davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-15
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX LATE PAYMENTS Credit usage - % credit usage unavailable Balance - Balance updated - Credit limit {$200.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX - XXXX XXXX - XXXX CLS - XXXX - - XXXX - - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XX/XX/XXXX Highest balance $ 231 Monthly payment - Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX XXXX XXXX sold - Original creditor - Comments Account closed at credit XXXX 's request Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX number ( XXXX ) XXXX It's been more than 30 days for the investigation!!!! 
RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRUIST FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX I received a statement from Truist Bank for a credit card with a credit limit of {$7500.00} that I never opened or activated. On XX/XX/XXXX, there was a transfer balance of {$7000.00} plus a {$210.00} fee charged making the total amount due. On XX/XX/XXXX, I spoke with a representative from the Truist fraud department and filed a Dispute Claim as well being given a Case ID # for Identity Theft. On XX/XX/XXXX, I also filed a Police Report with my local Police Department.
Consumer complaint received 2017-09-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

I sent dispute on my credit report to all three major credit companys. Waited 90 days didnt hear anything from any of them. So i again contacted all three as a follow up after 90 days and srill havent heard anything. This was 6 months ago.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name XXXX XXXX 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 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 2023-01-25
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. (MN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX MN XXXX 2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. Validate Account XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
7. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 
11. The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
12. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
13. This is the wrong creditor for this item XXXX Account Number : XXXX Please investigate and delete from my credit report. 
14. This is the wrong creditor for this item XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

I was making timely electronic payments on a Matress Firm account purchase. Those were made from my bank account and the last ( paid-in-full ) payment of {$240.00} was made on XX/XX/2023. However, Synchrony bank still did sent me a statement with a delinquent amount which also included a fee. I phoned call it and I was told that the payment had been wrongfully posted into another account, but I was promised that it will be corrected and applied it to my account. However, in XXXX the bank sent me a statement requesting the payment. I called them again and was told that a refund check was sent to me in the mail, which I did not received. Again, I was promised that-since I did not get any refund check- they will apply the payment and cancel such check. They failed to do so and Since then I had been calling and calling to get the issue fixed, as well requested written confirmation of the promises made on the phone conversations with them. But nothing has been fixed, rather the bank is now adding charges to the final balance, but failed to sent me statements since XXXX. It only keeps emailing me, improperly requesting the payment which I already made since XXXX.
Consumer complaint received 2023-06-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (GA)

The loans were filed to be removed with the department of education directly and we still havent resolved the deletion of the now {$32000.00} which was supposed to be forgiven an deleted in full from the incompetent school advisors doing fraud
Consumer complaint received 2023-07-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I am contacting you to request the deletion and removal of the accounts and information mentioned below from my consumer report. It is imperative that these accounts and information are not reported on my consumer report, as their inclusion is a direct violation of the FDCPA and FCRA. I kindly urge you to take immediate action to delete and remove these accounts and information from my consumer report, as their presence violates multiple laws. Please ensure the prompt removal of these accounts and information.
Consumer complaint received 2023-11-03
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. (PA)

I have no supplied proof under the doctrine of the estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pressume that no proof of the alleged debt, nor therefore, any such debt, in the fact therefore exist XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Nevada XXXX.
Consumer complaint received 2022-12-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (SD)

I had a vehicle loan thru Wells Fargo. They accused me of not making payments and repossessed the vehicle. I got vehicle in XXXX XXXX I believe and u had it for 2 years
Consumer complaint received 2022-12-22
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. (UT)

Someone is using pieces of my personal information on their credit report. The result is relentless and continuous calls from telemarketers for the incorrect person. On XX/XX/2022 alone, I received more than XXXX calls within the first XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (FL)

XXXXXXXX XXXX  has been reporting on my XXXX and XXXX account after they had agreed to delete the account as it was paid in full almost 5 years ago the statute of limitation in the state of Florida is five years we moved out and paid our last month 's bill. They have never updated us or given us proof we owed this account and continue to report this even though we dont owe it and it has reached its limitation they also agreed to delete this over 4 years ago when i spoke with customer service.
Consumer complaint received 2023-06-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NY)

Somebody opened an Amazon Store Card in my name and has been charging it and billing it to my address. On XX/XX/XXXX I received a bill and was made aware that this was occurring.
Consumer complaint received 2023-06-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

Credit acceptance corporation ordered scam tow companies to illegally search and seize my vehicles. Credit acceptance corporation superseded rule of law and XXXX XXXX XXXX  by seizing the vehicles without first obtaining the writ of execution to submit to XXXX XXXX XXXX  Credit acceptance corporation was supposed to fill out OS/SS-99 ( R8/15 ) instructions for default security agreement and OS/SS-55 ( R8/15 ) notice of seizure of motor vehicle with the writ of execution attached and send it over to the repossession and title department in XXXX XXXX XXXX but did not. They are engaging in vin switching/cloning, stolen car scam and salvage switch. They couldnt get a title for my vehicle so they got a title in New York. I have all of their strategies, tactics and methods. I want to sue them and I will give you all the information you need on credit acceptance corporation. No court decided a contract between myself and credit acceptance corporation to be enforceable. Credit acceptance took advantage of me like they are doing everybody in the low income community. But I have their methods. The attorney general here already started suits against them for deceptive practicing, unlawful repossession and amongst other things. Credit acceptance corporation not acting alone, it is also the tow companies and the auto auctions.
Consumer complaint received 2023-06-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (PA)

While on assignment in XXXX XXXX Pennsylvania, XXXX XXXX 
I received a phone call from a lady claiming to be a representative of XXXX XXXX. Representative asked me some questions I refused to answer, on my lunch break I returned call to XXXX XXXX. 
Apparently, credit card was stolen and fraudulent user went over credit limit. There were purchases made but I was told and assured that I would not be charged nor held accountable for any merchandise charged. 
Years later XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, ( XXXX ) XXXX XXXX representing XXXX XXXX XXXX credit card stating I owe ( {$1100.00} ).
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 — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

After checking my credit report, I noticed that there acre accounts showing negatively on my report that are paid and should be in a positive standing. I have disputed this since XX/XX/XXXX and the company has not removed it as well as another account, that I have been disputing since XX/XX/XXXX, with the same company that has been paid but reporting closed and negatively affecting my credit report. I have asked for the late payments to be removed because the account was brought back current and remained that way for the duration on the account.
Consumer complaint received 2023-06-06
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I took out a reverse mortgage several years ago. I still live in my home which I purchased almost 29 years ago. Each year the mortgage company - PHH Reverse sends me a Certificate of Occupancy and I have filled out the form and returned the form to PHH in the envelope provided. I received a Notice of Default in XXXX of this year ( 2023 ) which demanded that I pay the entire outstanding balance of my mortgage ( reverse mortgage ) to cure the default. I tried calling PHH several times to see what the basis for the default was. I was unable to get any information or resolve the issue so I have had to hire an attorney. I just learned last week that the reason for the default was that the lender determined that I " was no longer an occupant '' because they had not received the certificate of occupancy form. I looked on the PHH website for the form, and the form is not available. I can not simply download the form and send it in again and cure the default. Instead of reaching out to me to verify occupancy, or notify me that they had not received the form, and provide me with another form and the opportunity to prove that I still live in the home, PHH filed a Notice of Default demanding that I pay the entire outstanding mortgage. I do not work, I can not simply go out and get another mortgage to pay off the amount ( ~ $ XXXX ) they claim is now due. I have tried calling PHH several times. I have not been able to get through to anyone that has the ability to resolve the issue or offer a viable solution to address their baseless claim that I am no longer an occupant. 

PHH has made up a reason to take my home of 29 years. The Notice of Default is not based on my default or any violation of the terms of the reverse mortgage. I continue to and have continuously lived in my home for all these years. I am over XXXX years old and if they take back my home, I will be homeless. I have limited means and this will cause me more hardship as I try to resolve this with PHH and save my home. The current foreclosure proceeding has also damaged my good credit and reputation.
Consumer complaint received 2022-12-23
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number XXXX and XXXX XXXX XXXX account number XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A : States I have a right to privacy.

15 U.S.C 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-23
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A : States I have a right to privacy.

15 U.S.C 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-09-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Applied for a checking account with Capital One with promotional code " XXXX '' and after meeting all the requirements Capital One has only awarded me {$200.00} of the {$400.00} that was stated in the terms.
Consumer complaint received 2017-09-20
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MS)

I filed a complaint with the credit bureaus because of an account I felt was being reported inaccurately. I had a loan with XXXX XXXX. During the time of the loan I was also having some other medical and financial issues and filed for bankruptcy. During the time of the bankruptcy I asked that the loan not be included. The lawyers explained to me that the judge would include everything and then the bank and I could go back and re-affirm the loan. I continued to make payments on the loan. I met with the bank manager XXXX XXXX and he agreed that we would keep the loan active and re-affirm the loan. Unfamiliar with the process I was told I simply had to keep making the payments and the loan would be reported as up to date and paid. I completed the terms of the loan as agreed and paid off the full amount. The loan is now showing on my credit report as being written off in the bankruptcy. I contacted the bank and asked for them to correct the information in the report. A bank representative did send me a copy of the loan payments to give to the credit bureau and the information on how to dispute it. I submitted the documents along with the dispute to all the credit bureaus. Several weeks later I get a letter from them stating that they " verified '' the information to be accurate as written off in the bankruptcy and it would remain on my report as such. I disputed it a second time with the documents and they still did not change it. I am unsure how they can leave it as a negative on my report when I clearly gave them proof from the bank that it was a positive account that was re-affirmed and should be reported as such. I requested that they simply update the account with the correct payment history and take off the comment of included in bankruptcy because it was not.
Consumer complaint received 2022-12-23
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. (TX)

I asked the credit bureauto perform a verification on the collections that are on my credit report. They have stated that all the accounts are accurate. While I performed a through research myself and find improperinaccuracies after they performed their research. 

In accordance with the Fair Credit Reporting act Convergent Account # XXXX Account Name : 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.
Consumer complaint received 2023-06-06
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP (CA)

Good afternoon, due to lack of work, I stopped paying for this Honda car, which I have always paid for more than 2 years a day, then I asked them to reduce my payments and they refused. Now they want me to return the car that I have not been able to do since I have been away from the state and the car is in my garage, I asked to make the payments and they informed me that the only way was to pay the full car which I can't for now, they tell me to return it but I don't owe much anymore and I'm sure they're even going to auction off the car and I will continue to return them since I do not trust their way of auctioning, XXXX HONDA XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT TYPE Lease Honda financial services