

Please be aware that your direct actions is impeding my ability to refinance my property which will cost me hundreds of thousands of dollars in higher interest rates over the lifetime of his loan. 
Please update the credit bureau to show no late payments.
Consumer complaint received 2019-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

Although my credit report correctly reflects payments made on time for each month within my credit file, Experian continues to report a negative payment status of account was 30 days past due two times and negative worst delinquency of 30 days past due for XXXX XXXX XXXX Acct # : # XXXX. I am not sure if Experian has somehow merged my information with someone with a similar name or birthdate that also happens to have an account with XXXX XXXX XXXX, but the negative status and worst delinquency information that continue to be reported by Experian are erroneous and damaging to my credit scores. When this account was open, payments were always made on time. This account has never been paid late and I have requested on multiple occasions ( in writing ) that  Experian make the necessary corrections to their records, with no resolution. This erroneously negative information has caused far-reaching consequences to my credit scores as it pertains to credit that has been extended to me or oftentimes denied.
Consumer complaint received 2018-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (WA)

On XX/XX/2018 I took a mortgage in the amount of {$660000.00} to buy a house in XXXX. The mortgage has been serviced by AmeriHome Mortgage, with loan number XXXX. 

On XX/XX/2018 I made a special payment ( in addition to the regular monthly payment ) of {$38000.00}. 

My intention and understanding when making that payment was to apply the entire amount toward principal reduction. 

I later found out that instead of used for principal reduction, AmeriHome processed it as nine monthly payments. That meant that the principal amount of those payments was applied immediately ; the escrow amount was added to the escrow account ; and the interest amount ( which is most of that amount ) was held by AmeriHome.

Even though it processed it as nine monthly payments, AmeriHome continued to draft the monthly payments from my bank accounts. 

That raises the question : what happens to the interest portion of the payment I made? I do not want AmeriHome to hold these funds ( apparently indefinitely since they kept drafting the monthly payments ) while I earn no interest on them. 

I contacted AmeriHome and repeatedly asked what happens with those funds, but never got a clear answer ( see attached correspondence ). 

In addition, on XX/XX/2018 XXXX XXXX XXXX, a AmeriHome representative, wrote to me in response to my inquiries that " If there are any additional funds in your escrow account when it is analyzed, a surplus check will be released and mailed to you. '' However, on XX/XX/2018 a county tax disbursement was made from the escrow account in the amount of {$2400.00}, leaving a balance of {$11000.00} in the escrow account ; however no surplus check was released to me. 

After some back and forth, on XX/XX/2018, I requested that the payment be reversed and applied to principal ; this is exact language of my request : " On XX/XX/2018 I made an online payment of {$38000.00}. 
Of that amount, {$7900.00} was applied to principal, {$22000.00} to interest, and {$7400.00} to escrow. 
I would like the entire amount to go towards principal therefore, can you please apply additional {$30000.00} ( this is the combined amount applied towards interest and escrow ) to principal, effective XX/XX/2018. '' On XX/XX/2018 I received a reply from XXXX XXXX, an AmeriHome representative, saying : " Please be advised that we have submitted a request to have these funds reversed and applied to your principal per your request. Please allow 3-4 business days for this adjustment to be completed. '' That never happened. 

On XX/XX/2018 I contacted AmeriHome again to ask why my request was not processed as promised ; I received no explanation, except stating that my payment was applied as nine monthly payments ; and that for further questions I should contact XXXX  XXXX XXXX. 

I request that this issue be taken care of before transferring loan servicing to XXXX XXXXXXXX XXXX.
Consumer complaint received 2023-10-16
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXT Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  AS Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-10-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL (NE)

I signed up for PayPal Credit and was approved for a {$3500.00} line of credit. I attempted to use this line of credit and was denied on every attempt. I called and submitted additional identity verification and was told everything would now work fine, it again did not work.
Consumer complaint received 2018-10-24
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: Conn's, Inc. (TX)

My information was used to open a fraud account with Conns Credit Corp. for the amount of {$1400.00}. I submitted a police report, FTC report for Conns Credit and XXXX. I have been disputing this since XX/XX/2018. XXXX and XXXX   have deleted this claim with all of my proof but XXXX is not cooperating. Please see attachment to support my claim.
Consumer complaint received 2019-03-26
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: EQUIFAX, INC. (GA)

I took at look at my credit report and someone ran my credit trying to get a home in my name. I never authorized this and had no purpose to get my credit for a home. I tried calling customer service department and disputing these inquiries and I wasnt able to get helped.
Consumer complaint received 2018-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (PA)

I have no dental insurance so my dentist suggested that I get care credit through XXXX XXXX I was told that it was six months interest free but then I got slammed with charges right away for any bills under XXXX I was not aware of these terms then after the six months I was slammed with so much interest Im not able to pay off the actual loan I tried to contact the company and they told me I didnt know what I was talking about I feel like Im being scammed. I need something done about this company.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was told by Capital One this was updated on XX/XX/XXXX and XXXX is not updating it.. 
Please have XXXX update it!! Its XXXX not XXXX, makes a big difference with credit scores! I would like to take advantage of better scores and rates. I was turned down by a Credit Bureau for a Refinance and am needing to try again!! 


CAPITAL ONE Credit usage 34 % Balance {$1300.00} Balance updated XX/XX/2023 Credit limit {$4000.00} It's normal for the credit card balance you see on your credit report to be different than the one on your credit card statement. Since credit card companies typically only report your balance to credit bureaus once a month, recent payments and purchases may not show up until your credit report refreshes.
Consumer complaint received 2018-10-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

Company erroneously closed my online account without cause or explanation. Company refuses to allow communication with the department which made the decision. During a phone conversation with a XXXX customer service agent on XX/XX/2018 only confirmed that XXXX will never allow me to use the online feature of their money transfer service. Agent told me : " Sir, all I can tell you is that you are never going to be allowed to use XXXX online and there is nothing you can do about it. '' It was at this moment that I asked to be transferred to the " security department '' that apparently made the decision to close my account. Agent told me : " No, and I'm telling you that no matter who you talk to, no one is going to listen to you beg about getting your account back. You are welcome to go in person to a XXXX. '' I asked : " Can I speak to your supervisor please? '' Agent responded : " He or she is just gon na tell you the same thing I just told you. You are NEVER getting your online account back and there is NOTHING you or anyone can do. '' The agent immediately hung up on me.
Consumer complaint received 2023-10-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Finance Company, LLC (OH)

I'm not liable for the debt with XXXXXXXX XXXX XXXX I didn't enter any contract and I did not sign any paperwork with this company stating that I would pay them or owe them any money. Furthermore, this company has violated my consumer rights by not providing the requested original contract with my signature signed by me within in the time frame set by FCRA. I contacted the original company XX/XX/2023 and declared that this account stolenand reported unauthorized transactions had occurred with account. As a result, XXXX XXXX XXXX also violated my consumer rights by keeping the account open then knowingly sold verified identity theft debt to this company.