davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ARVEST BANK GROUP, INC. (TX)

I have been trying to refinance for the past few months. I recently found a late XXXX on my credit from my mortgage company not allowing me to refinance. I have contacted the mortgage company with no avail. I made a payment for XXXX on XX/XX/XXXX at XXXX. I asked for the late XXXX to be expunged since I made the payment and somewhere in the XXXX it was still XX/XX/XXXX. I asked for goodwill since I have never missed a payment in almost 7 years with this mortgage company and always paid any late fees. My mortgage is up to date and I have roughly XXXX XXXX  equity in the home.
Consumer complaint received 2019-12-13
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK ()

To whom it may concern, I paid in full my student Loan on XX/XX/2019. 
As of today (XX/XX/2019 ), my co-signer, still has this loan with an open status, as if it had not been paid, still showing on his credit records. 
I would like to proceed with two issues : 1. Demand Discover Student Loans to clear my co-signers loan status ( Credit report ) ASAP. 
2. Make Discover student loans pay the required economic penalties for the harm done to both my co-signer and me and for their malpractice. 

Regards
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC (TN)

To Whom It May Concern, I sent out a letter to XXXX on XX/XX/XXXX and never received any response. I will disclose the letter below : Dear XXXX, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from Ally Financial on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from Global Lending Services Llc on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXXXXXX XXXX  XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-12-29
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. (CA)

I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2021-12-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: West Central Texas Collection Bureau (TX)

I got a notification regarding a debt collection on my credit that I owe {$30.00} from XXXX XXXX of XXXX, I never went to the facility, I never get any service at all! I called XXXX to dispute the collection and the report results that the account was under a DIFFERENT NAME with MY SOCIAL SECURITY NUMBER and MY DATE OF BIRTH. I called XXXX XXXX of XXXX and they confiremed that I wasn't in their system at all because I never went there in the first place. I don't know how they got my SSN and DOB under a DIFFERENT NAME. It is concerning!
Consumer complaint received 2024-04-10
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (LA)

I financed a truck through credit acceptance unknown to me my interest rate and payment for the car was XXXX for a XXXX  XXXX truck. The vehicle has since been repoed and they sold the truck for XXXX and now I have been served paperwork they are suing me for XXXX. I cant afford legal counsel and need to know my rights.
Consumer complaint received 2021-12-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

On XX/XX/2021 at around XXXX, I went to Citibank online banking to check the balance of my personal checking account which I always monitor on a daily basis. Later in the afternoon at around XXXX, I went online again and saw that my personal checking account says, " BLOCKED ''. I immediately called Customer Service but did not give me any details. I drove to the nearest Citibank Branch to find out what's going on but no details appear on my account. I called Customer Service again and was transferred to the Fraud Department which in turn did not disclose the details why they blocked my account. I was merely told that the account was referred for closure and that a check will be sent to the address on file after 60 days. This is very disappointing that I can not withdraw my funds especially when it happens to be during the holidays. I have been calling numerous times to the Fraud Division but after verification of my identity, they do not disclose the details except telling me a check will be mailed after 60 days. I confirm and attest that this account do not have any fraudulent activity. This was a newly opened personal account on XX/XX/2021. I opened this new personal checking account after my joint checking account with my sister was compromised with unauthorized ACH transactions. They blocked it and we opened another joint account in XX/XX/2021 because they were going to close the old account which I've had for more than 20 years. A month later, the newly opened joint account was compromised with forged checks so it was blocked again for fraud investigation. About this time so I can proceed with issuing checks and paying my bills, and direct deposits, I opened a new personal checking account. In the course of signing an attestation re my other joint account, my joint account went back to active and Citibank released the block. However a month later, Citibank blocked my newly personal checking account for no reason. It's been 9 days, with daily follow-up and numerous calls. I am not given any reason. There has been no fraud reported in my personal account and I don't understand why. I am worried because I've been reading similar complaints without getting their funds back. It has been a very frustrating holiday. Please help me.
Consumer complaint received 2019-12-13
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC (NY)

They called my mother after I did not respond to their phone call on XX/XX/2019. I then called back to inform them that they can not do this. They have not called again but they should have not done this in the first place
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BMO Bank, N.A. (FL)

I applied for a Heloc with BMO Harris on XX/XX/XXXX, were a rate was agreed based on estimated Credit score and appraised value. After waiting all the way until XXXX to be able to close as they had delays with appraisal, they finally send me the closing documentation with a date of XX/XX/XXXX with a higher rate. I called them to understand why the rate changed and they explained that the appraisal came for a lower value and the XXXX was higher, hence the change in the rate. So I requested them to lower the loan amount to keep the same rate as the original loan amount and they said the commitment expired on XXXX and they could no resubmit to underwriting. The only solution was to submit a new application. So not only the loan was delayed due to their process, a change in rate was not disclosed before closing, and they tried to force me to a higher loan amount and higher rate due to a " regulation ''. I placed a call to the supervisor and never received a call. I sent an e-mail to the loan specialists and still waiting for a response.
Consumer complaint received 2021-12-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cadillac Accounts Receivable Management (MI)

XX/XX/2021, I received this text message from phone number ( XXXX ) XXXX : Hi this is XXXX from Cadillac Accounts Receivable Management. We are trying to contact XXXX. Please call or text me at this number to assist with your account. This is an attempt to collect a debt by a debt collector ; any information obtained will be used for that purpose. Please know that we do not want to add any stress to your family during this time and understand that personal and family necessities come first. We are here to help you through this difficult situation. Text STOPALL to opt out of SMS. Text PAYMENT to pay online. 

I have never owned a XXXX so this is a scam.
Consumer complaint received 2021-12-29
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. (NY)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed the accounts in question and also provided a police report and proof of address and TransUnion refused to remove the accounts that I disputed as identity theft. TransUnion can not provide me with proof of ownership which is affecting my creditworthiness. This has hindered me to the point where I will have to take legal action to correct this situation. Upon disputing thru CFPB, if Transunion will not remove the account I will file my law suit in small claims court and demand {$5000.00} per account incident.
Consumer complaint received 2021-12-29
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Commonwealth Financial Systems, Inc. (TX)

Responded to a missed call. I identified myself as a person with the same name they were looking for. They wanted private information from me and all I was willing to give was the year of my birth. The representative said they would not remove my number and would continue calling because I " refused to verify all my information ''. I advised them that I did not want them calling anymore and they hung up.
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (CA)

Hi I have an issue with three late payments on my credit profile thats not supposed to be there. The company I got my auto loan from XXXX XXXX XXXX waved the 3 months due to Covid 19 I also have documents that show the extension for the months of XX/XX/2020, XX/XX/2020 and XX/XX/2020.
Consumer complaint received 2021-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (NY)

I had a credit balance on my Comenity Bank credit card account for 3 transactions that i was owed a refund by a merchant. Comenitys negligence for over 6 months now is unacceptable. Supposedly they mailed out my credit balance refund of {$24000.00} on XX/XX/21. this refund check was latter stopped and it bounced after I deposited it. They Supposedly re-issued the refund on XX/XX/21, but as of today it has still not been delivered to me. i tried calling them by phone, but these phone personal only keep on suggesting for a new request to be submitted.
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XX/XX/21 called XXXX XXXX XXXX and/or XXXX XXXX ( XXXX XXXX XXXX ) when I finally reached a rep ( XXXX ) described the situation ( fraud indicator about address ). I wanted to know which address was triggering the fraud indicator. She was unable to tell me that info, suggesting I try a dispute w/XXXX. I've already done that, and the issue has been going on for a month w/numerous phone calls to creditors, credit bureaus, and smart move. XXXX sent me to her supervisor XXXX. XXXX was unable to help me either and kept referring me back to XXXX. How is it possible for any and all of these organizations to provide information about me, to potential landlords/creditors/etc and have no documentation to back it up? XXXX said the info was verified. Since I still don't know which address specifically they are referring to, how was it verified? What is that verification? No one knows or is willing to share that info w/me the consumer that they are reporting it about. There is no accountability to anyone for anything they are reporting that I can see.
Consumer complaint received 2021-12-29
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: CITIBANK, N.A. (NC)

There is a Citibank N.A. reporting on ( 1 ) of the ( 3 ) Reporting Credit Bureau. XXXX is reporting a Citibank Account Number XXXX that I am an Authorized User on this account. I have made several attempts to get this repaired and as of today XX/XX/2021 it is still being reported. First attempt XX/XX/2021 called CitiBank they sent me a letter dated XX/XX/2021 letting me know that they were unable to update the Credit Report. To remove authorized users for Credit Reporting the Authorized user must be removed from the account. Second attempt XX/XX/2021 no help received the 2nd letter from Citibank telling me the same thing the XXXX letter said. Then I wrote a letter to Citibank on XX/XX/2021 letting them know that I did not never give anyone my Permission to put me on a Card as an Authorized Users. I have not heard back from them but as of today XX/XX/2021 I check my XXXX Report and it is still out there. Please help this is not my Debit. This is Fraud using my name and my information without my permission.
Consumer complaint received 2021-12-29
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. (NY)

For the past year I'm asking XXXX  and EXperian to VALIDATE the " Alleged LAte Payment '' on my account but they never investigated it. Account show as " verified '' since XX/XX/2020 but it's not ACCURATE and there's another error in the PAYMENT HISTORY that was never VALIDATED VERIFIED or INVESTIGATED and it hurts my SCORE and rEPORT. 
I've sent at least 12 letters with my personal identifiers since XX/XX/2020 and never got a letter back for the bureaus with results, or the creditor about the account. 
Also Have a PAID COLLECTION on XXXX that still reports BALANCE!!!
Consumer complaint received 2019-12-13
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. (GA)

Hello! For months since XX/XX/2019, XX/XX/2019 I have been asking and requesting that the company XXXX XXXX also known as XXXX  to please verify that the item reporting on my credit report is accurate. They would send me a letter saying that it is without proving it via my formal request to show me my signature. I would then follow up in the following weeks and months there on and ask them to please provide me with my signature baring my name binding me to a contract with them per. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) It would read : This letter is in response to your recent claim regarding Acct # xxx, which you claim I owe XXXX. 

I then explained to them and said ... Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification ... 

Yet they havent provided me with any of this information however its still being reported against the law. 

I last mailed off letters last month XX/XX/2019 and they have yet again to provide me with any proof or reason to show how this account belongs to me. 

I have all receipts on the certified letters I have saved.I have also called to dispute this items with the credit bureaus more than once.
Consumer complaint received 2021-12-29
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: EQUIFAX, INC. (IL)

I'm been sending letters for Validating and verifying the REPORTED infromation on my accounts for more than 6 months!!! 
I have my consumer rights to get my report CORRECT and REPORTING only VERIFied and TRUE but some accounts are missing DATE OF LAST ACTVITY or reported WRONGFULLY, Date of last payment is INVALID or LATE PAYMENT was NEVER LATE. 
Letters sent out for Personal information and other Negatives false reporting accounts on and BEFORE : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 But the accounts still shows date last verified on these accounts XXXX, I never got a respond letter from the bureaus or the creditors VALIDATING or EXPLAINING the ERRORS reported. and the accounts are not marked as DISPUTED!! compelty IGNORING MY LETTERS even though I added to each letter my identification documents!!