davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-28
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2020-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

On XX/XX/XXXX, I refinanced my house located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX through a loan company called XXXX XXXX. The loan was done to pay off my back taxes on a XXXX XXXX. The loan servicer was XXXX XXXX XXXX XXXX. They took an excessive escrow amount for impounds on property taxes. A payoff processing fee of {$7600.00} and additional amount of {$6700.00} for property taxes which total to {$14000.00}. My interest rate was suppose to be 5.7 % but they changed it to 5.8 and included a prepayment penalty on loan document signing. The payment schedule is confusing on the loan disclosure. It states that the monthly payment will be {$1600.00} which included principal and interest. Now, my mortgage statement says this will only include interest and they have my monthly payments at {$3000.00}. They have not corrected my mortgage payment for the adjustment in property taxes. 

I have called both XXXX XXXX XXXX XXXX department and I contacted Select Portfolio Servicing three times already to correct this. SPS sent me a letter on XX/XX/XXXX about hazard insurance required on the XXXX XXXX XXXX, XXXX XXXX, CA XXXX and they plan to buy insurance at a possible higher cost. I already had insurance and they were sent the documentation. Because of the problems in servicing my escrow account, I notified them in writing on XX/XX/XXXX, that I did not want an escrow account. I told them that I already paid my property insurance/property taxes and plan on paying both in the future. Yet, Select Portfolio refuses to refund the money taken for my escrow impound account and keep sending me for monthly mortgage payment of {$3000.00}, which is incorrect and I can not afford. I have been making a monthly payment of {$1600.00} on time for the first 120 months which is stated on the first page of the loan documents. I want my escrow money refunded, my mortgage payment reflecting {$1600.00} to include principal and interest. I'm worried that they will foreclose on me for not paying the mortgage amount that they are requesting. I would greatly appreciate if you would investigate this matter and resolve it. 

Sincerely, XXXX XXXX Loan # XXXX
Consumer complaint received 2024-01-03
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. (AL)

I have no idea why these are reporting on my credit file please remove inaccurate information or face fines Transunion is already liable to pay over XXXX XXXX XXXX  because of fraud and inaccurate information.
Consumer complaint received 2020-03-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/XXXX, Wells fargo denied the refinance of our XXXX XXXX XXXX. We were trying to lower our payments due to the Covid-19. The lowering of these payments would help save us $ XXXX/month which we could put towards savings to help off set the salary reductions we experienced as a result of the virus. 

Wells Fargo denied us stating that a reduction in payment of $ XXXX/month wouldn't not improve our financing situation. What they really said was Wells Fargo 's financial position would not be improved. 

We have paid our loan on time for over 3 years ... never once missing a payment and this is how we are repaid. I attempted to speak with the underwriters and they just said the same thing.
Consumer complaint received 2020-03-25
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. (AR)

I found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$420.00}
Consumer complaint received 2020-04-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Credit Network Inc (MO)

This matter is arising out of a dispute with Financial Credit Network.  They are attempting to collect an unverified debt from XXXX XXXX allegedly originating in 2017. Despite my request I have yet to receive sufficient documentation to validate the debt, nor have i received a breakdown of the interest and fees. Of note, the Statute of Limitation in the State of Arizona is three years. This beg the questions, if this agency even is pursuing this debt legally. Furthermore, the representative was rude and dismissive. They have destroyed my credit and continue to report this " MEDICAL '' debt to the three credit  bureaus, despite my strong denial of ownership of this debt. I would like my credit report updated and this erroneous error rectified, immediately if not sooner.
Consumer complaint received 2022-12-28
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)

I asked the credit bureau to complete a thorough investigation of my report. They stated everything was accurate. After i completed my investigation, I verified there was multiple improper inaccuracies on my report. I have attached all account numbers and names to documents for review. 

In accordance with the fair credit reporting act my rights has been viloated. 

15 U.S.C 1681 section 602A states i have the right to privacy.

15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2020-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (MN)

Chase I did not ask you to update anything I asked you to delete the two trade due to XXXX XXXX you refuse to do it and claim that XXXX XXXX removed it can you send me the actual proof of work done in XXXX XXXX remove the dispute box because I have every credit report eating back from last year only thing I need from you is the mark the date in the year of the XXXX XXXX so-called remove the mark remarks there was never any remarks on my credit report and that would put you in violation and I do want to let you know Ive already reached out to the Minnesota Attorney Generals office about your arm organization Im not sure if you and your XXXX XXXX  will get it or your legal team will but our regarding your last response via the CFPB website portal I will be forwarding that information to the Minnesota states attorney office And my last dispute the bill the XXXX website also with each creditor you claim that you will not be investigating because when I send you factual basis proof that the account is not reporting correctly oh update no you need to delete the  accounts immediately both of them I ask you will be sued for {$1000.00} per and I repeat per credit bureau if you dont believe me try me
Consumer complaint received 2020-03-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (IL)

I was trading in this car a XXXX XXXX XXXX .. Last minute the deal fell through I made the payment on day 29 but there was a late fee that made me go 30 days over its been years I've shown financial responsibility can this please go.off my record
Consumer complaint received 2022-12-28
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. (SC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 
I have already disputed these items on XX/XX/2022, but the bureaus did not remove them nor did they prove validation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCE CORPORATION (AZ)

On XX/XX/XXXX, I received a call from XXXX at One Main Financial offering a pre-approval in the amount {$1900.00}. She obtain information and had me unlock my credit report. Then scheduled me to come in at XXXX XXXX  to close. When I arrived at the office, she stated that she forgot to send something for verification and advise that I was pre-approved for {$15000.00} which would pay off my existing loan first. Ask if I wanted that amount and agree to the monthly payments of approximately {$600.00}. I agreed, and she came back to say she was just waiting for a verification then she would schedule me again to close. At XXXX XXXX  she called and scheduled me to come back at XXXX XXXX   to close. After waiting 30 minutes, the manager stated that underwriting is requesting a XXXX copy of my social security card because of the credit alert on my credit report. She advised that underwriting was closed so she would have to call me tomorrow. On XX/XX/XXXX XXXX advised that they would only accept a color copy of my social security. On XX/XX/XXXX, I submitted a request to XXXX via email asking that they accept my W2, IRS PIN letter, and passport to confirm my identity. I also submitted a complaint to their customer service line. On XX/XX/XXXX, XXXX finally called me back and stated that they agreed to accept those items. On XX/XX/XXXX, XXXX called to state that they were unable to proceed with the application because they were unable to verify my income. I submitted my most recent pay stub, and my XXXX W2. They did not request any additional items. Income verification is the easiest part of this process. I could have provided bank statement and given them by HR company contact information. She refuse to provide any additional information and stated that I would receive a letter. This feels like discrimination. It was my understanding that they simply need to verify my identity because of the credit alert. BTW ... They required none of this for the original loan, and my credit alert was on my account then as well.
Consumer complaint received 2020-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA (GA)

Fedloan still reporting on credit report even though account shows closed and well over 7 years. 

Fedloan XX/XX/2012 {$4500.00} Fed Loan XX/XX/2012 {$9100.00}
Consumer complaint received 2020-04-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: PNC Bank N.A. (IL)

I went to XXXX XXXX XXXX with an ad to purchase a XXXX XXXX XXXX for {$16000.00}. I was told this was the purchase price and signed documents with the correct purchase price. When I was at the dealership, I informed them that I did not want my credit pulled repeatedly and that I was already financed with XXXX  XXXX. They stated that they could not give me the sale with XXXX XXXX and that they would run my credit with one other company. They ran my credit with 9 other companies. When I left the dealership they gave me a manila envelope which they stated contained the financial documents. A few days later, I received an email from the dealership stating that I needed to pay {$500.00} more. The dealership was unable to explain the purpose for the additional {$500.00}. When I received a copy of my credit report on XX/XX/XXXX, I noticed that PNC listed the loan for {$33000.00}. I contacted PNC to find out why and they informed me that the documents from the dealership provided these amounts. I went to the dealership on XX/XX/XXXX but was informed that the general manager was not there. On XX/XX/XXXX after two weeks of trying to reach the dealership, I sent an email. I went back to the dealership on XX/XX/XXXX to inquire about the mix up. The general manager, " XXXX '' printed a copy of the documents and I noticed that the documents did not contain my signature or initials and that someone had forged a signature that did not look like my signature nor appear to be my name spelled correctly. I informed the XXXX that I did not sign those documents and that there was fraud. He offered to give me {$3000.00}. I explained that it would not resolve the issue of being overcharged by {$16000.00} and he informed me that there was nothing that he could do and that his employees would not forge someone's signature. I did not authorize anyone at the dealership to sign my name. I never saw the documents with the {$33000.00} amount until I obtain a copy of the altered documents on XX/XX/XXXX. I immediately contacted the bank, police, and credit bureaus to inform them of the fraud.
Consumer complaint received 2022-11-05
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. (TX)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX are both reporting late payments on an account that was charged off a year ago the XXXX XXXX account has recently closed. I surrendered the vehicle in XX/XX/XXXX, it was immediately sold at auction according to the bank but are still showing late payments as far out XXXX showing my last payment was made XX/XX/XXXX also inaccurate reporting. i want this account remove for inaccurate reportibg immediately.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts and inquiries : XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX XXXX  - XXXX, XXXX XXXX  - XXXX, XXXX  - XXXX, XXXXXXXX XXXX  XXXX XXXX, XXXX  - XXXX, XXXX XXXX - XXXX, XXXX - XXXX, XXXXXXXX XXXX  - XXXX, XXXX - XXXX, XXXX  - XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX  - XX/XX/XXXX,
Consumer complaint received 2022-12-28
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: Experian Information Solutions Inc. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-26
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 — Was not notified of investigation status or results
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-03-24
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. (FL)

I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.