davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-07
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

To whom it may concern Fifth Third Bank is reporting a 30-day late payment on my credit report for the month XX/XX/XXXX. This is an erroneous error. 

I made two payments for the mortgage payment for the month of XXXX, A payment for {$2400.00} posted on XX/XX/XXXX and a payment of {$1000.00} was posted on XX/XX/XXXX. Totaling the full amount due for the month of XXXX of {$3400.00}. So at no point were the payments a full 30 days past due. 

I tried to resolve this several times with Fifth Third Bank but I was not successful in getting them to properly investigate it. 

I am currently applying for a mortgage and the late mark is affecting my credit score and approval Please find my bank records, Mortgage Statements, and credit report attached
Consumer complaint received 2021-05-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NH)

There is a charge on each monthly statement that shows {$7200.00} as being owed to Mr Cooper but they can only explain about XXXX of it which I disagree with. They tell me the rest is from before they took over in XXXX so they dont know what it is but refuse to remove it from my account. I can only see back to XXXX on my online account access. This {$7200.00} shows back to then and I dont know how much further back. The figure has not changed. I have done their online messages and numerous phone calls over the years and still can not get any satisfaction. They have my interest rate at 7.625 % and each time I try to refinance to a lesser rate they tell me I dont qualify.
Consumer complaint received 2022-08-18
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. (TX)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
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 2020-02-07
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: Bridgecrest Acceptance Corporation (TX)

I have reported Bridgecrest as stolen I identified opened a account without my knowledge they too the original acct off but Bridgecrest sold that account and XXXX  put it back on wont remove it after it the the same account they removed before. Same issue with the sprint account on XXXX  they rude and dont listen to your statement or the FTC report sent I want those 2 accounts removed
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. (CA)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XX/XX/202XXXX XXXX XXXX XX/XX/2020 ; XXXX XXXX CA XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXXXXXX XX/XX/2020
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TN)

On XX/XX/26 I disputed A inaccuracy on my credit report which is a bankruptcy. XXXX  and Experian said that the bankruptcy came back verified.They could not verify the bankruptcies with this creditor because the creditor in this case is a Bankruptcy Court who informed me over the phone they do not verify bankruptcies with anyone. It is a violation of my rights. The letter I got from both Experian and XXXX  allegedly said they verified this was my account with XXXX XXXX which is a third party vendor and against the FCRA. Equifax wasnt able to verify that the bankruptcy was mine and have deleted the bankruptcy from my report.
Consumer complaint received 2020-08-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (GA)

I financed the vehicle with Bridgecrest Auto XXXX. I make all of the payments online. In XX/XX/XXXX and XX/XX/XXXX they drafted the wrong amount from account, lower than the actual payment. I contacted them regarding this and they said it would be re-drafted to make up the difference and there would be no affect on my credit. This did not happen and it is showing up as two late payments on my credit. I have paid the less then {$100.00} they forgot to take out out as soon as figured their rep lied to me. This was there fault and they are damaging my credit.
Consumer complaint received 2020-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: STATE FARM BANK, FSB (CA)

State Farm Bank is reporting a balance of 6,000+ to my credit report and its affecting my account. This account was not opened by me. I was a victim of Identity Theft but the company is still reporting this negative balance to my credit report.
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Americor Funding, LLC (TX)

Credit9 Loan represents them self as a LOAN company. When you initiate contact with them they do not identify them self as a credit repair company. They claim to be a LOAN company using this loan to pay off debt. They tell you upfront all calls are recorded. Then they tell you to stop making payments to the companies they are going to pay off. They explain this will take three to four months. That's not a loan. They state this is an unsecured line of credit. However, the only reason they would say stop paying, and this will take three to four months is because what they are doing is negotiating terms with who they will contact on your behalf. they identify all information as a loan company which is extremely misleading. They claim to be a cash Disbursement Department, however if its taking three to four months there is not any cash being disbursed, instead they are trying to work out a payment plan. Their misrepresentation needs to be stopped. I am attaching the information this company misrepresents them self as.
Consumer complaint received 2019-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MA)

My loans are serviced by Navient. 
At one point several years ago, one of my payments was late, according to Navient. I have been enrolled in an IBR program which sets my monthly bill at a specific rate. At some point following the late payment, yet not immediately following it, they assessed a late fee to my bill and so I paid it. The late fee remains still in subsequent bills and I called the company who told me that it would not go away because the amount I pay doesn't cover the interest, and that is policy. The customer service person ( XXXX  ) assisted me in using the custom pay feature to pay only the regular charge, even supplying me with the specific amounts for each loan and instructed me to call Navient the following day to specify that I wanted the payments allocated in this way. I didn't understand it, but followed directions. I called back the next day and, coincidentally, the same customer service rep answered ( XXXX ) and proceeded to tell me that no, I couldn't actually do that. I was then assessed an additional late fee due to the misinformation. My complaint in that case led to the removal of that late fee, but not the original one. It is clear that Navient dislikes the IBR terms and is using policy to exact more money. A late fee should not equate to changing the terms of my monthly amount..
Consumer complaint received 2017-11-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION ()

I opened a checking and online saving account with XXXX XXXX XXXX on XXXX at XXXX XXXX XXXX XXXX, XXXX TX XXXX when I worked at XXXX XXXX XXXX, XXXX XXXX XXXX. In summer XXXX, we moved to XXXX and left the bank account as it is. We still logged on to check balance occasional until a few years ago, we just can not login any more online. 

We tried to call XXXX XXXX XXXX by phone a few times, they needed to ask us some questions about myself 10 years ago, we can not pass such questions and it is not easy to make international call to wait on the phone for that. 

Later, we heard that after some year of inactivity, bank will move long time inactive money to government account such as state treasury. 

Therefore we dont know where is our money is, we need XXXX XXXX XXXX to tell us whether the money is still on their book, or they already move to escheat account, if yes, which state we need to reach to claim money.
Consumer complaint received 2022-08-18
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. (TX)

I have reviewed my consumer credit report and I noticed an unauthorized accounts from XXXX XXXX XXXX XXXX account under 15 USC 1681 number 3. Experian assumed this role without permission not only that you did not have my consent. Experian did not respect my privacy pursuant to 15 USC 1681 a number 4. Experian did not exercise its grave responsibility, the company was unfair, and partial. The company never had a permissible purpose pursuant to 15 USC 1681 b number 2. I never instructed or gave any consent for the to be reporting in the first place. What I am demanding now is that you all delete the accounts off of my report. Experian also is the only reporting agency reporting this account. They also have all of the payment history for each month as a collection this was never reporting of 30, 60, 90 days late. Please see attached.
Consumer complaint received 2023-06-30
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. (MD)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  MD XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00}
Consumer complaint received 2020-06-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO Bank, N.A. (IL)

I have called BMO corporate office several times and spoke with XXXX. I have advise her that my payments were being mis applied and bmo was reporting negatively on my credit report as a result of these mis applied payments. XXXX advise she woukd speak with the appropriate department and have them reach out to me once my payments were applied correctly. I never received a call and my payment are continously being applied incorrectly and my credit report is still showing negatively with bmo harris bank. Ive tried to call the corporate office and XXXX mutiple times and i have left mutiple messages and no one answered and no one has returned my call.
Consumer complaint received 2022-08-18
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. (TX)

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 accounts 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 are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX Balanced Owed : {$0.00} XXXX  / XXXX  XXXX Balanced Owed : {$0.00} XXXX  XXXX  XXXX Balanced Owed : {$0.00} XXXX XXXX Balanced Owed : {$0.00} XXXX  XXXX Balanced Owed : {$260.00} XXXX XXXX XXXX Balanced Owed : {$7400.00} XXXX XXXX  XXXX Balanced Owed : {$49.00} XXXX  XXXX Balanced Owed : {$870.00} XXXX  XXXX Balanced Owed : {$2600.00} 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/26 I disputed A inaccuracy on my credit report which is a bankruptcy. Transunion and XXXX  said that the bankruptcy came back verified.They could not verify the bankruptcies with this creditor because the creditor in this case is a Bankruptcy Court who informed me over the phone they do not verify bankruptcies with anyone. It is a violation of my rights. The letter I got from both XXXX  and Transunion allegedly said they verified this was my account with XXXX XXXX which is a third party vendor and against the FCRA. XXXX  wasnt able to verify that the bankruptcy was mine and have deleted the bankruptcy from my report.
Consumer complaint received 2019-10-08
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. (MO)

The following accounts are not mines and belongs to another inwhom made me a victim of identity theft/ fraud. I'm demanding either I be provided with physical documentation such as my signature, id, etc as it relates to these accounts, or please remove and block these fraudulent accounts immediately. The accounts being disputed are. 

1, XXXX {$1300.00} 2. XXXX {$1900.00}
Consumer complaint received 2019-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

Hello and thank you for your assistance in advance with this sensitive request. 

I have been a victim of fraud and placed a fraud alert on my credit reports with all three bureaus on XX/XX/XXXX. The fraud began in XXXX apparently and I have since tried to take precautions on protecting my credit from being compromised from unauthorized accounts and inquiries. I have paid over {$420.00} to credit monitoring websites and to certifying and notarizing documents to send to each credit bureau and the creditors with no luck. 
On XX/XX/XXXX, I submitted to all three credit bureaus a signed and notarized document and certified it to Experian, XXXX  and XXXX XXXX. On XX/XX/XXXX, I received confirmation that all three credit bureaus, Experian, XXXX  and XXXX XXXX signed for my certified documents. In compliance with the Fair Credit Reporting Act of 15 U.S.C. 1681, Section 611, the credit bureaus have 30 days from receipt ( XX/XX/XXXX ) to investigate and/or remove and block the fraudulent accounts/inquiries. 

It is now XX/XX/XXXX and there has been no response or update on my credit report honoring my request to remove the unauthorized and fraudulent inquiries from my credit reports. This unresolved issue is hindering me from being able to apply for a new home loan and a new car so that I can be able to provide for my family. 

I am requesting the help of the Consumer Financial Protection Bureau to resolve this urgent matter and be done with this once and for all please.
Consumer complaint received 2022-08-18
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. (TX)

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 accounts 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 are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX Balanced Owed : {$0.00} XXXX  / XXXX  XXXX Balanced Owed : {$0.00} XXXX  XXXX  XXXX Balanced Owed : {$0.00} XXXX XXXX Balanced Owed : {$0.00} XXXX  XXXX Balanced Owed : {$260.00} XXXX XXXX XXXX Balanced Owed : {$7400.00} XXXX  XXXX  XXXX Balanced Owed : {$49.00} XXXX  XXXX Balanced Owed : {$870.00} XXXX  XXXX Balanced Owed : {$2600.00} 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-02-07
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC. (TN)

In 2015 I went to purchase a vehicle at XXXX. At the time I was XXXX and didn't qualify for any leasing companies except one. Exeter finance financed me at XXXX dollars a month as a XXXX XXXX XXXX with a minimum wage job. Although I am grateful that they allowed me to obtain a vehicle, 5 years later I am still paying XXXX a month and have nearly payed 4 times for what the vehicle is worth because my APR is 18.75 % +. the state max is 16! Of course i didn't know that this was Usery at the time. This has put me in financial danger ever since. I have XXXX children and the fact that a company can make a lease on a vehicle 4 times what the vehicle is worth is beside me. This company preys off of those who don't have the credit to purchase a vehicle them self so they step in jack up the price and and throw in a extreme APR. Im assuming nothing will get done about this so therefore I would at least pass on this information. Exeter finance has been caught price gauging and has already paid out XXXX XXXX for the same reason! 
STATE LAW OF TN Legal Maximum Rate of Interest 10 % ( XXXX ) Penalty for Usury ( Unlawful Interest Rate ) Contract unenforceable ; if found unconscionable, lender must refund charges, fees, and commission fees and successful plaintiff may recover reasonable attorneys fees ( XXXX ) ; willful collection is a Class A misdemeanor ( XXXX ) Interest Rates on Judgments 10 % or at contract rate ( XXXX )
Consumer complaint received 2022-08-18
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. (TX)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX RESIDENT VERIFY XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/RESIDENT DATA XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX