davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2020-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (OH)

Over charge of interest, failure to keep contract. I have contacted Flagstar Bank at least 4 times over this, they either hang up on me or never call me back. I've been a customer of them since XXXX am almost 6 months ahead on my house payment. I have been ahead on my house payment since day one with Flagstar bank. They have failed to calculate daily interest and charge me according to the payment schedule. 
Example : Interest paid in 2020 = {$6300.00} Loan balance XX/XX/2020 = {$100000.00} Loan balance XX/XX/2020 = {$110000.00} Fixed interest rate = 5.375 % APR = 5.5706 % as stated in original contract Flagstar bank states my APR is 5.793 % ( FALSE ) Average loan balance for 2020 = {$100000.00} Annual Interest divided by loan balance =APR $ XXXX {$100000.00} = 5.846 % APR a very close approximation. 
Please help me to stop this crime!
Consumer complaint received 2024-03-04
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. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-16
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. (TN)

EXPERIAN AND EQUIFAX ARE REFUSING TO REMOVE INFORMATION THAT IS NOT MINE THIS IS A PROBLEM AS I HAVE NEVER HAD STUDENT LOANS OR THESE OTHER ACCOUNTS LISTED CAUSE I HAD A SCHOLARSHIP IN SCHOOL THEN DRAFTED TO THE XXXX THESE ACCOUNTS NEED TO BE REMOVE ASAP
Consumer complaint received 2023-05-27
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: Experian Information Solutions Inc. (MI)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consuming rights to privacy and confidentially 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  has violated my rights. 

15 U.S.C 1681 section 602 A Status I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of convictions of which antedates the by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Under the stipulations of 15 US Code 1681i ( 6 ) ( B ) ( iii ), it is mandated that consumer reporting agencies ( namely Experian, XXXX, and XXXX ) are required to furnish a written notification to a consumer ( in this case, myself ), upon request, detailing the methodology employed to verify the accuracy and completeness of the record information. This includes providing the name and address of any information provider contacted during the verification process, along with their contact number. Over 30 days ago, I solicited documentation to substantiate this account, yet I have received no such documentation. Without legitimate proof backing this account, it has no basis to be included in my credit report.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid 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: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/XXXX I contacted TD Bank in regards to a credit card dispute for XXXX XXXX XXXX XXXX XXXX purchase in the amount of {$11.00} dated XX/XX/XXXX. I had purchased the car wash but never received the services as the automatic car wash machine was not working. The number on both TD Bank letters ( XXXX ) XXXX are no longer in service and they have not updated them on their letters. On XX/XX/XXXX I received a letter from TD Bank stating the dispute filed was not in my favor and I must resolve the issue with the merchant. TD bank was aware that I had tried all avenues to get in contact with the merchant but the merchant would not return my call. I called TD Bank to appeal and they said they would work on it and I also asked for documentation used to make their decision as stated on their own letter which states I have the right to receive. I called numerous times and they refuse to provide me any documentations.
Consumer complaint received 2024-03-04
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 have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
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 XXXX XXXX XXXX XXXX XXXXXXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-05-27
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. (IA)

On XX/XX/XXXX I submitted a formal dispute through the CFPB case # XXXX that not only was TransUnion the ONLY, yes the ONLY credit bureau reporting false information about my XXXX student account to my report I also submitted XXXX XXXX XXXX as proof and noted all of the rights of mine that they were violating by keeping this misinformation on my report! 
Not only did they not properly read and look at my proof they didnt even bother doing an investigation AT ALL!! In fact it looks like they tried to update them to be even MORE DELINQUENT WHAT A JOKE!!! 
AS YOU CAN SEE AND READ FOR YOURSELF XXXX sent me a letter themselves on XX/XX/XXXX stating the FACTS, that this is to be REMOVED of any and ALL NEGATIVE DERAGATORY REMARKS!! But also TRANSUNION has this account on there TWICE and there is ABSOLUTELY NO WAY WHATSOEVER they did any kind of due diligence if they had XXXX would have told them exactly what I stated in the first complaint! 
Anyway I DEMAND that BOTH OF THESE XXXX accounts HAVE TO BE COMPLETELY REMOVED as they arent on ANY OTHER CREDIT RRPORT PERIOD, AT ALL, WHATSOEVER. They were SOLD AND TRANSFERRED in XXXX ( it even says that on the report ) and they were removed all together from my credit report TRANSUNION has been violating my rights for YEARS!!! YEARS!!!
Consumer complaint received 2020-12-15
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. (OH)

The accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX/XXXX XXXX
Consumer complaint received 2024-03-27
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-25
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. (MD)

I submitted a consumer dispute with Experian and they refused to conduct the investigation and send me the results it has been almost 60 days no response i tried to obtain a new credit report to see if the disputes were taken care off and they refused me access to my annual credit report because i didnt know the tag # to my car so now i would like to submit since the disputes took 60 days
Consumer complaint received 2023-06-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (OK)

Upon receiving copies of my credit report I found an account that I did not recognize. The names in which they are reporting under are The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NCA, and National Credit Adjusters. I have tried to send debt validation letters to the companies and have received nothing in response. I believe this to be a fraudulent account. Not only that but it is reporting under the original debt names and a second account with NCA/National Credit Adjusters as a duplicate account hurting my credit.
Consumer complaint received 2020-06-09
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. (MS)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.
Consumer complaint received 2016-04-11
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Bronstein & Weiss Arbitration (NM)

XXXX from Bronstein and Weiss called work and home threatening lawsuit for unspecified debt if I do not contact them within 72 hours. Indicated that it could be " embarrassing '' for me since work for state of New Mexico. Used " spoofed '' local New Mexico number XXXX.
Consumer complaint received 2023-01-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

HELLO I am writing your office today to file a formal complaint against, CAPITAL ONE AUTO FINANCE, & XXXX XXXX XXXX am requesting that this matter be thouroghly investigated. Late last year, I requested a quote from Caiptal One they gave me quote, meanwhile I found another company that gave me a better rate so, I proceeded with them, I let Capital One know that I was no longer interested.OnXXXX, I received a call from the company I chose says that they called to get the balance from XXXX and they told them that it was XXXX. So called XXXX XXXXiled a complaint that I never authorized this loan and to forward all document on this loan for my review.Then I called XXXX XXXX and ask them why would they push my throw without my approval, filed writen compliant requesting my signature on any document and all verbal authorization they have, They both verbally agreed on recorded line to UNWIND the loan and correct the error, said it would take 30days. On XX/XX/2023 Rep from Capital One called said XXXX is not sending check back.the error.
Consumer complaint received 2024-03-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

Failure to rectify this situation within 10 days will result in a formal complaint to the FTC. You have a legal obligation to respond within 15 days ; failure to do so constitutes a violation subject to fines up to {$1000.00}. I trust you will comply promptly to avoid further action. Please provide the investigation procedures for XXXX XXXX XXXXXXXX within 10 days to prevent escalation.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NV)

I periodically check my credit report and found an account that I don't recognize. This account is from Fair Collections & Outsourcing. I have reached out to them on XXXX XXXX, XXXX on this matter and informed them I do not owe this debt and to remove it from my credit report. They have not sent me a copy of the original application, therefore I am not liable for this debt. They have been constantly calling my phone everyday through out the day and it is causing me a lot of stress and anxiety. Please help in this matter. 

XXXX Fair Collections & Outsourcing XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX Ph # XXXX
Consumer complaint received 2023-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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

Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

Under the new law effective XXXX XXXX, 2017 any public record data must include name, address, as well as social security number, date of birth in order for it to appear in your credit file. The credit Bureau has not updated the information and per the new law the Bankruptcy listed does not include this information and should be deleted from my credit report
Consumer complaint received 2023-05-27
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)

Ive disputed this item several times with no resolution. The company told me themselves that the account holders last XXXX digits of their social was XXXX. My last XXXX is XXXX. None of the identifying information matches my information but the name for this account XXXX and XXXX has deleted this account from my profile but Equifax will not! I also completed a XXXX  affidavit and sent it it several times which they also did not accept. I want this account that does not belong to me removed immediately its ruining my life!
Consumer complaint received 2023-01-06
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: Avant Holding Company, Inc. (IL)

On XX/XX/2023, I sent XXXX XXXX a Certified Mail Letter requesting an unknown inquiry be deleted from my Consumer Report in which I have yet to receive a response! 
XXXX XXXX is in violation of my rights as a Federally Protected Consumer
Consumer complaint received 2022-10-17
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. (LA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my 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
Consumer complaint received 2023-05-26
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: 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. 

XXXXXXXX XXXX : XXXX, XXXX/XXXX  : XXXX, XXXX/XXXX  : XXXX, XXXX : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Reached out to XXXX XXXX and equifax via mail twice concerning inaccuracies that were on my credit report. however, still were unable to get items remove and accuracy reporting properly on my credit report. 
First Date was on the XX/XX/2021 and second date was on XX/XX/2021.