davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I have called the mortgage on the request for verbal or written authorization for the HARD inquiry taken effect on XX/XX/2022. ( I was not aware this was done without my approval ). 

The other other are inaccuracies reflecting in my report which I send all 3 credit bureaus to make the correction.
Consumer complaint received 2021-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I deposited money into an ATM and it failed! The ATM Kept my money and gave me an error code. I called to file a claim ( Claim # XXXX ). They gave me a provisional credit until they investigated and looked into it. I then received a letter saying they were going to take the money back because they couldnt located the funds. This is ridiculous. Theyre a bunch of thieves and crooks!
Consumer complaint received 2023-12-01
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. (NJ)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, 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 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 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I have mailed and completed online disputes on my credit report for the following debtors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have requested to receive documents that have my wet signature that I entered into a contract with, and never received documents. Account with XXXX XXXX has been paid in full and have no late-payments and the company has been reporting incorrectly for the past year. I have submitted and emailed reps at Experian with proof that the car was paid with a trade in purchase from XXXX. XXXX XXXX is an issue of identify theft and have reported to proper channels this debt has been removed from XXXX and XXXX but yet remain on my report. The other accounts listed I have no knowledge of and are identity theft because I have no knowledge and have made no dealings with these companies
Consumer complaint received 2024-02-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Avadyne Health Holdings, Inc (AZ)

I believe this debt is for a Doctor 's visit of our XXXX  I was insured, and so were my kids, constantly with XXXX. Therefore, this XXXX  visit was fully covered by insurance and should have been billed from the Doctor 's office to the insurance. However, it seems that they gave it erroneously to the collection agency instead. 
I have informed the collection agency about this and asked for proof of my liability even with registered mail ( proof uploaded below ). But I have only gotten more and more threatening letters, calls, and text messages. 
My account # with H & R is XXXX
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

In XXXX of 2016 My wallet was lost that included my drivers license, social security card, and other forms of identification outside of my house and since then there have been sev-eral fraudulent account opened in my name student loans, utility bills, car loans, credit cards, home leases, student loans and I dont know what elese. I have filed a police report as well. I would like for all these items to be deleted from my credit profile. 
ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Consumer complaint received 2018-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

XXXX, Transunion and XXXX have deleted an account off of my credit report not once not twice but three times and have been deleting the account and then a month later re-adding the account back onto all 3 of the credit bureaus. The account is XXXX XXXX. This has been going on throughout XX/XX/2018. The account was just added back onto all three credit bureaus after being deleted for the second time last month in XXXX. This is ridiculous. It sinks my score the more they delete it and re-add it. Once an account has been deleted that should be final.
Consumer complaint received 2023-05-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kingston Data & Credit International Inc. (VA)

In accordance with the fair credit Reporting Act XXXX account # XXXX 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 I did not sign a contract with Kingston Data and Credit International so for that reason i should not owe the debt they're trying to collect.
Consumer complaint received 2023-11-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: AG AH LLC (AZ)

On Tuesday, XX/XX/XXXX, I wanted to remove my extra principal paydown from my automatic loan payment. Their site does not allow any adjustments to the payment and my only option was to cancel the automatic payment altogether and then re-setup it up with the new terms. The site said I had to wait 24-hour to setup up a new automatic payment. The next day, I tried to log on to setup the automatic payment, but their site ( XXXX  ) was down... COMPLETELY unresponsive. I tried again on Thursday, and again today, Friday. Same results. Looking up XXXX on XXXX  confirms that XXXX is down for everyone and has been for several days. People are trying to make their monthly mortgage payment but are unable to. I called ARC Home Loans ( who uses XXXX for the servicing of their conventional mortgages ) today and was told that the XXXX website is down and the representatives are unable to access our account information. I pressed through to a representative anyways and was told the same thing. Concerned that as we approach XX/XX/XXXX, I won't be able to make my mortgage payment because we wer never given payment slips and the representatives won't/ca n't give us any information about paying our mortgage any other way than through XXXX and they have not idea when/if it will ever be up and running again. At my wits end because I just want to pay my mortgage responsibly!
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-11-14
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Dyck-O'Neal, Inc. (CA)

XX/XX/XXXX I purchased my current private residence and originally had XXXX mortgages ( first + second XXXX ) with " XXXX XXXX '' XX/XX/XXXX. 1st was for {$480000.00}, 2nd for {$120000.00} Within 1 year the 2nd mortgage was transferred to another lender and then both mortgages ended up with XXXX XXXX XXXX around XX/XX/XXXX. We had XXXX loans with XXXX at that point, a 1st and a 2nd. I still have the papers and XXXX loan numbers. 

XX/XX/XXXX my husband and I filed for chXXXX with the help of XXXX XXXX XXXX, discharged XX/XX/XXXX. We had stopped paying the 2nd XXXX mortgage around XX/XX/XXXX. We learned from XXXX that they charged off the 2nd mortgage. After the XXXX discharge we never heard about the 2nd mortgage again, no correspondence whatsoever. 

On XX/XX/XXXX we received a letter from a company called " Dyck O'Neal '' claiming possession of a lien against our property. 

On XX/XX/XXXX XXXX XXXX XXXX sent a " Qualified Written Request '' to Dyck O'Neal on our behalf. Until today there is no response. 

On XX/XX/XXXX my husband went to the XXXX recorder 's office to search our property 's records. He found out the following : 1. A record recorded with XXXX recorder on XX/XX/XXXX showing that in XX/XX/XXXX a transfer of 2nd mortgage from lender " XXXX XXXX '' to a company called " XXXX XXXX XXXX '' in Texas took place. These documents were recorded with the LA recorder 's office 2 months after XXXX XXXX XXXX had sent them the " Qualified Written Request '' Dyck O'Neal never responded to. 
Besides, to our knowledge XXXX XXXX could not have transferred this 2nd mortgage as the original 2nd had been moved to XXXX other lenders and it ended up with XXXX before our chXXXX filings in XX/XX/XXXX. 

2. Another record dated and recorded with XXXX recorder on XXXX/XXXX/XXXX showing a transfer of this same 2nd mortgage from " XXXX XXXX XXXX '' to " Dyck O'Neal, Inc. '' dated XX/XX/XXXX. 

On XX/XX/XXXX I received another letter from Dyck O'Neal similar to the letter they had sent in XX/XX/XXXX, claiming possession of a lien against our property. Again no response to the Qualified Written Request my attorney had sent in XX/XX/XXXX.
Consumer complaint received 2024-03-24
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX {$2100.00} Opened : XX/XX/XXXX XXXX XXXX {$690.00} Opened : XX/XX/XXXX These accounts are involved in litigation. 

UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX. I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS.
Consumer complaint received 2024-03-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION (RI)

HELLO, MY NAME IS XXXX XXXX XXXX. I HAVE BEEN IN BUSINESS WITH XXXX FOR ALMOST 4 YEARS. I FIRST WENT FOR LEASE OF A XXXX XXXX XXXX ON XXXX OF XXXX THE XXXX NUMBER OF THAT VEHICLE IS XXXX AND THIS VEHICLE WAS IN AN ACCIDENT ON XX/XX/XXXX OF XXXX. I WAS SUPPOSE TO TAKE MY VEHICLE TO THE TOYOTA BODY SHOP IN XXXX. I WAS TOLD MY VEHICLE WILL BE READY IN 2 WEEKS. THE TWO WEEKS DRAGGED ON FOR A MONTH. WHEN I WENT BACK FOR THE VEHICLE I WAS PERSUADED INTO GETTING A XXXX XXXX AT NO COST. THIS XXXX WAS SOLD TO ME FOR THE PRICE OF {$34000.00} I HAVE BEEN PAYING THIS VEHICLE FROM XX/XX/XXXX TIL XX/XX/XXXX WITHOUT MISSING A PAYMENT AND I STILL OWE XXXX XXXX XXXX ACCORDING TO TOYOTA. I TRIED TO SELL THIS CAR BECAUSE I AM XXXX TEMPORARILY AND CAN'T WORK DUE TO MY XXXX AS I AM AN XXXX XXXX AND THESE PEOPLE HAVE MY PAPERWORK AS A LEASE. I would like to get out of this contract. OR I WILL FILE FOR BANKRUPCY. EVERY TIME I CALL I'M TOLD IT IS FINANCED BUT EVERYWHERE ELSE IS BEING TOLD THAT I AM ON A LEASE. THERE IS A RANDOM REPORT ABOUT XXXX XXXX THAT IS ON MY REPORT AND NO ONE CAN TELL ME WHO AND WHAT THIS IS AND WHAT ACCIDENT OCCURRED ON XXXX XXXX OVER TWO WEEKS AFTER I GAVE THEM THE CAR TO FIX. THE ACCIDENT HAPPENED MEANWHILE THE CAR WAS OUT OF MY HANDS DURING THE TIME IT WAS IN THE COLLISION CENTER. I WAS NOT TOLD ANYTHING BY INSURANCE BY NO ONE. I FOUND OUT LOOKING FOR INSURANCE THAT'S WHEN I WAS TOLD 3 YEARS LATER AND THERE WAS A {$27000.00} PAYOUT. I DON'T OWE ANYTHING FOR THE XXXX XXXX I WANT TO KNOW HOW I CAN GET OUT OF THIS CONTRACT BECAUSE I STILL OWE WHAT I ALREADY PAID TO DATE WHICH IS OVER {$30000.00} OR I WILL FILE FOR BANKRUPTCY.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. ()

I recently contacted ( XXXX, XXXX, Equifax ) to report that my personal information is inaccurate, there is over 15 different addresses, Variations of my Name I've Called over 3 times and even wrote each agency and they continue to report this inaccurate information,
Consumer complaint received 2024-03-24
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: Experian Information Solutions Inc. (TX)

I have disputed the 4 student loan trade lines on my credit report, or federal student loans with Experian more than 4 times and received an unsatisfactory outcome. I am a class member of XXXX XXXX XXXX. The settlement agreement requires the student loans to be removed from my credit report. Experian and XXXX continue to update the trade line loan balances every time I dispute and request a deletion.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-12-01
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. (FL)

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 accounts 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 ( Accounts ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX formally known as XXXX XXXX XXXXXXXX XXXX XXXX failed to investigate my goodwill request to remove delinquent and late payments they reported to the three major credit bureaus. XXXX XXXX XXXX is reporting a total of XXXX late payments dating from years XXXX, XXXX, and XXXX. Some of these late payments were during a covered period due to XXXX. According to 15 U.S Code 1681i- Procedure in case of disputed accuracy, these late payments should not be reported. The company was made aware of my medical condition and unemployment status due to XXXX. The company is violating my rights as a consumer and denying my request for these late payments to be removed from my credit report.
Consumer complaint received 2024-03-24
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)

Ive been contact experian, XXXX and XXXX about these XXXX accounts for over XXXX months will no help, no real responses and no accurate information. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ), and they have no be honest or helpful. This affects my life and all I get is computer responses.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: AMERICAN EXPRESS COMPANY (LA)

MULTIPLE REQUESTS SENT TO AMERICAN EXPRESS TO CORRECT THE ADDRESS AND REFRAIN FROM USING FALSE ADDRESSES AND INFORMATION. HOWEVER, PER THE STATEMENTS/CORRESPONDENCE PROVIDED BY AMERICAN EXPRESS , AMERICAN EXPRESS IS CONTINUING TO USE A FALSE AND INACCURATE ADDRESS FOR THE CONSUMER 'S PERSONAL INFORMATION DESPITE REPEATEDLY BEING GIVEN THE CORRECT INFORMATION AND BEING REQUESTED TO REFRAIN FROM THIS INTENTIONAL ERROR. THE INTENTIONAL ERRORS INCLUDE : USING KNOWN MISINFORMATION ; USING UNKNOWN ABBREVIATIONS AND MARKINGS NOT APPLICABLE TO THE CONSUMERS ADDRESS NOR PROVIDED TO AMERICAN EXPRESS BY THE CONSUMER ; INTENTIONALLY USING FALSE INFORMATION DESPITE REPEAT ATTEMPTS TO CORRECT THIS ISSUE. PLEASE SEE ATTACHED NOTICE TO CORRECT AND PROOF OF CONTINUED INTENTIONAL ERRORS BY AMERICAN EXPRESS.