davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-26
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. (OK)

The Experian Credit Bureau is reporting an unverified information on my Credit Report. As I have stated on the letters and complaints I submittted, I never made this inquiry neither did I authorized anyone to inquire about this on my behalf! I have been a victim of identity theft and I never received anything as a result of the theft of my identity. Is it that hard for Experian to understand? I have been asking for Experian to provide me copies of documents bearing my signature to support their claim that this inquiry was made by me or by anyone I authorized but they have not given me anything! Is it that hard for Experian to verify a disputed inqury? Since nobody cares about this Inquiry, the only option is to remove it from my Credit file which was never done by Experian. My Legal counsel and me are halfway through complete to filing a lawsuit agains the Credit Bureaus because of their willful non-compliance of the FCRA regulations. And if Experian chose to not comply with my requests to remove the disputed inquiry on my Credit report, I will be adding this charge to my lawsuit against the Credit Bureaus. I need this inquiry removed from my Credit Report now! 
XXXX. XXXX XXXX, XXXX XXXX XX/XX/2021
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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 U.S.C. 1681 Section 602 A. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2022-07-12
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: General Motors Financial Company, Inc. (OH)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 


1. GM FINANCIAL Account XXXX : XXXX Please remove it from my credit report. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX  COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 


PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2022-07-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The credit bureaus stated my account received a properly investigation of my disputes but how is that possib ; e if the open date is inaccurate the date last active is inaccurate and the date last reported is not accurate. This ground for removal they also violated my rights under : 15USC 1681 SECTION 602SA ; STATES I HAVE A RIGHT TO PRIVACY 15 USC 1681 SECTION 604A SECTION 2 : STATES A CONSUMER REPORTIONG AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS According to 15USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} I want {$1000.00} per violation
Consumer complaint received 2022-07-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

Upon reviewing my updates, there are incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. The following personal information were inaccurate and needs to be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Updated : XX/XX/2022
Consumer complaint received 2022-07-12
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. (RI)

In accordance with the Fair Credit Reporting XXXX XXXX Account # XXXX, has violated my rights. This account is not my account nor was I the primary. I was only added as an authorized user to this account. I was removed from this account as an authorized user. The account does not belong to me and has been inaccurately reported to my credit report.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AE)

I sent Experian credit bureau a 609 letter to validate the incorrect account that is being reported on my credit report. This was on XX/XX/XXXX, and I have yet to receive a response back in regards to the matter. The following accounts follows ; 1.The following account is not mine XXXX {$6600.00} 2. The following account is not mine XXXX {$5300.00} 3. The following account is not mine XXXX {$550.00} 4. The following account is not mine XXXX XXXX {$78.00} 5. The following account is not mine XXXX  {$13000.00} 6. The following Inquiry is not mine XXXX XXXX  Date of Inquiry : XX/XX/XXXX A 30 day demand to comply letter was also sent to the Credit Bureau as well. Please see attached documents.
Consumer complaint received 2017-12-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NJ)

I am currently into month thirty on making the WRONG calculated payment that I should be paying on my 30 year term mortgage ... Recently I was informed that Freedom mortgage was willing to help by increasing my term up to a 40 year term only to save me {$100.00}. Realize that this was after a 2 year miscalculation on my payments from the original lenders that caused this entire mortgage to snowball on me. I was in the process of resolving the issue by paying back the ESCROW SHORTAGE that this caused me when I refinanced from these amateurs. And then at this time it was supposed to be reviewed and adjusted in my favor to get a reduction on my mortgage ... It has now come to terms to seek some kind of help on this entire hardship that is causing me Including all documents and HUD copies to be reviewed. At this time I have no choice rather than to take this bogus offer only so I can afford to continue to fight this matter. Or I may even just pay the taxes only personally to my county to make this matter kick in by getting worse to prove what a missed tax payment from so called Authorized, Professional resources can cause ... I mean how hard can it be to review a scam that took place practically in my hometown approx 30 months ago?? Could both my Girlfriend and I mistakenly misunderstood the closing agent who acted as a notary public on the evening of XXXX XXXX and stated to us that " this cashier 's check for the amount {$2400.00} is going to your county so you KNOW that you have piece of mind knowing that your 1st quarter taxes are paid. '' And we thanked her. XXXX also stated to me that, to make sure to follow up because she did not really know the company that sent her to my home to sign the HUD and she was ONLY working as a notary public on that evening in early XXXX XXXX ... .I actually did call my township and the clerk stated to me that there was a check and they were waiting on the bank code where to place it? At this time I thought everything was fine, and 5 months after that I just starting receiving all kinds of delinquent notices ... ... ..I mean how much more can I prove to you people who ever you even are because I am getting sick and tired of everyone not being a man enough to stand up to me face to face or one on one to at least discuss or resolve this issue because next XXXX XXXX I am going to be on this stupid computer cell phone technology modern science trying to communicate over such a simple matter. Or at least say to me : look XXXX XXXX I am not reading the HUD properly or I was suppose to rush down to my county clerk to start my NEW escrow account. Somebody has to take a look at these facts.
Consumer complaint received 2022-07-12
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. (RI)

In accordance with the XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. This account is not my account nor was I the primary. I was only added as an authorized user to this account. I was removed from this account as an authorized user. The account does not belong to me and has been inaccurately reported to my credit report.
Consumer complaint received 2018-11-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc. (FL)

I first contacted First Federal Credit Control about a {$130.00} collection item on XX/XX/XXXX. I asked them to validate the debt. See attached letter. They ignored my request. I have written to them every month since then but to no avail. Apparently FFCC is not familiar with the requirements of the Fair Debt Collections Practice Act that requires them to remove any reporting if they can not validate it. I need your help in getting them to comply with the law.
Consumer complaint received 2018-11-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: DISCOVER BANK (NJ)

Discover personal loans does not maintain accurate financial information if accounts. 

The also employ deceptive practices to sell loans to customers which in reality appear to be credit accounts or credit cards with no fixes amortization schedule. The payoff changes with, extending the monies due and term without notification or authorization. 

Numerous payments ahead or on schedule does not reduce the principle balance. Numerous times have occurred where no principe or interest applied to the payoff balance. They are unwilling to account for the discrepancy or respond in writing for forms request. 

Agents have stated that customers who paid up to a year in advance are charged additional daily interset as common practice. 

No response from the company and lack of any responses, let alone valid information about accounts leads me to believe that have an unethical culture and are intentionally hiding fraudulent and unlawful practices.
Consumer complaint received 2017-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

XXXX XXXX XXXX COLLECTION BOUGHT FROM XXXX XXXX ONE ACCOUNT IN MY NAME. THE ORIGINAL AMOUNT OWN IN THIS ACCOUNT WAS {$2500.00}. XXXX NEVER GIVE ME CREDIT FOR THE 16 MONTHLY PAYMENT. XXXX CONTINUE TO REPORT TO THE CREDIT REPORTING AGENCIES THE AMOUNT OF XXXX. FIRST MISSED PAYMENT WAS IN XXXX. XXXX XXXX XXXX IN VIOLATION OF THE FAIR CREDIT REPORTING ACT IS RE-AGING THIS ACCOUNT TO A LATER DATE XXXX XXXX, XXXX. IN ADDITION XXXX XXXX XXXX IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT BY REPORTING ADDITIONAL XXXX FOR A TOTAL AMOUNT OF XXXX. I FOUND THE FOLLOWING INFORMATION IN THE FEDERAL TRADE COMMISSION WEBSITE, PREVENT RE-AGING ( INACCURATELY CHANGING THE DATE OF THE FIRST DELINQUENCY ON A CONSUMER 'S ACCOUNT TO A LATER DATE ) AND DUPLICATIVE REPORTING, PARTICULARLY FOLLOWING XXXX XXXX OR SALES, MERGERS, AND OTHER TRANFERS. BOTH COMPANY XXXX XXXX XXXX AND XXXX XXXX ARE REPORTING THE SAME ACCOUNT WHICH IS A DUPLICATE ACCOUNT AND IN VIOLATION OF THE FAIR CREDIT REPORTING ACT. BOTH ACCOUNT ARE MAKING A BIG IMPACT IN MY CREDIT REPORT. THE FCRA PROVIDES FOR MAXIMUM PENALTIES OF {$3800.00} PER VIOLATION ...
Consumer complaint received 2018-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (TX)

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed. 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 inquires 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. Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, send me confirmation that you have complied with my requests.
Consumer complaint received 2022-06-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MO)

This started when Freedom mortgage took over my account. My first statement from them was on XXXX. First they cancelled my home owners insurance without notifying me. I didn't know this until I tried to purchase another home in XXXX of XXXX  and was informed from my loan XXXX. By that time rates had gone up and the best one I could find was an additional {$600.00} a year. 

Then I received a letter from my insurance company that they were about to cancel me for non payment. When I called Freedom mortgage they said it had been paid. That was a lie. I had to have my agent XXXX way call to get a straight answer so that they would actually pay. 

Now that all this has happened that are raising my mortgage payment from {$810.00} to {$1000.00}. 

My county taxes have also gone up {$200.00} this year. 

So its an additional {$800.00} a year. I don't see how they can get away with charging me an additional {$2900.00} a year.
Consumer complaint received 2018-11-15
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (CA)

Hyundai Finance has reported a late payment on my credit report, when I was never late, I even received a refund since my account was paid in full and it was always in good standing. This would be for the 2017 Hyundai XXXX.
Consumer complaint received 2018-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (WI)

I GOT A 'CARECREDIT ' CARD WITH MY DAD AS CO-SIGNER SEVERAL YRS AGO & THE XXXX  I USED IT AT DID HARDLY ANY WORK ON MY XXXX  BUT HE TOTALLY MAXXED OUT THE CARD WITH CHARGES FROM WORK I NEVER GOT DONE & NOW I OWE OVER TWICE WHAT WAS THE ORIGINAL CREDIT LIMIT. I TRIED CONTACTING THEM ON SEVERAL OCCASIONS BUT TO NO AVAIL. I JUST WANT THIS DONE & OVER WITH CUZ I HAVE HUNDREDS OF THOUSANDS OF DOLLARS IN TRUE & REAL MEDICAL BILLS DUE TO MY XXXX, MY DAUGHTERS XXXX & HUSBANDS XXXX & THIS ONE NEEDS TO GO CUZ THE COMPANY & COLLECTION AGENCY THEY USE R RUDE IGNORANT LIARS!
Consumer complaint received 2022-07-12
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 this isn't 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 719XXXX has me at a score around 590. 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 n 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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n 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 n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I, XXXX XXXX  XXXX, consumer, and natural person, I am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). 
CAPITAL ONE you have continually furnished a misleading, incorrect information to the credit reporting agencies this has violated my federally protected consumer rights to fair and accurate credit reporting under 15 U.S.Code 1681 ( a ) ( 1 ). 

Further to the above violation CAPITAL ONE you are reporting a charge off account, and from the defination of a Charge off account ( XXXX XXXX XXXX XXXX XXXX XXXX ) Charge-off is To treat ( an account receivable ) as a loss or expense because payment is unlikely ; to treat as a bad debt. Furthermore from same XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) a Bad Debt is an uncollectible, debt and that may be deductible for tax purposes. 

This is a notice to CEASE and DESIST. This is misleading and it is affecting my ability to get approved for loan, Mortgage and Credit Card to better my life and family life. It has made me XXXX 

As the consumer and natural person, I am invoking specified remedy and make the following demands : Cease and desist furnishing/reporting to all consumer reporting agencies of the charge-off account that you have already profited from by using as Tax Credit. 
Remove reporting of the charge-off account from all consumer reporting agencies. 
Provide acknowledgment of this official notification. Do not report ANY information bearing my identification again. 

Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA.