davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (NC)

Have attempted to resolve this issue multiple times with the company directly and offered to provide copies of an identity theft report regarding the situation. Constantly my concerns are brushed off or deemed inadequate. I have also addressed these concerns with all three credit bureaus XXXX, XXXX, XXXX and all parties have exhibited willful and grossly negligent behavior which has adversely affected me. This behavior is a direct violation under the rights given to me by the FCRA. Automated responses and bully like behavior is the most simplistic description of the behavior of all parties mentioned. I have made 3 attempts if not more to resolve it and this will be my final attempt before exploring other options including but not limited to litigation
Consumer complaint received 2023-01-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC (FL)

Numerous attempts to modify the mortgage and every attempt is met with resistance. 
Uploaded and faxed requested information multiple times only to be told it was not received. I received a phone call in the end of XX/XX/XXXX that modification was approved and would receive documents in the mail. Documents never sent and when I spoke with Flagstar afterward they completely denied the call and kicked me out of the modification. 
XXXX of XXXX The CFPB took action against Flagstar and forced them to pay XXXX XXXX for the exact same reason listed above. I have plenty of proof if you need along with documents at your request. 

Looking for assistance to finalize modification. 

Regards, XXXX XXXX
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Ive called the credit bureaus and explained to them my student loans are not late they are in deferment. Over the past 2 years since the pandemic the loans are showing missed payments when in fact they are deferred. Also, the loans were recently sold to another service provider in which they are still in deferment and the new provider is showing I have 4 missed payments. The credit bureaus are saying its showing on time, however, when I apply for credit it shows they are late and are missed payments. This is causing my score to remain stagnant and costing me more money when financing things.
Consumer complaint received 2024-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2022-02-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (IL)

My sister passed away on XX/XX/XXXX. I have been trying to have the equity in her vehicle transferred to me since XX/XX/XXXX. I heard back from Hyundai Finance on XX/XX/XXXX asking that I apply for credit. I sent the application and all the other information to them on XX/XX/XXXX. The credit application indicated I would hear from them in 2 business days. On XX/XX/XXXX, I called and was told to their back office had not updated the account and to contact them again on XX/XX/XXXX. On XX/XX/XXXX I called and was told still no update and to call on XX/XX/XXXX. On XX/XX/XXXX, I called back and still no updates. They asked for my preferred contact number and email which I provided. They said I would hear back in 3 business days. On XX/XX/XXXX, another sister received a forwarded letter asking our intent as it pertained to the car. The requested we FAX a response. On XX/XX/XXXX I faxed the requested information and a history of my interaction with Hyundai Finance. On XX/XX/XXXX, I contacted Hyundai again and they said they were missing death application. To call back in 2-3 days. On XX/XX/XXXX, I called again and was told they had the intent letter and death certificate. They again asked for my information. On XX/XX/XXXX, I was notified by my ID Monitoring company that Hyundai Finance had pulled my credit report. On XXXX, I called Hyundai asking for a status and they said my credit was pending and to allow 5-7 business days to get a response. On XX/XX/XXXX, today, they said my credit is still pending and to call back on Friday
Consumer complaint received 2020-04-07
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 pulled my credit to myself for the first time in years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$310.00} XXXX XXXX {$680.00} XXXX   XXXX {$75.00} XXXX XXXX  XXXX {$3600.00} XXXX XXXX   XXXX {$3600.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX   XXXX {$1500.00} XXXX XXXX XXXX XXXX {$270.00} XXXX XXXXXXXX XXXX {$960.00} XXXX  XXXX {$74000.00} XXXX XXXX {$700.00} XXXX XXXX XXXX {$2300.00} XXXX XXXX {$3000.00} XXXX  XXXX {$0.00}
Consumer complaint received 2023-01-20
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)

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-15
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: EQUIFAX, INC. (MI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2020-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

in response to complaint XXXX-XXXX-my credit SPECIFICALLY gives notice to all agencies to contact me at XXXX-XXXX-XXXX  if inquiry is requested!!! capital one has NOT contacted me to verify that it is me attempting to request inquiry. THEY ARE A LIE!! This is NOT A VALID RESPONSE AND INACCURATE.if they contact me when i request they can verify that it is me and access my credit report
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There is derogatory information on my Credit Reports that needs to be removed. XXXX placed a {$78.00} amount owed in my credit reports. The Collection Agency hired by XXXX is XXXX XXXX XXXX. I pay all my bills on time and have no debts. 
I paid my final bill to XXXX account number : XXXX on XX/XX/2019 and advised XXXX that there were erroneous charges on my final bill which I do not owe XXXX. I contacted XXXX on XX/XX/2019 to pay my final bill and to advise them of the mistakes on my bill. These are the mistakes on the bill which I corrected in my letter to XXXX. 

I advised them that my XXXX XXXX lease ended on XX/XX/2019. XXXX charged me a Lease Cancel Charge for XXXX XXXX XXXX XXXX in the amount of {$29.00}. Why would XXXX charge me a cancellation charge for a lease that previously ended or expired? I deducted the {$29.00} charge from the bill. 

I returned the three XXXX  XXXX phones to XXXX, in their unopened boxes on XX/XX/2019. XXXX charged me a Total Lease amount due of {$6.00} for each of these telephone numbers : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I deducted the {$6.00} charge for each of the three of them for a total amount of {$19.00} from the bill. 

XXXX over charged me {$29.00} for the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX. XXXX Own it in 1 payment price was {$170.00} and not {$200.00}. I deducted the {$29.00} charge from the bill. 

The total amount that XXXX has overcharged me was {$78.00}. I enclosed my check number XXXX in the amount of {$610.00} which was my final payment to XXXX. I do not owe XXXX any further charges. XXXX then to sent the {$78.00} charges to XXXX XXXX XXXX and neglected to remove the erroneous charges from my bill and put derogatory information in my credit reports. XXXX should remove this derogatory information. Please resolve this on my behalf.
Consumer complaint received 2020-04-07
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to open up a bank account I was told there was one already open under my name at the bank I went to that I never gave anyone consent to open. Please remove  these unknown items from my credit report.
Consumer complaint received 2020-04-07
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to open up a bank account I was told there was one already open under my name at the bank I went to that I never gave anyone consent to open. Please remove these unknown items from my credit report.
Consumer complaint received 2022-02-16
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 requested that you look into the material that I previously contested. I'm becoming frustrated since the items are still showing up on my report. If the material is not promptly reinvestigated and removed, and you continue to break the law in violation of the Fair Credit Reporting Act. I reserve the right to sue your firm or any other company you represent.
Consumer complaint received 2024-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: MEMBER FIRST MORTGAGE, LLC (IN)

Member First Mortgage bought my loan from XXXX XXXX  in XXXX. I have continued to make payment to the purchaser Members First Mortgage. They haven't paid my insurance out of the escrow. They sent me a letter in XXXX requiring proof of insurance. My insurance contacted them and I was told by the insurance company the issue was resolved. 
I received another letter yesterday requesting proof of insurance, I tried to contact them and there was a 25 minute waiting time. I tried to send a message via their website and was kicked off the site. I sent an email and received no response. 
I contacted my insurance company, they both emailed and faxed the request for payment with supporting documents. 
The payment was due XX/XX/XXXX. It has not been paid and Member First Mortgage is not responding to the insurance company or me. There are funds in the escrow.
Consumer complaint received 2022-02-16
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. (TN)

Recently I sent you a request to reinvestigate the information that I previously disputed. I do not allow e-Oscar or any automated method of verification. These information still not removed from my report it is unacceptable and I am getting upset they are erroneous and it is impacting my life my credit rating
Consumer complaint received 2023-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (VA)

i have received a letter from a company called AMSHER COLLECTION SERVICES INC. 
This company is located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX.This company is attempting to collect a debt that we dont owe.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

To Whom it May Concern, I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : XXXX. PLEASE UPDATE MY NAME TO : XXXX XXXX XXXX. PLEASE UPDATE MY ADDRESS TOXXXX XXXXXXXX XXXX XXXX XXXXXXXX, OHIO XXXX XXXX. MY ONLY SOCIAL SECURITY NUMBER : XXXX XXXX. MY ONLY AND CORRECT DATE OF BIRTH : XX/XX/1971 XXXX. MY ONLY EMPLOYER IS : N/A I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy.

I have attached a copy of my identification card and a recent utility bill for verification purposes, as required by the FCRA. Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy. As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed. Thank you for your prompt attention to this matter.
Consumer complaint received 2023-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX ACCT # XXXX Date Opened : XX/XX/2015 I did a thorough investigation myself and noticed various inaccuracies. I have already tried fixing this problem with the company. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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 an account without my written instructions.

15 U.S.C 1666b A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Colony Brands, Inc. (OH)

XX/XX/XXXX I opened and established an XXXX XXXX  account with GINNY 'S, placed my initial order, paid down-payment, and completed my payments in XX/XX/XXXX. 

On XX/XX/XXXX I placed another order with my account. For some unknown reason, there was a hard inquiry added to my credit. I contacted the company and alerted them to this issue and was told : ( 1 ) that I don't have an account, which the website clearly says I do. I even provided the account number and type. Was still told that I don't have an account, ( 2 ) that they pull credit on EVERY order which violates how revolving credit works, ( 3 ) that all information was on their website which it isn't.

I spent almost 2hrs on the phone and still received no resolution.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to dispute the validity of a collection account that is appearing on my credit report. I Have found multiple inquires, credit card accounts and debt that i have not approved of or knew about from companies such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STATE FARM BANK, FSB (TX)

On XX/XX/2020, I paid a settlement amount of {$670.00} to XXXX  XXXX XXXX for the debt amount of {$840.00} accrued with State Farm Bank. XXXX  XXXX XXXX told me State Farm Bank is responsible for reporting to the credit bureau. I have filed multiple disputes with XXXX  that have included an attachment of the settled account letter from XXXX  XXXX XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2020. The account still remains. I have tried getting a hold of the right people with State Farm Bank that can help me. I was always Transferred to someone who could not help me or transferred to XXXX XXXX XXXX  which tells me my account has been settled and it is State Farm Bank who is reporting the information. On XX/XX/2020, I finally got some kind of answer from an employee of State Farm Bank. I was told the paid account would be reflected on the next credit cycle XX/XX/2020 based on information gathered from XX/XX/2020. This account was paid on XX/XX/2020. It should already be on my credit report as paid. Instead the company has continued to report derogatory remarks for the month of XXXX stating that I have a {$160.00} balance.
Consumer complaint received 2022-02-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (GA)

Statement of Denial letter dated XX/XX/2022 list Principal Reason For Denial as " XXXX does not XXXX credit on the terms requested ''. 

When I call and ask what terms did I request that XXXX does not XXXX, I am told there were no requested terms outside of the bounds of what XXXX  does. 

I am told by XXXX, that I was refused the loan because of a Mortgage Foreclosure with XXXX, which has nothing to do with the requested terms. 

When I asked XXXX to plainly state that I was refused due to the Mortgage Foreclosure, XXXX  refused to do so. 

The Mortgage Foreclosure first missed payment is XXXX or XXXX XXXX XXXX & does not appear on my credit report. Our credit scores are XXXX XXXX to low XXXX. 

I feel that the denial letter should plainly state the reason for denial, instead of being false.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I have XXXX hard inquiries from the XXXX XXXX XXXX XXXX that occurred between XX/XX/XXXX and XX/XX/XXXX, yet I have no financial business with them and never have. I am self employed but not a small business.