davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-30
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: EQUIFAX, INC. (MS)

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Consumer complaint received 2021-07-30
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. (NY)

I previously notified Experian that I am a victim of identity theft. There response is that they verified fraudulent items from my complaint. I would like to know how, and when Experian can VERIFY a fraudulent account, when I have Stated that I am a victim of identity theft.
Consumer complaint received 2021-08-02
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (TX)

Credit Acceptance has given me the most horrible experience. Their company has a history of complaints and unethical practices. Its motto, " We change lives, '' yes they do change your life to XXXX. They have been reporting on my credit for over 5 years now and adding interest I am assuming not sure because the car has been with their company for over 5 years and the interest just started in XXXX. I reached out to them, and they sent me a payment history that is so different than what they are reporting on my credit report. I called and spoke to someone and they told me my account is open when for 4 years my account was closed. How does a closed account become reopened with no merchandise? Credit Acceptance 's loan performance disclosures belie a deeply flawed business model. In XXXX, Michigan thus far in XXXX, nearly one in eight of all available civil lawsuits filed in the city involve Credit Acceptance suing borrowers. They have been untruthful regarding Truth In Lending Act violations due to hidden finance charges. I want this company to " do the right thing ''. Something is wrong with the morals and ethics of this company. People are more than just a profit. Do honest business with clients. Please stop reporting inaccurate and start practicing ethical business with customers.
Consumer complaint received 2021-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (FL)

I have been attempting to contact Amerihome Mortgage to have the value of my home re-evaluated so that I can have the PMI on my mortgage account removed. The value of my home has risen more than enough to put our account under the 80 % loan to value ration needed to have the PMI removed. I have attempted to follow their instructions twice now. Each time, I am told to write an email and wait 30 days. Two emails, two 30-day cycles, and numerous phone calls has resulted in being told that there is no record of my request and absolutely no one that I can speak to. All that I can do is send another email and wait and additional 30 days. Even though I have received confirmation emails, saying my email has been received, I keep getting told that there is no record of my request and, again, there is nothing that can be done except to submit another email and wait. 

I sent my first email to XXXX on XX/XX/2021. I then sent a second on XX/XX/2021. Upon speaking with a representative today, I was told that it did not matter that the 30 days had gone by, from the last email, and that I would have to submit another email and wait again. 

I feel like this is a very underhanded and deceptive way to keep a fee on my mortgage that I have every justification to have removed. I am told that I can not arrange to have my home value appraised on my own and that Amerihome must arrange it. Yet, I can not get in touch with anyone. 

We are struggling through these times and are making efforts to keep in good standing. We have not missed a single payment nor have we been late on any payments.
Consumer complaint received 2019-12-17
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (MD)

I had a previous request from Mr Cooper concerning their report prior to the transfer of the loan. The response I got back saying every thing had checked out appeared to be correct. But after finding out I'm still able to log onto their system ( Website ) and download payments made and posted along with other account information, the downloading of a relevant monthly statement confirmed what I had forgot during the XX/XX/XXXX to XXXX payment period. The downloaded statement has " POSTED PAYMENTS '' on it. Looking at those posted payment, it verifies that during that same period, I had made about eleven payments one for each of the recorded months. All were payments made for the previous month, meaning they were 30 days behind, but consistency on each of the listed months from XX/XX/XXXX to XX/XX/XXXX. Each of these payments were accepted once made and though a month behind, they payments were showing an current account. The downloaded document list all the payments as " POSTED '' - Looking at the credit report on XXXX it is not showing each of the listed payments being POSTED. It is showing four of them being " OK '' and that OK is in between a " 60 '' with there being there being 5 each of the posted " 60 '' nearly aOK, then, 60, then OK, etc.. In discussing this today, the question is was the credit posting not reflecting the Downloaded document posting. And how or why could a " 60 '' be put in between an OK, and for every other ... Why is the credit listing not showing what the " POSTED '' document is showing. Comparing this to the Document I received from XXXX, the XXXX  document follows the " Posted '' document. And neither document has the actual posted payment showing a double amount, as to show that a Suspense holding was being used. None of my statements or anything else shows anything being held or put in a suspense account. The initial 30 day late should have simply moved forward on each payment that filled the previous month. With nothing in the statements or anything from my experience indicating each that of the payments that were made, were not posted or accepted within that same month. How could something otherwise be used and how could a " 60 '' late be recorded, where there was a monthly payment made and as the document indicates, the payments were POSTED.
Consumer complaint received 2019-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (UT)

On XX/XX/2019 I called Chase credit card company to tell them that my payment will not be able to be made until XX/XX/2019 even though it was due on XX/XX/2019. I informed the associate that I had lost my job and found new employment but will not get paid until XX/XX/XXXX. I told her that when I get paid I will pay the bill in full for two months - {$350.00}. She then said that she will notate the account to give me until the XXXX. I thanked her for her generosity and ended the call. At no time did she give me any other disclosures nor did I consent to anything regarding a payment. On XX/XX/XXXX I logged into my Chase online account and made my payment for {$350.00} with my XXXX XXXX checking account because I received my first paycheck. On XX/XX/XXXX I received a notice from XXXX XXXX ( whom I have a checking account with ) that my account was over drafted by {$150.00}. When I looked there were two payments for {$350.00}. When I logged into Chase it showed that an automated payment was processed XX/XX/XXXX and went through XX/XX/XXXX. This was without my consent or permission nor was I informed that she was doing that. Never at any time did she read a disclosure to me telling me that she was setting me up on auto pay. I manually pay my bills all of the time. I called chase and spoke to a male supervisor who informed me that because my credit card was over the limit, they couldnt guarantee me to get my money back into my bank account. I filed a complaint with chase around XXXX on Monday XX/XX/XXXX with that supervisor and then called again that evening on XX/XX/XXXX around XXXX and informed a female supervisor that I was going to file a complaint with the consumer finance protection bureau. In both cases - with the first supervisor and the second supervisor, they did not show any empathy or care for my situation - they only focused on my account being over the limit and did not seem concerned when I told them my account is over drafted as a result of this unexpected expense AND that the employee who set this up without my knowledge violated my rights by withdrawing money without my permission. I filed a claim with XXXX XXXX to help me because Chase was being uncooperative and did not want to help me. They agreed to waive any fees and reimburse me and I agreed to let them know if chase does anything to help me in the future ( but I highly doubt it ).
Consumer complaint received 2024-03-19
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)

It appears that my credit/my file/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 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 ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX  ( XXXX XXXX XXXX ) XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, MD, XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, VA, XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX XXXX XXXX XXXX XXXX, XXXX, VA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX XXXX XXXX  ( XXXX XXXX XXXX  XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX. XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$770.00XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2019-12-17
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. (NY)

Over the years I have disputed the way the Department of Education has been reporting my information. 
Loans taken out in XX/XX/XXXX, -XX/XX/XXXXwith 36mo terms would have either become delinquent in first year or been paid in full by XX/XX/XXXXor aged off credit report in 7yrs of first delinquency. 
They are reporting first delinquency in XX/XX/XXXXas a means to keep on my report an additional 7yrs. They waited till the last moment to maximize the damage to my credit. 
Passing loans also does not make it a new loan or debt. Because multiple servicers have passed much of the information can not be verified. Loans taken out in XX/XX/XXXX-XX/XX/XXXXwere sent to XXXX XXXX borrowers. XXXX XXXX has informed me they do not have record of who had loans prior or information about payment history. How is it possible to enforce this debt when chain of custody of these loans can not be verified? 
Both XXXX XXXX and Department of Education are reporting one loan in 3 ways. The department of education has split it in 2 and reporting as separate loans. 
They also claim I took out nearly 100k in student loans. I went to XXXX  college not an XXXX XXXX XXXX to be a XXXX. What lender would give a young adult XXXX to go to XXXX   college? A lender would not give a buyer 3 times a car value for purchase. It is not reasonable to believe I received this much. Both the lenders and schools have been unable or unwilling to show evidence I actually received any disbursements. I am unsure if my signature was used to falsely obtain loans I did not recieve or if signatures were forged. 
Each time I have disputed with credit bureaus or directly no changes are made except to increase balance. Even the number of loans they are reporting is inaccurate. According to the nslds.ed.gov website there are 11 loans yet reporting 15 on transunion. Confirmed not another servicer. I believe there are duplicates. I have also requested proof of signatures and certification of debt. The only response I have received is a copy of master promissory note with an electronic signature. Not one hand signature to prove loans received. Master promissory note does not give dates, amounts, disbursements, interest rates or any financial information whatsoever. Truth in lending act states they are required to be forthcoming with this information. 
I want this information removed from my credit report as it has adversely affected my life and even cost me a job offer.
Consumer complaint received 2017-08-01
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. (FL)

In XX/XX/XXXX I cosigned a private XXXX XXXX XXXX for my wife. In XX/XX/XXXX, we had financial hardship and the loan went into default. The last payment on this loan was in XX/XX/XXXX. XXXX XXXX NEVER reported to the credit bureau the loan going into default in XX/XX/XXXX. In XX/XX/XXXX, XXXX XXXX sold the loan to XXXX who took it over and reported the loan being in default in XX/XX/XXXX, which is not accurate, and therefor it re-ages the loan by 2 years which is also illegal. I have made multiple disputes on my credit report about this issue and it has not been fixed. I have also contacted XXXX directly and they refused to update the information correctly on my report. XXXX told me my last payment was in XX/XX/XXXX so requested proof from them of the last payment on the account and they could not provide it. I have bank statements attached that prove when my last payment on that loan was in XX/XX/XXXX and no further payments were made after that point
Consumer complaint received 2019-02-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Byrider Franchising, LLC (TX)

The contract between that I signed with XXXX XXXX XXXX ( XXXX/XXXX XXXX ) is void because I did not not consent to giving them Irrevocable Power Of Attorney. The contract is blank without a duly executed date, no witness. Nothing has been sworn to, subscribed or any acknowledgement of date. The Notary Signature does not appear of the document, and there is no date of commision. What County? What State? XXXX XXXX XXXX/XXXX XXXX gave me back the document without my wet ink signature. The signature on the document is a scanned copy of what looks like an exact replica of my signature, therefore fraudulent. It was a quick process, in getting the paperwork done, where they cashed in on my signature, therefore making securitization illegal. Numerous times I have brought this to their attention where both corporate and the franchise office ignored my complaint, calls, and all mail correspondence. They also ignored me when I requested a W9 so that I can properly file my taxes for all out of pocket payments. The forms 1099 A and 1099 OID allows me to do that according to IRS publication 1212, 26 USC 1271 ; UCC 3-419, 26 CFR 1.671-5 ( c ) & ( d ), loans - 26 USC 1273 & 26 USC. Since we can not pay a debt with a debt I have discharged the loan under UCC 3-603. I  would do a Notary complaint, but there isn't any information for me to pursue. XXXX XXXX XXXX/XXXX XXXX did not have a Notary present.
Consumer complaint received 2024-03-19
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 have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-08-02
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. (CA)

I have paid credit repair agencies for years and have contacted XXXX  transunion and XXXX  myself and always an auto-generated letter is sent back without ever validating that this is not mine. I have sent police report and letters and so much different verifying documents and all that is returned is that it was not food enough information. Multiple accounts are not mine multiple inquiries are not mine, myself and my family have had to suffer in so many different ways because of this.
Consumer complaint received 2021-08-02
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. (TX)

XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Open. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status NO STATUS. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$410.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Account charged off. {$1300.00} written off. {$1300.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$950.00} Status Account charged off. {$950.00} written off. {$950.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4000.00} Status Open. {$490.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} Status Collection account. {$1200.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4800.00} Status Collection account. {$4800.00} past due as of XX/XX/XXXX.
Consumer complaint received 2021-07-29
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. (MD)

Checking over my report today and I have noticed that these accounts & inquiries are still reporting on my file after I have been disputed & waited for a response after 45 days .you are still going against the law and I have rights.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to bring to your urgent attention a critical issue concerning my credit report. Upon reviewing it, I have discovered fraudulent accounts that do not belong to me. I formally dispute the presence of these unauthorized accounts and request their immediate and aggressive removal from my credit report. As a victim of identity theft, I am perplexed as to why the CRA is not complying with the law, especially when the other bureaus have done so. I have provided supporting documentation, including a copy of my identity document, police reports, and any other relevant materials, to substantiate the claim that these accounts are a result of identity theft or fraudulent activity. The fraudulent accounts in question are as follows : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 

Recognizing the importance of your role in maintaining accurate and reliable credit information, I urge you to swiftly and aggressively investigate and remove these fraudulent accounts from my credit report. It is crucial that these unauthorized entries be deleted as soon as possible to prevent further damage to my credit score and financial standing. I appreciate your understanding of the urgency surrounding this matter and request your prompt attention in resolving this dispute. I hereby request that you initiate an immediate investigation into these fraudulent accounts and provide me with the results as soon as possible. I expect that you will take all necessary actions to promptly delete these entries, ensuring the accuracy and integrity of my credit report. Thank you for your prompt attention to this matter. I eagerly anticipate a swift resolution and the removal of the fraudulent accounts from my credit report.