davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-04
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)

My identity has been compromised and even made me a victim of the dark web. I'm now dealing with unauthorized and unknown accounts that I'm demanding be removed from my credit file immediately. Not one single credit reporting agency delivered A Method Of Verification of any sort to my persons. Therefore, I'm requesting these accounts be removed. 

1 ) XXXX XXXX {$22000.00} 2 ) XXXX XXXX {$100000.00} 3 ( XXXX  {$41000.00} 4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX {$1500.00} 6 ) XXXX XXXX XXXX {$870.00} 7 ) XXXX 8 ) XXXX XXXX  9 ) XXXX  {$1000.00}
Consumer complaint received 2021-07-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

I have been in my home since XX/XX/XXXX and have never missed or paid a payment late. My credit score is XXXX last I checked. I have requested that PMI insurance be eliminated from my payment, but XXXX XXXX XXXX XXXX refuses. They made me pay {$100.00} for a Broker 's Opinion on or about XX/XX/XXXX, but the value only came in at {$300000.00}, and although I paid for the opinion, they did not give me a copy or any of the supporting comps documentation. The broker that prepared the opinion is from the XXXX area ; three hours away from XXXX, TX where I live. Citizens One states I need to have a balance owed of {$240000.00} or less to have the PMI removed. I owe {$250000.00} on my mortgage ; there is no other mortgages on the house and at that balance, my loan to value is 84.2 % ; the XXXX needs to be 80 % or less. In XX/XX/XXXX, I received my XXXX Notice of Appraised Value from the Central Appraisal District of XXXX XXXX ( Texas ) and they indicated my tax value is {$330000.00} which correlates to a XXXX of 77 %. When I requested Citizens One to review this, they just sent me the same letter they did after the Broker 's Opinion. If XXXX County believes the values in the area are higher based on sales they have seen in the area, then they know more than some broker located in XXXX that is not familiar with this area. All I want is the PMI removed. I have paid XXXX years perfect ; nothing is going to change.
Consumer complaint received 2021-07-04
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. (GA)

My identity has been compromised and even made me a victim of the dark web. I'm now dealing with unauthorized and unknown accounts that I'm demanding be removed from my credit file immediately. Not one single credit reporting agency delivered A Method Of Verification of any sort to my persons. Therefore, I'm requesting these accounts be removed. 

1 ) XXXX XXXX {$22000.00} 2 ) XXXX XXXX {$100000.00} 3 ( XXXX  {$41000.00} 4 ) XXXX XXXXXXXX XXXXXXXX XXXX 5 ) XXXX XXXX {$1500.00} 6 ) XXXX XXXXXXXX XXXX  {$870.00} 7 ) XXXX 8 ) XXXX XXXX  9 ) XXXX {$1000.00}
Consumer complaint received 2018-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Harley Davidson Financial Services Inc (TX)

I have tried to contact them several times. They have reported me 30 days late 8 months and I was not late. They keep telling me thy will get back to me but have not heard back. They also reported 60 day late payments 2 years after it was paid off.
Consumer complaint received 2021-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with Transunion XXXX XXXX  XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 

XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$83.00}
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I sent a letter regarding inaccuracies like inquiries and accounts which are unknown to me on my credit report, and I have not received a response from some bureaus, and it has been over 30 days since my complaint and others took more than 30 days for a response. I strongly feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and since it has been over 30 days so they should be deleted promptly. I demand these accounts and inquiries to be deleted immediately or I will file for litigation due to the stress you have cause me the stress has resulted in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  resulted from stress, the fact that you Equifax, XXXX and XXXX are not respecting my rights as a federally protected consumer has heavily and negatively impacted the fair opportunity to secure any credit lines and or loans with a fair interest rate for my well-being and my children. I am a single mother of a XXXX and XXXX and these inaccuracies have prevented me unfairly to acquire a home and a car to provide my children a safe place to live and a reliable vehicle to transport them to school. My information was also impacted by XXXX, Equifax, and XXXX data breach and it may have got into the hands of the wrong person. I repeat this is misleading in such a way and to such an extent that it has adversely affected credit decisions.
Consumer complaint received 2021-07-03
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: EQUIFAX, INC. (GA)

Equifax is guilty of violating my rights under the Fair Credit Reporting Act, Section 609 They are not reporting all of my accounts despite the vendor 's timely notification. 

They are not accurately reporting my accounts, instead showing incorrect balances. 

There inquiries on my credit report I didn't authorize.
Consumer complaint received 2022-10-27
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: SECURITY CREDIT SYSTEMS INC (TX)

On XXXX I received a call from Security Credit Systems stating that I owed a debt that was not mine. The agent stated a name and DOB that was not mine. The agent then stated they were confused and unsure how to proceed. I then submitted a document via email to XXXX stating the company not contact me. Then on XXXX I received a letter in the mail stating I owed {$11000.00} and if I don't write to then by XXXX then I owe the amount listed on the paper.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I recently pulled my credit and notice an account that was showing up as a charge off. I knew this was inaccurate, so I sent XXXX XXXX a letter to investigate this back in XXXX of XXXX. With their investigation they updated the account and removed the balance they were reporting, as well as they sent me a refund check on that loan ( which was the same amount that they showed I owed. ) So obviously it was inaccurate. Then I sent a letter in XX/XX/2022 to TRANSUNION to investigate the account because TRANSUNION is still reporting it as a charge-off in the payment status. There has been no update, no investigation and this error is harming my ability to finance a home. The account was never charged-off. I have included The letter I sent to them, a copy of the check they sent me for the refund, and the copy of letter I sent to TRANSUNION. 
A PROPER INVESTIGATION, NOT JUST VERIFYING THAT THE NAME AND ADDRESS MATCH, THE ACCOUNT IS REPORTING CLOSED, SO DO NOT RESPOND WITH WE VERIFIED THIS ACCOUNT AND THE ACCOUNTS REPORTING CORRECTLY .... BECAUSE IT IS NOT REPORTING CORRECTLY.
Consumer complaint received 2021-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (TX)

Hello I applied for a credit card with navy federal credit union on XX/XX/XXXX of 2021 and it was denied and turn down due to incorrect credit rating and I send them my copy of my credit report and my other documents they have send me and trying to appeal the decision and I spoke to a supervisor and she was rude this happen on XXXX the XXXX of 2021 at XXXX XXXX  central time and I was unable to get appeal on my Loan/ and unsecured credit card application and I told her it was discrimination based on my race and XXXX and she hung up on me. I have the copies of my decisions
Consumer complaint received 2021-07-02
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. (NY)

XXXX XXXX Date Opened : XX/XX/2015 Balance Owe : {$1000.00} Dispute Status : Account not disputed I am concerned about the reported Balance amount of {$1000.00}, as I think that the actual Balance is lower. I request the amount indicated in the Past Due Information be removed
Consumer complaint received 2021-06-28
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. (NY)

These accounts are fraudulent and need to be deleted from my credit report as soon as possible. I am a victim of identity theft and did not make these charges whatsoever. Please delete these alleged accounts as soon as possible. I reported this and have also included the FTC Affidavit that lists the fraudulent accounts. I have also made a complaint with the CFPB. Please remove these alleged accounts as they are causing a substantial amount of harm and inconvenience to me as a consumer.
Consumer complaint received 2022-10-26
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAINE & WEINER COMPANY, INC. (MI)

Caine and Weiner has violated my Federally protected rights. I sent the attached Notice and they failed to comply. I am aware of the fraud your company is committing. Pursuant to 15 USC 1692 a-3 I am not obligated nor responsible to pay a 3rd party debt collector. I am aware of my SSN belonging to the Social Security Administration and anything purchases with that identifying number is an obligation of the United States according to 18 USC 8 and being that you are attempting to collect on debt that aroused out of transaction that was used solely for personal, family and household purposes making you guilty of the False Claims Act 31 USC 3729-3733. I will report your company to the Federal Trade Commission ( FTC ) as they prohibit holders and purchasers from selling and purchasing consumer credit contract you are violating CFR. 433.2 using deceptive and fraud practice to collect on an alleged debt. You are now on Notice to Cease all Communications from me From all Mediums which medium includes my consumer report. Failure to comply will result in Legal Matters in Federal Court and reporting your deceptive, fraud practice to the FTC.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2021-07-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AMERICAN EXPRESS COMPANY (MO)

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Kansas XXXX. XXXX XXXX XXXX XXXX all XXXX XXXX collection agency-attorney 's representing American Express Bank. These debt collector produced a fradulent service and affidavit to the court with out a full validation of media and original contract and purchase agreements with no signatures. Only to produce copies. The debt collectors filed fradulent service on me a natural lawful consumer in a Missouri State Court using deceit to manufacture a avenue to move forward in this court proceeding knowing they were not following the rules of the FCDPA 15 USC 1962.

In response to the 3 debt collectors breach of contract claim and the 2 default judgment attempts attached it clearly shows that since XX/XX/XXXX in writing that fraud exist when plaintiff, original creditor, agents, and employee 's, debt collector 's which in fact are attorney 's have blatantly disregarded the rules of the FDCPA.
Consumer complaint received 2021-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have a fraudulent account on my report and there is no way to contact XXXX about this. 

XXXX  will not let me login on their website. They will not confirm my identity. When you call it says they can only transfer calls in limited circumstances. Every phone ends with the machine hanging up on you. Beyond frustrating to try and deal with this.
Consumer complaint received 2024-02-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Data Mortgage Inc. (TN)

Rec 'd mail notice of XXXX Tax notice in the amount of {$1200.00} due by XX/XX/XXXX. 
Called Essex Mortgage XXXX and was told the payment was made via wire on XX/XX/XXXX at XXXX XXXX. I called my county office and provided this information while the mortgage company was on same line and they requested a document/confirmation number and the mortgage company could not provide. The county also said they did not have a payment for this date and time. 

XX/XX/XXXX @ XXXX XXXX CST After on the phone for an hour and half, I could not get any other information other than a supervisor will call me back. I received a phone call from XXXX, XXXX and he stated the wire was setup from a 3rd party vendor, XXXX XXXX and he could not provide any other information as there were other home owners information with that payment. 

XX/XX/XXXX I called my county office this morning at XXXX CST and they confirmed the Property taxes are still due.
Consumer complaint received 2024-03-22
Product: Credit reporting 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 have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (CO)

Ive applied for loss mitigation assistance in XX/XX/2022, it took well over a month for the mortgage company to look through the documents I submitted and accept them, I submitted them multiple times, the exact same documents, yet they were deemed incomplete until finally on XX/XX/2022 they deemed them completed. During that time I attempted to contact my specialist with no response what so ever from her. I was given documents that stated I will receive an answer in XXXX calendar days, on XX/XX/2022 I called back from an update. I was told I need to give it an additional XXXX  days as their policy is XXXX calendar days. I gave them the XXXX days. I called and spoke to my specialist, finally, and was told he would look at my application that week, the week of XX/XX/2022. It is not XX/XX/2022 and I have not had any updates, nothing from my specialist, and all customer service reps refuse to help me with anything.
Consumer complaint received 2021-07-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with Transunion XXXX XXXX  XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.

XXXX XXXX {$310.00}
Consumer complaint received 2021-07-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

fraud the person pretends to be hiring manager and makes me believe I got a job. then send fake checks to me and ask me to withdraw cash and send to their vendor 's account. they say it is for the computer and software. but the check is fake and I send my own money to them after I make the deposit. then the check is withdrawn by the bank! I lost my money! and my bank account is frozen by the bank!!!
Consumer complaint received 2024-03-22
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. (WA)

Good day, This is XXXX XXXX XXXX, I understand this violates 15 USC 1681b ( a ) ( 2 ). Both together and separately, my consumer and privacy rights are being violated. Per Federal Law, NO ACCOUNT can be reported to your consumer credit file ( s ) WITHOUT MY WRTTEN INSTRUCTIONS 15 US Code 1681 Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : CONGRESS has stated TRANSACTIONS are NOT ALLOWED to be reported in a Consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MN)

I bought a car from XXXX XXXX that was an XXXX  XXXX XXXX. I had the car from a few months. I volunteered and returned the car due to predatory practices. I was abused and felt compelled to invoked my rights as it pertains to the Truth and Lending Laws. The representatives at XXXX XXXX was understanding that the dealer that I bought the car severely overcharge me. The car has been sold, I was also notified that the closed account will be removed from account
Consumer complaint received 2024-02-26
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (GA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6. 2 states I have the right to privacy ( 15 USC 1681 ( SECTION 604 A SECTION 2 ( it states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.

privacy and consent SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-02-26
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Upgrade, Inc. (NJ)

XX/XX/XXXX I went to upgrade online to make hardship payment {$140.00}. The website showed no payment due for XXXX, but showed payment due XX/XX/XXXX. I called to make sure of no payment due for XX/XX/XXXX. I was told no payment is scheduled for XXXX. I said oh ok so I will pay for XXXX? I was told yes. XXXX I'm back to regular payment {$490.00} which I feel is very high. But due to the website mistake upgrade is stating I am 40 days late. On UPGRADE website customers can't even get statements to see their monthly statements. XX/XX/2024 I asked to speak with a supervisor, her name is XXXX ( No last name ) when asked for ID number XXXX doesn't have an ID number. I've also sent out countless 1099C And 1099A for every payment made, UPGRADE has not canceled the debt.