davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-30
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. (KS)

In letter dated XX/XX/2022 we were notified by the US department of education federal XXXX aid that our direct plus loan was not approved due to a charge off on the credit report from Equifax. After filing a dispute and credit appeal, Equifax sent notification XXXX XXXX that they have confirmation the charge off account belongs to me. We have inquired about this account and only know it was opened XXXX XXXX with past due {$2200.00} but can not verify any additional information such as the name on the account, what was purchased or where or how the account was opened. The company in question is XXXX. I have called on XX/XX/XXXX and XX/XX/XXXX. The phone number I used was XXXX XXXX XXXX. The XXXX XXXX XXXX went to a XXXX XXXX with no voicemail. XXXX referred me to email them at XXXX. I have emailed them requesting information and to explain there has been an error as this account has been falsified in association with me. 
I also called Equifax XX/XX/XXXX to try to gain information about their verification process. Their system is down and I was asked to call back.
Consumer complaint received 2022-08-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My XXXX attorney saw pictures of the destruction and told me to file an insurance claim. 
I filed the claim in XX/XX/2021 and received an insurance check the first week in XX/XX/2021. The was in the amount of XXXX the check was signed and mailed to Carrington Mortgage Loss mit department. I called loss mit in XX/XX/2021 and asked when I would be receiving the check explaining that I need to repair the apartments so I could make the mortgage payments. I was told by loss mit I would have to have a General contractor before funds could be disbursed, I could not get a general contract to even consider working witn me for XXXX. I called loss mit every month in May when I called I wastold my check was sitting in the qeue ready to go out and that there was a XXXX threshold and the check should have been mailed, the customer service rep would have a supervisor call me, When the supervisor called. I was told I no longer needed a general contractor find license people for the job and get a w9 and send it in, By this time we're in XXXX I'm to payments behind and XXXX XXXX and no check. and going into foreclosure, now its the end of XXXX I still do not have the check or XXXX now I can not have the check until I have an inspector come out I told the loss mit person the inspector is suppose to come out when the work is almost completed. She told me she would put a note in the file and have someone get back to me. its 4 months from being a whole year I'm still trying to make motgage npayments with XXXX XXXX XXXX  and my check sitting in a queue at carrington mortgage loss mit..
Consumer complaint received 2022-02-24
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (NJ)

The lease to my XXXX XXXX was up XX/XX/XXXX. I decided to keep the car so I financed it with XXXX XXXX and the contract was signed XX/XX/XXXX and gave a {$2000.00} down payment. The check was cashed on XX/XX/XXXX. XXXX is now aggressively contacting me stating that I failed to return the car and owe them over {$2200.00} due to not returning the car. The worst part about everything is that my credit score dropped over XXXX points. As per XXXX XXXX I was to send a letter to XXXX stating that it wasn't my fault and that it was miscommunication between XXXX XXXX and XXXX headquarters, basically I had to fix my own problem. XXXX XXXX also stated that they were going to cover all fees being charged. I spoke to XXXX today from American Honda and she stated that no one from XXXX XXXX has contacted them. This situation is causing a lot of stress and anxiety. Going from a lease to finance should be a smooth transition instead it is causing me a lot of problems that affect future purchases due XXXX quickly taking action on my credit score which can take years to build but they were quick to drop. Attached you will a copy of the cashed check and the letter XXXX XXXX asked me to send. The letter was sent out last Friday XX/XX/XXXX.
Consumer complaint received 2018-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (IN)

On or about XX/XX/2013, we contacted our then current cellular provider ( XXXX ) to advise them of our desire to change carriers and confirm that our account status was paid and up to date. We were advised that in order to change carriers, we had to have a {$0.00} balance with our old carrier prior to changing to a new one ( XXXX ). We spoke to a XXXX representative at the store literally 100 ' down the mall from the XXXX store who informed us that our account balance was {$0.00} and we were free to change carriers. We also confirmed this with XXXX, who had to do a check on our account in order to import our current cellular numbers over to XXXX. We were informed that this could be done and we could initiate a new account at XXXX and did so. We received several invoices from XXXX many months after terminating our account with them and disputed the amount over the phone with customer service reps. Years later, we received notice that the debt had been transferred to XXXX XXXX, who was listed as the new creditor. When we inquired with Convergent, we were never sent any supporting documentation of the actual amount or how that amount was reached, only that they said we had a balance of approximately {$1200.00} that was from our termination of our account. We have disputed the matter using XXXX XXXX and Convergent still lists the account as valid. We would like to have the matter removed from our credit report, as we do not believe the debt to be valid.
Consumer complaint received 2017-09-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am filling this complaint because Transunion has ignored my request to provide me with the documents that their company has on file the was used to verify the BK I disputed and 3 other accounts, being that they have now gone past the 30 days and can not verify this information on my credit report, I understand under Section 611 ( 5 ) ( A ) of the FCRA, they are required by law to provide me with documentation of this information or they must delete all information promptly. They have not sent me proof of how this BK, XXXX/XXXX, XXXX and XXXX XXXX XXXX XXXX was verified that I have disputed many times. I contacted the court to get the information they said they have and could not be obtained. Please help me resolve this matter as soon as possible. As you can see on my current credit report, there is no such date. The information is false and must be removed. 

Transunion 1. Bankrutcy Case Number XXXX 2. XXXX Account Number XXXX 3.  XXXX Account Number XXXX 4. XXXX XXXX XXXX Account Number XXXX
Consumer complaint received 2022-08-31
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)

All my life I have maintain the morals of never borrowing money. I pay cash for everything I want or I will simply not buy it. when I decided to pull my credit report I instantly noticed a number off closed accounts that I did not recognize. these accounts on my credit report are fraud and were not created by me by any means. every account I stated is fraud. I did not authorize these accounts to be created and I demand they be removed immediately. I am willing to move forward with any legal actions need be to clear these fraudulent accounts off of my credit report. I also noticed that on each credit report my name did not include the XXXX. these fraudulent accounts have been negatively impacting my credit score with put my knowledge for years now and the have to be removed now. I reached to the companies and they never helped resolve these accounts. this is over {$4000.00} in debt that i didn't create and its is unfair that this is reflected on my credit report that I've worked so hard to keep clean.
Consumer complaint received 2022-08-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXX, 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 2022-08-31
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)

All my life I have maintain the morals of never borrowing money. I pay cash for everything I want or I will simply not buy it. when I decided to pull my credit report I instantly noticed a number off closed accounts that I did not recognize. these accounts on my credit report are fraud and were not created by me by any means. every account I stated is fraud. I did not authorize these accounts to be created and I demand they be removed immediately. I am willing to move forward with any legal actions need be to clear these fraudulent accounts off of my credit report. I also noticed that on each credit report my name did not include the XXXX. these fraudulent accounts have been negatively impacting my credit score with put my knowledge for years now and the have to be removed now. I reached to the companies and they never helped resolve these accounts. this is over {$4000.00} in debt that i didn't create and its is unfair that this is reflected on my credit report that I've worked so hard to keep clean.
Consumer complaint received 2017-09-01
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (FL)

I purchased a car for about {$14000.00} almost 4 years ago.I gave XXXX down payment and I 've made my payments of {$380.00} each month, sometimes more and three years later my balance is still {$14000.00}. When I try to ask questions I can barely understand them and they said it is because I made a few late payments. I need file a suit against them. Does anyone know what steps I can take against them. Is what they are doing legal?
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

After reviewing my credit report, I have a few hard inquiries on my credit report that I didnt authorize and also didnt give permission for anyone to run my credit report so I would like to have them removed off my credit report please I also filed a report with FTC and would like to Have those inquiries deleted off my credit report please I would like those for inquiry to reflect on my credit report as deleted and removed please The hard inquiries are XXXX XXXX service date XX/XX/XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX. Also XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX thank you.
Consumer complaint received 2022-02-24
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. (CA)

XX/XX/2022 at XXXX I called EXPERIAN in hopes of resolving the inaccuracies on my credit report. When finally being transferred to the fraud department, I was connected with XXXX. he told me that the inaccuracies on my credit file were never investigated. That they did not and will not investigate them because the creditor verified the information. After I explained multiple times that the social security numbers listed on my credit report are not mine and I am requesting the verification methods used to ensure the accounts belong to me, he said that no they are not verifying the information and it will remain on my report unless other information comes to light then they will continue to leave the inaccuracies. I asked him if as a credit furnisher isnt EXPERIAN required to investigate the report of inaccurate information as a direct result of fraud. I mentioned how the social security numbers on my file did not belong to me so I am 100 % sure that the account is not mine because none of the requirements under the FCRA would require the terms, opening date and balance to be accurate and he said no they do not. After multiple attempts I gave up and just let him end the call.
Consumer complaint received 2022-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

XX/XX/XXXX I discovered that my credit card company had been adding {$200.00} to my statement, above what I had charged or any fees. It went back as far as I could check, XX/XX/XXXX. I called and spoke with USAA customer service and they did an audit while I was on the phone. They told me they found that in XX/XX/XXXX I had received a {$200.00} credit on a purchase. The credit was made but then they continued to add the {$200.00} to each statement thereafter. I thought they were going to correct the problem once they found it but they didn't. They are still adding {$200.00} but it doesn't appear to be cumulative. However, they started charging interest when I subtracted {$200.00} from the last bill. I quit charging on this credit card and have established a new credit account with my local bank. I called to tell USAA credit card department I wanted to close my account with them. They then played a recording to me that 'if I close my account it will damage my credit score and I risk losing the money in the " Subscriber 's Savings Account '' which amounts to about {$4000.00}. I also have auto and renters insurance with USAA and plan to let them go ( not renew ) when they expire. They warned me about doing that also.
Consumer complaint received 2022-08-30
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-30
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. (AZ)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX XXXX. Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX XXXX  Account # 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 2022-08-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (WA)

Currently in a process of a getting a new construction townhouse being built. The builder has a rule of being pre-approved with their preferred lender which we did. The townhouse we are buying will not be 100 % built until XX/XX/2023 ( estimate ). There are some rules on having a mortgage application within 21 days of the purchase agreement, but we have already been pre-approved with the lender, credit has also been pulled. There has been no communication in regards to this matter. 
When I mentioned to the mortgage loan officer about the timeline of the loan is so far out, and why is he pressuring us on submitting the mortgage application along with locking down interest rates ; loan officer did not attempt on answering the questions.. 
While I was asking about what to expect if prior to closing the mortgage, we decided to switch to another lender due to more competitive rates. The loan officer said, " if you will be switching a lender, then I am not going to waste energy and labor on this loan ''. 
The conversation and communications we had with this loan officer is very unprofessional, and he may have sent us someone else 's loan estimates. 
I have reached out to my agent, and have her see if there's a way the builder can assign us a new mortgage loan officer.
Consumer complaint received 2016-01-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One provided me mortgage disclosures at application, which they required me to accept before proceeding, and which I accepted, and provided an updated disclosure two weeks later that did not indicate the required XXXX insurance would be escrowed while taxes would be escrowed. That was acceptable to me. However, now that Capital One has processed my application, they are demanding that the insurance is escrowed. I object to that change ( not to maintaining the XXXX policy ) and have been told they can not " separate '' the insurance from the taxes in escrow.
Consumer complaint received 2022-08-30
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-30
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. (AZ)

There are currently 6 hard inquiries on my account from XX/XX/22, and only one of these was explicitly authorized. I am requesting that the following inquiries are disputed ad removed from my report. Details for these inquiries are : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-30
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. (TX)

The FCRA requires you to verify the validity of the item within 30 days. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I am NOT requesting the itemized bill, I am requesting an instrument bearing my signature. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. By law, if you have charged off a debt, the consumer no longer owe it. You have accused me of owing this debt yet you have had personal gain by writing it off. You continue to report a balance to the bureaus which is inaccurate. In fact, I have no personal gain from this alleged account since it is reporting as closed. You have no right to continue to damage my credit over an alleged debt that you have received gain from the government. 

By the provisions of the Fair Credit Reporting Act. I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove and information that the creditor can not verify. I understand 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter