davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Southern Auto Finance Co (VA)

This info below includes Safco as well, here is the situation Safco ... ... .I received a call from XXXX advising me my account was past due, and l told her no it is not, l told there there is an error, she told me l needed to contact Safeco, which l did on XX/XX/2020 who told me they will reach out to XXXX XXXX in the meantime XXXX told me that they would have repossessed and l told here for what was she talking about that l am 100 % current on my loan and payments. I am asking your department to get ask for an update of what the discretion is as Safco tols me it is not in arrears and that also they told me XXXX has not sent over payment l spoke to XXXX a supervsior at Safco. I have email confirmations on all payments. There calls are recorded on XX/XX/2020 l submitted payment, then on XX/XX/2020 l called to see what the problem was that my payment had not gone through the bank XXXX said it did not go through, so l said it never went to my bank as my bank verified they never attempted to send the payment to my checking account and that is what prompted me to call them, gave them the checking account info again and then on XX/XX/2020 get called from XXXX telling l was 3 months in arrears and was getting ready to have my car repossessed and told her my account is up to date, she tried telling me that both dates in XXXX did not go through and l told her that she told me on XX/XX/2020 that there might have been one number out, there calls are recorded l welcome they pull the call, on XX/XX/2020 she never said my account was in arrears which it is NOT it is current and up to date and l told her that l have all email payment confirmations, I called Safco and they told me it is not in arrears and that they will also call XXXX as XXXX has not been documenting in my account and Safco said have not sent over payments as well. The right hand does not know what the left is doing, l am asking they fix this error that has occured with my account and there company. Safco told me they have never reported, my discharge date to them as well.
Consumer complaint received 2020-02-06
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: Bread Financial Holdings, Inc. (WI)

In XX/XX/XXXX I received a notification from XXXX XXXX that there were two new Hard Inquires on my credit. I logged in to XXXX XXXX and immediately realized that both of these inquiries were completed on XX/XX/XXXX and were fraudulent. I initially contacted the creditors who were XXXX, XXXX XXXX XXXX Comenity CapitolXXXX and advised these were fraud. They both advised these were credit card applications completed online and they were flagged in there system and no accounts were opened. I then proceeded to freeze my credit on all 3 credit bureau and file a police report. These inquiries were only showing on my XXXX   credit report. I sent multiple letters to XXXX  to remove these as they were fraudulent and attached the police report. I then had to call XXXX   and advise them to remove. They ended up finally removing on inquiry ( XXXX, XXXX XXXX  ). Over the next 9 months I sent mutiple letters and placed multiple calls to XXXX  and they would advise they would remove. They always sent the same investigation results that don't make any sense and they don't remove the Comenity Capitol/XXXX inquiry. I have included a rough timeline of events below. 

XXXX fraudulent hard inquiries XXXX-Both creditors contacted and advised fraud and credit locked on all 3 bureaus. 
XXXXPolice report filed XXXXCalled XXXX  and they advised they would remove these XXXXMailed a complaint and police report to XXXX  to remove as fraud -A couple more calls over the span of a few months XXXXMailed another complaint to remove the one inquiry that isn't removed -Called made to XXXX  where they advised they would remove this inquiry XXXXMailed another complaint to remove the one inquiry that isn't removed XXXXCalled XXXX to remove inquiry again and they advised they would As of today this fraudulent Inquiry is still on my XXXX  credit report.
Consumer complaint received 2019-01-24
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. (CA)

I am writing to dispute a fraudulent charge on my account of {$25000.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX with ACCT # XXXX  opened on XX/XX/2017 with a credit limit of {$25000.00} -This is not my account.
Consumer complaint received 2019-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Dream Center Education Holdings (CA)

XXXX University is being held in receivership for what is at best, incompetence regarding money management and at worst, fraud. The semester began XX/XX/2019 and it is now XX/XX/2019. Financial Aid has not been disbursed to the students, but remains in the school 's accounts while students are told that disbursements will happen " this week '' and then the next week. I am XXXX XXXX in XXXX. This is unacceptable. My loans are accruing interest while they remain in XXXX 's account.
Consumer complaint received 2020-02-06
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. (IN)

I have an Dept of EdXXXX account that was opened on XX/XX/XXXX thats reporting 2 late payments. I have disputed the late payments with the 3 credit bureaus on the basis of reporting inaccurate information. Each time the 3 credit bureaus stated that the Dept of EdXXXX verified the late payments as accurate. I received a email from Dept of EdXXXX on XX/XX/XXXX. It states that ; this is a reminder that your current 12- month Income-Driven Repayment ( IDR ) period will expire soon. How are the late payments accurate if I was on a 12 month IDR plan? I am uploading my email and a screenshot from XXXX XXXX of the late payments.
Consumer complaint received 2022-09-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have a bank of america checking account ending in XXXX. Which I wanted to close. But every time I call there is too much long hold. Once i was able to get hold of a person on phone but the phone got disconnected in between. 
Please close this account as I don't need it. 
Moreover please have chat and secure mail option to do this.
Consumer complaint received 2020-02-06
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)

I already reached out to Experian and to XXXX XXXX  and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations still persist on my credit report.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

My account has been frozen or card cancelled more times than I can count. It got to the point I had to get a new card almost every month because of illegal activity or something. XXXX years ago they put a transaction through that they had already put through to years prior. I know it sounds crazy but this is the kind of stuff Ive been going through. They suspended my debit card at one point for a year. Why is my card being suspended when someone is getting in my account and Im showing you my card is in my possession. Then I have to wait on the arrival of the new card. XXXXXXXX XXXX XXXX2 I was at XXXX  XXXX XXXX trying to get a vehicle again someone got in my account. I told the rep I will change my PIN number dont cancel card. Her and I went back and fourth. XXXX XXXX left me careless and I was waiting on XXXX and XXXX still waiting on XXXX. When I got to final process of the rental car my card didnt work. The rep had closed the card. The problems and inconvenience are to numerous to count. From the fees, credit card fees, card cancellation, negative account, debit card problems, overdraft fees, and the list dont end
Consumer complaint received 2019-02-05
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. (FL)

XXXX, XXXX  SOC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX  To Whom it May Concern : Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX  I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes.

XXXX/XXXX  Inquiry from XX/XX/XXXX Bank XXXX  Mort Inquiry from XX/XX/XXXX Misc. 
XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX/XXXX   Inquiry from XX/XX/XXXX Bank XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX   Inquiry from XX/XX/XXXX Bank XXXX XXXX   Inquiry from XX/XX/XXXX Bank XXXX/XXXX   Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX 
XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX   XXXX. 
XXXX XXXX XXXX, XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX. 
XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX XXXX, XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX 
XXXX/XXXX  Inquiry from XX/XX/XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2019-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX XXXX # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. Box XXXX XXXX, GA XXXX TransUnion, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX/Airlines XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX/XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX, XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX  XXXX, XXXXXXXX XXXX   Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX/XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX/XXXX Inquiry from XX/XX/XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX # XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2023-01-26
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. (CA)

XXXX  XXXX XXXX XXXX XX/XX/XXXX past due 30 days XX/XX/XXXX past due 30 days XX/XX/XXXX past due 30 days XX/XX/XXXX past due 30 days XX/XX/XXXX past due 30 days XX/XX/XXXX past due 30 days XX/XX/XXXX past due 30 days This is a notice to remove late payments from my consumer report. 

In accordance with Fair Credit Reporting Act Laws, the creditor " XXXX  XXXX XXXX has violated my rights. 

Per Fair Credit Reporting Act Laws : 15 U.S.C. 1681 Section 603 d - Definitions ; rules of construction ( 2 ) ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1666b - Timing of payments : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX This letter serves as a formal complaint.
Consumer complaint received 2018-08-24
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. (NJ)

XXXX lease was closed out 2015 A/c number XXXX Experian has a balance due of {$410.00} and a XXXX  monthly payment that shows as due XXXX  shows that a XXXX  monthly payment is due Both are incorrect and XXXX has verified that this account is closed and nothing was due at the time it was closed
Consumer complaint received 2019-02-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (FL)

ATTENTION DISPUTE DEPARTMENT XXXX, XXXX XXXX # XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious FRANKLIN COLLECTION SVCS INC Last reported : XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX # XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Clarity Services (FL)

An Attempt to secure a loan through XXXX was negative- declined due to they could not identify me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was under the impression no credit check would be done but subsequently found out they used a company called Clarity [ " Clarity Services, Inc. is a credit reporting agency that provides information to our customers, who in turn decide whether or not to offer  credit or services to consumers. If your application has been denied by a subscriber of our services, their decision may have been based on the information provided to them by us. '' ] Clarity partners with XXXX whom I have a umber of complaints open with! I felt this was a sham. Attempts to contact XXXX proved long wait time and not return calls! They are a partner with XXXX and should have had access to any and all information concerning me. XXXX XXXXXXXX was aware I had a security freeze but as stated " NO '' credit would be pulled. '' Then why this?
Consumer complaint received 2020-02-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Certified Services, Inc. (IL)

Certified services inc. 
For the amount of XXXX i do not have know anything about this company or where it comes from this is identity theft and i am highly upset this is on my credit and this is messing up my name and my life and i am willing to get this resolve as soon as possible and i am willing to take every step to get this issue resolve
Consumer complaint received 2020-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

On XX/XX/XXXX we refinanced our home via a conventional 15 year mortgage with XXXX XXXX, later known as First Merit, now part of Huntington Bank. As shown on the promissory note in the attached document ( pages 1 and 2 ) the final payment was scheduled for XX/XX/XXXX At that time we discovered that there was still a balance on the loan. When we contacted Huntington Bank, we were told that this was due to the loan being based on " Daily Simple Interest '' and that the difference was due to payments that occurred on weekends and were posted a day or two after. All of the payments on this loan were made on time via automatic payment. We were compelled to pay a total of {$2800.00} after the Maturity date. In the attached documents we could find only a handful of payments where this might apply and nothing that indicated that it was this type of interest. Additionally, we were told that they could only give records going back seven years as that was all the IRS required. It seems absurd to me that the bank would delete records on an open loan. ( this is included in the email which is page 3 and 4 of the attached document ). 
Also the activity statement in the second document shows three transactions of {$2400.00} each on XXXX XXXX we were never informed of these transactions and no one that we contacted at Huntington Bank was able to explain this.
Consumer complaint received 2022-08-29
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. (IN)

The Credit bureaus XXXX, XXXX, Transunion, and XXXX XXXX stated account name & Account #, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX identification number XXXX XXXX, Address ID # XXXX. All four credit reporting agencies indicated that the account were properly investigation but how is that possible in the open date is inaccurate, the date last active is inaccurate, and date last repored is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearky states a consumer reporting agency can not furnish a account without my written instructions. They also violated my rights under 15 USC 1681 section 611 ( 2 ) ( a ) : The law Cleary states the credit bureaus have 5 days to notify me from when they recieve disputes. They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law cleary states if iteims are found inaccurate or can not be verified the consumer reporting shall propmptly delete the information from the file of the consumer. XX/XX/2022 I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if the case. How did the credit bureaus edify my bankruptcies as 100 % Accurate. They never did a fair investigation according to th 15 USC 1681. 15 USC 1681 Section 603 ( 3 ) ( E ) states ; The term ''investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's chahracter, general reputation, personal characteristics, or mode of living is obtained through personal interviews withneighbors, friends, or associates of the consumer reported on orwith others with whom he is acquainted or who may have knowlege concerning ny such items of onformation. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information ws obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to 15USC 1681 section 602 A. States I have the right to privacy.