davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-29
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2013 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-11-23
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. (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. 

DPT EDXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 crime 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-01
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. (WI)

In accordance with the Fair Credit Reporting act XXXX Account # 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, also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2017-07-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

According to the Equifax website as well as the investigation results page this is what they state prior to providing the results.
In this situation : * We request that the reporting company verify the accuracy of the information you disputed ; * We provide them with any relevant information and supporting documentation you provided us with the dispute to consider as part of the investigation ; and * We request that they send Equifax a response to your dispute and update their records and systems, as necessary.
Now, if all of that is true, they would have found that the companies below have ZERO authorization from me to run my credit or place an inquiry on my file. I have even contacted several of them to see what information they had from me and they have nothing.
Not a single one of these creditors ever had any signed document nor phone authorization, nor online signature from me to perform any of these credit pulls on Equifax or any other bureau if they have done so at any time.
If Equifax had done an actual investigation or gotten any " verification '' as they say they would have removed these inquiries immediately. The following information is in regards to the inquiries that were made without my authorization or approval in any way and I demand them to be removed immediately. They are impacting my credit score and my ability to gain credit.
I appreciate your efforts in helping me resolve this problem as soon as possible.
Credit Inquiries I am Disputing and have no provided authorization for that I demand to be removed.
  XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XX/XX/XXXX   XXXX  : :  XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX     XX/XX/XXXX   XXXX   XXXX    XX/XX/XXXX   XXXX   XX/XX/XXXX
Consumer complaint received 2023-05-26
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)

XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance details 0 % paid off Balance {$290.00} Balance updated XX/XX/2023 Original balance {$290.00} Account info Account number XXXX Date opened XX/XX/2023 Account type Open account Status - Status updated XX/XX/2023 Payment summary No payment history available to display. 
Comments Placed for collection Your statement - Contact info Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN XXXX BUSINESS DAYS OF FRAUD RECEIPT DATE
Consumer complaint received 2017-04-09
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

I submitted a loan modification to Rushmore loan management. My income was more then enough to qualify. The day I submitted the file the Rep spoke to me and my assistant helping me on the modification and he stated that he " did not like the file '' and he would not submit it to underwriting. He sounded like he was not fully " sound '' or he was on some type of drugs or medication. When I brought this to his attention he got more upset and would n't transfer me to a supervisor. He then told me I was at the 38 day period prior to my foreclosure sale date and he would do everything in his power to kill my file. I went to court and had the sale date moved 14 more days and than resent the file and requested a new account rep. I got a new rep and the file was sent to underwriting and then declined. I sent an appeal and I was told because I had a foreclosure within 90 days they would not review my appeal. I did research and found out once they have a full modification file 38 days or more before my sale date they are supposed to place the foreclosure on hold which they did not do, than they are supposed to allow me a 30 day appeal process no matter what and they did not do this either. I believe this account rep stayed on top of my file and made sure it was denied due to my race and his prejudice towards me. XXXX was the point of contact that fought with me and he made a personal decision to decline moving the file to underwriting. His phone line is XXXX.
Consumer complaint received 2017-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (VA)

Ditech credited my account with a {$5000.00} incentive which I met the qualifications for. Ditech then withdrew the credit.I have been trying to get an explanation for over a year.I received a brief blurb from one of their office paralegals stating that everything was right. This is not acceptable. Please review the documentation. I sold the house on XXXX XXXX, 2016. I received around {$2400.00} form escrow, but believe Ditech may owe me additional funds. I have attached documents. Please review and help me receive an adequate explanation and not a vague response to an important consumer concern.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

Experian and XXXX XXXX has reported inaccurate information on credit report which are charged off. That is personal income and should not be reporting. Experian has a balance of XXXX balance and XXXX XXXX XXXX balance. This is inaccurate information on my credit report. Also personal income, which should not be reported.
Consumer complaint received 2022-11-29
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. (AR)

I recently sent a dispute out to Experian on XXXX for an account that doesn't belong to me. I have yet to receive any correspondence from Experian and it has been over 30 days. Under the Fair Credit Reporting Act, the account XXXX XXXX XXXXXXXX must be deleted since Experian has failed to respond to the dispute.
Consumer complaint received 2018-04-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (NC)

XX/XX/XXXX I went to XXXX XXXX to purchase a car for cash. I chose a XXXX XXXX XXXX. I agreed to make cash payments to the dealership within 4 months to pay cash price for vehicle. I gave XXXX XXXX a total of {$1000.00}. In XX/XX/XXXX I started receiving phone calls from Credit Acceptance. The representative informed me that Credit Acceptance Company financed the vehicle. I tried to explain the agreement that I had with XXXX XXXX at the dealership. I never received a Bill of sale, odometer disclosure, flood disclosure or any other documents the dealer is required by the state of North Carolina to provide. I explained to the representative that I did not sign loan documents. I requested that the company send me a copy of all loan documents. Credit Acceptance refused to send me any documents. The Credit Acceptance representative did tell me that the car was finance for {$18000.00} and the payoff is {$10000.00}. The interest rate is 22.5 % over the legal limit usury rate. I received copies of the documents in an email response to the XXXX XXXX XXXX from Credit Acceptance on XX/XX/XXXX, five months after I supposedly signed finance documents to purchase a vehicle that according to XXXX XXXX XXXX is only valued at {$3400.00}. I recently learned that XXXX XXXX has owned many deceptive car dealerships over the years. He changes the name of his dealerships to avoid abiding by the laws. I NEVER AGREED TO PURCHASE A CAR THROUGH FINANCING
Consumer complaint received 2017-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Senex Services Corp. (FL)

I reviewed my credit report and noticed that Senex services was reporting several debts owed by me on 1 or more of my credit reports. I have no knowledge of these debts so I disputed directly with the credit bureaus and their response was that the debts were verified as belonging to me. After several attempts requesting the bureaus provide me with verification and no success I requested directly with Senex that they validate the reported debts. They failed to do so but responded with the attached letter stating that " per my request they will no longer attempt to communication with me ''. However this was not my request it was actually for them to communicate with me and let me know what proof they had that this was a debt that belonged to me, was accurate and they were able to legally collect from the person that owed the debt.
Consumer complaint received 2020-04-28
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: Experian Information Solutions Inc. (NC)

I previously contacted XXXX  XXXX  XXXX  prior to disputing this negative account with Experian, they keep telling me my dispute results came back as being verified when I sent them a letter response from XXXX XXXX XXXX saying that they could not locate an account that Experian says that they verified that I had with XXXX  XXXX  XXXX.
Consumer complaint received 2022-11-29
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: SYNCHRONY FINANCIAL (MA)

Amazon syncB bank is on my credit report as a hard inquiry. I never applied for anything with Amazon. I never tried to get a credit card or see my credit nothing. This is wrong or fraud. I need help please thank you. As of XX/XX/ it was put on there.
Consumer complaint received 2024-03-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: NEW YORK COMMUNITY BANCORP INC (FL)

I called Flagstar Bank on XX/XX/XXXX to discuss repayment options. I was offered to apply for payment deferral which I accepted. At the conclusion of my call, I was told that I would receive a letter with a decision from the lender if payments was approved to be deferred ( Placed at the end of the mortgage ). 

I received a letter on XX/XX/XXXX stating that the payment deferral request was approved ( Two payments would be deferred to the end of the mortgage ). The letter indicated that we must accept the deferral sign, date and return the document by XX/XX/XXXX that once I made payment by XX/XX/XXXX, then an agreement would be sent to me. I uploaded the signed and dated document to my online account as directed on XX/XX/XXXX. 

I spoke to several representatives ( XXXX on XX/XX/XXXX ) who confirmed that my deferral request is approved with the condition that I make the regular XXXX payment by XX/XX/XXXX at the very latest. I stated that I was concerned because the letter required payment by XX/XX/XXXX. I gathered the funds requested and tried to make payment online on XX/XX/XXXX but did not have the option to make XXXX payment ( Website required XXXX payments ). I called on XX/XX/XXXX to make payment, and the representative advised that he saw the letter approving the deferral but for some reason, the account had not been updated yet. I had to return to work and could not continue to hold on the call. Today ( XX/XX/XXXX ) I called again to follow up on my call from the previous day and to make payment. At first the Flagstar Representative ( XXXX ) stated that my account would not be eligible for deferral until it was at least 3 months past due and advised me not to pay XXXX ( I would need to submit another loan mitigation application ). She then corrected herself and advised that my application was closed and that my account is not eligible for a deferral. She stated that I instead would need to apply for a loan medication. The representative told me that the deferral approval letter was sent in error. She claimed that a letter was mailed to me on XX/XX/XXXX explaining as such ( I have not received the letter ). I also asked why several representatives confirmed that the deferral was approved on multiple occasions throughout the month of XXXX, and now I am being told differently only when I am calling to make payment. She indicated that the letter was mailed in error. I made the required payment today as per the deferral approval letter.
Consumer complaint received 2017-09-18
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: Conn's, Inc. (MS)

I purchased a 78inch Samsung TV from XXXX XXXX XXXX, account # XXXX. I paid this account off in full in the amount of {$5500.00}, which is approximately {$1300.00} more than I owe. This account was paid by check from refinance of my home by check # XXXX and cashed by Conn 's on XXXX XXXX, XXXX. To date, Conn 's is still not credited my account with this money and is currently pursuing collections and making negative marks on my Credit Bureau!! I have called Conn 's on a dozen occasions and they continually call me, text me, mail me collection notices telling me I owe months in arrearages with my account! They tell me it could take 3 billing cycles for this to correct and nothing they can do. The mean time, my credit suffers, I 'm harassed and missing {$1300.00} they owe me! I have reported them to the Better Business bureau, Federal Trade Commission, and now your agency. Please help me. I also bought a Refrigerator in XXXX of XXXX and they are reporting my credit that I was late to pay when I had n't even purchased the Refrigerator at that time. 
Respectfully, XXXX XXXX XXXX
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-06-16
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX
Consumer complaint received 2016-09-21
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ROC Asset Solutions, LLC (CA)

XXXX at API ( debt collection agency ), instead of calling me, called my family and friend leaving a message for me that if I did n't call them back today to discuss a claim, that legal action will be taken in XXXX XXXX. When I called them back, XXXX was in a meeting and I talked to another man who told me that if I did n't come up with the {$680.00} down payment ( 10 % of the bill ), in 24 hours, they were going to forward my claim to XXXX XXXX to serve me at home or at my work. I told him that I could not come up with this within the short amount of time and he wished me luck.
Consumer complaint received 2024-03-31
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-11-25
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (WI)

Since XX/XX/2022 I been having issues with apple Goldman Sachs credit card. I have spoken to managers, provided documents to the the company, filed many complaints, and now they have closed my accounts because " i broke the terms of agreement ''. I called apple, they told me my account " may not be re-opened ''. 

I am BEYOND XXXX my {$7500.00} credit limit is gone out the window, my credit took a hit, my account was closed, I keep getting emails I owe XXXX dollars to the bank. How can I owe when I been asking for proof, what I owe, how, much I owe, why my account was closed, I have been VERY patient with this company, but this is not acceptable.