davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-25
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)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report # XXXX. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the lawThis is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX  XXXX, CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Consumer complaint received 2022-07-25
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)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency 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, Equifax 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 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 2019-03-29
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: Eagle Accounts Group, Inc. (NY)

There are some unauthorized accounts and inquiries on my credit profile that I NEED assistance in removing. Below are the list of accounts and inquiries, dates and times.

ACCOUNTS : 1 ) XXXX XXXX XXXX -AMOUNT {$15000.00} -DATE OPENED XX/XX/XXXX -ACCOUNT # XXXX  2 ) XXXX XXXX XXXX -AMOUNT {$1800.00} -DATE OPENEDXX/XX/XXXX -ACCOUNT # XXXX  END OF ACCOUNTS : INQUIRIES : 1 ) XXXX XXXX- DATE OPENED XX/XX/XXXX 2 ) XXXX XXXX XXXX  -DATE OPENED XXXX 3 ) XXXX XXXX XXXX -DATE OPENED XXXX 4 ) XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX 5 ) XX/XX/XXXX XX/XX/XXXX - DATE OPENEDXX/XX/XXXX 6 ) XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX 7 ) XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX 8 ) XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX 9 ) XXXX XXXX XXXX - DATE OPENEDXX/XX/XXXX 10 ) XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX 11 ) XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX12 ) XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX 13 ) XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX 14 ) XXXX - DATE OPENED XX/XX/XXXX 15 ) XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX 16 ) XXXX XXXX XXXX XXXX - DATE OPNED XX/XX/XXXX 17 ) XXXX XXXX   XX/XX/XXXX 18 ) XXXX - DATE OPENED XX/XX/XXXX 19 ) XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX 20 ) XXXX   XXXX - DATE OPED XX/XX/XXXX
Consumer complaint received 2018-09-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

To Whom It May Concern, On XX/XX/XXXX, we received a letter from Specialized Loan Servicing, hereinafter referred to as SLS, that they were taking over the mortgage servicing of our consumer credit transaction. At the time we received that letter, our consumer credit transaction ( debt obligation ) was in default and contractually due for the XX/XX/XXXX payment. At that time, SLS did not have a legal and valid assignment to it prior to attempting to collect on our debt obligation in violation of California Fair Debt Collection Practices Act, hereinafter referred to as the Rosenthal Act, California Code of Civil Procedure, section 1788.13 ( l ). The chain of title leading up to who SLS says is the beneficiary of our debt obligation is flawed and void. We adamantly dispute the assignments that have been recorded in the county recorder 's office. Unaware of SLS violations under the Rosenthal Act at that time, we made attempts to secure a suitable loan modification agreement and we resumed making payments. After years of trying to secure a suitable permanent loan modification agreement, SLS denied us and we once again stopped making payments in XX/XX/XXXX. We have been recently made aware that SLS is not our creditor nor are they representing an entity that is our creditor. SLS is attempting to collect on a debt without the legal right or ability to do so in violation of the Rosenthal Act, California Civil Code section 1788.17. In their illegal collection attempts, SLS has filed a Notice of Default and a Notice of Trustee 's Sale due to non-payment on the debt obligation. The filing of these foreclosure documents are in itself a violation of the Rosenthal Act, California Civil Code section 1788.13 ( j ). SLS has misrepresented to us the status of the debt, the ownership of the debt, the amount of the debt, they are attempting to collect illegal fees and costs not authorized by the law or the contract, they have misrepresented amounts owed to the escrow account, they have assessed illegal foreclosure fees, and they have repeatedly threatened to foreclose on our property if payment is not made. Only creditors and/or their authorized agents may commence and complete a foreclosure in California. These are all violations under the Rosenthal Act, California Civil Code section 1788.13 and 1788.17. We have taken this matter up with the judicial system, however, Defendants are trying to disregard this matter judicially and so far they are getting away with it. We are filing this complaint in an effort to use all resources available to us as we continue the matter in the judicial system. SLS is blatantly disregarding federal and state laws and they should be held accountable for their actions. Their conduct is unlawful, unfair and deceptive.
Consumer complaint received 2019-01-08
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: SLM CORPORATION (KS)

I have a savings account with XXXX XXXX Bank aka " XXXX ''. Today when I tried to log on, I received a message that my account was locked and a phone number to call. Upon calling that number, I was transferred to a " specialist '' by the name of XXXX ( employee number XXXX ) who informed me that my account was closed because my automatic contributions were being rejected by my checking account and further that I would not be able to log on to retrieve my statements, account number, or withdraw my existing balance of {$150.00}. When I asked for her supervisor, she told me that one was not available and hung up on me.
Consumer complaint received 2018-09-13
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (NY)

I applied for the XXXX XXXX card. The promotion clearly states before applying for the card ( instant XXXX dollar gift card upon approval ). I only received a XXXX dollar gift card. XXXX is denying that XXXX dollars. I called XXXX XXXX the issuer of the card and they stated it indeed is a XXXX dollar gift card but XXXX has to issue it. Ive spent over 6 hours on the phone with out a resolution.
Consumer complaint received 2022-07-25
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. (NY)

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the account listed below. I believe it was reporting in error. 

XXXX XXXX XXXX Late Date XXXX
Consumer complaint received 2021-12-02
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. (AL)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2022-12-19
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. (MO)

XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX RE : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX To Whom It May Concern : The credit information currently on my credit report contains an entry showing a closed account XXXX XXXX XXXX XXXX XXXX XXXX acknowledge that I was unable to fulfill the terms of the account agreement by failing to properly adhere to the monthly payments. In late XX/XX/XXXX, I was involved in a serious financial hardship that resulted in reduction of work hours my inability to make payments for several months. 

During the period of my recovery, I struggled to maintain my financial obligations and had missed payments. I have since been carefully budgeting and satisfying all of my monetary responsibilities and payments to improve my credit score.

It would assist me tremendously if you could make a goodwill adjustment that delete these negative account entrys from my three credit bureau reports. This is a closed account that represents a past failure that I am hopeful will not continue to hinder my future. 

Thank you for your consideration. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-02-04
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Western-Shamrock Corporation (TX)

I keep getting harassing calls from the Western Shamrock trying to collect a debt in which I was listed as a reference ( I do not owe this debt ). The local branch manager sent me the Collection and Past due amounts for the person they are trying to collect from and asking that I get in touch with their client. I am only the reference and I do not owe the debt. They keep calling even after telling them to stop calling. I receive correspondence from them. The local branch manager and their employee are harassing and keep calling on a debt that I do not owe.
Consumer complaint received 2022-07-25
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: EQUIFAX, INC. (NY)

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the account listed below. I believe it was reporting in error. 

XXXX XXXX XXXX Late Date XXXX
Consumer complaint received 2018-12-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

I have my current loan for my1st house with XXXX XXXX XXXX ( Loancare ). I have been paying promptly my payments for the past 2 years. In order to get rid of my PMI, I have been following their instructions and as per they letter, it states : " If you would like to pursue a cancellation of PMI based on the current value of your property, an appraisal is required to determine if your LTV has reached 80 % or less ''. I have requested the appraisal, paid for it, and the LTV is now at 79 % for the past 4 months. Since I didn't have 2 full years of loan payment, they have asked me to contact back in XXXX ( never understood this, but anyway ). I have contacted them, and now they state over the phone : since you had an appraisal done, the LTV has to reach 75 %. On a new letter sent to me they are advising me I need an appraisal and LTV has to be 80 % or less. I have asked a few other brokers and accountant and they have never heard of the 75 % and have advised me to contact you. Also, this keeps dragging for over 4 months now and despite email communication, complaint about their services and phone calls I am still waiting for a proper answer. I really would like to understand my rights and since when once an appraisal is done I need 75 % of LTV, especially as this was never required in any of their letters. Thanks
Consumer complaint received 2018-12-19
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)

The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX
Consumer complaint received 2019-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Received a non solicited credit card issued by Capitol One Bank XXXX. via us mail. Card issued with complete account number, expiration date, Sec Code, RFID Chip, copy of my credit report, security agreement and other terms and conditions. Documents state that use of the card constitutes acceptance of security agreement and all terms and conditions. 

I did not solicit this bank for a credit card at any time. The card issuance practice placed me and my family at great risk of identity theft and credit fraud where in any person that obtained possession of the item in the mail could have activated this high limit ( {$10000.00} ) credit card.
Consumer complaint received 2019-03-27
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. (WA)

XXXX and Transunion are reporting incorrectly that I am 120 days past due on XXXX. ( Please see pages 6, 7 and 8 of the attached credit report. ) These accounts reflect a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. It is impossible to be late on accounts that have a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2018-09-13
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. (PA)

Went to my local XXXX office and filed paperwork to take payment out automatically, never did and in the meantime, made a payment on XX/XX/2018. Well I called because Im still being reported as delinquent? My credit score is down 59 points? I called my local branch plus the XXXX branch and got put on hold just to be disconnected? Help
Consumer complaint received 2018-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

Rushmore Loan Management Services refusal by Rushmore to appraise house for cancellation of PMI I have written 3 letters to Rushmore as per their instructions, requesting an appraisal of my home to cancel the PMI. Each time I send in the request, they arbitrarily deny it, stating my home value is not 20 % value to loan. They are refusing to appraise the house for its new value post improvements. Each month I continue to lose money because my loan " service '' refuses to provide service.
Consumer complaint received 2020-12-16
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

Dear Credit Bureau / XXXX XXXX XXXX XXXX Account # XXXX Im still shocked that you continue to report this above auto loan account into my credit, and you failed to truthfully verify & investigate this account thoroughly. I just include a screenshot below that shows several inconsistencies, misleading, incomplete information on it. Its my understanding that the consumer laws clearly state that information on individual credit reports needs to be reported 100 % accurate and it needs to be 100 % verifiable. As you can see the information below, its not 100 % of either and its reporting misleading and incomplete information. Therefore, its impossible that you verified. Actually, XXXX deleted it immediately from my credit because of these several violations that I pointed out below and I demand that you DELETE it from my credit as well. Its causing this account to illegally re-aged, which is a violation under the provisions of FCRA, and therefore, it can not be reported on my credit report. For example, The HIGH CREDIT BALANCE is different between the 2 credit reporting agencies ; one reports {$9300.00}, and the other {$4300.00}. Its my understanding that the HIGH BALANCE on the charge-off account needs to be higher than the actual balance but not in this case and it needs to be reported. Again, this account is in violation of my consumer rights and it needs to be removed from my credit report. It unverifiable and its reporting incorrect, inaccurate, misleading, and incomplete information. Its completely inconsistent!
Consumer complaint received 2018-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America refused to dispute a charge that I have a receipt for that shows I should have been charged in XXXX dollars and not U.S. Dollar. I have proof which they will not accept and they told me they can not do anything about it. I spoke with a claims representative and a supervisor and they both refused to make a claim to get the correct amount adjusted. They charged me a transaction fee but would not look at my receipt for the transaction exchange rate on that date. They told me its correct. But I told them it was not.
Consumer complaint received 2018-09-13
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: LEXISNEXIS (OH)

Report received from LexisNexis has information that belongs to XXXX XXXX. This information is on XXXX XXXX and XXXX XXXX reports from Lexis Nexis. 

XXXX XXXX neither one of us. This incorrect reporting has caused our insurance to excessively higher, quotes higher and denied insurance. Insurance agent called XX/XX/XXXX saying it Show XXXX and XXXX as the same person. I advised them to look at the birth dates, XXXX was XX/XX/XXXX and XXXX is XX/XX/XXXX. Only after that she recognized the birthdate wasn't XXXX XXXX. This has caused serious financial hardship. I will be speaking with an attorney for legal action to recover financially.
Consumer complaint received 2018-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RS Clark and Associates, Inc. (TX)

RS CLARK AND ASSOCIATES ARE RIDICULOUS! AND ARE REPORTING INACCURATE INFORMATION AND FRAUDULENT INFORMATION ON MY CREDIT REPORT. THEY ARE VIOLATING THE FAIR DEBT COLLECTIONS PRACTICES ACT AND THIS IS MY ONLY WARNING! I RECENTLY JUST CHECKED MY CREDIT FILE AND SAW A NUMBER OF FRAUDULENT ACCOUNTS THAT I HAVE NO KNOWLEDGE OF! FOR SOME REASON I CAN'T GET THEM ON THE PHONE TO SAVE MY LIFE! I ASK THAT THIS COMPANY CEASE AND DESIST ALL COLLECTION ATTEMPTS AT THIS TIME I AM GOING THROUGH A CRISIS BECAUSE MY INFORMATION HAS BEEN STOLEN AND THIS IS A FRAUDULENT ACCOUNT! I HAVE ALREADY NOTIFIED THE IRS, TEXAS ATTORNEY GENERAL, CONSUMER AFFAIRS, AND ALSO I AM NOTIFYING YOU AGAIN TO CEASE AND DESIST ALL COLLECTION EFFORTS!