davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX , NY   XXXX   DELINQU ENT REPORT ON MY CREDIT REPORT : LOAN # :  XXXX  My credit history has been greatly damaged by a business loan I took in  XXXX  for a    XXXX   XXXX   i n  XXXX , IL (   XXXX    #  XXXX  ). This loan was granted by  XXXX   XXXX   XXXX  in New York through their agent,  XXXX   XXXX   XXXX   XXXX  before it was acquired by  XXXX   XXXX   XXXX   XXXX , New York (  XXXX  #  XXXX  ).     In  XXXX , my loan officer,  XXXX   XXXX   XXXX , assured me that it would be treated as a business loan and not reported to credit agencies since my   XXXX   XXXX   was used as collateral. In  XXXX , balloon notice came and I requested for refinancing and modification of the loan,  XXXX   XXXX  agreed to work out the details of refinancing and modification. During this process, I kept making timely payments and never defaulted.      XXXX   XXXX  started reporting it to the credit bureaus as a delinquent loan while still collecting payment and working on the process of finalizing refinancing and modification terms and agreement ; it also failed to report m y 3-year his tory of timely payment to the credit agencies. Also, it is noted on my credit report that I had missed payments when in fact I had maintaine d 100  % record of timely payment. I wrote letters to  XXXX   XXXX  requesting that it should stop reporting this loan as delinquent because it was hurting my credit history and the loan office,  XXXX   XXXX , wrote back to me assuring that it would be taken care of once after the loan was refinanced and approved.     In  XXXX , this loan was approved by  XXXX   XXXX  and  Im  still making on-time payments on this loan as agreed. I wrote back to  XXXX   XXXX  requesting that it should help me expunge those delinquent records from my credit history and my requests were denied by the l oan officer. I con tacted credit bureaus and they told me that it was up to  XXXX   XXXX  to either demand for expungemnt or accept no contest in order for them to accept my request to delete those records from my credit history.     This reporting has severely impacted my credit history and made it impossible to get any loan. This has made impossible for me to get a car loan for change of equipment which is due at the end of this month.     Please I would appreciate if you could help me in resolving this case. I have all the necessary paperwork for your perusal.     Sincerely,  XXXX   XXXX  Ph: XXXX    Fax: XXXX      XXXX
Consumer complaint received 2023-05-25
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. (IL)

fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-04-29
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: SANTANDER HOLDINGS USA, INC. (FL)

My car was towed and damaged so they say when I was able to pay and still operate my vehicle police didn't help but only damaged the situation more being racist and too manly. Destroyed my car didn't help with proper commute without asking for money after spending my earned income to keep my vehicle. 
My key was missing and it was so easy to repair anyone could've had my car with as little milage it had. For it to still be on my background without proper judgement by state officer pining the fact that if I was some one of violence and disturbing to the area instead of taking the action off with little to no penalty.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

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 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 2023-11-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO Bank, N.A. (NE)

My wife and I have a joint checking account with formerly Bank Of The West now BMO. We were in process of closing this account, but had to have BMO/Bank Of The West stop auto debit loan payments. We were advised by BMO that our loan payments would be stopped on auto debit and able to be moved to our new checking account at another bank. BMO advised us that this process could take months due to a merger. We are now at the XXXX month mark and auto payments are still happening. Because our direct deposits are going into a new bank and not BMO, we are being assessed a checking account service fee. We can not close this account and avoid this fee because BMO will not change these loan payments to come out of our new account. We have made several call attempts to have this done and have been advised it will be done and yet it is still not completed. The service charges are deceptive by nature, we feel that BMO is dragging this process out to get these service fees and avoiding allowing us to move banks.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

On XX/XX/2023, there were several fraud charges made on my Bank of America credit card which I never made. The charges which made on that day. Bank of America never notified me regarding these fraud charges and said that the card was used so I am liable to pay them {$1600.00}. 
The fraud dispute team also charged me {$30.00} twice for fraud dispute. I would like these fraud charges of {$1600.00} taken out of my credit card balance because these are fraud charges which I never made. I am not responsible for these charges.
Consumer complaint received 2024-04-29
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: GOLDMAN SACHS BANK USA (NY)

On XX/XX/XXXX of this year, I used my Apple Card on the XXXX XXXX website to pay my phone bill. I paid {$230.00} using that card and it went through no issue. The problem is that for whatever reason, Apple Card is showing the card being charged twice, and this has my card over the credit limit. I asked them what was going on, because there is one confirmed charge of {$230.00} and another charge that is pending for that same amount. I was told I needed to wait about XXXX days for the charge to fall off well that came and went. So I contacted them again, and now they are telling me there is no way they can remove that, and I may have to wait two whole billing cycles until it goes away! So now I have to be without use of my main credit card potentially three months?! I find it incredibly unfair. Their agent told me to double check with XXXX about them not double charging me, but XXXX confirmed they only charged me once.
Consumer complaint received 2023-11-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Franklin Credit Management Corporation (CA)

This is my second mortgage I have had it since I bought the property its only for the property during the pandemic I lost my job I did make as many payments as I could I applied for hamp program but they denied stating it was a heloc though it technically was taken out to purchase my property as we did not qualify for the home with only one loan. ( predatory lending ) anyway we were advised by the state to ask for a modification or a repayment or deferment over the course of a year. I tried to make payments the servicer said the lender would only accept the entire past due amount I am a XXXX XXXX  who cant lose their home I just want them to work with me they advertise repayment plans and help but when you ask they say no, all or none I am getting letters to foreclose please help
Consumer complaint received 2023-11-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (CA)

I signed up with the company Square XXXX  for my existing business. I processed a transaction for a customer and sent her a receipt from the app. After I confirmed the payment and initiated a transfer of the funds to my banking ; I began the job and purchased the materials. XXXX days later I received a notification for square up saying they needed more information about me and the transaction ( my passport, the customers info invoices, bank statements, etc ) a total of XXXX items. The next they were not satisfied and wanted more clarification which I did. I told them the customer is XXXX XXXX XXXX and doesnt have an email I can only give her phone number and address and they can reach out to her. The next day I received a notification that without an explanation or any way to dispute or contact the company they are withholding my funds for XXXX days. I looked up the contact number it shows on the website and the number hung up on me after XXXX attempts. I then downloaded a voip app so it could call from a different number and got through to someone on the sales team who said she would transfer me over to support. I spoke to someone and explained then he said he would need to transfer me to a supervisor. After explain to the supervisor he asked did you receive the email saying your account is suspended i said yes thats why Im calling. Then he said I must disengage from call you have to email then hung up. The email that it is sent from is a do not reply email. There is NO way to get ahold of some one and they can just keep my money. I am out {$3000.00} for paying for the customers materials and paying the subcontractors and the customers work is almost done. I read online that this company has done this to many contractors and they withhold their money and possibly profit off it buy keeping in their own company high yield savings. Something needs to be done about them
Consumer complaint received 2024-04-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company (NY)

I do not want my house to be foreclosed, I want to keep my house, I live here. I called Freedom Mortgage with the assistance of a representative from XXXX XXXX XXXX XXXX and asked for a Forebearance application, Freedom Mortgage sent the wrong application with the wrong details filled out. Then on XX/XX/2024 we called Freedom Mortgage again and the Freedom Mortgage agreed to a forbearance over a recorded phone call and they stated that it would take them 7 days to review my case and a additional 30 days for the proper paperwork would be mailed to me. I am scared to lose my home or go into foreclosure this quickly as i only missed 2 months payments, as it seems that Freedom Mortgage is sending the wrong paperwork on purpose to buy themselves time for my home to go into foreclosure. I only owe 2 months of rent ( XXXX & XX/XX/2024 ). Additionally Freedom Mortgage is sending process servers to my house and priority mailing me warning notices and scaring me about foreclosure and charging me large late fees. I appreciate your help in this matter, XXXX bless you
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I hope this letter finds you well. I am writing to formally request the removal of late payments from my accounts. I understand the importance of accurate credit reporting and am reaching out to seek your assistance in rectifying the information associated with my account. I understand that your policies and procedures must be followed, and I am prepared to provide any necessary documentation or information to support my request. If there is a formal process for disputing or requesting the removal of late payments, please guide me on the steps required. XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or XXXX - XXXX XXXX  and XXXX XXXX XXXX XXXX XXXXXXXX customer service representative.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (WI)

I am reaching to your company, in hopes to have these closed accounts removed from my credit report. I was not knowledgeable about credit scores and reports in the past, and now that I am more aware I see that these accounts are affecting my credit score negatively. I am hoping to move forward and build credit starting with removing these closed accounts please. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-20
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. (MA)

On XX/XX/XXXX, I contacted Experian about the following incorrect information on my credit report. To this date they have not responded. 


The following account is not mine XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$560.00} ). Please remove it from my credit report. 
The following account is not mine XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$580.00} ). Please remove it from my credit report. 
The following account is not mine XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$400.00} ). Please remove it from my credit report.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I appreciate your assistance in REMOVING a piece of the info in my credit file that resulted from FRAUD, but I still have ITEMS passed on that should be removed or blocked. According to FCRA section 605, you must destroy any records found on an ID THEFT REPORT. I remembered this report from a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. 
XXXXXXXX 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
Consumer complaint received 2023-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

The Bank of America always forces us to interact with robots when contacting customer service. There is no direct phone number to reach, and someone needs to text and interact with a robot, and the robot does not help at all, always diverting the real problems by providing many non-sense answers. There could be an urgent situation someone needs to contact directly to a person. This deceives the customer when they advertise there is befit to using XXXX.
Consumer complaint received 2023-11-16
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. (PA)

These agencies have been reporting income on my consumer report which violates the FCRA. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. And there are 3 accounts that must be removed as they are clearly inaccurate. It goes as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2023-11-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (NV)

Toyota financial services hasn't been applying my payment and balances correctly on statements mailed out all statements mailed from XX/XX/XXXX til now are wrong payments have been made and aren't reflecting correct balances payment for XXXX dollars also XX/XX/XXXX payment made for XXXX also on statements where it says vehicle/last XXXX of XXXX XXXX isn't the correct collateral on promissory note
Consumer complaint received 2024-04-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (FL)

I do not know anything about this collection and I have tried to dispute it online but get no response. After looking up a specific law " 15 usc 1692c ( c ) '' I believe this should be removed from my credit report as they have not responded to requests.