davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-11
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)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I investigated my credit report, I realized that some of the information was erroneous. The Experian and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below. As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditorXXXX XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Consumer complaint received 2022-11-11
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. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-11
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. (SC)

On ( XXXX ) I disputed an account reported by ( XXXX XXXX ), in the file you maintain under my social security number. I was informed on ( XXXX ) that the item was deleted on my credit report. By XXXX. I was informed by XXXX the account was deleted on XXXX, and Experian deleted the account on XXXX Now I have discovered that the item has been reinserted on my credit report. 

The collections account needs to be deleted as my rights have been violated.
Consumer complaint received 2022-11-11
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. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-11
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. (NC)

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX NC XXXX XX/XX/2018 ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2017-08-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (MI)

Dear Representative, It has come to our attention that our mortgage was sold to a new servicer. Our goal is to get the proper payment address and further assistance with a new loan modification. The payment made was returned for incorrect address given to us by the customer service line. Thank you!
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2022-11-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (AL)

During the pandemic my company cut back hours and unfortunatelyshut down due to Covid. I lost income, therefore I contacted credit acceptance the company I had a car loan through. To make payment arrangements which I continue to keep up, if I couldnt I would contact them to modify the arrangement. My vehicle I finance through credit acceptance was almost paid off. Well XXXX night I was awakened to a loud sound coming out my yard. It was my vehicle which I financed through credit acceptance being repossessed, snatched out of my yard without any notice. Credit acceptance did not contacting me giving me any information that they would repossess my car before repossession. After communicating and making payment arrangements with them I trusted they would do the right thing. My vehicle was nearly paid off. I have been without a vehicle every sense. Credit acceptance have put a ridiculous dollar amount and Put voluntary repossession on my credit to XXXX, XXXX and XXXX XXXX and that not the truth.
Consumer complaint received 2022-11-11
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: TRUIST FINANCIAL CORPORATION (TX)

on XX/XX/XXXX I paid off my account with Service Financial and overpaid by {$700.00}. I notified the Company of this overpayment and they told me they cut a refund check on XX/XX/2022. I called them on XX/XX/XXXX inquiring about my check. They told me to wait until the XXXX and contact them again. On XX/XX/XXXX I called and they told me to wait until XX/XX/XXXX and they would cut another check. I called again on XX/XX/XXXX and they told me to wait until XX/XX/XXXX and that they would submit another request for a check to be cut on the XXXX. You can see where this is going. This bank is based in XXXX XXXX, FL yet is doing business through XXXX XXXX XXXX Ohio. I spoke with a supervisor named XXXX on XX/XX/XXXX. At least he tried to explain the entire process. I need the {$700.00} dollars now.
Consumer complaint received 2017-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (FL)

I received a letter from Citi Mortgage on XX/XX/XXXX that they had purchased my loan. I sent a Q.W.R. to Citi Mortgage and ask for 3 things 1. Copy of the note as it is today with any and all endorsements. 2. a copy of all payment records from when the day the note was signed until today. 3. The physical location of the original blue ink signed note so i may review the original. I received a response from Citi Mortgage on XX/XX/XXXX which included a copy of a mortgage note and the letter stateing that the loan history would be sent under separate cover. However no mention of where the physical location of the original blue ink signed note is located. Today i am sending my 2nd request to Citi Mortgage for them to provide the location of the Original blue ink sign note.
Consumer complaint received 2022-11-11
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)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2022-11-11
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: Experian Information Solutions Inc. (PA)

I have a Home Equity Line of Credit managed by XXXX XXXX XXXX. In XXXX, I noticed my monthly payment scheduled for XX/XX/XXXX was not automatically withdrawn. I have a 15 days grace period and my payment was due on XX/XX/XXXX. On XX/XX/XXXX, I called XXXX XXXX XXXX. I talked to a representative who took my payment online. Unfortunately, I later learned that this representative incorrectly applied my payment to the principal instead of taking it for my monthly payment which made my account delinquent. In XXXX, I called XXXX XXXX XXXX and was told the mistake was on their end and they would fix it and let the credit reports now that my account was not late. In XXXX, this was still not done and I was told the same thing again. I called today and apparently this is still not fixed. My account on XXXX still shows a late payment of 30 days. This is impacting my credit score and the company has taken more than 60 days since I first notified them of the issue. Every representative I talked to has always told me XXXX was at fault and that would be fixed but nothing happens.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

My identity has been compromised since before 2008 when I was XXXX  for 4 years and people were opening accounts in my name and it has not stopped since. I really noticed the extent when I went to file taxes and they said someone already filed in my name. Also XXXX XXXX, and who know what else that I have-not found or seen yet.
Consumer complaint received 2023-07-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: United PanAm Financial Corp. (VA)

I contacted the XXXX  office who has the debt, this vehicle broke down immediately after having it not long. the dealership sold bad cars and had a reputation and was closed down right after I purchased. I was told by the dealer that they knew the car was a bad vehicle yet still sold it to me. they told me to contact the lendor XXXX XXXX XXXX  refuses to answer.
Consumer complaint received 2023-07-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (MI)

I did a maintence repair for a costumer and was payed with a check the information was not verify on the check and was believed to be fraudulent and as a result previous chase account was closed and I have been denied opening a new account at diffrent banks and branches
Consumer complaint received 2022-11-11
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. (NY)

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 a 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 end consumer credit plan as late for any purpose
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 



1. The inquiry was unauthorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please delete it from my credit report. 

2. The inquiry was unauthorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please delete it from my credit report. 

3. The inquiry was unauthorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please delete it from my credit report. 

Close Paid as agreed on time I was never late and this is inaccurate and an FCRA violation. 

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts listed below is in violation not reporting 100 % accurate. 
1. XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

2. I was never late and this is inaccurate and an FCRA violation. 
XXXX Account Number : XXXX Update this account to paid on time. 

3. Delete this unverified and inaccurate account. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

4. Delete this unverified and inaccurate account. 
XXXX XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

5. Delete this unverified and inaccurate account. 
XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

6. Delete this unverified and inaccurate account. 
XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

7. Delete this unverified and inaccurate account. 
XXXX  XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

8. Delete this unverified and inaccurate account. 
XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

9. Delete this unverified and inaccurate account. 
XXXX XXXX  XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

10. Delete this unverified and inaccurate account. 
XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

11. Delete this unverified and inaccurate account. 
XXXX  XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

12. Delete this unverified and inaccurate account. 
XXXX  Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me.
Consumer complaint received 2022-11-11
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. (PA)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-11-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (MD)

It was reported in the credit report on XX/XX/XXXX that I still have a balance with XXXX. This was the report : Date Reported : XX/XX/XXXX Collection Agency CCS COLLECTIONS Balance Date XX/XX/XXXX Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$59.00} Amount {$59.00} Status Date XX/XX/XXXX Date of First Delinquency XX/XX/XXXX Status UNPAID I already paid in the amount of {$63.00} last XX/XX/XXXX.
Consumer complaint received 2022-11-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Supreme Lending (SC)

Our home builder partnered with Supreme Lending, requiring us to use them for our preapproval. Once we were preapproved, Supreme Lending offered us a rate lock incentive for a 9-month rate lock with up to three 30-day extensions. We accepted the offer as outlined and had our interest rate locked in with Supreme Lending in XX/XX/2022 expiring 9 months later on XX/XX/2022. Once it looked like we may not close by the initial rate lock date of XX/XX/2022, I began asking Supreme Lending about the 30-day rate lock extensions that were advertised. I was told the extensions were no longer available. We now know we will not close before the initial 9-month date of XX/XX/2022 and Supreme Lending is refusing to honor their rate lock extensions as advertised. I reached out to Supreme Lendings complaint department and was redirected to the Operations Manager in their branch who again told me they are no longer honoring the three 30-day rate lock extensions that they advertised in our model home as recent as XX/XX/2022. We are working to keep the interest rate that we were told was locked in for us for up to one year.
Consumer complaint received 2023-07-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Western Mercantile Agency, Inc (OR)

I sold a vehicle to an individual approximately XXXX year ago and the buyer never registered the vehicle into his name. The trailer park were said individual lived had the vehicle towed from the property by XXXX XXXX XXXX western mercantile insists the debt is mine, however I have a Bill of sale from the transaction. I sent an email of the bill of sale to western Mercantile agency And they said that the signatures do not match which is not true, the buyer and seller signed the bill in front of XXXX another and the buyer will attest to the transaction. This is not my bill and I provided proof to no avail. The owner of the towed vehicle is responsible for this debt, not myself. I do not live at the address it was towed from not have I ever lived at said address.
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

A visa credit card was opened with Bank of America without my consentreceived it in the mail. I called BoA to reportthey said it was fraudulent, but gave me no more info. I have frozen my credit : they were supposed to send me above info with application copy, but still havent done so