davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
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: EQUIFAX, INC. (CA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-01-23
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: Grain Technology, Inc. (VA)

This company has reported 2 missed payments on my credit report in XXXX. I have never been 60 days late not even 30 days late. I have had this problem before and they corrected it. I paid my account off in XXXX an have not withdrawn since. I should not have any balances with them.
Consumer complaint received 2023-01-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ACIMA CREDIT, LLC (TX)

There is an inaccurate account on my credit reports with Acima Credit that I have been disputing for some time now. I sent them a letter in the mail asking for validation of debt and have never heard back or received anything back from them in the mail. XXXX  is the tracking to prove it XXXX XXXX  XXXX XXXX XXXX. It is illegal to ignore a consumers requests and disputes for accounts on their credit report. It is also illegal to report account without valid proof and documents showing that this debt belongs to me. Please delete this account from my reports now.
Consumer complaint received 2023-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

On XX/XX/2022, {$1800.00} was taken from my account to be applied to the principle. instead I was told there would be no payment due for XXXX and XXXX. The balance was {$53000.00}. No payment was deducted from my checking account. The XXXX payment was deducted from my checking  account. That left a balance of {$53000.00} for XXXX. What happened to the payment of {$1800.00}? Why are they stopping us from making extra payments towards to principle and paying off this loan ahead of time? This is the second time we have reached out to you and that matter was taken care of by them. Please help.
Consumer complaint received 2023-01-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (GA)

Personal Loan for {$70000.00} and only needed {$63000.00} and within five days of the loan, returned {$7000.00}. I was charged interest on it and fees. Also when I make additional payment that place it as interest, rather than towards the principal. Truly unfair practice. I send additional payments to go towards the principal, NOT the interest. 

Also, I wrote Wells Fargo, CFO, a certified letter, and the letter was resealed and returned without a response. 

Thanks, XXXX XXXX, XXXX. 
Acct # XXXX
Consumer complaint received 2018-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (CA)

I went to a trade school in XX/XX/XXXX the school was called XXXX XXXX XXXX XXXX in XXXX XXXX CA, got shut down while I was taking my course and the school closed due to fraud, I already submitted a paper work to Navient stating the school was shut down. I have been in differed status with my student loans since XX/XX/XXXX and in XX/XX/XXXX for some reason the student loan reported on my credit file as late in XX/XX/XXXX and XX/XX/XXXX. That is hurting my credit score the department of education from Navient stated they were going to remove the late payment history to show as current and they still have not done anything.
Consumer complaint received 2021-12-15
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: ENCORE CAPITAL GROUP INC. (GA)

This account is not mine. The name of company is MIDLAND CREDIT and this account was opened on XX/XX/XXXX. I am a victim of identity fraud and I have spoke with both creditor and credit bureaus about this account and it has been removed from all three bureaus but has been put back on my XXXX only. I requested for more information pertaining to this account from both creditor and credit bureaus and nothing has been sent in over 90 days. 

XXXX XXXX XXXX XXXX was opened XX/XX/XXXX and its reporting inaccurate/incorrect information pertaining to late payments and I requested for proof by creditor and credit bureaus and both told me they cant provide further information.
Consumer complaint received 2024-03-20
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: EQUIFAX, INC. (CA)

I am sending this complaint to formally request the prompt removal of inaccurate information from my credit report. Upon review, I have discovered several instances of fraudulent data that I have no association with. This discovery is deeply concerning, and I insist on immediate action to rectify this matter. 

The following inaccuracies must be addressed and expunged from my credit report without delay : XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX expect your immediate attention to this matter and demand swift corrective action. Failure to comply with this request will leave me with no choice but to pursue legal recourse. Your cooperation in resolving this issue promptly is greatly appreciated.
Consumer complaint received 2023-01-23
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: EQUIFAX, INC. (NC)

In XXXX of XXXX I made calls to EQUIFAX and requested some incorrect and outdated personal information be removed and they obliged helping me. I also questioned the validity and accuracy of certain accounts and information but conveyed that I would send my request for an investigation in writing through the postal service which I did and received a certified receipt for. In my dispute a copy of which is enclosed I sent 3 forms of proof of identification. a copy of my driver license and 2 updated bills with my name address and other matching information. In response to my dispute accounts ( XXXX XXXX as verified but my name is different from the name in the response to my dispute which is listed as ( CREDIT FILE : XX/XX/2022 Confirmation # XXXX ), ( CREDIT FILE : XX/XX/2022 Confirmation # XXXX ), ( CREDIT FILE : XX/XX/2022 Confirmation # XXXX, ) the name on the file is a similar but different name so how was a reasonable investigation done to ensure my rights? Due to the fact that there is a Different name on the response EQUIFAX sent me makes the re-investigation invalid and my RIGHTS VIOLATED also violated because the address for the XXXX account in XXXX said the company had moved when I tracked my letter so an unreachable address being reported as a way to reach the creditor is false and misleading. XXXX and XXXX accounts are reporting different addresses to each consumer reporting agency the information is, in fact, inaccurate. These accounts were disputed and I have not received the requested documents that I'm due by the requirements of the law. The reporting of this innacurate information has caused severe damage to my character and is hurting my ability to obtain a home and better life for me and my children and I am forced to work much harder for longer hours because I am being misrepresented by these companies like EQUIFAX that is blatantly violating my rights as a consumer. They failed to conduct a reasonable investigation and I would like to know what accounts are associated with the incorrect name because that's the name on the updated consumer report you sent me in response to my dispute and I would like complete information for each account because a lot of information is missing such as dates of last payments, payment amounts, creditor classifications, credit limits, charge off amounts, dates closed, dates opened, term duration for installment accounts, credit limits, recent payments. I am a hard working mother who is already a victim of the Equifax data breach and now this abuse continues. civil liability is owed to me due to my federaly protected rights being continuously violated and I'm Due {$1000.00} per violation. thank you for your acknowledgement of this matter
Consumer complaint received 2023-01-23
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. (MI)

Complaint # XXXX was created and sent to XXXX  XXXX on XX/XX/XXXX. It is now XX/XX/XXXX ; more than 30 days have expired. All information pertaining to XXXX  XXXX must be deleted from all consumer reporting agencies immediately.
Consumer complaint received 2023-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (MD)

I received a letter in the XXXX XXXX  on XXXX  the XX/XX/2023 stating I owed {$430.00} to XXXX. The reference number they gave me is XXXX and the account number is XXXX. I check my XXXX account and it show no outstanding balance. I contacted XXXX an confirm this. I believe America Coradius International LLC is phishing to get me to pay when I dont owe any money. I contacted the collection agency and they said they are going to close this inquiry and sent it back to XXXX fraud department. This whole scenario sound like possible fraud.
Consumer complaint received 2023-01-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: HYUNDAI CAPITAL AMERICA (NJ)

When my Hyundai 3 year lease ended, I purchased the vehicle. 
I sent them a personal check for the total amount. I purchased the vehicle in XXXX Of XXXX. 
Now its XX/XX/XXXX, and I have not received my TITLE. 
I have called customer service over 41 times. I was told everything. Lost in the mail, wrong addresses, title sent to Indiana for a duplicate.etc.On XXXX  XXXX XXXX after my XXXX call I finally received a case # XXXX. 
I have all of my documentation for this purchase. I have leased vehicles for my wife and myself for 12 years. 
Its very unfortunate but, they have lost a valuable customer. 

Note : It has 6 months. 
Help!
Consumer complaint received 2019-12-14
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (CA)

After total loss accident Hyundai Financial asked {$11000.00} to release the title to insurance co. Insurance Co valued the car XXXX after {$1000.00} dedactible and paying {$11000.00} to Hyundai financial mail the balance to me. After Hyundai Financial released the title sent me {$1000.00} bill as a dedactible payment.
Consumer complaint received 2023-01-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P. (GA)

Repeated phone calls, ROBO calls usually XXXX times a day from SouthWestCredit using numerous different area codes and phone numbers to make the calls. This has been happening for 6 months after I explained to them they have the wrong individual. They are looking for an individual with a completely different First and Last name and address. I have had the same phone number for 7 years with no previous ROBO call problems.
Consumer complaint received 2023-01-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (CA)

In the summer of 2022 I was contacted by US bank and informed that they wanted to refinance my home loan. I worked with them for many months getting them all the documents that they requested all the time the company kept assuring me that the terms were still good. The underwriting was taking forever and I kept checking in with them and they told me because of a merger with another bank. I finely received notice that I was being denied due to insufficient collateral even though I have 80 % of the loan amount in a bank account. I feel the reason the loan was denied was because the agreed upon terms were not as lucrative for the company as the federal rates increased. 
I feel they should honor the agreed upon terms and the loan officers garentee that the loan terms were still good.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

I had my accounts at Wells Fargo Bank since XXXX and had to change my account a few times due to unauthorized transactions and unknown transactions that came with overdraft fees. When speaking to the bank representative was given assurances that a claim was put in, transactions would be credited bank and fees returned and those things didnt happen on a few occasions. Then there were times where they did not give back the fees, as well as incorrectly reporting my credit score for years so I was unable to apply for any credit products with my bank of 8 years. Right now my main checking account was closed before I found out it was due to overdraft fees that was supposed to been returned back to my account for transactions that were returned to my account that was associated with the fees but the fees was never put back and now I have to go into the bank to try and resettle this issue because it was never correctly done from XX/XX/XXXX.
Consumer complaint received 2024-03-19
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: EQUIFAX, INC. (MS)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm having a problem with XXXX, XXXX, and TransUnion. I found a mistake on my credit report and I submitted a disputes on XX/XX/2023 and XX/XX/2023. However, XXXX, XXXX, and TransUnion hasn't fixed the issue within the 30-day period which is a requirement by the Fair Credit Reporting Act ( FCRA ). 

Also, XXXX, XXXX, and TransUnion hasn't followed another rule under the FCRA. They kept using the information I disputed without showing it as 'disputed by the consumer ', which the law says they must do. 

On top of all that, XXXX, XXXX, and TransUnion hasn't done its job of making sure the info on my credit report is as accurate as possible, something they're supposed to do according to the law ( 15 U.S. Code 1681e ( b ) ). This means the wrong info is still there, which is hurting my credit score and my financial opportunities.
Consumer complaint received 2023-01-23
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. (NV)

I sent XXXX letters on XX/XX/2022 to the following credit bureaus to remove inaccurate personal information from my credit report : Experian, XXXX, and XXXX. Here are my tracking numbers for the letters dated on XX/XX/2022 : XXXX, XXXX, XXXX. According to the Fair Credit Reporting Act 12 USC 1681, I have the right to privacy. Also, according to 15 USC 6802, no financial institution is not supposed to share my information to third party people/affiliates. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2023-01-23
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. (DC)

Investigation Request to Delete Credit Inquires To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I request that you investigate the source of these inquiries, and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN. 
I am disputing the following inquiries : XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX If your investigation reveals the inquiry is valid, I request that you provide me with your method of verification as well as the contact information of the source of this verification. 
I am allowing you 30 days to complete this investigation.
Consumer complaint received 2023-01-23
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SANTANDER HOLDINGS USA, INC. (TX)

This is my first dispute regarding Chrysler Capital. Chrysler Capital is reporting an unlawful repossession on my consumer reports. I sent a request for all the documents they have in their possession pertaining to this unlawful reporting. I was not provided everything. I did not receive the Commercially Reasonable Manner of the Transaction letter, I did not receive the 3 disclosures that all financial institutions and one of this is the disclosure of institution privacy policy. According to 15USC 6802 a financial institution may not disclose nonpublic information to nonaffiliated third parties and I did not sign anything and it wasn't provided with the documents Chrysler Capital sent. Chrysler Capital has repeatedly violated the FCRA and my consumer rights and now I am demanding this unlawful repossession be deleted from my credit reports immediately.
Consumer complaint received 2023-01-23
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Collection Systems, Inc. (TX)

This company reported the collection to the credit boreaus in XX/XX/2022, however they never sent me a letter to validate the debt. Since I realized I called them and said that I did not receive a letter to validate the debt which I do not know and I have no information, even so they did not send me anything. After contacting us by email they sent me the invoice with a fee which I ask that they explain to me and even so they do not do it and I ask again that they contact me only by email and even so they ignore my requests.