davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

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 2023-03-30
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  : {$880.00} XXXX XXXX XXXX  XXXX XXXX : - XXXX XXXXXXXX XXXX XXXX  XXXX XXXX : {$880.00}
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (CA)

I have tried to remove two repossessions from all of my credit reports. The first is with XXXX XXXX ; car reported stolen and insurance claim paid out Credit Acceptance which is reported as a repo but the account was settled in divorce court
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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. 

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 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 15 U.S.C . 1681 602 A. State Ii 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 his inaccurate.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CO)

I am a victim of identity theft. XXXX  XXXX XXXX XXXX  and XXXX  XXXX ( credit card ) has fraudulent accounts that are showing up on my credit report that should be removed immediately. There has also been numerous hard credit inquiries that I did not give consent for.
Consumer complaint received 2024-07-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC (NY)

US Bank will XXXX on XXXX XXXX XXXX in XXXXXXXX XXXX XXXXXXXX. I am on the title and deed. 

On XX/XX/year>, I spoke with XXXX ( US Bank ) and they have my contact information on file. 

XXXXXXXXUS Bank sent a check in the mail made out to XXXX XXXX, in XXXX XXXX of {$3000.00}. They sent this check to my address, after having cashed my check from my XXXX account for {$3000.00} to cover XXXX XXXX XXXX  mortgage debt. 

US Bank wrote that they are in the process of XXXX  on our house ( above ) for non payment of the mortgage loan by XXXX XXXX. 

US BankXXXX gave no explanation over the phone of the refund to XXXX XXXX XXXX They stated that they were " investigating '' why a check was sent to XXXX XXXX. 

US Bank stated that XXXX XXXX " may have a second mortgage ''. 

The mortgage on XXXX XXXX XXXX is in his name, not mine, the confirmed. 

XXXX XXXX must sign a quit claim deed or there are " not a lot of options '', they stated. 

The mortgage is not in my name. I am a third party. 

Please advise on whether US Bank can XXXX  on the house above and please advise the court of XXXX of this issue, as I have not been given the opportunity to defend myself in court in order to save the house from XXXX. 

Contact information is as follows : XXXX. XXXX XXXX Supreme Court 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
Consumer complaint received 2024-09-17
Product: Credit reporting 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. (FL)

I am urgently reaching out to inform you that I am a victim of identity theft, resulting in multiple unauthorized inquiries appearing on my credit report. These inquiries were made without my knowledge or consent, and I am requesting swift action to resolve this issue. 

Inquiries - 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 XXXX  I have filed an official identity theft report with the Federal Trade Commission XXXX FTC ) and am formally requesting the removal of these fraudulent inquiries to restore the accuracy of my credit report.
Consumer complaint received 2024-07-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: North Main Motors Inc. (OH)

XXXX XXXX XX/XX/year> TO WHOM IT MAY CONCERN, Thank you for taking the time to listen to my situation with the company that I feel was dishonest and unethical. 
I had put in a online application for a vehicle that was being sold at XXXX Main Motors in XXXX Ohio, They told me I needed a co-signer and {$3000.00} down payment in which I had no problem doing my mother was going to co-sign but I was told she couldn't do it because she lived in Florida. So the salesman knew my boyfriend so he says he can co-sign for me and I was okay with that, My mother put {$2.00} of the down payment on her credit card and I was paying the remaining balance in agreed payment plan and so I did, Well it's time to get tags because my 45 day temporary tag expired is when I find out they registered the vehicle in my boyfriends name, ( XXXX XXXX XXXX and now I'm at his mercy, he wouldn't get the tags until I agreed to the rules he had sat forth for me, he then began taking tires off so I could n't drive it and when I decided I was going leave the relationship and go to Florida to visit my ma because we just did lose my brother to XXXX well without my knowledge they had a tracker on the car and the dealership was telling XXXX my location and every move I made. So now I'm stuck without a vehicle unless I do as I'm told, lost a job because of the nonsense and the dealership is reporting it to credit bureau and I'm unable to purchase another vehicle, I feel like the dealership owes me back my down payment and all the payments I have made toward this vehicle because what they did was dishonest and unethical and my mother not I would have never paid a down payment for a vehicle to be registered to XXXX XXXX. I've done contacted the dealership and they're not willing to do anything about it every time I turn around the reports the payment is late cuz he is paying the payment late and I'm unable to do anything like visit my family unless I have permission from XXXX XXXX XXXX the car. 
XXXX has even went as far as filing police reports saying that I stole the vehicle when I have it and I'm not doing as I'm told to bring it back because I'm having lunch with my child or I'm doing something with my family he has filed these police reports with XXXX Police department. I just think North main XXXX needs to do what's right and refund all my money so I can go get me a vehicle and my name like this one was supposed to be.
Consumer complaint received 2024-09-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank of America withdrew payments from my personal checking account to pay previous landlords in XXXX XXXX XXXX XXXX XXXX XXXX. We notified the bank personally with letters and copies of their withdrawals. An earlier complaint in XXXX by XXXX XXXX my landlord has been filed, and the {$900.00} rent was reimbursed. However the bank also transferred money from my personal Bank of America checking account to pay my landlord XXXX XXXX {$2100.00} twice. Have contacted XXXX XXXX and he is watching the transaction and agrees it is fraudulent.
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

In XXXX I was scammed into investing with a real estate/entrepreneur money making scheme called the Will to Win method. This company is known as XXXX XXXX and enticed individuals to open credit card accounts to pay for their educational services. On XX/XX/XXXX the Federal Trade Commission issued Stipulated Order for Permanent Injunction and Monetary Judgement XXXX, IT IS ORDERED that the Corporate Defendants and Individual Defendants are permanently restrained and enjoined from advertising, marketing, distributing, promoting, offering for sale, or selling, or assisting in the advertising, marketing, distributing, promoting, offering for sale, or selling, of any Real Estate Coaching Program or any Business Coaching Program. The permanent injunction is attached. 

XXXX XXXX assisted and enticed me to open this account and charged me for their services which were deemed fraudulent by the Federal Trade Commission. I've attempted to contact to resolve this issue with Bank of America with no assistance from them. Countless hours have been spent trying to remediate the fraudulent charges but they do not agree. This has severely affected my Credit Score. 

I request Bank of America dissolve all charges that were charged to me for services I never received from XXXX XXXX and were deemed fraudulent by the Federal Trade Commission. 

Bank of America previously made the statements in their initial responses that " You received benefit from this transaction " which is a false statement. I never received any benefits from the " XXXX Services '' charges in any form. The company XXXX XXXX was shutdown by the Federal Trade Commission. 

In total I was charged approximately {$60000.00} spanning multiple credit cards which were opened by a 3rd party company and charged. In XXXX of XXXX I received a settlement check for approximately {$4500.00} which is no where near the amount I was charged. I'm requesting Bank of America to file a claim against XXXX XXXX and it's defendants through the Federal Trade Commission and dissolve me from these fraudulent charges and update the changes to every credit reporting agency.
Consumer complaint received 2024-09-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Better Mortgage, Inc. (WI)

BetterXXXX engages in deceptive practices in the intake process for new mortgage applications. 

1 ) In its initial prompt, BetterXXXX states that it will perform a " soft credit check that won't affect [ borrower 's ] score ''. 
2 ) However the application process does not proceed further, as BetterXXXX states " We had difficulty checking [ borrower 's ] credit ''. 
3 ) One suggested solution is for a borrower to " unlock '' any security freeze at XXXX. 

Items 1 ) and 3 ) are self-contradicting, because a lender can pull a soft credit check without requiring unfreezing of credit. In fact, another prospective lender performed a soft pull on the credit report of the undersigned on XXXX XX/XX/year>, even though the undersigned has frozen his credit report at each of the three credit bureaus. For BetterXXXX to request unfreezing of credit freeze while promising to do " soft credit check '' is thus highly deceptive, and is a practice that could easily trick and harm another prospective borrower.
Consumer complaint received 2024-09-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Better Mortgage, Inc. (OR)

They are delaying my closing by not transferring my appraisal to another lender. They could not qualify me but the other lender did. They are holding my ability to close the loan XXXX by saying it takes up to XXXX business to transfer the appraisal. 

I was informed that it takes XXXX business days to do a simple appraisal transfer. They are putting me in jeopardy of being in breach of his contract.
Consumer complaint received 2024-09-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Better Mortgage, Inc. (CO)

XX/XX/year>. Applying for the HELOC. The lender needed a card on file to lock in the rate. They charged my account XXXX times at {$750.00}. With other checks clearing my account that day, it caused me to overdraft. The lender said there is nothing they can do about it. I disputed the charges with my bank, but it will take 5 to 10 business days. I am overdrawn and no money to pay bills until it clears. I also now have late fees and overdraft fees on top of it. The lender refuses to return the money. I have not signed the disclosure forms yet and want to take my business elsewhere.
Consumer complaint received 2024-08-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: GREENSKY OPERATIONS, LLC (CT)

I applied for a XXXX XXXX XXXX XXXX as an advertisement was of interest to me. The advertisement indicated that installment loans of up to {$55000.00} were available to eligible customers with terms as low as 66 monthly payments at a rate as low as 7.42 %. I was approved for {$55000.00} and decision and final loan agreement came in the mail indicating that congratulations were in order - I was approved for {$55000.00} with a rate of 12.86 % over XXXX  months. My score report indicated my score came back as an XXXX. I inquired as to what would have been necessary to obtain a better credit decision. If my XXXX score and income coverage isn't sufficient... essentially whose is? The XXXX XXXX 's outsourced lender XXXX was not able to provide any information. In response to my inquiry, they simply told me that the decision was final. This is purely a predatory lending practice in as XXXX and XXXX  as I've ever seen. The immense cliff with which their rates are structured and the predatory nature of flaunting eligibility of up to {$55000.00} with rates as low as 7.42 % when it's fundamentally impossible to obtain both is egregious to me. I don't plan on using this card lest any measurable financial losses take place, however I will be set back partly by having a hard inquiry on my report now. 

Thank you for your help in looking into this.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2023-08-01
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. (MA)

I am resubmitting this complaint as a follow-up to my previous communication to the XXXX, Equifax, and XXXX XXXX XXXX the identity theft incident I experienced. According to FCRA section 605b, XXXX XXXX XXXX are obligated to remove and block any unauthorized inquiries listed on an identity theft report. Once again, I have attached the necessary documents to support the blocking and removal of the inaccurate information that has been posted on my report. Below is a list of inquiries that are not associated with me or were opened without my authorization : XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX IN XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Again, according to FCRA Section 605B ( a ) the XXXX XXXX XXXX shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-12-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Golden Title Loans LLC (TN)

On XX/XX/19, 745-Cash assessed charges to my checking account that the loan was not associated with, it was associated with a different checking account from an entirely different bank. There were 2 charges assessed, the first charge was in the amount of {$420.00} and the second amount was for {$30.00}. 

Leading up to this I got on a payment plan and made the first payment with my XXXX XXXX XXXX account, the payday loan was written from my XXXX XXXX account. They went in and debited the entire payday loan amount from my XXXX XXXX XXXX account even though they had no paperwork authorizing them to do that. I asked them to reverse the charges and they refused even though they took the money fraudulently. 

After refusing to refund the non-authorized charges, I had to go into XXXX XXXX XXXX and file the paperwork for the fraudulent charges to have them removed, resulting in a {$50.00} charge from my bank.