davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CO)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.
Consumer complaint received 2022-11-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (SC)

Below is an exchange with the company via XXXX XXXX. Following XXXX XXXX I sent a certified letter explaining my situation and asking them to reach out to me. I received a letter dated XX/XX/2022 welcoming me to the company, listing basic information and FAQs about the company, and my loan information. I was on the verge of having my loan forgiven prior to this company taking over my loan and prior to XXXX XXXX  announcement and I am concerned that I will need to begin making payments again even though my loan should be XXXX at this point. HOURS waiting for a customer service agent is inexcusable. I do not know anyone who has the time to wait that long to speak with someone. 

Via XXXX XXXX : XX/XX/2022, XXXX AM Me- I HAVE BEEN LISTENING TO RECORDINGS FOR XXXX MINUTES!! How do I speak to a live person about my my account?! I tried to create an account online but it said I have already registered. When I clicked the forgot username and password, it said that info in not on file. Also, my account was transferred from XXXX  XXXX and you have not reached out to me yet. 

XX/XX/2022, XXXXXXXX XXXX  MOHELA - XXXX XXXX You will need to speak with us about account specifics as we can't discuss account details here via XXXX Thanks for your patience Me - Can you tell me how to reach someone I can speak with? 

MOHELA - After the recordings are done, your call is then placed in a queue and you will be transfered to the next available representative. It can take hours due to the heightened interest in loan forgiveness Me - Hours is not acceptable. If you were not prepared to handle the influx of calls, you should not have taken my loan. 

MOHELA - We are prepared, however, with the recent announcements about loan forgiveness, now all borrowers are asking and calling. This has created the large wait times.

Me - Also my problem is with the website its self - I have never registered an account but when I try, it tells me I have but then when I try to retrieve the info it says I havent. Fix this IT issue and I wont need customer service. 

XX/XX/2022, XXXX PM MOHELA -Thanks!
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. (PA)

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 XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Self Financial Inc. (TX)

Hello, my name is XXXX XXXX On XX/XX/2022 self financial inc headquartered at XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX Locked my credit card.My credit card was paid and up to date and I have never missed any payments.Self financial sent me a email demanding that I send proof and verifymy wifes debit card I used to pay my self credit card account. 

I have sent everything the asked for from, copies of my wifes bank statments, to pictures of my wifes debit card, to a picture of my wifes social security card, a copy of our texas marriage certificate and even pictures of me and my wife holding our drivers license with our matching addresses.And ther name on her drivers license that matches the name on the card I use.Self has pourpusly and malicously refuse to accept any of my information to show without a showdow of a dought i leaglly and rightfully was allowed to you my wifes debit card. 

Texas is a communiy property state and under state law her account is mine and vise versa, and I have fully athority from my wife to use her account and she has the same authority with my.Self has intentionlly went out there way tp cause me and my family financial harm by cutting off my line of credit for no reason even after all information was provided to self .Im accusing SELF FINANCAL INC OF PREDITORY LENDING. 
under texas qualifications for preditory lending-Predatory lending is any lending practice that imposes unfair and abusive loan terms on borrowers, including high-interest rates, high fees, and terms that strip the borrower of equity. Predatory lenders often use aggressive sales tactics and deception to get borrowers to take out loans they can't afford. 

SELF ENGAGED IN PREDITORY LENDING BY-IMPOSING UNFOAR AND ABUSIVE LOAN TERMS.In the email sent to me XXXX second self demanded that I further provide the same documents even though the documents i provided on XXXX seperate accassion were legitamite, authintic, was from the list of acceptable documents self provided to me to send and they proved without a shodow of a dought that there was no errors.The deception came when self knowing knew these documents were legitamite and accure and still used abusive tactics anyways with there man goal of closing my account.
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. (GA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

Equifax, XXXX and XXXX XXXX are reporting inaccurate information pertaining to a bankruptcy, all XXXX agencies show different information. Under the law all XXXX agencies must report same information XXXX has file date XX/XX/XXXX XXXX has file date XX/XX/XXXX Equifax has file date XX/XX/XXXX Equifax has Ref # XXXX XXXX has Ref # XXXX XXXX has Ref # XXXX Equifax has month of discharge - None XXXX has month of discharge - XX/XX/XXXX XXXX has month of discharge - None Equifax shows address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows address - XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX shows address - XXXX XXXX Equifax shows Type of Court XXXX XXXX XXXX XXXXXXXX XXXX shows Type of Court XXXX XXXX XXXX  XXXX XXXX shows Type of Court - XXXX XXXX XXXX Equifax shows phone # XXXX XXXX shows phone # XXXX XXXX shows none
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I urgently request that you promptly remove the unauthorized ACCOUNTS from my credit report, as I did not provide authorization for them, and they are causing me significant distress. I implore you to correct this error without delay.
Consumer complaint received 2023-11-03
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. (MS)

These Consumer Reporting Agencies have continued to defame my character, as well as with their continued identity theft since I have never given written authorization to share any of my personal information, including BANKRUPTCY to any third party entities. This reporting has caused grave harm not only to my character, by causing humiliation, stress, XXXX XXXX, problems in my marriage, and paying higher interest rates for insurance, etc. According to the XXXX XXXX XXXX XXXX XXXX  XXXX- they do not report bankruptcies to any consumer reporting agencies and the information is only available in XXXX. So these unscrupulous consumer reporting agencies go digging for consumer 's private information just to sell for a profit off of our misfortunes and hardships, just to keep us a slave to subprime higher interest lending tactics. When I call to have something resolved they act like they can not verify me, and YET they see the information on their end, and they continue to send documents to my home address. THIS IS UNACCEPTABLE. I have pointed out discrepancies across all XXXX CRA 's ( INFORMATION IS ATTACHED ) and YET nothing has been done! XXXX is not reporting a Bankruptcy, XXXX and Equifax reporting dates, closing dates, reference number, and name of the court does not match across the board ( I HAVE ATTACHED PROOF ) I DO NOT consent to updating ( you've already stated it was verified and STILL ALL XXXX REPORTING INACCUATELY ) I REQUEST BLOCK/DELETION. No record of this bankruptcy is to be added back ever again. I request that it be removed within the next XXXX business days, and send me an updated consumer report after deleting said bankruptcy. I will SUE IF YOU DO NOT ABIDE BY THE FCRA!
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope this email finds you well. I am writing to follow up on my previous attempts to address the issue of fraudulent items on my account. Regrettably, despite my persistence and your assurances, the problem remains unresolved. 

Despite my efforts to report and rectify these issues promptly, the fraudulent items persist, causing significant concern and inconvenience. 

I urge you to escalate this matter immediately and take all necessary steps to investigate and remove the fraudulent items from my account without further delay. Additionally, I expect transparent communication throughout the process to ensure that appropriate measures are being taken to prevent similar incidents in the future. 

Furthermore, I request compensation for the inconvenience, stress, and potential financial harm caused by these fraudulent activities and the prolonged resolution process. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$2400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX Balance XXXX {$0.00}.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

My issue is with an auto loan from XXXX XXXX XXXXXXXX. Equifax has a 30 day late in XXXX and XXXX but XXXX has XXXX late payments for XXXX & XXXX. I was never late on this loan and the auto was paid and closed between XXXX XXXX. My payment date for the account was the XXXX of each month. Ive sent multiple disputes letters and was told it would take 30 days to investigate. Equifax claimed it was verified. XXXX failed to respond. XXXX claimed verified. I asked all three to send me how the late payment was verified and no response From each credit agency and letters were signed and delivered. I called XXXX  XXXX XXXX to see what was going on and they told me that nothing was never late and they sent the credit bureau the closed paid off account & they stated that no one contacted them about the file because when consumers dispute item they add info in the file and nothing was in my file, so Im wondering how did they verify. XXXX has XXXX XXXX day lates but the car was paid off in XXXX so how was I late? I have no idea and no one seems to know anything. My credit report is clean! And never missed a payment on ANY account. I sent experian a letter that was delivered XX/XX/XXXX and they failed to verify in 30 days and they told me now that my letter was missing and they cant change anything.
Consumer complaint received 2023-07-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (WI)

i last sent and recommend the owner of the loan to adjust the interest payed on my mortgage, which none of my payment was sent to my mortgage principal to bring down my principal. i have a right to have all options to pay off my mortgage. according to the federal trade commission. the owner of loan states they have no authority over the adjustment of my mortgage loan. i want to know if shellpoint has the authority to adjust my principal from XXXX  to XXXX none of my payments are going toward principal all those years.
Consumer complaint received 2022-11-10
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. (AL)

Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent accounts from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any accounts listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of accounts that do not belong to me or were opened without my permission : XXXX Account # : XXXX Balance : {$15000.00} Open Date : XX/XX/XXXX XXXX XXXX XXXX  XXXX Account # : XXXX Balance : {$21000.00} Open Date : XX/XX/XXXX According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-06-07
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: RFNA, LP (GA)

A dispute was filed with XXXX and XXXX informing them they are furnishing inaccurate and incorrect information on my consumer report and that the reporting of the inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes, and the reporting of this inaccurate information has damaged my livelihood. The IRS clearly defines a charge-off as Gross or Ordinary income. Income does not get reported on the consumer report which in fact makes the reporting of the information to my account inaccurate! By Definition, The IRS Clearly says a Cancelled debt or Charge Off ( Certificate of Indebtness ) is Income. Reporting this account as a debt is inaccurate. 15 U.S.C. 1681 section 602 A states that I have the right to privacy 15 U.S.C. 1681 Section 604A Section 2 reads that a consumer reporting agency can not furnish an account without my written instructions. The charge-off accounts on my report are as follows : REPUBLIC FINANCE Account # XXXX
Consumer complaint received 2023-03-13
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Central Mortgage Funding, LLC (FL)

XX/XX/2022, I had refused to sign the as the loan cashout was reduced from XXXX to XXXX from initial disclosure to final disclosure respectively. 

I had accepted to sign the loan only after the mortgage officer pleaded with me to sign the documents on phone while in closing event after the closing agent who had come to my home called the loan officer as I refused to sign. 

The loan officer said that I have until XX/XX/XXXX to rescind. I had accordingly signed and cancelled on XX/XX/XXXX. However, there is a clear trust violation that has happened here as XX/XX/2022 is the fourth day from closing. 

My previous compliant on the company was returned empty handed saying that I did not cancel on due time. You should be aware, I was misguided here and I had trusted the loan officer. 

In your response you had not commented anything on the loan officers deliberate lie to misguide me. 

In order to alleviate my distress and the feeling of being betrayed by the loan officer, I want to atleast convert my creditor checks in my name so that I can utilize them on a water damage repair to my home as I have claim, I had earlier used that money to my failing business to survive my situation. 

Pls. let me know if you can do that, that way, I can atleast find some benefit over an immediate expense I have that way, I can get rid of the anger, distress and feeling of being betrayed by your loan officer. 

The checks and check amounts pertain to the following creditors are 1. IRS Repayment plan ( {$4900.00} ) XXXX. XXXX XXXX ( {$3700.00} ) XXXX. XXXX XXXX XXXX ( {$1900.00} ) XXXX. XXXX XXXXXXXX ( {$1700.00} ) Pls. change it to my name and send.
Consumer complaint received 2018-04-16
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 — Investigation took more than 30 days
Company: All State Credit Bureau, Inc. (MI)

This complaint is based upon not receiving a response from Allstate Credit Bureau after sending a letter requesting information from them. On XX/XX/XXXX, I mailed a letter asking for validation of the debt in which they are advising that I owe an amount of {$200.00} on account number XXXX. As of today XX/XX/XXXX, Allstate Credit Bureau has failed to respond to my request of this information. I am providing a copy of the letter that was mailed to them, in addition to the certified mail receipt and proof of delivery. At this time, I am requesting immediate removal of this account from the credit bureaus of which this information is being reported. I look forward to your time and attention to this important matter.
Consumer complaint received 2023-06-19
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)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 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 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please delete these accounts ASAP.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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. (PA)

An account was opened in my name and contains errors on my credit report. XXXX bank refuses to provide any info as my information does not match what is in there system. I have been trying for two weeks and they tell me that they transferred the account to a collection agency and the collection agency says they transferred to XXXX bank. When you call XXXX they are now unsure where the account is and need 30 days to locate status of the account while reporting monthly that this account is charged off on my credit reports.