davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-15
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXXXXXX XXXX XXXX Balance Owed : {$12000.00}.
Consumer complaint received 2023-11-15
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 submitted a letter to the 3 Credit Bureaus last XX/XX/ to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX Balance Owed : {$1800.00}, XXXX XXXX Balance Owed : {$230.00}, XXXX XXXX Balance Owed : {$2000.00}.
Consumer complaint received 2023-06-24
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 — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc. (PA)

This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

Hello, I sent several complaints out about bankruptcies being on my credit report. XXXX # XXXX and # XXXX was obtained through the XXXX XXXX which is against consumer law 15 U.S.C 1681a ( e ). 
XXXX XXXXXXXX was removed from my XXXX Report on XX/XX/2022 that came back as unverifiable but also stated in same letter that # XXXX was verified? How is that when the bankruptcy courts don't furnish that information and I never gave permission per 15 U.S.C 1681 Section 604 A Section 2 to XXXX to provide my XXXX XXXX  to the credit reporting agencies.
Consumer complaint received 2024-04-28
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I got married in XX/XX/XXXX to XXXX XXXX in XXXX Ny and in XXXX of XXXX My credit score was okay and better than hers so I thought I would be a good husband and sign my name on the contract for the auto loan through credit acceptance but as circumstances would have it we soon separated then as of XX/XX/XXXX officially divorced. I never driven the XXXX XXXX XXXX  and to my understanding through my last communication with XXXX via text message I believe it is about two years ago now she once again had another vehicle repoed and I'm quite sure it has been resold and to this day I'm the one that still receives statements from credit acceptance expectant payments and they even have given me the option to pay off the loan at a significant reduction but since it was never my vehicle except for my stupid signature how long can they keep my credit score hostage for something that was never mine and vehicle more then likely got resold can I get their negative credit reporting at the end of the month off my back.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (NY)

I am writing to reiterate my concerns regarding discrepancies in my recent credit report obtained from your agency. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681a, it is imperative for credit reporting agencies to furnish accurate and up-to-date information to consumers. 

Upon a careful review of my credit report, I have identified several instances where the dates associated with various credit accounts do not align with my records and the information provided by the respective creditors. Specifically : The " Last Payment '' information for my account appears to be inaccurate. 
I am also unsure about the meaning of the " Creditor Remarks '' on my XXXX report. Please provide clarification on this matter. 
I had initially brought these concerns to your attention with the expectation that corrective measures would be taken promptly. Regrettably, your response indicated a disagreement with my observations. As a consumer, it is my right under the FCRA to have accurate information in my credit report, and I find it necessary to emphasize the importance of rectifying these discrepancies. 

This serves as a final notice and an opportunity for Kikoff to address and correct the inaccuracies in my credit report. Failure to take corrective action will leave me with no alternative but to pursue civil and criminal liability under 15 USC 1681n, which allows for penalties of {$1000.00} per violation. I am giving Kikoff one last chance to rectify these discrepancies and provide a written confirmation of the actions taken. 

I request your prompt attention to this matter and a comprehensive response outlining the steps taken to correct the inaccuracies. Additionally, please provide an updated copy of my credit report reflecting these corrections.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2023-11-15
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)

This is my repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2017-04-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

We generally pay our mortgage at the end of the every month, the month prior to when it is actually due. We do this to ensure that it is on time. So, we payed XXXX 2013 mortgage in XXXX 2013. In XXXX 2013, my mortgage provider transferred my loan to a new service provider. We paid our XXXX 2013 mortgage to the new service provider as directed. However, they told us that we were one month behind because they did not receive our XXXX 2013 payment. We told them that it was paid to the old service provider and they said they would research it. Finally after many phone calls, they confirmed that my XXXX 2013 payment was paid. However, then they started saying that that other payments were late. Every time I talk to the representatives by phone they give me a different story. One representative will say one thing and another representative will say something completely different. The reason that I have endured so long with them in trying to get the problem fixed is because I know with 100 % certainty that I have made all my payments on time and believed that they would recognize their error and correct it. To date that has NOT happened. I have made my payments on time and have records that prove I 've made these payments to include bank statements which shows that the mortgage company cashed every single check. The mortgage company representatives have given me the " run around '' year after year citing one reason or another that my account is past due. Again, I have five years of records proving that I have not missed a payment and that my payments were made on time. The mortgage company has called me at work repeatedly and reported adverse information on my credit report. After years of trying to get this straightened out, I have finally reached my limit with them which is why I am filing this complaint. The mortgage company has caused me both financial as well as emotional distress and it must end.
Consumer complaint received 2020-07-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

This is a second complaint that arose after receiving a response to my original complaint XXXX XXXX from Wells Fargo bank responded to my original complaint. On XX/XX/2020 I received a letter, dated XX/XX/2020, from XXXX XXXX, Senior Vice President of Wells Fargo Mortgage Company. In this letter Wells Fargo noted that I deferred 3 mortgage payments when I entered into the forebearance program in XX/XX/2020. In fact when I entered into that program via a phone call with Wells Fargo I was told that I had already made my XX/XX/2020 mortgage payment and that I would only be able to defer two months mortgage payments, XXXX and XX/XX/2020. 

On XX/XX/2020, I telephonically contacted Wells Fargo and spoke with a female employee ( unknown ) to restart my bi-weekly payments so that my mortgage payment for XX/XX/2020 would be satisfied. During that and a subsequent conversation a day or two later this employee told me that the bi-weekly payments would start on XX/XX/2020 and that the bank would make the withdrawals from my checking account every two weeks moving forward, with the next withdrawal from my checking account being made on XX/XX/2020. During this conversation I questioned this employee as to whether the withdrawal on XX/XX/XXXX would insure that my mortgage payment due on XX/XX/2020 would be satisfied. This employee assured me that the second bi-weekly payment on XX/XX/2020 was within the allowed grace period and that once the bank received this payment they would credit my mortgage account for XXXX. 

On XX/XX/2020, I telephonically contacted XXXX XXXX who subsequently contradicted what the other Wells Fargo employee told me. XXXX XXXX told me that the monies that I paid on XX/XX/XXXX and XX/XX/2020 were not applied to my XXXX mortgage payment but were applied to my mortgage payment due XX/XX/2020. Ms. XXXX indicated that the investor ( XXXX XXXX ) would not allow the second payment/withdrawal from my checking account be applied to my XXXX payment since it had not been made by XX/XX/2020. 

According to Ms. XXXX, I am ahead in my payments on my mortgage since the next withdrawal from my checking account will be made on XX/XX/2020 which will be applied to my XXXX payment. 

During this conversation I told MsXXXX XXXX that I wanted Wells Fargo to correct their mistake and apply the XX/XX/XXXX and XX/XX/XXXX payments to my mortgage payment due on XX/XX/2020 as they had indicated during my phone conversation with a bank employee on or around XX/XX/2020.
Consumer complaint received 2023-02-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

I received an email on XX/XX/XXXX. stating that a garnishment had been placed on my account. When I contacted the company they said it was for a debt and asked if the date of birth was correct. It wasn't and then I was told that the company doing the garnishment should contact me. I then received a letter about the garnishment on the XXXX of XXXX and contacted the company on the XXXX. They asked for my date of birth and my last four of SSN. The date of birth was wrong, but the SSN was correct. But they stated this was for a credit card that I never opened or had any idea of that was in my name.
Consumer complaint received 2023-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXXXXXX Balance : {$630000.00} ; XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXXXXXX XXXX Balance : {$5200.00}.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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 permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-11-15
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One Auto is reporting an auto loan debt which was chargeoff and sold to a collection agency. They never sent me a 1099 C form of the debt being sold. There shouldnt be a past due balance on a charge-off account. This is false inaccurate information. The past due balance should be XXXX. Also I notified capital one of the inconsistent payment reporting history of this account. XXXX, XXXX and XXXX of XXXX are both reporting 30 days late and which is incorrect. Its impossible to report 30 days late for two months in a row. It should say 30, 60, days late. This is false and inaccurate information.Please remove this account. Due to the FCRA, this is a violation. This debt keeps coming back verified but theres so many inaccuracies that its impossible for that this debt has been verified correctly.
Consumer complaint received 2023-11-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Dyck-O'Neal, Inc. (CA)

The debt collector XXXX stated a non-judicial foreclosure on a second mortgage that is over 18 years dormant, and not collected, I disputed the debt in 30 days and requested for verification, they did not respond and are continuing in collection with foreclosure, set in XX/XX/2XXXX XXXX
Consumer complaint received 2023-11-15
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)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 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 2017-05-04
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (NC)

A collection company by the name of Ability Recovery Services , LLC continues to contact me to collect a collection from   XXXX   XXXX    (  the original creditor ). The balance of this acct is {$2500.00} as listed on all   XXXX   of my credit reports. I have never attended   XXXX   XXXX  , nor have I ever agreed to paying the amount they 're harassing me for. I have sent multiple letters directly to  Ability Recovery,  and also submitted multiple disputes with the credit bureaus, and have yet to get verification that is debt is mine.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I have mailed, faxed, emailed, and called each bureau XXXX, and Experian. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.
Consumer complaint received 2022-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX XXXX XXXX XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX Bankruptcy Date Filed/Reported : XXXX  Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX
Consumer complaint received 2024-03-14
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. (AZ)

last month I applied for a secured credit card at a bank, then representative told me after pulling my report shows I have SSN, but I am NRA, I only have ITIN, there is no SSN at all.
Consumer complaint received 2023-11-15
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 (MD)

Starting on XX/XX/XXXX, my Bank of America Visa Credit card was fraudulently used without my permission. The card was stolen and my account was changed from paper statements to electronic. I never did electronic statements, therefore I was unaware of the charges being made, till Bank of America called to say that payments were due, at which time they also told me of exorbitant charges being made on the card. I immediately denied the charges and asked for paper statements to be made available. Around XX/XX/XXXX I disputed the charges and asked for the card to be blocked, but the bank personnel whom I spoked to said to keep the card open to see if there will be any further activities. On receiving my statement of XX/XX/XXXX I noticed there were further charges that were made, so I blocked the card. Bank of America told me that they would take care of the fraud and there was nothing that I should worry about. Towards the middle of XX/XX/XXXX Bank of America wrote me a letter saying my dispute was being denied due to the card being swiped, pin being used and signature being used. I do not have a pin and the card was lost. Bank of America never asked for a police report. On my own investigation, I was able to determine the perpetrator and get a confession with promise to pay. Unfortunately all my attempts and patience were of no avail. I submitted a police report to Bank of America and I am in court trying to clear my name. I have over pain my dues by {$4600.00} as I continued to pay to protect my credit. The fraudulent charges total to {$13000.00} and total interest to date {$2800.00} bring the total to {$16000.00}. Once again I reiterate that I have not abused my banking privileges. Currently I am seeking legal assistance to settle this matter. Thank you.
Consumer complaint received 2017-01-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

I have written to Experian on several occasions disputing the fact that listed below are incorrect. The credit bureau refused to respond or continues to state that they verified the debt. Without Verifiable Proof ( an original Consumer Contract with my Signature on it ) .The account are the items the credit bureau has refused to investigate XXXX FL XXXX