davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-28
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: Lending Club Corp (TX)

I have been a victim of identity theft / fraud. Someone has used my name, my addresses, my Social Security number, my date of birth and my employers name to open accounts in my name. They have had access to my XXXX XXXX account as well I have discovered, and I think that this is partly how they accessed my information as well as through my Health Insurance coverage claims. 

I have disputed and disputed these 3 accounts with both XXXX  and the companies directly over and over and they still have not removed them from my XXXX  credit report. 

1. XXXX / XXXX XXXX  2. XXXX  / XXXX  3. Lending Club Corp THESE ARE NOT MY ACCOUNTS I have been told by XXXX  for both of those accounts to contact XXXX XXXX because they now own both of those accounts, I did so, and XXXX XXXX found me not responsible for these accounts and sent me letters stating this, which I have attached here. Yet, XXXX continues to report these to XXXX. I have sent all of this documentation to XXXX and to XXXX multiple times.
Consumer complaint received 2021-05-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

This debt is NOT mine. Im afraid my identity was jeopardized. I never owned a XXXX XXXX bank card ever! I am still going through issues with identity theft as of recent. Please remove from my credit report. I even hired a credit repair service specialist to try and help me resolve some of these issues. This particular one was deleted from my credit report about a year or so ago but came to find out that they sold my information to another XXXX and so it was placed back into my credit report. I have zero knowledge of this account. Its causing a lot of financial and emotional strain because its affecting my credit so much.
Consumer complaint received 2021-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX  Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX Department/Variety and Other Retail XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2021-05-28
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. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed
Consumer complaint received 2021-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (GA)

I opened a MasterCard with XXXX and they closed my account due to inactivity after about a year without informing me first, negatively impacting my credit score even though I was waiting for a replacement card that never came.
Consumer complaint received 2020-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

Information on bankruptcy that is being reported by Experian has information in it that is not correct. The account information including the court and judge name does not appear on this report as well as key information regarding the correct filing and procedures of this report. The address of the court reporting this bankruptcy is missing and is inaccurate and can not be properly verified as valid in XXXX county. The actual filing shows a date in XXXX but also shows a date in XXXX. Both dates can not both be accurate but only one date so this information is also incorrect information that is reporting under my name and has done irreparable damage to my report.
Consumer complaint received 2024-04-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: WALLICK AND VOLK, INC (WY)

XX/XX/2023 I contacted Wallick & Volk to apply for a mortgage on a property XXXX XXXX XXXX XXXX, Wy XXXX. 
This property was owned by an XXXX  that I was a XXXX in. When I applied for the loan they insisted that I could just simply refinance onto the property from the XXXX straight to my name. My understanding was this wasn't possible, yet they insisted that my information was wrong and this was the " only option '' I had under these circumstances. 
I had already committed to paying for an appraisal and was not in a position to start again with another lender. We had fine communication and I we worked through the process as my other lending was coming due. The problem arose the week I was told we would be closing. I had been emailed a settlement statement so I assumed everything was ready for closing. This was late XX/XX/ 2023. We were 50 plus days into the process I'd payed for an appraisal and from all the communications from Wallick & Volk we were on track to close. I was even asked what day I preferred the closing to be. The Monday before closing I was contacted by my loan officer and told that this couldn't be done as a refinance and that we had to do it as a purchase. Basically starting over to the very point that I said we would have to from the very beginning. My time was almost to the end and they knew this so within a week by some miracle they had a " purchase '' agreement with higher interest ARM, I was made to pay for another appraisal, and 3 times the closing cost. since my time was almost up they even refused to negotiate the closing cost which came to {$14000.00} on a {$210000.00} loan.
Consumer complaint received 2017-05-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (NY)

The lender has failed to respond to our QWR and notice of error - we believe the lender initiated foreclosure within the early intervention period in violation of Regulation X,  12 C.F.R. 1024.41 ( f ) . Your client failed to provide  XXXX   XXXX  with a  Post-Foreclosure Referral Not ice in violation o f 12 C.F  .R. 1024.39 ( b )
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (DE)

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

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

I demand the late payment reported in XX/XX/XXXX to XX/XX/XXXX to be removed. 

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

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


AMEX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions off the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Account : XXXX XXXX XXXX Account : XXXX Open Date : XXXX XXXX, 2023 Delete the above account from my consumer report, this agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per XXXX ) XXXX. Negligent Enablement of XXXX XXXX XXXX. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX CRED Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (MA)

We had disputed a charge on our Best Buy account in the amount of {$1600.00} for a stove that we purchased on XX/XX/XXXX. They resolved the dispute, but later reversed it and charged back to our account. This is a summary of the transactions/phone calls that took place and still not resolved. 
The stove purchased on XX/XX/XXXXXXXX  was not working properly. I made an even exchange for the exact same stove however, I was not happy with the it and decided to purchase a different model stove, for less money. That delivery, installation and XXXX XXXX ( XXXX Unit-Stove that was exchanged ) was scheduled for XX/XX/XXXXXXXX  and was completed. The {$1600.00} ( cost of first stove ) was not credited and the charge for the new stove, {$990.00} was now on our bill as well. As of XX/XX/XXXX, they closed the dispute, and it was NOT in our favor. They are stating that we still have that stove, so it was never returned by their driver when removed from my home. I've spent hours on the phone trying to resolve this, and every person I speak to, tells me it will be resolved, and I will have a confirmation email within XXXX hours, another person stated XXXX hours and the most recent call ( XX/XX/XXXXXXXX  ) said I will definitely have confirmation email by XX/XX/XXXX. ( tomorrow ). If that driver did not return the stove, then I should file a police report as he removed it from my home and never returned it as Best Buy policy requires. I have documented all my communications with Best Buy Credit Services and also their sales Department. I am extremely frustrated as I can not continue to spend endless hours on the phone and not getting any resolutions. I don't know what else I can do. Please let me know what else you need from me to escalate this matter. Thank you.
Consumer complaint received 2023-08-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc (LA)

I XXXX XXXX REQUEST THAT THIS ACCOUNT FROM AFFIRM INC BE REMOVED FROM MY CREDIT REPORT OF ALL INACCURATE REPORTS AS IT IS A CANCELLATION OF DEBT. CHARGE OFF ACCOUNTS SHOULD ALSO NOT HAVE ANY LATE PAYMENTS I AM GIVING THIS CREDITOR 30 DAYS AS I DO NOT RECOGNIZE HOW THIS ACCOUNT IS BEING REPORTED ON MY CREDIT. I DONT RECOGNIZE THE ACCOUNT STATUS I DONT RECOGNIZE THED ACCOUNT HIGH BALANCE NOR DO I RECOGNIZE THE LATE PAYMENTS ASSOCIATED WITH THIS ACCOUNT AND DOES NOT MEET THE FRCA. NEVER RECEIVED A XXXX XXXX PER IRS PER 15USC 1681EB AND1692G. I HAVE ATTEMPTED TO DISPUTE WITH ALL 3 CREDIT BUREAUS. I HAVE NEVER RECEIVED ANYTHING FROM AFFIRM.
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I Just started getting into building my credit I was too young at the time to establish any credit or have a card. Now that Im trying to establish and build my credit I see that theres charges on my credit report that I had no idea about.
Consumer complaint received 2023-08-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

I purchased a XXXX XXXX XXXX from a dealership named XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, NJ XXXX, back in XXXX. I paid {$6000.00} cash the day I purchased it and financed {$7900.00}. 

I was told there were no mechanical problems, he ( XXXX the car dealer ) had his mechanic check the car thoroughly inspect the vehicle and it was in perfect mechanical shape. 7 months later the engine blew due to a manufacturing defect that XXXX lost a class action lawsuit over. XXXX denied responsibility and told me I had to contact XXXX XXXX, which I did and they put the responsibility back on the car dealer because there was a 10 year window to have the car fixed for free, which was never fixed, and the window closed about a month and a half before I purchased the vehicle. I contacted XXXX about this to never hear from him again. 

Also, XXXX XXXX told me I needed to get the vehicle diagnosed through an official XXXX dealership, which I then did. I brought it to XXXX XXXX. They conveniently misdiagnosed my vehicle not once but twice, told me I'm under the mileage for my warranty, so we waited 2 months for my warranty company to come out and deny my claim for mileage reasons. Then after being lied to, XXXX proceeded to try and extort me for their misdiagnosis, telling me I owe {$1500.00} for the XXXX hours of labor they put into the car. I told them I don't agree and I will not pay for their mistake that has cost me already thousands. They have had my car now over a year, close to a year and a half. 

I received a phone call from the woman ( XXXX XXXX XXXX at XXXX XXXX who tried to extort me, telling me that due to a state inspection they had, they decided to put the engine that they wanted {$1500.00} for taking out of the vehicle, back into the vehicle so they didn't get in trouble and when would I be making the payment to release my vehicle... I was very angry, at the end on the phone call she told me that she would be charging me a storage fee daily. 

I'm so appalled by both of these companies, they've completely screwed up my entire life, I had a XXXX XXXX XXXX before all this, now I have almost {$20000.00} in debt for a vehicle that should've never been sold in the first place. Please help..
Consumer complaint received 2021-10-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I am trying to obtain business credit for my company I have started however, when I tried they told me I have derogatory items that I have since started disputing these items as of XX/XX/2021. I have received a few random notifications since but nothing really addressing the issues of my report or even verifications of items! Because of this, I disputed again on XX/XX/2021, XX/XX/2021 and as recently as XX/XX/2021. I am still waiting on responses from either the bureaus or creditors to update me and let me know what they are doing, or if they're even investigating my disputes!
Consumer complaint received 2023-01-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc. (FL)

This happened in XXXX My back pack was stolen from my car I didnt see the person face I got off my car to get some coffee when I returned to the parking lot my window was broken Unfortunately last year my XXXX XXXX XXXX XXXX XXXX  with my XXXX was stolen too Please Im begging you to clear this off my credit report
Consumer complaint received 2021-06-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Key 2 Recovery, Inc. (TN)

XX/XX/2021 received a call from debt collection of key recovery disclosing that they will take legal action against me about a debt. That was my first day being notified of any debt being owed, no written communication has been sent to address about debt so that it could be asked to verified. I do not appreciate the repeated calls and ask that written communication be the only form of contact at the moment.
Consumer complaint received 2020-02-08
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. (NC)

Experian is listing an account on my credit report of approx. {$1000.00} that is based on identity theft. I have no knowledge of this account and I have sent several identity theft police reports to Experian for a wide range of identity theft issues. Experian has refused to remove this account and review the police reports that I have sent in.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MS)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2017-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Synovus Bank (FL)

I hired somebody to fix my credit and they were disputing inaccurate infos on my report and  XXXX  disputed everything that 's on my report including a secured card I had through First progress bank for  XXXX  $ which I opened  XXXX /2016 I made the initial  XXXX  $ deposit from my checking account. While investigating the dispute first progress closed my secured card and I called to verify myself and let them know I was n't disputing the account to not close my credit card or reopen it they declined and I reverted for them to return my  XXXX  $ deposit and i have been getting the run around everyday for the past month with them passing me back and forth department on hold for 4hrs and still stalling from refunding me my deposit and they even added extra fees to my account
Consumer complaint received 2020-12-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have called twice XX/XX/XXXX and XX/XX/XXXX about XXXX separate accounts that have reporting errors. I have NEVER missed any payments on any of my accounts and for some reason it now shows that I am missing payments. I even sent dispute letters out which I have receipts for and it keeps coming back that this information is correct and it is not. Please update as soon as possible. This is hurting my overall score. This is in regards to my XXXX account as well as my XXXX XXXX account