davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed the items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you.Please block/remove these files. 
XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance 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 If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-03-22
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I am a victim of fraud I have 21 hard inquiries That I did not approve of -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 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 XXXXXX/XX/XXXX CREDIT ACCEPT CORP/CAC ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2022-10-17
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXXXXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, Has violated my rights. 

15 U.S.C 1681 section 602 A Section 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.

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.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I am writing to dispute the inaccurate information on my credit report. Upon reviewing my credit report, I have noticed several old names and misspelled names that do not belong to me. I am requesting that these names be removed from my credit report immediately as they are inaccurately reflecting on my credit history. 

The incorrect names on my credit report are causing a negative impact on my credit score and are not a true representation of my creditworthiness. I have attached copies of official documents such as my driver 's license and social security card to prove my correct name and identity. 

Furthermore, I have also noticed other inaccurate information on my credit report such as incorrect account balances and fraudulent charges. I am requesting that these inaccuracies be investigated and removed from my credit report as well. 
Section 609 of the Fair Credit Reporting Act ( FCRA ) allows consumers to request all information in their credit files, including the source of that information. Section 623 of the FCRA allows consumers to request an investigation into disputed information, which can help correct errors and ensure the accuracy of their credit report.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

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 XXXX XXXX XXXX is 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 2023-05-25
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc. (NY)

Convergent company started calling my home regarding an energy debt, I explained to them that I do not pay energy bills where I reside, I have been a resident here for over 25 years, and our complex has its own power plant whereby energy bills are included in our monthly maintenance bills. On XX/XX/2023, I received a letter regarding the energy debt in the amount of {$200.00}, after receiving the bill I called and spoke with XXXX XXXX, she promised that she would take care of the issue and that I did not have to do anything, On XX/XX/2023, I called again to plead my case. I decided to apply for my credit report, and it's a good thing that I did, because Convergent is on my XXXX report. I decided to give Convergent one more chance to clear this up. On XX/XX/2023, I called Convergent again and spoke with XXXX XXXX, XXXX XXXX asked me if I received a fraud package in the mail from Convergent, I told her that I had not, XXXX XXXX said that is the only way they would remove me from the collection list. I ended the conversation. I am a XXXX XXXX, worked over 35 years in the city of XXXX XXXX, I pay bills that I incur, I do not borrow or owe anyone or company anything. I would appreciate it if this Convergent company would go away and leave me alone.
Consumer complaint received 2023-03-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (MA)

My last payment of {$500.00} for my car loan was processed, but my balance increases by over {$100.00}. I've been paying on this car for XXXX  years and haven't made a dent in the loan. Something fishy is going on here.
Consumer complaint received 2024-03-18
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)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-05-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (OK)

XX/XX/2023 payment was made on XX/XX/2023 cleared our bank on XX/XX/2023 and returned by mortgage company on XX/XX/2023 with no explanation. Made a phone call to mortgage company on XX/XX/2023 was told on a recorded line that payment status was fine, and did not show returned payment. Paid the XXXX payment again of XX/XX/2023 cleared our bank on XX/XX/2023 and then was returned by mortgage company again on XX/XX/2023. Paid the account again on XX/XX/2023, cleared our bank on XX/XX/2023. XXXX was again returned this morning XX/XX/2023. Called the mortgage company again, and they are claiming it was because of insufficient funds, however our bank is not returning or refusing payment, as plenty of funds are in the account to cover the payment. They are now refusing to take any payment from us for either XXXX and now XXXX, and our online account shows " misplaced funds '' and will not allow us to make any payments on the online system. They reported us as 30 days late back on XX/XX/2023 when the payment isnt even due until the XXXX of the month. This is the second time in 6 months that they have report to the credit bureau 's of us being 30 days late on payments that we were not late on. Mortgage lender has defaulted 4 times in less than a year to pay our insurance out of the escrow funds in a timely manner, which has raised our cost of insurance due to poor payment history. The mortgage company refuses to resolve this matter, and refuses to allow us to speak to a supervisor. Now they have made it impossible to pay anything on the account. Bank statements can be provided, along with a letter from our bank proving that our bank not only did not refuse to honor the payments, but they did honor them, and the mortgage company re-deposited the monies to our account.
Consumer complaint received 2017-07-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (KY)

On  XXXX / XXXX /17 a payment was made through my bank account for my mortgage payment to Ditech Financial LLC to an accidental incorrect account number. (  XXXX  ) A month later I get a letter in the mail saying the payment was never made because I had accidentally typed the wrong account number in payment information. I called Ditech Financial immediately and made two months payments on  XXXX / XXXX /17 to make the account even and Ditech said they would do a research to find funds and apply it to the account. That has never happened. I have filed at least four disputes to get the money back and they keep saying they can not locate the money even though my bank has faxed Ditech the Federal Trace information numerous times to show with 100 % certainty the money was sent and they have the money. I had the bank three way call Ditech with me to verify that funds were sent and they never came back to my account because of a bounced back payment from Ditech. Since Ditech can not find the money in their system they keep denying the dispute. I understand I made a mistake with typing the wrong account number but Ditech Financial for sure received the payment in their account and refuse to make right of my overpayment for my mortgage.
Consumer complaint received 2024-03-18
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.

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 2023-03-17
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 THESE 14 ACCOUNTS HAVE VIOLATED MY RIGHTS.

15 U.S. Code 6801- PROTECTION OF NONPUBLIC PERSONAL INFORMATION 15 U.S. Code SECTION 602 A STATES THAT I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1861 SECTION 604 A SECTION 2 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN CONSENT 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
Consumer complaint received 2023-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/22, my company XXXX XXXX XXXX was debited {$4000.00} by Bank of America and those funds were sent to an unknown individual. I contacted Bank of America on XX/XX/22 to report the fraud. I was told by an employee of Bank of America that my funds would be recovered since the unknown party has an account at Bank of America. 45 days later, Bank of America sent me a letter refusing to refund my funds and to pursue the unknown party. I filed a small claims lawsuit to recover the funds from Bank of America. During mediation of the dispute the Bank of America representative finally gave me the name of the unknown party. He told me to call a department at Bank of America and they would provide the unknown party 's home address so I could file a police report. When I called the number I was told no information would be provided. Today at the small claims hearing the attorney representing Bank of America lied to the judge claiming I never told Bank of America the transaction was fraudulent. That has always been the case and I informed Bank of America in a timely manner of the fraud under Reg E.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-08-08
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (MN)

I'm a XXXX XXXX XXXX XXXX XXXX XXXXXXXX veteran since XX/XX/ I had XXXX separate loan companies for my student loans. I applied for discharge through Nelnet in XXXX and received a letter from Great Lakes dated XX/XX/ that my account was closed and they updated my credit information in XXXX that the account was closed. NELNET LNS never updated my information with the credit companies so I filed a dispute XX/XX/ through XXXX on XX/XX/ the dispute was updated with no change. I logged into my Nelnet account that shows a balance of {$0.00} at that time, I then called them and asked about the dispute and was told that the information on their side shows I still owed around {$120.00} when I asked how that could be because it's a discharge from Dept of Ed all I got was the run around from the person that it was possible to still owe money which I knew was not true. I figured I would wait a while and see if my credit info gets updated as of today it is still on my credit report. I just also logged into my Nelnet account and instead of a discharge it shows a payment on XXXX of other and yet I still have an incorrect balance on my credit report.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2023, unbeknownst to me, I was added as an authorized user to a Capital One credit account that I did not consent to. As a result, my credit score decreased XXXX points. Capital One could not find me on any account so I contacted XXXX. They contacted someone ( I dont know who ) to dispute and remove me from said account. As of today, XX/XX/2023, I am no longer seeing that account and am under the impression I was successfully removed. However, this resulted in an additional XXXX points removed from my credit score. Authorized users are not responsible for the debt of the cardholder, whether they give consent or not. I am demanding that this affiliation be removed from my credit report, restoring my score to its correct number within 30 days pursuant to the Fair Credit Reporting Act and that a new credit report is sent to me once this has been completed.
Consumer complaint received 2024-03-30
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)

On XX/XX/2XXXX  I mailed out my disputes to each of the credit reporting agencies requesting that validation of two collection accounts that appeared on my reports. I sent each dispute through USPS Certified mail with tracking and signature upon receipt. XXXX received my dispute on XX/XX/2024 at XXXXXXXX XXXX according to the tracking. XXXX received my dispute on XX/XX/2024 XXXXXXXX XXXX according to the traciking. The Dispute that was mailed to Equifax was lost in the mail so I sent out a new dispute on XX/XX/2024 also using certified mail and that dispute was received on XX/XX/2024 at XXXX according to USPS tracking.In this dispute I requested that each CRA verify the validity of two collection accounts listed on my credit report. the collection accounts are owned by XXXX XXXX and XXXX XXXX XXXX first account being in the amount of {$5300.00} and the next in the amount of {$1600.00}. I formally requested that they investigate the accuracy of these collection accounts and provide me with all pertinent information gathered during the verification process. That would entail but is not limited to : 1. Verification of the debt amount and its validity.

2. Documentation showing the original creditor and the nature of the debt.

3. Proof of any agreements or contracts that authorize XXXX XXXX or XXXX XXXX XXXX to collect on behalf of the original creditor. 
4. Any other relevant information related to the account in question. 
Furthermore, I requested that all correspondence regarding this matter be conducted through certified mail with a signed receipt to ensure proper documentation and delivery. I also included in the dispute that under the Fair Credit Reporting Act ( FCRA ), it is my right to request verification of any disputed items on my credit report and I expected a thorough investigation and prompt response within the time frame mandated by law. Each CRA " completed '' their " investigation '' no less than a week and did not conduct a full investigation on these accounts nor was I contacted or sent any feedback in regards to the validation of these said debts. I also have a document directly from one of the reported collection accounts ( XXXX XXXX XXXX ) that has a different account number than the one that is being reported to the credit bureaus and when I called and reported this to Equifax and XXXX, it was " investigated '' and still verified as accurate which is in direct violation of consumer law and is subject to a civil action. I have given the CRA 's ample time to do their investigation and nothing was done about it. I want these accounts removed immediately due to the CRA 's violation of reporting inaccurate and damaging information to my credit reports all while reporting it as " verified ''
Consumer complaint received 2023-03-17
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. (NY)

My student loans have changed hands several times over the years ( not by my doing ), and therefore so has payment history. This private loan is unknown to me, and no mail correspondence was sent regarding these bills. All private loans were paid in full. I would like it removed as they can not provide loan specific signature pages. I have also been the victim of identity theft and had several accounts opened in my name, so I am concerned this may be the case here as well.
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (SC)

My email and XXXX got compromised. One XXXX notices two of my accounts had charges go through that I did not authorized. I shut cards down immediately and called banks and filed fraud disputes. First bank handled it fast. Truist processes the claim a month later never ask me for details they send letter denying the claim. It was {$170.00} Im glad I caught it when that charge went through since I would be on the hook it looks like for any other chargers I research the internet many customers complain Truist denies fraud claims. They advertise fraud protection but dont stand behind it XXXX also advertises it and its funny because my other bank handled it without issues. I want my money back its an unauthorized charge I process thousands on that debit card every month they are suppose to be on the look out for fraud but apparently the customer has to be the vigilant one and be the one to cover the fraud charges that visa and Truist claim to do for you.