davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: AC AutoPay LLC, Denver, CO Branch (WA)

On XX/XX/2023 XXXX PST I saw a hard inquiry from XXXX XXXX XXXX XXXX on my credit report. 

Upon contacting them they told me the request was generated by AutoPay ( parent company XXXX ) I have never contacted autopay or given them explicit permission to run my credit. 
I have only filled out a form on XXXX XXXX with XXXX to refinance my car loan but they specified only to run a soft inquiry. 

I tried talking to AutoPay but their staff XXXX XXXX and XXXX XXXX informed me that they purchased my information from XXXX and decided to run my credit without my consent. 

XXXX also refused to dispute this credit check after multiple requests and eventually stopped responding altogether to stop their liability I want this hard inquiry removed as I am working towards building my credit currently.
Consumer complaint received 2017-07-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: OpenRoad Lending (FL)

I am financing a car with XXXX XXXX. In the title of my car is my cousin too who absolutly does not mind in provide a Gift Letter to allow another lender finance my car and leave me alone.
Last week I had my credit around XXXX. XXXX showed me 3 options to refinance my car. Then I have chosen OpenRoad. I followed the link and I submited what they requested me. Then I got a phone number sugesting me to speak with a representant.
I spoke with the representant and they told me they can not do nothing if my cousing is in the title and I have to remove him from the title first. Offcourse I do not know nothing about it and I asked them if they had any idea how to do so. They do not know as she said.
Ok. I came home and I decided to go on sunday to XXXX, where I discovered that they run my credit on saturday. Offcourse my credit droped down and I could buy the XXXX eider.
On monday I received a letter from OpenRoad. Please find it attached. They said I am approved and I should call them again. then the same problem came. I spoke with every possible manager in that company and I sent them several emails. They do not care.
As I know they run my credit asking to 4 banks.
If you need anything from me please let me know.
Consumer complaint received 2022-12-06
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. (GA)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX  {$250.00} 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Never Later Please remove the Late Payment the Account is closed
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BOK FINANCIAL CORP (OK)

I previously put in a complaint on bank of oklahoma and their response was its still under investigation and I have to wait the 60 days but it has already been longer than 60 days because it's happened on XX/XX/XXXX And the bank told me that the investigation was closed that they were not going to pay out
Consumer complaint received 2024-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2024-03-25
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. (NC)

I received information that stated Bankruptcy was verified but did not show how and to whom it was verified and based on 15 U.S.codes 1681 A and 15 U.S. codes 1681B I am supposed to receive this information I also received a Letter from the courts that states Bankruptcy and clerk of courts and record of deed do not do third-party verification So how again was this verified please remove immediatley
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

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.

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 antedate
s 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 2024-03-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This company, Capital one, is reporting an account on my consumer reports and they have yet to verify and validate the debt. I submitted a request for them to send me an authenticated record of the account pursuant to XXXX XXXX XXXX XXXX XXXX which states that the recipient must respond to the request within 14 days. It has been over 14 days and I have not received a response. I have requested that the Generally Accepted Accounting Principals ( GAAP ) bookkeeping entries that proves creditor has suffered a loss, a copy of the 1099-c that was filed for the account, the truth in lending disclosures, and the opt out disclosures. I have also requested that they cease all communication both directly and indirectly which includes consumer reporting. Please see attached.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

I'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. The following accounts needs to be corrected now : XXXX XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance {$290.00} ; XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$730.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$100.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$17000.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$390.00}.
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next XXXX  days.
Consumer complaint received 2023-05-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (RI)

On XXXX, 2023 Amerisave charged me, a senior citizen and potential customer, to transfer a XXXX appraisal to XXXX XXXX who requested the transfer. I did not take a loan from either company as my current mortgage is 3.5 % so what I wanted to accomplish was not possible. They charged me instead of XXXX XXXX {$620.00}. Yes. {$620.00}. And it did me no good. I think this is an unreasonable and greedy charge for a senior citizen who is struggling to pay bills. 
Second - Again Amerisave put their name onto my XXXX XXXX insurance before any final decisions were made. So when the insurance came due in XXXX, Amerisave was billed.. They didnt pay it or inform anyone that they were not the holder of my mortgage. I had to pay the {$460.00}. to avoid cancellation and I am still waiting for my reimbursement from XXXX. This is XX/XX/XXXX. 
I think Amerisave overcharges and is greedy. They possibly take advantage of senior citizens. They do not let anyone know the status of an account or past application in order to make simple procedures easier. XXXX XXXX never added their name as the holder of my mortgage while I was dealing with them.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (CA)

Through borrowers defense to repayment my balance was reduced to {$57000.00}. Nelnet hadn't updated my credit score since XX/XX/XXXX. On XX/XX/XXXX Nelnet updated my credit report dating back to XX/XX/XXXX saying I owe $ XXXX over 40 accounts due XX/XX/XXXX. This dropped my credit score by 31 points and has resulted in adverse actions being taken by other creditors
Consumer complaint received 2021-02-18
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: Resurgent Capital Services L.P. ()

LVNV is reporting a fraudulent account on my credit. I didnt open this account nor did I authorize anyone to do so on my behalf. I have tried to dispute this account but it keeps getting verified, even though its clearly not mine. I am requesting the removal of this fraudulent account from my credit file.
Consumer complaint received 2023-07-09
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. (FL)

In the month of XXXX I sent a letter to this agency announcing the errors it presents in my credit report negatively affecting my credit, so I kindly ask that this account be removed from my credit report.
Consumer complaint received 2023-05-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HILLTOP HOLDINGS, INC (CA)

On XX/XX/XXXX an insurance bill for {$1000.00} was paid out of my escrow account. The fire insurance did not belong to me. I have been trying to get reimbursed for this money since the occurrence. Every week I get a different story. This needs to be refunded immediately along with any interest that might have been paid on it. XXXX for PrimeLending has been awful to deal with. My name and address did not appear on the bill they paid and they give no reason how this happened. Also, the bill was for insurance that expires XX/XX/XXXX. I purchased my place last XXXX so I could I have a policy that was going to expire in XXXX? Very sloppy and incompetent bookkeeping.
Consumer complaint received 2023-05-25
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (AZ)

recently discovered that someone had stolen my identity and used my personal information to open fraudulent accounts and make collections on my credit report. It has been a challenging experience that has had serious consequences on my credit score and financial well-being. I have taken immediate action to dispute the fraudulent accounts and collections, and I have reported the identity theft to the appropriate authorities. This has involved working with credit bureaus, banks, and law enforcement agencies to investigate the fraud and restore my credit report. It has been a stressful time, but I am doing everything I can to protect my identity and recover from the damage that has been done.
Consumer complaint received 2023-05-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (TX)

I contacted Rocket Mortgage on XX/XX/2023 to discuss the Annual PMI Disclosure I received in the mail regarding my mortgage. I called to discuss the requirements needed for us to have the PMI removed from our loan since I believed we met the requirements as we, " had the mortgage for at least XXXX years and had a good payment history for the last 2 years. '' The original person I spoke to informed me that we did not meet the requirements to have our PMI removed but could not explain why we did not meet the requirements of the disclosure, nor could they explain which specific numbers they were using to calculate the XXXX value needed so that we could track our progress towards meeting the XXXX value needed to have the PMI removed. My call was then escalated to XXXX XXXX XXXXXXXX, XXXX XXXX, who got abrasive with me and also could not give specifics on the numbers used to calculate the XXXX and now came up with a 75 % XXXX ratio requirement vice the 80 % requirement in the provided disclosure and could not explain why this stricter requirement was required, nor could he provide any written documentation to validate the requirements. He directed that an appraisal would be required to be performed at our expense to validate that our property value increased to meet the XXXX requirements. 
We ordered an appraisal and contacted Rocket Mortgage on XX/XX/2023 to submit the results to have our PMI removed, however, we were told that an appraisal was not needed as we had met the requirements to have the PMI removed already and that it was removed at that time. I then requested reimbursement for the appraisal since I was told it was needed initially and I was once again contacted by XXXX XXXX on XX/XX/2023 who once again got abrasive with me and recounted that he earlier stated the need for an appraisal and informed me that there would be no reimbursement. I then submitted a complaint email against XXXX XXXX which unethically went to him to resolve. I then contacted XXXX XXXX 's supervisor Servicing Team Leader, XXXX XXXX via email on XX/XX/2023 requesting a call back. 
XXXX called back later on XX/XX/2023, but provided no clarification on why my initial contact concerning PMI removal requirements with her subordinate, XXXX XXXX, were not met nor provided no additional clarification on why the extenuating circumstances required for PMI removal were never discussed which resulted in me unnecessarily ordering an appraisal which I was led to believe was needed by XXXX XXXX based on our XX/XX/2023 conversation. She also showed no concern on how abrasive and unprofessional XXXX XXXX was in dealing with me in both conversations concerning PMI removal on XX/XX/2023 and XX/XX/2023, as his supervisor, even after assuring me she had heard the recorded phone conversations. She could also not explain to me how an email concerning a complaint against XXXX XXXX was unethically sent to him to respond to, vice going to a supervisor or third-party member.
Consumer complaint received 2023-05-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MD)

We are asking your agencys help in discerning why there is a {$40000.00} discrepancy between our HUD-1 ( from the calendar year XXXX sale of our family home at XXXX XXXX XXXX XXXX Washington XXXX DC XXXX XXXX and the Form XXXX for calendar year XXXX as reported to the IRS. We have attached Form 1098s covering calendar years XXXX - XXXX We have made several attempts for MR Cooper to respond to our very legitimate concerns. And have yet to receive any response. The company lied to this agency in responding to our previous request for assistance. At the time of our previous request ( XX/XX/XXXX ), we did not have the Form 1098 covering calendar year XXXX which shows an outstanding mortgage balance of {$40000.00} lower than that which was reported on the HUD-1 , covering the sale of our family home.
Consumer complaint received 2024-03-25
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

I filed a dispute for unauthorized inquiry 's on my credit profile over 30 days ago and still no response from credit bureaus This furnishers has been made know by federal law enforcement department that this account is fraudulent and not authorized and they continue to report illegal information on credit report. This account should not be reporting and they refuse to remove this information.
Consumer complaint received 2024-03-25
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: EQUIFAX, INC. (SC)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (LA)

It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.
Consumer complaint received 2023-05-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Sessoms & Rogers, P.A. (NC)

I have been working hard to repair my credit and pay off a collection that I have on my account to improve my credit score. Between the dates of XX/XX/XXXX to XX/XX/XXXX, I have made several attempts to contact the agency to try and settle this debt. I was baited into leaving my name and number to give them permission to call my phone because every time you call XXXX or XXXX they send you to voicemail stating that they are short-staffed and they will call you back. This in itself is problematic because I do not want to give them permission to call me and harass me ( unknown XXXX numbers have begun calling my phone ). 

Once I finally got ahold of an agent after servals days of attempting to reach someone I was met with unprofessionalism and unwillingness to settle the debt. They wanted me to divulge sensitive information to the such as my wage, where I worked, my monthly bills, current address, etc. before they would talk to me about the collection. 

I then asked to speak with a manager and was told they could not escalate me to a manager and that they don't just allow someone to speak with a manager until I told them what my reason for wanting to speak with the manager was. She stated that she had answered my questions and that I did not need to speak with a supervisor.
Consumer complaint received 2017-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Integrity Funding Ohio, LLC (OH)

This company is on my credit report and this is fraud. They have a   XXXX   XXXX   who owned these accounts living in Florida. I have never lived in Florida, nor have I have been affiliated with these companies.
They need to remove themselves from my credit report and leave me alone.
I live in Ohio. The   XXXX   XXXX   they are looking for lives in Florida. Please contact this company and have them stop harrassing me and sending me documentation. I 'm assuming after attempts to locate this person, they found the same name in Ohio and have sent this to my address. Attached. However, as you can see the person they are looking for is from Florida ( Consumer name and address ). This needs to stop and they need to remove themselves from my credit report as soon as possible.