davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-13
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. (PA)

This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. I am quite miffed that you have included the following information on my credit report. These inaccurate items are not only embarrassing, they are preventing me from obtaining the credit I deserve. As you and I are both aware, there are laws that ensure that credit bureaus report only accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditors part. It is with great concern that I insist you verify that this information is incorrect and delete it from my profile. Due to the damaging effects of such negative inaccurate information, I must insist that this is done swiftly. Be advised that I have an adult son with the same name. 

There should only be XXXX hard inquiries on all XXXX reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  should be the only address on my reports.
Consumer complaint received 2022-05-13
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: EQUIFAX, INC. (PA)

This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. I am quite miffed that you have included the following information on my credit report. These inaccurate items are not only embarrassing, they are preventing me from obtaining the credit I deserve. As you and I are both aware, there are laws that ensure that credit bureaus report only accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditors part. It is with great concern that I insist you verify that this information is incorrect and delete it from my profile. Due to the damaging effects of such negative inaccurate information, I must insist that this is done swiftly. Be advised that I have an adult son with the same name. 

There should only be XXXX hard inquiries on all XXXX reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX should be the only address on my reports.
Consumer complaint received 2020-12-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (FL)

Recently my credit report showed a collection account with Convergent Outsourcing, Inc that is severely affecting my credit. They say that the original creditor is XXXX. I switched from XXXX to XXXX over 6 years ago with an offer that XXXX  gave us to pay for the outstanding equipment balance to transfer our business to them. I filled out all paperwork required and they were supposed to pay it. After 6 years I get this collection account and contacted XXXX  my current provider and they contacted a XXXX representative with me on the phone to solve the problem. The XXXX customer service representative said this was too long ago and that there is nothing for me to do but pay them. I told them is not my fault they waited years to communicate with me about it and this was supposed to be solved years ago. My current XXXX customer service representative confirmed that this was an offer that I received and that it was supposed to be done as offered, but XXXX 's customer service representative said since it was so old he had no access to that offer any longer and I have to pay. I find that waiting for so long to tell me that I have an outstanding balance has been done with bad intentions. I trusted that this was paid and they waited many years to contact me and to make me liable and responsible. I disputed with the credit buro and they only added a remark that I dispute the information.
Consumer complaint received 2020-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I.c systems reported collection on my credit reports, on behalf of XXXX which I never had .. XX/XX/2019 Trying to collect {$440.00} Account is not mine I have disputed this collection with ic system over the phone and through the credit bureaus As a fraudulent account
Consumer complaint received 2020-12-18
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: WELLS FARGO & COMPANY (GA)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XX/XX/XXXX WELLS FARGO BANK NA add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

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.
Consumer complaint received 2018-02-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (FL)

I live in XXXX Florida which was impacted by hurricane Irma in XX/XX/. 
I heard from other people that since I was impacted by the hurricane I could skip my mortgage payments. I called my lender & was told that since did live in a federal disaster area I could defer my payments to the back of the loan. 
I chose to defer three payments, XXXX, XXXX & XXXX, I then resumed my payments in XXXX. 
In XXXX I received a letter stating I was three months behind on my payments, I called them & they said I did not qualify & had to get current ( pay the three months ), which is around {$8000.00}, that I do not have, complete a homeowners assistance program, short sale or get foreclosed. 
Since I intend to stay in my house, I completed the homeowners assistance paperwork, they then wanted a hardship letter, which I have not completed. 
I feel this is not fair to me since I have never been late on a payment, they told me I could defer my payments then tell me I am three months behind & are threatening to report me to the credit bureau..
Consumer complaint received 2022-05-13
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. (IL)

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 USC 1681. 

ACCOUNT NAME- XXXX XXXX XXXX ACCOUNT # - XXXX ACCOUNT NAME- XXXX XXXX XXXX  ACCOUNT # - XXXX ACCOUNT NAME- XXXXXXXX XXXX XXXX  ACCOUNT # XXXX ACCOUNT NAME-XXXX XXXX ACCOUNT NUMBER # XXXX My current address is XXXX XXXX XXXX XXXX IL XXXX all other addresses are incorrect and invalid as they are not accessible to me. All other addresses being reported is a violation of my federally protected consumer rights to privacy as well. 

VIOLATIONS 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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. 

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2020-12-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (PA)

I have disputed this account with Credit Collection Services multiple times, and I have still received nothing at all from them! Nothing at all! I thought I had the right to request information and dispute accounts on my credit! Isn't that what the FCRA says? Can you help me?
Consumer complaint received 2022-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Recovery Services, Inc. (TX)

Today I got an email from a company stating " Southwest Recovery Services is a debt collector. 
We are trying to collect a debt that you owe to XXXX XXXX XXXX  dba XXXX XXXX Texas We will use any information you give us to help collect the debt. '' I verified that the debt that was assigned was actually paid already. I contacted the collection agency to advise them of the dispute and was told " the debt will remain in collection until XXXX XXXX tells them otherwise. good luck to you. '' and then the agent termed the call. I called back and spoke with a manager and he said proof of burden was on me, that i need a letter from their client stating it was an error otherwise collections will continue. I asked if i could send proof it paid to dispute. He said no, that their client needs to contact them then hung up on me when I told him they needed to provide proof of the debt becuase i have proof its not valid.
Consumer complaint received 2020-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I recently applied for a Bank of America Secured Credit Card and was turned down. The website said this card was geared toward those with poor and fair credit, I applied for this card and was prepared to make the required deposit for this card 's security deposit, but was denied. When I called in reference to why I was denied for this secured card that I would have to pay money to them for, the representative that I spoke with was highly rude and told me that if I had paid my bills like regular people, I could have been approved. This person doesn't know my circumstances and had the audacity to say such things to me. When I requested to speak with a manager in regards to this matter, the call was disconnected.
Consumer complaint received 2020-12-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc. (NJ)

I have received notification from a company called Credit Management , LP seeking payment of {$260.00} for creditor XXXX XXXX. 

I wrote to Credit Management and asked them to verify this debt on XX/XX/20. 

I received communication back that they contacted their customer, XXXX, and XXXX said the bill is valid!! 
That is no way to verify a debt!!! There is no details about the age of the debt, no copy of a billing statement from the original creditor, the date that this debt became delinquent, etc. 
I have no idea what this is for. 

I wrote back to them again asking for verification in early XXXX, no work back.
Consumer complaint received 2022-05-13
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. (NJ)

I am writing to delete the following information in my file, the items i need deleted are listed in the report. I sam a victim of identity theft. I demand that all of the items listed be removed to correct my credit report. I also reported the theft of my identity to the federal trade commission & enclosed copies of the federal trade commissions identity theft affidavit. remove these items immediately
Consumer complaint received 2020-12-18
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: TRUIST FINANCIAL CORPORATION (NY)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX XXXX, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, SUNTRUST XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX  XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
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.
Consumer complaint received 2020-12-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TCF NATIONAL BANK (AZ)

I was a victim of identity theft in XXXX of XXXX. On XX/XX/XXXX a Checking Account was fraudulently opened in my name with TCF Bank and a deposit of {$750.00} was made. I had already set up XXXX at the time, so they notified me of the account being opened and we called TCF Bank together. We spoke with Customer Service and I requested they close this account as fraud. We were told that the account was marked as fraud and would be sent to their fraud department for follow up and there should be nothing else I need to do. I continued to receive mail from TCF Bank, so I called again ( not sure of exact date ) and was again told that they would close the account as fraud. In XXXX of XXXX I received a notice that my account was assessed a fee for being dormant and the account was now overdrawn by {$4.00}. I called Customer Service again and was told that they would close the account and waive the fee, however the representative was having trouble waiving the fee in the system, so he said he would call me back when the issue was resolved. I didn't hear anything for a week, so I called again on XX/XX/XXXX and was told that the only way they can close my account is for me to send a notarized letter to TCF Bank requesting for the account to be closed. The explanation for this was that their fraud department ( they call it something else, but I can't remember ) froze the account, but did not close it. The freeze prevents them from closing it in their system and, since there is no branch in my home state, the only recourse for account closure is the notarized letter.
Consumer complaint received 2022-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (CA)

In XXXX of XX/XX/XXXX, I cosigned on a car lease with my estranged husband, with him as primary and myself as secondary. Later the following year we filed for the divorce and he defaulted on the BMW lease. As a result, I was forced to temporally pick up the payments and the lease was in good standing until the courts were able to intervene and force my ex-husband to agree to surrender the car and take on FULL financial responsibility for the arrears, including the late payments. After the courts assigned responsibility of the lease/debt, including the late payments, to my ex-husband I had notified BMW Finance and provided them the information hey had requested. 

Despite this and being able to substantiate legal responsibility as assigned by the courts, BMW Finance failed to rectify the issue and continued to report on my credit report, including the late payments that were assigned to my ex-husband during the divorce proceedings. BMW Finance also listed my ex-husband on my new vehicle as an authorized person, despite him not being listed on the sales agreement or credit application. The was a blatant violation of my privacy. It also exposed me and compromised the restraining order that I had in place against my ex-husband at the time. Of course, BMWs negligence in doing this provided my ex-husband temporary access to my account until we were able to correct the issue. BMW not only continues to incorrectly report late payments ( that my ex-husband was legally responsible for ) to my credit report, but have also added my ex-husband 's current address ( where I have never stepped foot in, let alone lived in ) to my credit report as one my previous residences. I am asking that in light of the aforementioned, that both late payments and incorrect address be immediately removed from all 3 credit reporting agencies. I also recently paid off another lease that was in good standing through the duration of the loan. BMW failed to report that the financial obligation was met and in good standing to the 3 reporting agencies. 

Thank you.
Consumer complaint received 2020-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was a with BANK OF AMERICA customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XXXX, XXXX, XXXX, XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Consumer complaint received 2019-06-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (OH)

Southwest Credit System place this negative account medical account on my credit report as I was unware of the debt and could not Dispute the information as they sent mail to an address I did reside at ... 

After I seen the negative account my credit report. I sent them a request to remove the account ASAP. Southwest needs do the following : 1. Remove this account of my credit report ASAP as I was unaware of this debt. 
2. Show they have the right to collection in Ohio. 
3. Provide method of validation for this account as I recall owning money on a account of this nature.
Consumer complaint received 2022-10-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

I got sick with XXXX XXXX XXXX then I got worst when I got XXXX. After a long illness Ive recovered enough to start working again. My mortgage servicer stopped accepting payments and told me I have to bring everything current. I applied and was approved for the HAF program but my mortgage servicer is dragging there foot in an attempt to foreclose on my home. This is the second HAF attempt to work with Rushmore Loan Services to bring my mortgage current. Rushmore employed delay tactics the first HAF attempt until the 30 day HAF time limit expired. Were now in the second HAF attempt and Rushmore is employing the same tactics. My home is worth $ XXXX {$380000.00}. Rushmore and its investor XXXX stand to make more if they foreclose on my home than accept the HAF settlement which would bring my status current. Rushmore has locked me out of online access to my account since XX/XX/2022. I have no access to government programs because Rushmore has denied online applications. I filled for bankruptcy In XXXX of XXXX  to stop Rushmore from foreclosing on my home. I have made my last XXXX mortgage payments but my balance owed has gone up over {$9000.00} according to Rushmore. I need help to keep my home for me and my kids. Im a XXXX  with XXXX kids. The lying and obfuscation by Rushmore is depressing and very stressful. Im at my wicks end. Disturbing thoughts are coming into my mind more frequently. Please help me?
Consumer complaint received 2020-12-21
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. (NY)

There are several inquiries on my credit report generated by Experian. Particularly, there are eight inquiries on my report that I DO NOT recognize nor did I provide authority to be made ( See attached copy of credit report ). To be clear, the inquires are as follows : XXXX XXXX XXXX, inquiry made on XX/XX/XXXX ; XXXX XXXX inquiry made on XX/XX/XXXX ; XXXX XXXX, inquiry made on XX/XX/XXXX ; XXXX XXXX, inquiry made on XX/XX/XXXX ; XXXX XXXX XXXX, inquiry made on XX/XX/XXXX ; XXXX XXXX XXXX, inquiry made on XX/XX/XXXX ; XXXX, inquiry made on XX/XX/XXXX ; and, XXXX XXXX XXXX, inquiry made on XX/XX/XXXX I have no business or open accounts with XXXX, XXXX XXXX, XXXX XXXX, XXXX, or XXXX XXXX. I do however have a checking account with XXXX XXXX XXXX and an active credit card with XXXX XXXX. Nevertheless on those specified dates, I did not have any interaction with any of these companies. When I called XXXX, XXXX XXXX, XXXX XXXX, XXXX, or XXXX XXXX, they said because they do not have any accounts with me, they could not have possible issued any inquiries for me or on my behalf. When I contacted XXXX XXXX XXXX and XXXX XXXX, they said they do not have a record of making any inquiries. 

By way of certified mail, on XX/XX/XXXX, I wrote Experian and disputed the foregoing inquiries. ( See attached copy of dispute letter with proof of service ) Having NOT received any notice or response from them regarding the inquiries, on or about XX/XX/XXXX, I called to check the status of the inquiry and spoke to a representative who cursed at me, not before hanging up the call. I called back and lodged a complaint against that representative, and of course, didn't hear anything back from them. To date, I have yet to receive any written correspondence from them regarding these disputed inquiries.
Consumer complaint received 2020-12-18
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 (FL)

I had my account on auto-pay. The bank account associated was closed. Capital One Auto finance did not notify me that auto pay has been cancelled. After miscommunication, 30 day late payment appeared on XXXX, XXXX, XXXX. The account was immediately rectified and paid current. XXXX XXXX refused to remove late payment from credit report through goodwill that I was now current. The error was with autopay on their end. This late payment occurred XXXX of XXXX and the amount was {$170.00}.