davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-03
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. (NC)

My name is XXXX XXXX and I want to report an identity theft in my credit report, bad accounts are shown on my credit and damaging my good name, Please help me to remove this accounts from my credit because they are not mine.
Consumer complaint received 2018-06-21
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (LA)

My GM Financial account should not be showing any balance as my gap insurance covered this. I have a letter to prove this that has been uploaded. I am actually getting back a credit of {$1800.00} for my Vehicle Service Contract. There should be no balance reporting for GM. Please correct this on my credit report immediately.
Consumer complaint received 2016-12-13
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: BARCLAYS BANK DELAWARE (CA)

closed the credit card paid in full and after a {$25.00} bill came in and I was never contacted or called on me. After checking my credit score I noticed a drop tremendously I called them and paid the bill in full. I 've tried multiple times to get them to remove it.
Consumer complaint received 2016-06-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Debt was ACH into New Bank of America credit account instead of the right credit account known as XXXX XXXX and no longer Bank of America ( debt buyer/debt collector ) without a signed agreement with the borrower. After the mistake was recognized, in which the Bank of America, now known as the New Bank of America, transferred it after the payment date into the Bank of America, now the debt buyer XXXX XXXX XXXX account several credits were made. But then the consumer 's automated default was never removed and it continued to produce late fees and interest owed with defaulting in original month, XXXX XXXX. I could n't get a response from XXXX XXXX, nor the New Bank of America, or the Bank of America on either account/s after phone communications, Email communications, and written communications. I decided to stop paying after XXXX XXXX, because I could no longer figure out what I owed on the XXXX XXXX ( Bank of America ) credit card. Their statements are impossible to figure out if you do n't stay current. There is no truth in their statements either, because I do n't owe money to a debt buyer as a retired person on social security benefits per the law, and other legal theories. I wrote to the CFPB and have a complaint against Equifax. This complaint is for XXXX XXXX ( Bank of America original debt grantor ). See, my correspondence. This involves XXXX bank accounts and cut-off procedures, and the unwillingness of XXXX XXXX to be cooperative with the federal and state consumer protection laws.
Consumer complaint received 2020-07-17
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. (GA)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. 
Please remove these from my report : XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Hey, I went over my consumer report, and I noticed some hard inquiries that I didn't authorize, or I do not have knowledge of. I have called several times and let the credit reporting agencies and the companies know that the inquiries in the document included below are fraudulent and they have yet to be removed. They are not to supposed to be visible on my credit report. I never gave them permission nor written consent to report or to authorize the inquiry. By law this is aggravated identity theft. 18 U.S. Code 1028A
Consumer complaint received 2021-05-22
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. (FL)

I checked my personal credit report, and I noticed the unauthorized inquiries have been made. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX I contacted and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into the inquiry listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized
Consumer complaint received 2020-07-17
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. (GA)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. 
Please remove these from my report : XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2021-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (VA)

As I was preparing to file my XXXX taxes with my accountant ( cc 'd on this email ), it was brought to my attention that Specialized Loan Services, LLC ( SLS ), a subsidiary of XXXX, failed to pay my property taxes to XXXX XXXX in XXXX ( the property is in two counties, XXXX and XXXX ), despite me paying into escrow for this every month. The money for the XXXX property taxes is currently being held by SLS in escrow. 

My property is in two different counties ( XXXX and XXXX ) and SLS states that they somehow made an error at closing where XXXX county was missed. Thus, SLS only paid the property taxes in XXXX and not XXXX in XXXX. This loan was assigned to SLS in XXXX, XXXX. 

Total Tax Due in XXXX ( prior to penalties and interest ) : {$3300.00} SLS has instructed me not to pay the taxes directly to XXXX County ; however, I have now placed over six calls to both SLS and XXXX without any resolution or forward movement on the issue. 

SLS refuses to give me any transparency into their process nor will they issue me a case number or provide me with an email address where I can at least have proof of our communications. 

The property bill is now over 3 months overdue and continues to accrue interest and penalties, which under VA law, SLS is responsible for as an escrow account was established and the funds are already being held in escrow for the taxes. 

My request is that someone in upper management gets on the phone with XXXX County and myself and resolves the issue, pays the taxes and the fines. This process has been ridiculous and is so frustrating. I did not have the ability to consent to the loan assignment or the horrendous service I have received from SLS as a result thereof. 

Further, XXXX notified me that the loan is being assigned to XXXX on XX/XX/XXXX ; however, I have been told that the " investigation '' to get the taxes paid could take until XX/XX/XXXX. This is unacceptable and must be resolved prior to loan assignment or as stated above, I will be pursuing legal action against SLS and XXXX. 

Here is the timeline of events : XX/XX/XXXX : First communication with SLS XX/XX/XXXX : 2nd communication with SLS, tax bill uploaded to the website provided by SLS XX/XX/XXXX : XXXX XXXX XXXX Complaint filed, still no response XX/XX/XXXX : 3rd communication with SLS, no record of tax bill receipt, SLS confirmed taxes with the wrong county XX/XX/XXXX : 4th communication with SLS, still no record of tax bill and once again SLS confirmed taxes with the wrong county XX/XX/XXXX : Tagged XXXX in a post on your XXXX page trying to notify someone of the issue XX/XX/XXXX : Call with XXXX, where a prompt resolution was promised XX/XX/XXXX : Call with SLS, was told it would be resolved by XX/XX/XXXX, which as noted, in light of the delinquency which began XX/XX/XXXX and the pending loan assignment on XX/XX/XXXX to XXXX is absolutely unacceptable. Per this XX/XX/XXXX call, the wrong county was AGAIN verified.
Consumer complaint received 2020-01-20
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. (FL)

i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2021-03-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

Hello, I recently sent in disputes to Equifax on XX/XX/21 and XX/XX/21 and have not received nothing in email or in the mail I tried contacting them multiple times but nothing has changed thank you.
Consumer complaint received 2021-03-01
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 — Their investigation did not fix an error on your report
Company: Onity Group Inc. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2018-06-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ORG GC GP BUYER, LLC (CA)

I had a debt on my credit report from XXXX XXXXXXXX XXXX in XX/XX/XXXX. I disputed the validity of this debt and the reporting company removed it from all 3 bureaus. As of XX/XX/XXXX this debt has re-appeared, this time being reported by GC Services. I have initiated debt validation with them as of XX/XX/XXXX. The biggest issue of this at this moment is the re-aging of this debt. it was originally reported as XX/XX/XXXX and is now being reported as XXXX XXXX. This is a complete violation of 15 U.S. Code & 1681s-2 responsibilities of furnishers to report ACCURATE information. This is completely inaccurate and this collection agency should be reprimanded for their deceitful collection practices.
Consumer complaint received 2017-08-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (OH)

I paid off an old mortgage with Wells Fargo on XX/XX/XXXX. At that time, I also had a checking account that I was using to make direct deposits, move funds over via ACH, etc. I opened a new mortgage with Wells Fargo on XX/XX/XXXX. On XX/XX/XXXX, Wells Fargo abrupbtly closed my account with no warning. On XX/XX/XXXX, my company attempted to make a direct deposit to my account for {$1000.00}, which caused the ACH to be rejected, since Wells Fargo had closed my account. This caused me great strife having to contact various departments in my company to reverse the ACH, as well as establish a new relationship with another bank due to having no where to send this part of my payroll. I nearly missed mortgage/credit card payments, too. I called Wells Fargo to ask for an explanation. The only response I was given was, " You no longer have a mortgage with Wells Fargo. '' This was clearly incorrect, as I had already opened one with them ( my current mortgage ). I spoke to a supervisor, who was equally less helpful. They offered me no support or anything to rectify the situation. I am deeply troubled by this pattern of behavior at Wells Fargo.
Consumer complaint received 2022-09-12
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. (NY)

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

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-03-01
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: AMERICAN EXPRESS COMPANY (OR)

On XX/XX/XXXX I tried to purchase XXXX XXXX from XXXX XXXX in the amount of {$10000.00} or a XXXX coins I was charged {$100000.00} on my American Express Card. When I found out what I was charged I disputed the charge with XXXX XXXX on XX/XX/XXXX for refund due to the over charged amount. After multiple conversation with XXXX XXXX on XX/XX/XXXX I was told I should have received a refund. 

I also contacted American Express who told me that the money would also be refunded as purchasing crypto currency is not an allowed transaction. To date I have not received a refund from either American Express or XXXX XXXX.
Consumer complaint received 2021-03-01
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 — Investigation took more than 30 days
Company: AMERICAN HONDA FINANCE CORP (NJ)

American Honda Finance Corporation has provided several points of false information. They state that they attempted to reach me via ( XXXX ) XXXX, which I know is blatantly untrue because they had the incorrect phone number on file until I was the one that called them to update to this number during a phone call to them that occurred on XX/XX/2020. I ask that American Honda Finance Corporation provide proof that they made these phone calls in which I never received. 

They also state that they attempted to reach me via ( XXXX ) XXXX, which is not, and has never been, a phone number that I or my co-signer own. 

They also state that emails were sent to XXXX between the dates of XX/XX/XXXX and XX/XX/2020, but this never occurred. I ask that American Honda Finance Corporation provide proof that they sent these emails in which I never received.
Consumer complaint received 2021-03-01
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 — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX DOB :XX/XX/XXXX XXXX XXXX XXXX   POLICY XXXX BUSINESS NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX EMAIL XXXX XXXX XXXX NUMBER XXXX XXXX  EVENT NUMBER XXXX PERSONAL, FAMILY, HOUSEHOLD, XXXX XXXX XXXX XXXX XXXX XXXX. OFFICE OF LAWYERS IDENTITY THEFT DUE TO XXXX  STATE AGENCY & FEDERAL AGENCY DECLAIRED NATURAL DISASTERS.
Consumer complaint received 2018-06-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (CA)

I have been working with Citi Mortgage on a 2nd loan modification for years now. I was in review for a loan modification, on XX/XX/XXXX, i faxed them over the only items they stated were missing which were paystubs and bank statements. On XX/XX/XXXX, i called in and spoke with XXXX whom confirmed that the the paystubs were received and she stated she would put in an urgent request to get the sale date postponed. I called again on XX/XX/18 and spoke with XXXX again who stated that the Asset Manager had not responded to the request yet but she would send another email and they would call me as soon as possible. As eager and concerned i became, i could not wait for a call back and called again on XX/XX/18 and spoke with XXXX. She stated that that they now need the XXXX form and the updated XXXX ( which was newly requested and never mentioned before ). The same day and i went onto their website, downloaded the forms and faxed them in to XXXX. I called back XX/XX/18 and spoke with XXXX who stated the XXXX i sent in was incorrect, i mentioned to her that it was from their website. She stated she would fax me the correct form so i can send it. As of today, i still have not received the correct form so when i called again and spoke with a XXXX, she proceeded to tell me that it was too late to send in the information and i had to do so 7 days prior to the sale date. I requested to speak with a Supervisor but she said there was nothing they can do. I dont understand how I can be set up in a way to lose my home. At this point, i just need help. Please, i beg.
Consumer complaint received 2017-07-25
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Your negligence has caused me harm, since it has affected my ability to obtain new credit. Since you have not provided me with any documentation, I am under the impression that you can not verify these accounts. Therefore you must comply with the provision 15USC section 168i ( a ) of the FCRA and remove the disputed items form my credit reports immediately. If I do not receive a revised credit report, with the items removed at my current address, I will pursue my legal rights with an attorney under 15 USC section 1681n or 1681o " Civil liability for willful noncompliance ''. Your company may be liable for : actual damage I sustained by your failure to delete items, punitive damages as the court allows, and cost of the court action plus attorney 's fees. Since XXXX of 2016, I have been sending certified letters regarding capital one via the credit bureaus asking for validation and verification of several accounts that were listed on my credit report. I asked for copies of the applications with my signature proving these were my accounts. I always received a letter from capital one asking for clarity of my dispute, I could n't be any clearer, I want proof these are my accounts. If you can not provide a signed contract/agreement between myself and Capital One, then you must delete the accounts from my credit report. This is what I stated in my letters : Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) (  A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. The credit bureau continues to send updates stating the accounts are " verified '' and have neglected to provide any documentation and are in constant violation of the FCRA.
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DC)

I am a victim of Identity theft. The perpetrator ( s ) used my information to try to open a loan with XXXX XXXX XXXX. This company accessed my file through XXXX XXXX XXXX. 

I contacted XXXX and they claimed they had permissible purpose to access this file but WOULD NOT PRODUCE IT. This is a violation of federal law. The customer service area then said there was no signed disclosure or no physical evidence of Permissible Purpose available. 

I have enclosed a letter to this company. 

This inquiry is negatively impacting my credit score. I have contacted Experian directly and they refused to remove it