davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-17
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. (AZ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter to help establish a legal recourse. If you choose to not block the item 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 law ... Please remove/block the item this is a fraudulent & was opened without my consent or knowledge ... XXXX XXXX XXXX XXXX Date Opened : XX/XX/2012 Balance : {$0.00}
Consumer complaint received 2019-06-16
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. (MI)

XXXX XXXX  XXXX. has reported to the 3 credit bureaus -experian , XXXX and XXXX that i  owe a balance of {$1900.00} for a auto loan. This auto loan was paid in full on XX/XX/15. i've tried many times to talk to this company but they fuse to accept that i paid this loan. I disputed this account with all 3 credit bureaus multiple times only to have this account verified. Even though i provided them with a copy of the contract payoff. This account is hurting my credit to get a mortgage.
Consumer complaint received 2022-08-17
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. (AZ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter to help establish a legal recourse. If you choose to not block the item 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 law ... Please remove/block the item this is a fraudulent & was opened without my consent or knowledge ... XXXX XXXX XXXX XXXX Date Opened : XX/XX/2012 Balance : {$0.00}
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a fraudulent accounts on my credit report, which I reported it to BANK OF AMERICA, yet BANK OF AMERICA is not removing these fraudulent accounts. BANK OF AMERICA has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet BANK OF AMERICA has refused to do this. The followings are the fraudulent accounts : BANK OF AMERICA XXXX opened XX/XX/2017 Balance {$36000.00} and BANK OF AMERICA XXXX opened XX/XX/2017 Balance {$49000.00} which were open at an address where I have never lived at and it has nothing to do with me.
Consumer complaint received 2020-09-24
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. (IL)

My ex husband and his family / his brother XXXX XXXX / XXXX XXXX XXXX caused issues and ruined my credit and tried to have me evicted after abusing me nonstop. 

The courts have info and the polcie were bribed not to arrest him and others who abused me. 

This means I cant obtain a lease! 

Please help!! 

Errors by the polcie and bribed lawyers shouldnt be my problem. I was even XXXX and robbed from and XXXX
Consumer complaint received 2019-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX has reported to the XXXX credit bureaus -XXXX , XXXX and transunion that i owe a balance of {$1900.00} for a auto loan. This auto loan was paid in full on XX/XX/15. i've tried many times to talk to this company but they fuse to accept that i paid this loan. I disputed this account with all XXXX credit bureaus multiple times only to have this account verified. Even though i provided them with a copy of the contract payoff. This account is hurting my credit to get a mortgage.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2020-09-24
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: WELLS FARGO & COMPANY (TX)

I just received my credit report and I see an inquire dated XX/XX/2020 by your company. 
To my knowledge, I did give anyone from your company permission to pull my credit report. I did not file a police report because Im giving your company an opportunity to fix this matter. If this matter is not fix immediately, then I will pursue legal actions. Please immediately delete this inquire from my credit reports. 


Please see the inquire detail information listed below : XX/XX/2020 WELLS FARGO DEALER SERVICES WELLS FARGO DEALER SERVICES, XXXX XXXX XXXX, XXXX, CA XXXX
Consumer complaint received 2019-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA (MN)

I obtained a HELOC loan to pay off some credit cards in XX/XX/2019. XXXX XXXX  issued a Cashiers Checks to pay off my XXXX 's account. The check was written out for {$80.00}, paid to the order of XXXX XXXX. However, they accidently sent the check XXXX XXXX to First National Bank of Omaha. First National Bank of Omaha deposited the money into their account, and because the account number on the check was not an account of theirs, the money, obviously, was never credited to. my XXXX account. As well, it was not credited to the account I have with First National Bank of Omaha  : a XXXX XXXX VISA card. 

Basically, the cashiers check was cashed by First National Bank of Omaha, but never credited to any account I hold. 

On XX/XX/XXXX the check was received and deposited. I called XXXX for months to try to figure this out, and finally on XX/XX/XXXX, Macys informed me that the check was cashed by First Naitonal Bank of Omaha. They gave me the phone number for FNBO, On XX/XX/XXXX, I spoke with a Customer Service Rep and they told me to fax a copy of the check and the receipt from XXXX XXXX for this transaction and they would get back to me. I have since called them several times, written them letter and to no avail. They tell me they did not receive the faxed copies, or the written copy. 

I need help getthing this oney back.
Consumer complaint received 2019-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: General Motors Financial Company, Inc. (FL)

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2024-02-10
Product: Credit reporting 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. (DC)

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame. 
1. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 
XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
4. I have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists. 
XXXX XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
5. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation.

Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-09-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

My husband and I had a loan with XXXX finance, and the loan was transferred to Carrington Mortgage on XX/XX/XXXX. XXXX stated that they had done a yearly analysis on our loan. Later between XXXX and XXXX Carrington did another analysis on XX/XX/XXXX and we were told that our mortgage went up to XXXX for the month between XXXX and XXXX. During this change with the analysis, Carrington told us that we were going to be short in our escrow and they would take our mortgage up to over XXXX dollars. We paid the difference within our escrow and they so that our mortgage wouldn't go up, but they manage to up the mortgage to the above amount and they did another analysis for the month of XXXX for our XXXX statement was XXXX. I called the customer service line and she stated that that was the wrong amount. The amount due was XXXX on XX/XX/XXXX. For the month of XXXX XXXX, they change the address where the payments are normally sent and they did not tell us. They sent us information that they did not receive payment for the month of XXXX. I called the company and one of the staff on XX/XX/XXXX, a staff stated that the address had been changed and he apologized. We had an extra XXXX cents going curtailed, going towards the principal, and now they are trying to add the money in the payment charging us XXXX on XX/XX/XXXX. The statements they send to us and the information on the account doesn't match. We have been having problems with this company since we got our account transferred over to them. The statements don't match what they have within their computer, which is confusing. We don't know what to expect from this company when we get our mortgage statements each month. On our XX/XX/XXXX statement on the back of the statement, they got XXXX information which doesn't tell us the most accurate transaction that took place in XXXX. It's confusing dealing with a company giving us conflicting information on our mortgage statements. They tried to charge us late fees because the payment in XXXX was sent to the address given to us and the payment was sent on time. However, they had changed their address, which caused them to get the payment but they stated that it wasn't received. They had changed their address and another payment was sent to them. We don't know what happened to the first payment sent to the address they gave us on XX/XX/XXXX.
Consumer complaint received 2019-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I have a Bankruptcy Chapter XXXX listed on my XXXX, XXXX XXXX and Equifax reports. I have not filed a Bankruptcy within the last 15 years. I have disputed this Bankruptcy which is appearing on my credit reports, and the credit bureaus have left this on my reports.
Consumer complaint received 2019-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a Bankruptcy Chapter XXXX listed on my XXXX, Trans Union and XXXX reports. I have not filed a Bankruptcy within the last 15 years. I have disputed this Bankruptcy which is appearing on my credit reports, and the credit bureaus have left this on my reports.
Consumer complaint received 2021-02-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC (WA)

In early XX/XX/2020 I purchased a use auto from XXXX 's XXXX in Washington State. At the time of purchased I was given paper work of my loans amounts and interest rate. After I left the lot with my new car, I received a call a couple of days later informing me of changes to my loan. The Financing Company is Westlake Financial, my interest rate and loan payment were higher than what I understood it to be. I did discuss my concerns with the dealer about my rates, I feel I was deceived and misled into a purchase without full disclosure of the rate I would ultimately would have. I was badly in need of a car, the dealer knew that and I feel they took advantage of my circumstances. I tried to call them to discuss the rate and request a lower rate they said there was nothing they could do, they said I could not bring the car back.
Consumer complaint received 2019-06-15
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: EQUIFAX, INC. (FL)

I contact the credit bureaus 4 times already. 

The credit bureaus didnt follow the Fair credit reporting law.I asked the credit bureaus for the method of verification and they didnt provide it to me.Therefor, I believe they reporting inaccurate information on my reporting because they failed to provide me with furnisher who report it.
Consumer complaint received 2019-06-15
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: PRESTIGE FINANCIAL SERVICES INC (FL)

On XX/XX/2019 At XXXX a representative ( XXXX ) from Prestige financial services called regarding my XXXX car payment which is 9 days late. I told him that I would not have a payment until XX/XX/2019. I usually make my payments at the beginning of the month. My previous payment was made on XX/XX/2019. I told him I usually pay before the payment becomes 30 days past due. He said that it was not possible to make arrangements and that I would need to make arrangements for sometime in the month of XXXX. He said books close at the end of the month. He asked why I did not want to pay my bill. ( I want to pay my bill but I do not have the funds until XX/XX/XXXX ). He said that I owed 2 monthly payments because of past due payments. I asked him to clarify that I owe $ XXXX, and he said it was due to late fees. He continued to talk over me. When I checked on my online account, I am only 9 days late and owe {$430.00}. I told him that I would only make a payment on XX/XX/XXXX, and I could not do anything before. He said that it is a possibility that my late payment would be reported to the credit reporting agency prior to 30 days. I told him that I have not been reported before even when I was 29 days past due, and he said that it was still a possibility. I told him that I will make a payment when I am able to. I told him to have a good day and I said goodbye, then I hung up. At XXXX, 2 minutes after I hung up, I received a call from a female representative ( Virginia ) from Prestige Financial services. I let her know that I just hung up on the previous caller from their company. She said she was calling to make an arrangement on my payment. I asked for her employee number and she said she was only able to give me her extension number which was XXXX. I told her that they were harassing me because I hung up on XXXX and they called me right back. I asked to speak to a supervisor. She put me on hold for a about a minute and said that because of the time, which her office was about to close, there was not a supervisor available to transfer, and that a supervisor would call me back. I told her that I did not want a call back and that I wanted to wait for a supervisor available. I told her I would not get off the phone until a supervisor came on the line. She said that I could not speak to a supervisor and she hung up on me. I received another call on XX/XX/XXXX at XXXX pm but no voicemail was left.
Consumer complaint received 2023-07-14
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CIT BANK, NATIONAL ASSOCIATION (NV)

Federal Law gives me the right to notify One West Bank/XXXX of errors regarding the servicing of my loans which resulted in the foreclosure of my property. The " ASSIGNMENT OF THE DEED OF TRUST '' a total of XXXX with number XXXX recorded in the XXXX XXXX County Recorders Office on these dates : XX/XX/2009 Doc # XXXX and XX/XX/2009 Doc # XXXX and XX/XX/2009 Doc # XXXX. These Assignments are " VOID '' as determined by the California XXXX Court case XXXX. I am requesting that OWBXXXX provide me with their accounting of this loan and copies of the Assignments.
Consumer complaint received 2017-01-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I 've been asking Bank of America for legal documents on my loan for literally years now, probably 5 years, but very interesting that when they turned over my loan for servicing that all of the sudden there was documentation created. They created an Assignment of Mortgage from XXXX via the XXXX system to Bank of America and then a month later from the XXXX system for XXXX to XXXX ( XXXX ). Now Bank of America has been stating for years that XXXX is the owner so what is all of this? Bank of America 'seized ' ownership for a month even though been collecting from me for years and then assigned it to this XXXX ...? This is insanity and I do n't even have to check to know that not one bit of this was made legal by having it recorded and whose signatures are these ... Why is Bank of America creating these documents and not XXXX??? It 's interesting because one states prepared by Bank of America and the other by XXXX XXXX but the same phone number so also Bank of America? Is this done in Bank of America 's fraudulent document creation lab like the other document XXXX sent which was a complete forgery ( that 's being dealt with separately ). 

This is all just more Bank of America trying to deceive and cover their corrupt actions or if not, there needs to be some serious explanations as to what this is all about!