davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Cactus Jacks Auto Sales (AZ)

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be validated or deleted and removed from my credit record, these items must be removed from the credit report as the mere reporting of items prior to debt validation constitutes collection activity. 

I have not supplied proof under the doctrine of estoppel by silence, Englehart v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

This complaint letter is a private matter governed by the Fair Credit Reporting Act, and Consumer Privacy Bill of Rights. If you fail to heed to this notice, my next step will be to file a formal complaint against this agency with the Federal Trade Commission, the Consumer Financial Protection Bureau.
Consumer complaint received 2021-05-12
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. (FL)

I sent a letter regarding On XXXX2021There have been fraudulent Inquires on my credit report. to this day over 60 days later I have not received a response yet. please remove the Inquires from my credit report They should be deleted before further action is taking I will file for litigation. Please resolve this matter I feel I'm impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (IL)

Hello, My name is XXXX XXXX XXXX XXXX. I co signed a vehicle for XXXX XXXX. He filed for bankruptcy on XX/XX/XXXX. But he settled with the vehicle loan company, Westlake Financial, for the vehicle and bought it. Everything was finalized by XX/XX/XXXX. XXXX sold the vehicle on XX/XX/XXXX to a company, XXXX, after an accident. However, assuming since he bought the vehicle and received the title that it was going to be off my credit. But recently I came to know that the loan was never removed from my credit report. We spoke with Westlake Financial and they claim they have stopped reporting the vehicle loan since XXXX. I tried disputing this with the credit bureaus but they are claiming they cant find my account. I would just like this vehicle loan of my record so I could continue to use my credit.
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

My name is XXXX XXXX XXXX please delete any other version of my name.I had an issue with my information being compromised and my personal identifiers were being used without my permission and without my knowledge. I was contacted by my bank concerning unusual charges and transactions. I have resolved most of the charges, and now I am dealing with addresses and correcting my personal data. My current and only address is XXXX XXXX XXXX XXXX A, XXXX XXXX, OH XXXX. Please delete any other address : XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX XXXXXXXX, OH XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, WA XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, WA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, OH XXXX. 
I do not have any of these phone numbers please delete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
My accurate DOB is XXXX. My SS # XXXX. 
I have found several Inquires that do not belong on my file that I demad to see proof of these unauthorized inquires please delete : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, US SM BUS ADMIN ODA
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

My name is XXXX XXXX XXXX please delete any other version of my name.I had an issue with my information being compromised and my personal identifiers were being used without my permission and without my knowledge. I was contacted by my bank concerning unusual charges and transactions. I have resolved most of the charges, and now I am dealing with addresses and correcting my personal data. My current and only address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX. Please delete any other address : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, WA XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXXXXXX XXXX XXXX XXXX XXXXXXXX, WA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. 
I do not have any of these phone numbers please delete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
My accurate DOB is XXXX. My SS # XXXX. 
I have found several Inquires that do not belong on my file that I demad to see proof of these unauthorized inquires please delete : XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, US SM BUS ADMIN ODA
Consumer complaint received 2021-05-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CA)

I refinanced my loan with Loan Depot in XXXX, XXXX. A Loan Number ending in XXXX was assigned to my account when I closed the loan. Right away, I set up an auto payment from my XXXX XXXX Account to Loan Depot with the original account number ending XXXX. These payments were scheduled to be made by XXXX XXXX over 5 days in advance of the 1st and well before the late date of the XXXX of the following month. The loan payments were made time, and accepted and credited to my account ending XXXX by Loan Depot until XXXX, XXXX. 

For some reason, and without notice to me, Loan Depot changed my account number to a new number ending XXXX even though Loan Depot continues to service my loan. 
In XXXX and XXXX, XXXX, XXXX XXXX continued to pay, timely, the payments to Loan Depot under the old Loan Number ending XXXX. 

Instead of transferring the payment to the new Loan Account number or crediting my account or even contacting me, my timely payments were returned ( after the payment due date and late date for XXXX and XXXX, XXXX. 

I was unaware the payments had been returned. I had set up the auto payments so that I could travel out of state to care for my son who had been in a serious accident and needed hospitalization in XXXX. I did not return home late XXXX to find a late notice from Loan Depot. 

I immediately contacted XXXX XXXX and determined that the payments had been made on time. I then contacted Loan Depot, made a payment over the phone for XXXX and XXXX and asked the Loan Depot representative to investigate what had happened on their end. Loan Depot 's representative acknowledged they had received the payments on time but returned them because they did not have the right account number. Loan Depot then waived the two months ' late charges acknowledging that the payments had been received but returned. I also asked and was informed that they had not reported my loan - " late '' to any credit reporting agency. 

As a matter of fact, the statement was false. The credit bureaus have reflected that my payment was late. This false statement has resulted in a derogatory mark and materially impacted my credit score, and my mother 's credit score ( she is a co-borrower ). After I discovered this, I called Loan Depot and requested they correct the report. This time they refused and insisted I write to their customer service department. I did write and a few weeks later, I was told that they had denied my request - that my payments were late. 

There was no reason for changing my account number and while I did everything to ensure my payments were made on time, this action on Loan Depot 's part, changing my account number and refusal to accept a timely payment has caused serious damage to my credit and to my mother 's. 

I request that Loan Depot take action to correct their false report of my mother 's and my payment history to the credit reporting agency - report my payments as " on time. ''
Consumer complaint received 2021-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

On XX/XX/XXXX and XXXX, after multiple unsuccessful attempts to contact a merchant, I submitted 4 total disputes about charges to my Bank of America credit card, which had been double-billed both to my BofA and XXXX cards. A few days later, I got an alert on XXXX XXXX that my credit score had dropped by about 20 points. I checked my XXXX credit report online and it showed a comment : " Account in dispute -- reported by subscriber ( fcba ). '' That's just not true -- I disputed a few charges, not the whole account. 

After many calls to BofA in which they displayed a total inability to correct a mistake they made, I tried calling XXXX. I didn't want to dispute this account through their online process because the account already is in dispute, and after much XXXX I also wasn't able to find a number to call to file a dispute. XXXX XXXX  online instructions tell you to call the number at the bottom of the credit report they send to you, which you ... have to pay for, apparently? I wasn't able to find any such option available when viewing my credit report online. This is just absolute failure, a chain made entirely out of weak links. BofA doesn't have an option internal to their organization to resolve this error, they point you to XXXX which makes it nigh on impossible to get anything fixed.
Consumer complaint received 2021-05-11
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: Experian Information Solutions Inc. (CA)

On XX/XX/2021 I wrote to Experian to complain that they are reporting inaccurate and incomplete credit information and requested verification of the accounts on my consumer report. It is now XX/XX/2021 and I have yet to be notified of the investigation results.
Consumer complaint received 2022-11-02
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or 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 accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require )., I found that under section 605b ( a ) XXXX, Equifax, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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 is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : 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 item is 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 2021-05-11
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021 I discovered that someone had gotten a hold of my edd debit card number and made fraudulent charges on my card totaling {$4100.00}. I called the card issuer Bank of America and reported the fraud. Bank of America froze my account and issued a new debit card to me. I was told that the bank would investigate my claim and give me a decision. On XX/XX/2021 I got a letter from bank of America dated the day after I filed my claim with them advising me that my claim was cancelled and they were not going to refund my money. Additionally, the amount listed on the letter was much more than the amount that I reported on XX/XX/2021. I called the bank and told them the amount listed on my claim was wrong and asked them to reopen the claim and they did. The claim was again closed with no reason given by bank of America. I also called the merchants where the money was spent and was able to intercept a purchase from a XXXX store for {$2000.00}. I did get that money back bu I am still out over {$2000.00} plus I called Bank of America again and told them to really investigate my claim by calling the merchants because I did not make these charges. The man from the XXXX store told me that a man had a credit card and matching id when he made the purchase, my name was not on either the credit card or the id shown to the XXXX store when the purchase was made. Bank of America never investigated my claim and refuses to give me my money back. I should not have to make these phone calls to track down the person who defrauded me. I should not have to file this complaint. This is ridiculous that Bank of America is getting away with this, they treat their XXXX  customers like dirt. Please help me get my money back
Consumer complaint received 2021-05-12
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. (AZ)

To Whom it may concern : I am sending you this complaint in hopes that you can assist me with getting TransUnion to report correct information on my credit report. I keep telling them I have no idea who opened the account with XXXX XXXX. I never signed any contract or agreed to conduct business with them. Please delete XXXX XXXX from my report and the following inquires XXXX XXXX XXXX XXXX. I keep contacting them and they give me the same excuse each time that it is being sent for review but the outcome is never deleted.
Consumer complaint received 2023-06-02
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. (TX)

It appears that my credit with you has been compromised. I was going through my records & noticed many files 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 and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items 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 these items are 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$1200.00}XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00}
Consumer complaint received 2021-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2021 I wrote to Transunion to complain that they are reporting inaccurate and incomplete credit information and requested verification of the accounts on my consumer report. It is now XX/XX/2021 and I have yet to be notified of the investigation results.
Consumer complaint received 2023-02-26
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. (TX)

On XX/XX/XXXX I faxed a complaint to XXXX XXXX  due to late payments reported on my credit report while I was on a COVID forbearance program, as my wife had contracted XXXX  twice in XXXX and was hospitalized, causing a loss of income and increased medical expenses. I included copies of the mortgage statements that they had sent to me during this period of negative reporting, which clearly state on the statement that You are currently on a COVID-19 Forbearance Plan. See additional information related to COVID-19 Forbearance Notice on page 2. The same statements further state : " IMPORTANT COVID-19 FORBEARANCE NOTICE : You are currently on a COVID-19 Forbearance plan. Please note that the billing statement shows the Amount Due, which is the contractual amount needed to bring the loan current, however, you are not required to make any payments during the COVID-19 forbearance period. In addition, your account will not be assessed late charges, receive adverse credit reporting and there will be no foreclosure action during the COVID-19 forbearance period. Please refer to your COVID-19 Forbearance plan letter or visit your account online for more details. '' However, their response was that while the statements indicated the active forbearance there were other letters sent advising that the forbearance was expiring. However, I extended the covid forbearance and they don't have any documentation stating the forbearance expired or was extended, even though they continued it for a period thereafter.

Furthermore, when I asked for reinstatement options they referred me to the State of Texas website which indicated that my income was too " high '' for any programs and I had to come up with twenty four months of payments in one lump sum to avoid foreclosure. I paid over {$29000.00} to keep my house after being on a government backed forbearance program. How did anyone expect to pay all the months that were deferred in one lump sum payment? Also, during the forbearance period XXXX would not accept partial payments. This was a terrible and frightening experience to have the threat of losing our house after dealing with Covid. I feel XXXX is not supportive of the governments efforts nor the situations that some of their borrowers faced on these unprecedented times. And I would also ask why the government programs could not help all Americans that were on these deferred programs. 
I have been unable to refinance this mortgage or obtain credit due to these marks. It has had an extremely detrimental effect on our lives.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

The balance on my XXXX XXXX Credit Card is showing as {$2300.00} when It was reported on XX/XX/2023 however, my account balance has been {$0.00} prior to XX/XX/XXXX. This false reporting is only occurring on my Equifax credit report. XXXX XXXX XXXX has the balance on this account as {$0.00}. This inaccurate reporting is causing a drastic drop on my Equifax credit score. Please get this information updated as soon as possible.
Consumer complaint received 2021-05-11
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. (GA)

XXXX XXXX has two accounts showing two different amounts on my credit report. I wrote to XXXX, XXXX, and Experian to have these accounts removed. I wrote to XXXX XXXX and they are not showing I have any accounts with their company. 

I disputed both accounts, I disputed owing the debt, I have sent three letters to each credit bureau, and I have asked each company to provide proof of the contract I signed to show this debt and the amount of the debt belonged to me. 

This is my final attempt to have the Credit bureau show proof the debt belongs to me. They have had a total of 120 days to show proof the debt is valid. This is my final attempt before taking all three credit bureaus to State Court for false reporting. 
I started my dispute process with all three credit bureaus on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX. When reviewing the information the date of the last activity was on XX/XX/XXXX. My last contact date with XXXX XXXX was in XX/XX/XXXX. This would make the account more than 10 years old. 

All three credit bureaus are not reporting the same information. Therefore, the information is not accurate and up to date.