davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
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. (IN)

This is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal 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 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 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 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 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 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 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Name : XXXX XXXX XXXX of XXXX Social security number : XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX I am exercising my right under the Fair Credit Reporting Act, 607 15 U.S.C. 1681e ( b ), Compliance Procedures As per Section 607, Accuracy of Report, A consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum accuracy of the information about whom the report relates, backed by 15 USC 1681 section 602 a states " 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. As proof of my identity, I have included copies of my Social Security card, These are my information, please remove any other names, non-mailable addresses, and phone numbers from my credit report. 

per the FCRA as a federally protected consumer I ( XXXX XXXX ), am now opting out of any & all authorization I the consumer may have given written, unwritten, verbal & nonverbal per 15 USC 6802 Obligations with respect to disclosures of personal information, 313.7 Form of opt-out notice to consumers ; opt out methods.

a " Charge-Off '' considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting of this account inaccurate! None of the companies that i have credit cards with has provided copies of the IRS forms such as 1099c,1099a and 1099OID filed with the U.S. Treasury and it does not appear that they are filing the proper taxes with IRS.companies must provide consumer with a copy of appropriate 1099c for accurate IRS reporting for any debt over {$600.00} U.S. Department The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education. FERPA gives parents certain rights with respect to their children 's education records. 
My credit report shows this is my account number XXXX XXXX XXXX / XXXX XXXX, however, on the XXXX website, it shows my account number is XXXX. This is INACCURATE information, inaccurate information must be removed immediately. 



Below Ive attached all charge-offs on all three of my credit reports. Please remove all charge-offs and inquiries and student debt from all 3 credit reports.

Please remove All inquiries on my credit report under 15 USC 1681 for permissible purposes.

Please remove all other names, addresses, phone numbers, and email addresses other than the ones that I have provided here
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDEN 1 CREDIT UNION, THE (CA)

Golden 1 Credit union performed an unauthorized Hard inquiry on my credit report on XX/XX/2019. I did not approve this inquiry, as such I would like it to be removed from all credit reporting bureaus.
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (LA)

TOYOTA MOTOR CREDIT XX/XX/2020 {$1200.00} I sent so many letters to the creditor starting before they send the account to credit. requesting information that my Gap insurance was cancel before my car was stolen, the creditor never sent it. 
i also request the credit bureau to verify that the gap was canceled also because Toyota didn't want to pay it. at this point, I see my right was violated by the creditor and the credit bureau.
Consumer complaint received 2019-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ID Analytics, Inc. (NY)

XX/XX/2018, I applied for a credit card with XXXX XXXX XXXX and was denied because of the following Credit Reporting Agency : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX formerly known IDA Inc? 

I received a letter from XXXX XXXX XXXX XXXX XXXX Fl XXXX denying me credit because of XXXX XXXX. 

I contacted XXXX XXXX and was connected to a automated line. I don't understand how the Federal Government can allow any company claiming to be a reporting agency access to our personal information? Is there any accountability for Reporting Agencies? This is very unfair and critical. Where is our protection? 

They must answer or be stopped from reporting " defamatory '' reports. 
I have excellent credit and want answers, not an automated line.
Consumer complaint received 2019-01-07
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: Experian Information Solutions Inc. (IL)

After sending information to verify myself with my disputes ( XX/XX/2018 ), XXXX, Experian, & XXXX have not investigated or responded to disputes of my credit report.
Consumer complaint received 2019-01-07
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: U.S. BANCORP (OH)

I have called three times nothing been done but let it sit on my credit its only hard inquiry and soft that I didnt authorize. XXXX XXXX XXXX XX/XX/XXXX USBank XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXXXX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017
Consumer complaint received 2019-03-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TD BANK US HOLDING COMPANY (TX)

XX/XX/2019 I was financed for a XXXX @ XXXX by XXXX XXXX XXXX. I drove the vehicle and had issues with it and called and asked if I could trade it for another vehicle, possibly a truck. The salesperson ( XXXX ) said that it would not be a problem " we can do a trade if that is what you want. '' I called on the next day and XXXX answered saying that XXXX was not there. I stated I was supposed to do the trade today for another vehicle. He responded that XXXX will be in tomorrow. I never received a call to confirm from anyone, so I went in to the office the next day and XXXX asked me to wait so that I can sign the paperwork. I received the keys to the truck and drove it for 1 week. A mechanic said that the 4WD is not good on this vehicle. I returned the truck on XX/XX/XXXX and called prior to get all documents needed to rid myself of this business. I signed 1 document ( indemnification document ) and received words from XXXX XXXX ( store manager ) that he would send an email the following Monday to end the deal. I have yet to hear from anyone at the location after making several attemps to call and visit since XX/XX/XXXX. I have contacted TDA finance and they have both vehicles still under my credit and 1 account shows late. The agent stated that I will be receiving calls soon from the collections department if there is not a payment made. I called XXXX sales and still no answer, call or contact. The store manager is never in the office and none of the other staff have a clue on what should be done. I have contacted the Corporate office to only get the same treatment. This has affected my credit and is also absorbing large amounts of time.
Consumer complaint received 2019-01-07
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. (NC)

This complaint is being made because despite a properly submitted dispute in regards to me being a victim of identity theft and having fraudulent accounts. The major credit reporting agencies are not given me the relief that the law requires in blocking/deleting these fraudulent accounts.
Consumer complaint received 2022-08-27
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: SYNCHRONY FINANCIAL (FL)

SYNCB/LOWES, Account number XXXX, Charge Card, Closed & charged off. {$5.00}, XXXX written off, ( XXXX ) XXXX, XXXX XXXX XXXX XXXX, FL XXXX SYNCB/PPC ( paypal ), Account number XXXX, Credit card, Closed & charged off, {$3700.00}, ( XXXX ) XXXX, XXXX XXXX XXXX XXXX, FL XXXX Both charges from Synchrony on my credit report are not mine : Called Synchrony and the agent sees BOTH accounts and directs me back to Paypal and Lowes credit XXXX 

2 letters to address asking for verification of statement this year gone out. No Reply SYNCB/PPC, called fraud, and they direct me back to Synchrony Bank . Synchrony Bank says, no work with PayPal. 
SYNCB/LOWES, the supervisor took documents of my address and promised to remove send forth letters out to credit agencies and myself. That was 8 weeks ago. Called yesterday, no record of this.
Consumer complaint received 2018-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

Around XX/XX/2017 I started receiving calls from a third party company about loan forgiveness and loan consolidation. At the time I was not informed they were a third party company that works with XXXX   XXXX XXXX. After many calls from them ( to this day I do not know the companies name because they said they were The Department of Education ) I decided to complete an application to find out if I could get loan forgiveness. I was under the impression that I would only be paying the company IF they were able to help me. They billed my credit card and I never heard from them again. So I stopped payment on my credit card and assumed all would go away. I was wrong! In XX/XX/2017 I started receiving my new bills from XXXX XXXX XXXX which prior I never even had heard of this company. So I start trying to get ahold of them. Every time I called them I was transferred to the military line and I have made multiple complaints about that. So they would have me retry the call. Working an XXXX to XXXX Monday - Friday job and them not being open after hours. I would have to call back again and again. Finally after a few months of getting a hold of them I realized they had made bad remarks on my credit report. Which prior to them having my loan I was on a Forbearance so that was another huge shocker. So I called again and again until I could get ahold of someone. Finally a lady heard me out and said I needed to write a letter to their credit department. So I did and I was denied and never called as I asked for. So I called again and was told, too bad for them sending me to the Credit Breuer. So I asked who the third party company was working with them and they denied me the information. In the last 6 years of me being with XXXX I have never had even one bad experience. So I called them for advice XX/XX/17. The lady explained my consolidation was already finalized and they couldn't help. So she gave me this information so I could possibly get help from the real Department of Education and Consumers Affairs would know how Federal Loan Forgiveness is being handled through these third party companies. Its already horrible enough to have debt over your head but to be pushed into bad credit because its handled incorrectly is unfair and un-American.
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Dear Sir/Madam, I am writing to file a formal complaint against XXXX ( XXXX XXXX XXXX XXXX in relation to a debt in the amount of {$810.00} that was charged off in XXXX but continues to be reported on my credit report as charged off. This ongoing incorrect reporting is a clear violation of the Fair Credit Reporting Act ( FCRA ) and is negatively impacting my financial situation. 

Despite the debt being charged off by XXXX in XXXX, they continue to report it on a monthly basis as charged off. This continuous reporting not only misrepresents the current status of the debt but also violates the FRCA rules regarding accurate reporting of credit information. The incorrect reporting of this charged-off debt has had a detrimental effect on my financial well-being, making it difficult for me to obtain credit and negatively impacting my credit score. 

Additionally, I want to bring to your attention that I have not received a Form 1099 for this charged-off debt as required by the Internal Revenue Service ( IRS ) regulations. XXXX 's failure to provide this necessary documentation further adds to their noncompliance with relevant laws and regulations. 

In light of these violations, I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against XXXX. Specifically, I seek the following remedies : 1. Immediate removal of the charged-off debt from my credit report, as it is inaccurately and unfairly reported. 
2. Correction of any negative impact caused by the ongoing incorrect reporting, including the adjustment of interest rates and credit scores.

3. Compensation for any financial losses or damages I have incurred as a result of this inaccurate reporting. 
4. Enforcement of penalties on XXXX for their violation of the FCRA rules and failure to provide a Form 1099 for the charged-off debt. 

I trust that the Consumer Financial Protection Bureau will handle this complaint promptly and ensure that justice is served. Attached to this letter are supporting documents, including copies of my credit report showing the ongoing incorrect reporting of the charged-off debt, as well as any relevant correspondence with XXXX. 

Should you require any further information or clarification, please do not hesitate to contact me. Thank you for your attention to this matter, and I look forward to a swift resolution. 

Sincerely,
Consumer complaint received 2022-04-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC. (IL)

I worked with a couple of loan officers at Guaranteed Rate in late XX/XX/XXXX/early XXXX, to secure a mortgage on a single family home that also allocated funds for its renovation. I closed on XX/XX/XXXX. The purchase price of the home was {$410000.00}, but the mortgage was valued at {$500000.00}, based on the estimated appraised property value once the work was to be completed. The General Contractor I chose for this project, was solely based on a referral from the loan officers because they said he was familiar with the process, so I felt using him would minimize my risk and keep me from sharing an all-too-common homeowner experience of working with a bad contractor and losing money. I was told by the GC the process would take about 4 months to complete - so Early Summer XXXX. 

This GC took advantage of the process and myself, but the biggest issue is that he was not made by XXXX to submit architectural drawings for the underwriting process. What I have learned since XXXX ( from individuals both inside and outside of the company ) is that those drawings were supposed to have been submitted as due diligence in the process. 

Because these drawings were not done, the GC wasnt ready or able to complete my project. After over a year of inaction and an attempt to extort me for money that wasnt due, I eventually fired him in XX/XX/XXXX. I have placed countless calls to my loan officers, Guaranteed Rate customer service specialists, the originator of the bank, and have gotten nowhere. After keeping me stagnant, requesting that I negotiate with the contractor who was obviously giving false invoices, and not trying to negotiate, Guaranteed Rate has finally given approval for me to replace him. However, this is after I have now been paying over 2 years of PMI fees ( because this was supposed to have been refinanced shortly after the work was completed in Summer XXXX ) and also have missed out on being able to do so but now I have an even bigger issue. 

I have recently been interviewing architects, many of which expressed the lack of convention of the project and how there could be zoning issue that impacts the feasibility of the project. The projected estimate for the project is much higher than what I have remaining in my loan, and I dont know if Ill be able to finish. I dont believe its my responsibility to carry the burden of getting an additional loan to finish it, after already experiencing significant financial loss due to Guaranteed Rates improper management. 

Had Guaranteed Rate demanded drawings from my GC before approving the loan, this project either would have potentially been 1 ) rejected from the outset due to lack of feasibility 2 ) accurately funded based on what was actually required to complete it or 3 ) would have been completed by now and would be a non-issue. 

The lack of support Ive received over the past 2 years when they have acknowledged wrongdoing along the way has led me to file this claim.
Consumer complaint received 2022-08-27
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. (FL)

XXXX XXXX XXXX XXXX XXXXe {$2000.00} XXXX XXXX XXXX XXXX XXXX$94.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX is on there also and its alot of inquire on my credit report that are unauthorized by me i have no knowledge
Consumer complaint received 2022-08-27
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-08-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-08-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 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 XXXXXX/XX/XXXX