davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-09
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: Experian Information Solutions Inc. (NC)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2020 ; XXXX XXXX XXXX Balance : {$8100.00} ; XXXX XXXXXXXX XXXX : {$300.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$860.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$620.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX : {$160.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$850.00} ; XXXX XXXX XXXX XXXX XXXX : {$800.00} ; XXXX XXXX XXXX : {$4900.00} XXXX
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I am dismayed by the capability of the Credit Reporting Agencies to retain disregarding a consumer 's appeal for the alteration of the disputed account on my Credit Report. Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account saying that the information they gave is precise, with which I seriously disagree. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct the account immediately! 

XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-11-09
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: ALLY FINANCIAL INC. (VA)

I have no knowledge of the accounts listed below. The accounts were place on my credit report that seems to be fraud activity. 

XXXX. XX/XX/XXXX ally financial XXXX auto loan services-i attempted to dispute they would not removed the fraud inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX knowledge of account XXXX XXXX XXXX XXXX XXXXthis inquiry is on my credit report twice and is fraud XXXX XXXX XXXX XXXX XXXX XXXX fraud I have no knowledge of account XXXX XXXX XXXX XXXX fraud account is on credit report twice XXXX XXXX XXXX XXXX fraud account XXXXXXXX XXXX XXXX XXXX XXXX  fraud account XXXX XXXXXXXX XXXX XXXX XXXX XXXX fraud account XXXX XXXX XXXX fraud account XXXX XXXX XXXX XXXX fraud account XXXX XXXX XXXX XXXX fraud account XXXX XXXX XXXX XXXX fraud account XXXX XXXX XXXX XXXXXXXX  fraud account XXXX XXXX XXXX XXXX XXXX XXXX  fraud account XXXX XXXX XXXX XXXX XXXX XXXX fraud account
Consumer complaint received 2022-11-09
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. (OH)

In accordance with the Fair Credit Reporting Act 15 U.S. Code 1681c2 - Block of information resulting from identity theft. I did not sign any contract with a collections agency, I am not legally obligated to them. The items below have violated my rights. 

XXXX. XXXX XXXX XXXX XXXX  - XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

Good morning paypal, My account has place a limitation without any reason. 
XXXX. 
I never submit my ID, after i change my password the account was permanent limited. 
I dont understand what happend, it nothing wrong on my account. 

I will glad paypal help me to resolve this issue. 

XXXX XXXX
Consumer complaint received 2023-06-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (NM)

My husband and I purchased a XXXX Manufactured home at the end of XXXX. It was financed by the only company that would finance a home before it was built. The interest was high at 6 % and payments were really not what we expected. {$1500.00} a month. We were thinking just to get through until we could do a refinance with someone else. They already had {$35000.00} down, ask for another {$10000.00}. We had an exhaustive full year of not being accepted for refinance. We hung on as long as we could. This was during Covid. Prices were incredibly high. We did not foresee this. XXXX was 1st to attempt the refi, then XXXX, then XXXX. All shot down for various reasons. Would go into detail later if need to. We borrowed money from a sister to see us to end of XXXX. Had to finally file XXXX XXXX bankruptcy with XXXX XXXX office. My husband was not doing well. Impact was too much. My husband died XX/XX/XXXX. 21st mortgage had been sending letters, 8, of them. 4 certified. they are non-monetary notices of default. their intent is to foreclose unless I sign an reaffirmation agreement with them. 21st gave me 3 choices. Pay the full amount, walk away vacate the property or sign the reaffirmation. I had been advised not to by my bankruptcy attorney. My husband had even ask 21st about loan modification or assistance and they were matter of fact rude and said nothing was available for us. I am at a complete loss. I do not want to leave this home. I would like to stay and find a solution acceptable that will not jeopardize me in the future. I want to pay my mortgage, just need to extend the years? lower the payments? decrease the interest/ something. Please help me. Thank you!! XXXX XXXX
Consumer complaint received 2022-11-09
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, 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 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/XXXX, I saw that my credit score dropped XXXX points on Credit Karma and the reason for the drop was this : the XXXX account balance between XX/XX/XXXX and XX/XX/XXXX dropped a total of {$1100.00} from {$6300.00} to {$5100.00}. 
I didnt know that my score would drop drastically for paying a credit card down. I am also getting a red flag for not having my auto loan paid down, I am halfway through and havent missed a payment as well as my mortgage payment which I just purchased a home and made my first payment on time. Why is that going against me?
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (TX)

XXXX and Bridgecrest shared my personal information with multiple companies without my consent or giving me the opportunity to opt out. 
I also requested a cancellation of debt from the Trustee XXXX XXXX. 
I have sent the US code, CFR and IRS documentation to update the debt payments on my credit report.

They are abusing their power and sharing information without permission, taking advantage of their resources instead of properly using it's resources for just resolutions.
Consumer complaint received 2022-11-09
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (NJ)

I received a XXXX XXXX XXXX XXXX XXXX  account XXXX  Credit card limit {$3200.00} Someone stole my identity and I believe its a fraud because I applied for a job online and I worked for them almost XXXX months then they disappeared. 
The company website XXXX I reported them to the FBI and the XXXX XXXX XXXX yo investigate the issue.
Consumer complaint received 2022-11-09
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: Experian Information Solutions Inc. (GA)

Notice to Principal is Notice to Agent, Notice to Agent is Notice to Principal and I am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder of due course for any and all derivatives thereof for the surname/given name ; XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX and autograph as the XXXX attorney in fact, so be it ; As the natural man the company has violated my consumer rights in more than one way and has caused damage to my reputation.

15 U.S. Code 1681 ( a ) States : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

It is a fact, no authorization nor consent was provided to post on my credit profile. 

It is a fact, no contract was signed with wet ink between me and this credit reporting agency to collect personal financial information. 

It is a fact, that my right to privacy is being violated by use of unfair credit reporting methods. 

It is a fact, that my consumer rights are being violated.
Consumer complaint received 2022-11-09
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. (PA)

Im a victim of identity theft. XXXX, XXXX, Equifax and their non affiliated 3rd parties are violating the Fair Credit Reporting Act and the Gramm Leach Bliley Act. They are infringing on my privacy without any lawful consent from me and causing damage to my creditworthiness and reputation. SEE ATTACHMENTS
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Ive been disputing this inquiry for several month now. They have a derogatory account of {$61.00} when all my payment have not only been paid on this account in full but on time. This has negatively impacted my credit score and Ive showed them countless time that I have proof of this payment coming directly out of my checking account. They fail to take it off my credit report.
Consumer complaint received 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$1300.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (FL)

My bank account was hacked, and someone has accessed my Username and Password to turn on my Debit Card. I was alerted by email, that they had breached the account. I then changed the Password, and ordered an new Debit Card. Also, I have had problems in the past. Someone used my debit card XX/XX/2022 to make a {$99.00} purchase from a fictitious XXXX XXXX. The same day I had made a legitimate purchase using the same debit card from the legitimate XXXX Website. Which indicates they know where I live, and my Wells Fargo Debit Card Number, and possibly XXXX  Number. They have also accessed the exact place ( XXXX ) that I'd made a purchase, and the exact amount I used the card to make a purchase for {$99.00}. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-11-09
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have no knowledge of the accounts listed below. The accounts were place on my credit report that seems to be fraud activity. 

XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX-i attempted to dispute they would not removed the fraud inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX knowledge of account XXXXXXXX XXXX XXXX XXXX -this inquiry is on my credit report twice and is fraud XXXXXXXX XXXX XXXX XXXX XXXX XXXX fraud I have no knowledge of account XXXX XXXX XXXX XXXXXXXX fraud account is on credit report twice XXXXXXXX XXXX XXXX XXXX fraud account XXXX XXXX XXXX XXXX XXXX fraud account XXXX XXXX XXXX XXXX XXXX XXXXXXXX fraud account XXXX XXXX XXXX fraud account XXXX XXXX XXXX XXXX fraud account XXXX XXXX XXXX XXXX fraud account XXXX XXXX XXXX XXXX fraud account XXXX XXXX XXXX XXXXXXXX fraud account XXXX XXXX XXXX XXXX XXXX XXXX fraud account XXXX XXXX XXXX XXXX XXXX XXXX  fraud account
Consumer complaint received 2017-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SACOR FINANCIAL, INC (MI)

A collection company called SACOR FINANCIAL with their representative called XXXX XXXX XXXX, came to our house in XXXX broke our garage door took XXXX XXXX and his XXXX truck to their possession told us because we have a judgment against us that they can seized any valuable things from us for non payment. I was XXXX XXXX XXXX was in a XXXX because I never, never knew my husband took a loan on my name and his without me been aware of at the first place. 

He paid {$5000.00} to get both cars out. Then XX/XX/XXXXthey came again took his car again lucky for that time mind was n't there, that time he could not do nothing to get it back because he was n't working. 

In XXXX they again came to the apartment I am at, took my XXXX XXXX XXXX car away I called SACOR FINANCIAL asked them how can I get my car back, SACOR told me I have to talk to XXXX XXXX XXXX which I did, he said to pay {$2000.00} to him then agreed to make a {$500.00} direct withdrawal payment. I asked both parties to tell me how much was the loan, the {$5000.00} plus both cars taken how much left on the loan both parties can not say why?. I report the matter to BBB they investigate but still nothing so BBB told me they ca n't do anything since both parties refused to corporate so if I want I can take the matter to court and see. I can not afford one so I do n't know what to do. Now thru research on XXXX I came across with you people, I said let me give it a try and see what you guys can help me with.
Consumer complaint received 2022-11-09
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. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX To Whomsoever it May Concern ; This about consumer credit transaction entered with your company XX/XX/XXXX and I extended your organization the credit for the account no XXXX. 

I hereby give your company notice XXXX to 15 USC 1602 ( k ) that your company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didnt even inform me about the cost of credit and the only evidence of the indebtedness was just a computer-generated agreement. 
According to 15 USC 1602 ( 2 ), the term adequate notice means a printed Notice to a cardholder which set forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning .Such notice may be given to a cardholder by printing the notice on any credit card, or each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 
Since adequate notice was not given as per the above mentioned section, I couldnt understand its meaning which is a violation under 15 USC 1602 ( K ).

Further pursuant to 15 USC 1601 ( A ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction, therefore made an uninformed decision and it resulted in multiple billing errors, and unfair card practices.

From your end I have not benefited from this transaction which is again a violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), The term Unauthorized use means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from which the cardholder receives no benefit. 
I hereby request you to do the below mentioned XXXX. Remove all late PAYMENTS Ive been affected dramatically by these billing errors, denied for rental agreements and more. If you accept my request, I will not escalate this matter to Federal Court. In case you dont accept the above request, a legal action shall be taken against your company for compensatory damages. 
Thank you for your attention to this matter Sincerely XXXX XXXX
Consumer complaint received 2017-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WA)

We are making more than the minimum payment so the loan can be paid off. I asked specifically for the extra money to be placed on the principle, but they refuse. Even though we are making extra payments every month, our next payment due date is in 2025. 
They refuse to put the extra money on the principle. 
I asked for a payoff amount and they wo n't give me one, because of the problem with the interest on money that is projected out to 2025. 
They wo n't allow me to make separate payments on the two loans. I have to pay one amount and they decide how it is allocated.
Consumer complaint received 2021-06-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CREDIT ACCEPTANCE CORPORATION (GA)

I already have one complaint in process. I received a call from XXXX XXXX ( Regulatory Compliance ) from Credit Acceptance Corporation. She called to let me know that an investigation had started from mynprior complaint. She began to ask me questions that already had documented answers. I have no time to be interrogated because of miscommunication with Credit Acceptance Corporation. Then to make matters more frustrating I received a letter saying that I owed {$150.00}. Please help in resting this issue. I do not wish to be contacted by them again