davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-17
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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
Consumer complaint received 2019-10-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UMPQUA HOLDINGS CORPORATION (OR)

I was informed via a scam looking email that my mortgage had been sold to XXXX XXXX. I was not informed in any way by my original bank, Umpqua Bank, although they keep telling me they sent out a letter. My problem is not that my mortgage was sold. It is that I was not informed as is required. And XXXX has a HORRIBLE reputation for being completely incompetent. How is this the company that I now have to work with?? I would never have allowed my mortgage to go to a terrible, unreliable company had I known. I am so disgusted that I was sent from a reputable company to a bad company without any warning. This can not be the way things are run. I think it is dishonest of Umpqua to put people in this position. I would have never given them my business had I know they would be so careless with something so important to me as my home. DON'T get a mortgage from umpqua bank!
Consumer complaint received 2019-09-30
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: American Credit Acceptance, LLC (TX)

Your company illegally pulled my credit within the past 2 years. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

Back in XXXX XXXX A Creditor XXXX XXXX  stated that I have an Account with them I have no knowledge of this account I have been trying to Dispute never ends up getting it resolved
Consumer complaint received 2023-01-27
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. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2020-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

I received a letter from Convergent Outstanding Inc saying that I owe {$650.00} to XXXX. I never opened an account on my own with XXXX. I was under my dad 's plan, under his name and always paid in full. I do not owe any debts to XXXX as I never had an account. 

The first time I received a letter was two months ago for about {$220.00} and I paid for it without thinking because there was a time in college I let my friend used my address for phone bill since he lives in a different state, and plus I don't want a debt to ruin my credit so I paid for it without even checking in with my friend first. However, after confirming with him, and he called XXXX to confirm this and they said they have no record of a debt I wish I did some research before paying for the first time. I've learned a hard lesson. Also, everything I received in mails ALWAYS included my middle name or middle initial. ( see attached and you don't see my middle name/initial ). This company is a fraud and horrible and these people need to be stopped.
Consumer complaint received 2019-09-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MARINER FINANCE, LLC (PA)

Mariner Finance in XXXX PA keeps calling and threatening me to take me to court. I've asked on several occasions to have my payment date moved to after the third of the month so I can pay on-time with my Social Security check.
Consumer complaint received 2021-05-10
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. (MN)

I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information XXXX A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : 1. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX  on XX/XX/XXXX. I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Consumer complaint received 2019-09-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I have sent several letter to Account Resolution Services ARS XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX. Fl. All 3 letters were sent VIA US postal services Certified Mail and receipt were returned. I have asked that they proved a letter of validation however they keep sending me bills. 1st letter sent XX/XX/2019 next letter XX/XX/19 and last letter sent XX/XX/19 I  have attached one letter of what I have sent. And ever time I send a letter they update it on my credit report with new amounts that decreased my over credit score with all three bureaus.
Consumer complaint received 2019-04-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Avant Credit Corporation (NJ)

Dear Sir/ Madam, In XXXX of XXXX, I obtained a small loan of {$3000.00} from Avant, www.avant.com, I applied for it online, Avant received their payments on timely manner until the loan was paid in full in XXXX XXXX as per the terms. 
Although, the loan was paid off, they kept my personal information exposed in their system, that included the name and address and phone number and my Social Security number & more, which suppose to have been deleted and the account should have been closed after the last payment. 
On XX/XX/2019, I received an email from Avant claiming that I was declined for a credit card that they supposedly have, I never applied for the alleged credit card, nor I had any knowledge that they even offer a credit card, beside the fact, I am not in need of their credit card. 
I attempted to call Avant and speak to the supervisor, I told her that I never applied for Avant credit card, and I asked her to show the information on the alleged application! she refused to give any information about the address on the application that supposedly was for the credit card, she refused to mention any information that did not match my information on the Fraudulent act. 
This alleged claim, caused a hard inquiry on my credit report which caused a big damage to my credit reports, and I do feel that my information was stolen & robbed internally at Avant 's corporation by one of their individuals. They sent me an email asking me to fill an identity theft report, I refused to do that, because the credit bureaus will keep that on my report for two years and freeze all my information. 
I sent Avant a letter by a certified mail, it's attached on this complaint advising Avant to delete my information immediately from their system and confirm it with a formal letter addressed to me. 
I also want to demand a letter from Avant to all the credit Bureaus to remove the hard inquiry that has been caused by their intention and negligence. 
Letters have been sent to the proper authorities and to my Attorney and to Illinois  State Attorney General. Avant is located - Avant XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, Illinois XXXX I respectfully ask the CFPB to use it's legal inspection and investigation and force such fraudulent behaviors in such agencies to face the law and to stop them from robbing consumers information for their personal and fraudulent uses. Thank you
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OR)

XXXX XXXX is reporting late payments on my account for XX/XX/2017 & XX/XX/2017. These lates are inaccurate. My account was set up to auto draft every month. I shouldn't have any lates and they need to be removed.
Consumer complaint received 2023-03-17
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX  XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX Balance : {$150.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$880.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$230.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NC)

As part of a new home loan a check was sent from a law firm to pay off my loan. The first check cleared the law firms bank on XX/XX/19. I called on three different occasions ( XX/XX/XXXX, XX/XX/XXXX and XXXX ) and was given three different answers. Finally I was told that the payment was sent to the wrong department and they were sending the money back to the law firm which could take up to 3 weeks. The law firm did receive the check back and sent the new check to them again. This new check cleared the law firms bank on XX/XX/19. I have once again called 3 times ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and again have been given three different answers. I am now being told it will be posted to my account no later than XXXX and it will be back dated to XX/XX/XXXX. We will see what happens on XXXX
Consumer complaint received 2019-09-30
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. (MI)

XXXX, XXXX and associated lenders on this disputed student loan balance, continue to list this account as delinquent on my credit reports. This, in light of the fact that these lenders are taking more than $ 700 monthly in payments from my social security benefits and the co signer on these disputed accounts. While they have finally made good on delivery of the back paperwork needed to try to rectify this loan, I'm not sure how they can take monthly payments and still list my account as delinquent? This is very hurtful to say the least. 
How can I get them to stop?
Consumer complaint received 2019-04-02
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. (MD)

XXXX Account XXXX. XXXX I recently pulled my credit report and discovered that my mortgage account with XXXX is reporting my account as being adverse and delinquent when it is not. 

According to XXXX, they claim it is being reported accurately. However, when you look at my credit reports, the XXXX account is being reported as delinquent every month by all of the credit bureaus, when it is not. 

Ive repeatedly asked XXXX to fix this problem by removing the wording in the remarks section. In the remarks section for each and every month, XXXX writes, BANKRUPTCY DISMISSED. By making this adverse notation, it incorrectly appears that I am filing for bankruptcy each and every month, which is not the case. This adverse remark should not be appearing on my XXXX account at all. They had nothing to do with any bankruptcy. It is also being reported as one month late when it is not. There should be no late reporting. Consequently, the XXXX account is showing the account as delinquent when it is not. 

I am requesting that XXXX delete the remarks on my credit report immediately.
Consumer complaint received 2019-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I disputed accounts with Transunion and sent them a letter by certified mail on XX/XX/2019. The accounts in question were by XXXX and Transunion received the letter on XX/XX/2019. I received a response from Transunion dated XX/XX/2019, but the results did not include the XXXX account. It is now XX/XX/2019 and been over 2 and a half months without a response regarding the account.
Consumer complaint received 2019-09-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (FL)

Convergent has been attempting to collect {$850.00} since XXXX. They re-aged this debt in XXXX, making it look newer and having a significant impact on my credit. The correct amount for this debt is {$450.00}. Convergent has been reporting the wrong date AND amount. This has caused huge financial strain and loan denials.
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

After checking my credit I realize that I have been victim of identity theft, inquiries has shown in my credit report that i did not authorize. 
An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file, please remove any other address, other than my current to prevent others to use my name. I'm reporting this as an effort to clear my name.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

Bank of America is falsely reporting late payments. 
Bank of America has acknowledged this MULTIPLE TIMES IN WRITING Yet continue to falsely report late payments that were NOT and there is PROOF.

The credit reporting agency is now also liable to falsely reporting this. 
{$1000.00} plus daily punitive and actual damages. Including mental anguish. 
Now ALSO flase reporting to XXXX
Consumer complaint received 2019-04-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC (TX)

End XX/XX/2017 XXXX  XXXX contract woman. I handed her XXXX. Then she showed me contract. First thing was ... you see this..this means I have to be nice to you. XXXX XXXX was with me and began recording the way she talked condescending to me. Contract woman refused to give me back my XXXX which was 6 months back pay of XXXX I'd given her telling me I could walk out XXXX lighter or sign for and buy truck. XXXX XXXX took full advantage of me, XXXX on medication. It was robbery and they refused to take it back because they had me coming back and forth and not doing what they said they'd do. XXXX down disappeared because selling price for XXXX XXXX  XXXX on contract was original XXXX. They added stuff I didn't want and she said too bad because its all been added. American acceptance charging 24.99 % interest. I've paid over XXXX but yet payoff is over XXXX .... 
They gave me no choice so I was stuck with no one to defend me. I just now found out who all to complain to! My health isn't good so I'm down more than up ... time passes me by. It was a crooked criminal deal and I was forced because she refused to give my XXXX is just handed her a few minutes earlier back. The only resolution would be to call the XXXX plus as paid in full. Or call it paid and buy back from me for XXXX or just a fair remedy for resolution from the humiliation of the treatment the way it was forced on me and telling me sign or walk away XXXX lighter. I want them both held accountable!! XXXX XXXX XXXX and American Credit Acceptance. I've got contract that I can send. There should also be federal laws regarding this criminal act against XXXX XXXX   XXXX person plus they especially she were discriminating against myself and my young friend from XXXX.
Consumer complaint received 2024-03-15
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

This morning I checked my credit score in anticipation of buying a car tomorrow morning when I discovered a XXXX XXXX credit card had been opened by someone using my information without consent or my knowledge. While dealing with that, I went to lock my credit report on XXXX when I received a notification that a Kohls credit card had also been opened using my information without my consent or knowledge. I've contacted both Kohls and XXXX XXXX and reported the account as fraudulent/identity theft. I learned that the Kohls card was opened at the XXXX XXXX location in XXXX, WI on XX/XX/2024.