davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-06
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: DISCOVER BANK (AR)

I got emails from these companies and noticed that my credit file was locked at the time of these inquires. I tried disputing this with both companies as well as the credit bureaus. They keep referring me back to each other. I havent had an inquiry on my account since XXXX
Consumer complaint received 2023-01-13
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-12-02
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: EQUIFAX, INC. (TX)

FCRA Violation : address and names not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA Violation : credit card not mine XXXX  XXXX FCRA Violation : hard enquiries not mine XXXX  XXXX XXXX XXXX XXXXXXXX FCRA Violation : other loan not mine XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2022-01-10
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: EQUIFAX, INC. (KY)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I'm so disappointed on how this came in form my credit report. I've never been late and I work myself day and night which is so unfair to me as you aer damaging my reputation as a consumer.
Consumer complaint received 2023-03-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Alorica Inc. (FL)

I originally took out a loan on XX/XX/XXXX through the company XXXX in the amount of XXXX XXXX This amount came to me as a borrow and save plan. They gave me a cash amount at the start of the loan in the amount of XXXX XXXX and the remaining balance would be placed into a savings account as I paid a biweekly payment of XXXX XXXX until the balance was reached and paid in full. On XX/XX/XXXX the account was transferred to a different company called SST, Or Systems and services technologies inc. at this time I was advised that no changes will be made to my original contract and that SST would be handling my account further. I was also advised that the savings account that was originally set up by XXXX XXXX XXXX in part with the XXXX account, would be safe and secure and released to me 14 days after the final pay off was made. On XX/XX/XXXX, I made the final payment of XXXX $ to SST. This left my savings account balance at XXXX $ that would be sent to my checking account 14 days after pay off was made. I was advised when calling to make that final payment that I would get the funds my XX/XX/XXXX. I called on XX/XX/XXXX to make sure that my account information was received correctly and I was advised that they had all of the correct information and that the funds would now be released on the XXXX day after final payment and the call center rep stated that I should receive the funds into my account by XX/XX/XXXX. 

I reached out to SST today XX/XX/XXXX at the number XXXX to inquire what the status was of my savings account balance being released to me. The agent stated that there was no time frame available to give me as to when I would get my money. She stated that cross river bank had the funds and were holding them and many accounts were not granted their savings returns. I asked what I needed to do to get this money that is owed to me per my original contract with XXXX and she stated that all she could say was to wait and see if they arrive. They have no information on where my money is, but they received my final payment. As per the contract I was supposed to have the funds sent to me within 14 days. At this time there is no movement being made by SST to pay me what I am owed per the contract I signed. At this time I have no clue if I will ever see these funds. I discovered through various reviews of other customers that this is an ongoing issue with this company and no one is getting their money from their borrow and grow accounts as originally planned. This is very frustrating and bad business. I simply want the money that I paid into this account that I am owed. At this point I have paid more than both the original cash amount given and interest have accrued and they have essentially stollen XXXX $ from me with what seems to be no intention of paying it back.
Consumer complaint received 2023-01-13
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXXXXXX 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 XX/XX/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 2019-09-29
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: HYUNDAI CAPITAL AMERICA (LA)

Asked for removal of unauthorized Hard Inquiries on my XXXX   file from : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX, LA XXXX Hyundai Motor Finance Corp, XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MD XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MD XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, LA XXXX I did not apply for credit with this automotive dealers for car credit and ask that they furnish written documentation of application for credit approval. I never visited these dealers. I am presently in Chapter XXXX and not allowed to apply for credit without consent of the courts.
Consumer complaint received 2018-06-26
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. (MS)

I have been sending disputes to Experian every 35-40 days since XX/XX/2017 and on multiple occasions the results where received after 30 days or not received at all. I even sent letters for verification of method used to investigate and haven't received any response either. This is have been ongoing for almost a year, if this doesn't get resolved so I will have no choice but to pursue legal action against them. I have submitted 2 claim already with the CFPB ( XXXX,XXXX, and this still hasn't been resolved. I specially asked to be provided a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. To this date no documentation has been provided.
Consumer complaint received 2017-07-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CA)

After reviewing my credit report I noticed a account I was unfamiliar with from a debt collector LVNV Funding LLC C/O Resurgent Capital for a total of {$900.00} I sent you a requests for Validation not a requests for verification or proof of my mailing address, on XXXX XXXX, 2017, XXXX XXXX, 2017 and finally on XX/XX/XXXX.All in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g , Section 809 ( b ). Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. In a good faith effort to resolve the matter amicably, I stated my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their ( LVNV Funding LLC ) authority in this matter. I advised absent such proof, you must terminate this collection action, and correct any erroneous reports of this debt as mine. LVNV Funding LLC sent to me a printout they had generated with sale ledger and of a copy of a bill statement from XXXX XXXX with my name on it. They have not provided any type of contract showing they have the authority to collect or official documentation showing they own the debt but continue to report negatively on my credit report despite 3 written requests for validation they ignored.
LVNV despite my valid request for validation have sent numerous letters stating they are reviewing the account but provide no results. They have even gone as far as to offer me a pay for delete offer through their sister company. They openly violate the FDCPA and refuse to validate any debt but stall and delay in order to undermine the law.
Consumer complaint received 2018-05-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MO)

I faxed documents to XXXX and am writing because my credit report is not accurate, I have attached my birth certificate, ssn, and a recent police report number from a incident in which I was almost killed, but thankfully Im still alive. Your records have revealed to companies Im deceased and this is untrue. 
Under Missouri state law I am also entitled to one free report a year if you are unemployed and plan to look for a job within 60 days, you are on welfare, or your report is inaccurate because of fraud. I have a right to bring civil action against anyone, including a consumer credit reporting agency, who improperly obtains access to a file, knowingly misuses file data, or fails to correct inaccurate file data. 
As you are aware I have made numerous attempts to get you to correct my credit report. Your records stating Im deceased has caused a delay in income tax services, among other things and has harmed me severely financially.
Consumer complaint received 2022-01-10
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. (OR)

I am a victim of ID theft that occurred in XXXX of 2021. I reported this issue to the 4 credit bureaus and 3 of the four have acted instantly on the issue, however one refuses to and even claims that I am lying about the issue. I have been in contact with them numerous times, twice over the phone for over 45min ea, with still no resolution. I have spent countless hours tracking down information to prove them wrong. I have even spent time and money mailing them paper copies of all information, but to no resolution. I have documented all contacts with them and can provide all necessary emails / paperwork I have. Equifax refuses to follow the FCRA, and places me at blame.
Consumer complaint received 2021-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (WI)

I received my annual escrow statement from Flagstar bank in the mail on XX/XX/XXXX. The date of my escrow analysis printed on the mailing was XX/XX/XXXX. This statement said they had found a shortage of escrow funds in the amount of {$500.00}. 

I found this shortage to be caused by Flagstar Bank making the required XXXX tax payment of {$1000.00} and the insurance payment of {$360.00}. The tax was previously paid in three installment payments due in XXXX, XXXX, and XXXX. This time, the tax was paid in full in XXXX. This tax payment and the insurance payment brought the account down from {$1000.00} to a negative balance of ( {$370.00} ). If the installment payment was made as in previous years, the account should have only been charged {$270.00} for taxes and {$360.00} for insurance both due XXXX of XXXX. This would have left the escrow account with a balance of {$440.00}. 

Upon calling Flagstar Bank customer support on XX/XX/XXXX, I spoke with three customer service representatives. One from Flagstar Bank 's tax department and two from Flagstar Bank 's escrow department. I relayed my above explanation to each representative. Each representative was confused by my explanation and I asked each to investigate the situation or send me to someone who might be able to help. During this call, I was told false information by the last two representatives. I was told that my previous loan servicer did not hold funds in the escrow account to cover the costs of insurance and taxes. This is untrue because if the tax payments were made by Flagstar in three installment payments required by the County, the account would not have gone below {$400.00} as stated above. I was also told that my taxes had increased and that was the reason for the shortage. This is untrue because the previous three years have had tax decreases for the property. I was told someone would call back once they had a chance to review the account. 

On XX/XX/XXXX, I received a mortgage statement from Flagstar by mail. This statement reflected the increase in escrow payment necessary to cover the supposed shortage for next months billing. As of one week later I still have not heard anything from Flagstar regarding this matter.

Due to these conversations, I believe Flagstar to be grossly negligent in their handling of escrow account funds. I believe that they, through the use of the aforementioned error, are attempting to increase funds available in escrow beyond the legally allowable amount. This may cause consumers undue financial hardship while dually benefiting Flagstar Bank.
Consumer complaint received 2016-07-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: The CMI Group, Inc. (IL)

ON XXXX/XXXX/XXXX I received a letter from the office of credit management, I which I called XXXX for my current account and I have a credit balance. XXXX could n't identify the account number that I provide on the letter. so I called the number on the letter and I provide her the information and I advised her that I have a active XXXX account and that I do n't owe {$160.00} she XXXX that the balance was from XXXX/XXXX/XXXX from the address of XXXX in XXXX ga, I advised her that I filed bankruptcy in XXXX and I provided her with attorney information and phone number. I advised her that I filled XXXX us bankruptcy court - XXXX case id # XXXX chapter XXXX discharged XXXX/XXXX/XXXX. by me being a victim of fraud I have credit monitoring service that alert me of changes and they put this on my credit report on XXXX/XXXX/XXXX and sent me a letter on XXXX/XXXX/XXXX per the fair credit reporting act they violated me, reporting inaccurate and unsubstained information to a credit reporting agency may constitute fraud under federal law Compliance with thus request is required
Consumer complaint received 2022-01-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC (NY)

A negative report was placed on my credit report which is absolutely incorrect information. 
On XX/XX/XXXX I moved from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 

XX/XX/XXXX I moved to XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. 

A copy of my new lease agreement was provided to the debt collector and the debt was removed. XX/XX/XXXX the debt returned back on my credit report This matter was re-addressed with NRA Group and this debt still reminds on my credit report. removed. 

Please see my attached lease.
Consumer complaint received 2022-10-05
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. (NV)

I was directed to the XXXX XXXX XXXX with XXXX Bank to finance my dental work totaling approximately {$7000.00}. The dentist directed me to the on-line prequalification site to see if I would be approved without going through the formal process. The prequalification denied my credit so I tried to add my mom to the prequalification site as a co-signer. That prequal was denied also. Based on the wording on the website there were just a few questions and the inquiry would not impact my credit score. Within days XXXX XXXX  sent the denied credit to the 3 credit agencies and my score dropped between 3-9 points. When I contacted XXXX XXXX they said nothing could be done. Their claim 'to get a decision in seconds with no impact to your bureau credit score ' was misleading. Neither me nor my mother accepted the offer, which according to the site may then impact the credit score.
Consumer complaint received 2022-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MN)

Back in XXXX & XXXX, we had applied for several loan modifications, and had been denied many times for different reasons. We fell behind on our mortgage, to no fault of our own ( have documentation of US Bank admitting fault ). As we waited for approximately XXXX year to resolve our or be accepted for modification, we kept in communication with US Bank and were told that we would be fine and they would not put us in foreclosure as long as we were complying with giving the information that they were asking for. 
On XX/XX/XXXX our home was put up for sale. We had continued to keep open communication with US Bank, only to find out they had put our home up for sale. 
At the time, we had XXXX of our XXXX children still living at home, and were scared of losing our home. 
We contacted the Minnesota Attorney General 's Office for help. We were given a mediator, XXXX XXXX XXXX XXXX. XXXX XXXX was able to communicate with US Bank on our behalf, and he stopped the sale of our home. 
In XXXX of XXXX, US Bank found us a modification. 
Our XXXX yr mortgage___ {$110000.00} New Principal______XXXX {$130000.00} New Money _________ {$12000.00} ( with no explanation or breakdown ) We were in duress .... scared of losing our home and having nowhere to go with our family... so we signed. We couldn't afford to pay the arears that were due, let alone, take this paperwork to an attorney to look it over, so we signed so we would have a home for our family.

Just recently, we had gone to refinance or sell our home, and discovered that not only did US Bank add 16 years onto our mortgag
e but also added a clause in the documentation, that we are unable to sell our home without US Bank 's prior written consent. 
I know that there are quite some years that have past, and we're sorry we didn't pay more attention to the new modification at the time, but as I said before... we had no home for our family if we didn't sign the paperwork. 
We also had no reason to look at it again because we have been able to keep up on our mortgage payments ... All of this was traumatic to us and our family and did not want to relive those years. 
We have reached out to Minnesota Attorney General 's Office again on XXXX XXXX, XXXX and was able to ask XXXX XXXX XXXX XXXX if there is anything we can do. 
We understand that time is not on our side... but we were pressured and under duress when we signed. 
Can you help us please? 
XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2023-01-13
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. (NV)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX