davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I have been fighting with the bureaus to remove inaccurate information from my credit report which is hurting my credit and stopping me from being a first-time homeowner. I have even highlighted the mistakes and still came back verified. Inaccurate information can not be verified if it is wrong. I am challenging the credit bureaus with factual information. Please help me to resolve injustice treatment from the credit bureaus whose only job is to keep you with bad items on your report so they can make money. I did not give anyone permission to share or sell my information but the bureaus do it anyway. My next step is a discrimination lawsuit again theses bureaus that are holding my credit and the ability to live a better life in their hands. 

Please help me resolve this matter and make sure that this matter is resolved as soon as possible.
Consumer complaint received 2020-09-12
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. (HI)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$540.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$540.00} -This is not my account.
Consumer complaint received 2021-02-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

Fed Loan Servicing coerced and deceived me into entering an unidentified program to make monthly {$5.00} payments toward student loan accounts, without disclosing that they were a debt collector. 

The company at no point in time ever identified itself as a debt collector. Consequently, I was never aware that I was dealing with a debt collector. 

In fact, I believed this company was a federal agency. Much to my surprise, the student loan accounts, dating as far back as 1989, are being reported as open on my credit profile at the national Credit Reporting Agencies ( CRAs ). 

Fed Loan Servicing has violated federal law by using deceptive and misleading tactics, not identifying themselves as a debt collector, in an effort to collect on more than 30 year old student loan accounts by reporting them to the CRAs.
Consumer complaint received 2021-02-27
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: AMERICAN EXPRESS COMPANY (VA)

American Express has never sent me my bill with the proper discolure pursuant to the Card Act regarding the Minimum payment warnings : The CARD Act requires credit card companies to tell users 1 ) how long it will take to pay off their balance if they only make minimum payments and 2 ) how much they will have to pay each month to pay off their balance in 36 months. I'm not receiving my statement with the minimum payment disclosure pursuant to the Card Act. And I never opt in for over limit transaction with Hertz Car Rental. American Express has approved the transaction over the limit without my consent and it has damage my credit score pursuant to the Card Act concerning billing statement XXXX XXXX XXXX XXXX - XXXX XXXX ) regarding the opt in for over the limit transaction and the minimum payment disclosure.
Consumer complaint received 2022-05-01
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. (SC)

I called and let the collection agencies know they was violating my rights to privacy by putting the the accounts on my credit report without my permission. 


15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-09-05
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. (MI)

I have contacted Equifax explaining that I have several inquires that I have not authorized them to have access to my credit report. This information is fraud and I have attached the FTC report to have this information deleted from my credit report.
Consumer complaint received 2018-02-20
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Military Mortgage, LLC (WA)

An Appraisal payment was made XXXX to ( XXXX ) XXXX XXXX UT XXXX to refinance my residence. Have contacted XXXX NMLS # XXXX - ( C ) XXXX XXXX XXXX or XXXX XXXX XXXX and requested to provide the Loan Estimate numerous times to no avail. 

I am requesting a total refund for the refinancing process. The refinancing of my property should have been completed in less then 3 weeks hence, it is taking more than 8 months since the appraisal payment.

I have in sofar received any documents regarding the refinancing process.

Note, the refinancing of my property commenced in New York and apparently is now conducted in the State of Utah.
Consumer complaint received 2020-12-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (GA)

I would like to make a complaint against LVNV Funding LLC and XXXX XXXX XXXX. I have sent a request for the creditor collection agency to validate the debt they are claiming. The company in return went and filed a lawsuit against me in Covit-19 and has a pending status on me. They have not responded to my request for debt validation and are still sending me letters to pay a debt that was not verified. Now I am being harassed by lawyers to defend myself against this unvalidated debt. I have also requested the 3 credit bureau to take action to have the debt verified and they just sent me a statement saying that they will not remove it and is updated.

I found this action to be taken against me to be very ridiculous and out of order that I came home to hear that I had police knocking at my door than leaving an orange sticker at my resident door saying this is a civil matter call me. I looked up the code that was listed on the sticker and seen that it was the same company that I asked to validate this debt. 
I have also had XXXX XXXX XXXX not verify their debt as well and have taken the same measure with the 3 credit bureau to have this debt to be validated.
Consumer complaint received 2024-02-27
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. (IL)

XXXX XXXX XX/XX/2024 I have not authorized or initiated these hard inquiry, nor do I have any recollection of engaging with the mentioned creditors on the respective dates of inquiry. As per the Fair Credit Reporting Act ( FCRA ), Section 611, I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or outdated.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-09-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (OK)

I requested a payoff of my mortgage. I was refinancing with a new company at a reasonable interest rate and receiving a cash back amount. 
Current - Rushmore Mortgage- My interest rate now is 9.93 % The payoff came on XX/XX/XXXX and it included XXXX as short interest. I inquired as to what this was. I was not given a report or letter on what this is. 
XX/XX/21 Requested in writing of a detailed report for this amount. 
XX/XX/21 Receipt of acknowledgement of my request and it would take 30 days to get a response from them. 
XX/XX/21 called and was told it would be sent out that day ( Friday ) or on Monday. 
XX/XX/21 Called and requested the information again. I was told it would be sent that day. 
XX/XX/21 ( dated letter ) Received a letter with the corporate fees listed. ( I did not request this ) XX/XX/21 Called to request the correct information and advised they sent information I did not request. 
I can not get my interest rate reduced from Rushmore. 
I have stopped my refinance because that amount is greatly increasing a new loan. 
The payoff is XXXX as compared to XXXX with short interest
Consumer complaint received 2022-05-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Upgrade, Inc. (IL)

This company on XX/XX/XXXX placed me on a hardship repayment plan and took off my ACH and said that I do not have to pay XXXX payment. The management team did listen to the recordings and did confirm that this is correct but every month since then they report to the credit bureau that I am late. They had to send over two-three credit correction forms and every month they still report me late. There is a glitch in their software system that sends me to collections. NOBODY at this company can fix the problem. They send me to every department and no resolution. This company is not receptive to the customers ' needs or complaints.
Consumer complaint received 2021-09-16
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: Fidelity National Information Services, Inc. (FNIS) (NY)

I have been a victim of identity theft and there was a checking account established with XXXX XXXX  with a line of credit attached that they used to overdraft the fraudulent account. I have tried to contact Chexsystems in getting the item removed but have been unsuccessful there was also some inquiries with XXXX XXXX XXXX that was showing as well I never applied for anything with that credit union.
Consumer complaint received 2019-05-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: KEYCORP (CT)

In XX/XX/2018 I opened an online checking account with Key bank. Some how my correct address did not get registered, but I did not know that. I received an email that same day confirming that my account was opened, but the email didn't contain my account number. I waited for my first statement, which I never received because of the incorrect address. After a few months ( my fault for waiting so long ) I chatted with Key to inquire about my account, but they couldn't help me and said I had to call them. I called and the person told me that my statements were being returned, but she couldn't give me my account number over the phone and that I would have to go into a branch to resolve the matter. When I went into the branch I was able to correct my address and get my account number. When I got online access to my account I saw a large number of fees, inactivity fees, paper statement fees, returned statement fees, maintenance fees. They are clearly trying to extract as much money in fees from their new customers as possible. So I transfer the remaining money and tried to close the account. I was told that I could not close the account because of a recent address change. I waited the specific time and then tried to close the account, but by then I had a negative balance and was told that i could not close the account becaue I had a negative balance. I asked to speak to a supervisor and he said he would refund the latest fee to bring the balance to zero and then close the account a few days later once the refund is no longer pending.
Consumer complaint received 2021-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital one is reporting on my credit inaccurate information. They are reporting my balance is {$23000.00}, when in fact my balance is {$22000.00}. They are also reporting I have two missed/late payments, this is inaccurate and the dates are XX/XX/2019 and XX/XX/2019. 

I have sent letters to the company and disputed the information numerous times.
Consumer complaint received 2021-09-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (GA)

This is a 2nd mortgage on my home that was with Ocwen mortgage co. and it was sold to PHH mortgage in 2019. I have been paying this mortgage with auto payments through my bank, but the last 5 payments have been returned. When I contacted PHH, I was told that the account has been foreclosed and the representative did not know why. I was told to contact PHH by mail because there was no one that I could speak with. I am contacting you to find out the next step.
Consumer complaint received 2023-04-06
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters.
Consumer complaint received 2021-12-01
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: SELFi, Inc. (NV)

On Wednesday, XX/XX/2021, I was informed by my mortgage lender that my credit may have been pulled without my permission. I checked my credit report and saw that XXXX XXXX was the company that ran the report. At XXXX, I called XXXX XXXX and informed them that I did not request a credit check. I was informed that XXXX XXXX of SELFi mortgage was the person who requested the credit check. His phone number is ( XXXX ) XXXX.
Consumer complaint received 2020-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

show tooltip button XXXX XXXX XXXXDispute Chapter XXXX bankruptcy petitionDispute Chapter XXXX bankruptcy dismissedDispute ftc violations please remove names : XXXX XXXX XXXX XXXX XXXX XXXX not mine
Consumer complaint received 2020-12-12
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. (OH)

Looking over my credit report and notice there were fraudulent accounts that does not belong to me and never authorized any contracts and business with these companies. 
The following accounts are listed below : XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-02-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ZWICKER & ASSOCIATES (GA)

I received a letter from a lawyer 's office regarding a credit card debt. The creditor is XXXX XXXX. I reported this account to the creditor and the credit bureau as a fraudulent account that I did not make. I stated that the account was applied and made by identity theft. 
Once I discovered the account 's existence, I reported a police report with an FTC identity theft report. Also, I requested proper verification to be processed for the fraudulent credit card account. 
Unfortunately, the credit did not provide any documents to me suggesting that I applied and used the account. The only documents I received were monthly statements of the fraudulent accounts. 
I requested a specific document, which was a written contract/agreement that was made between me and the XXXX XXXX. 

I do not understand how XXXXXXXX XXXX can sell this fraudulent account to the collection agency when they clearly failed to conduct a proper verification process of this fraudulent account. 

Also, the date Zwicker and Associate posted on the upcoming lawsuit is XX/XX/XXXX and stated that I must reply back within 30 days. I only received the letter today, which is XX/XX/2021. I know by law I have 30 days to respond back to them, but I only received the letter today. 

Zwicker and Associates are playing games with me in order for them to not to provide any verifiable documents to me.
Consumer complaint received 2021-12-01
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: Experian Information Solutions Inc. (AZ)

I XXXX the living man, has made claims to the unauthorized accounts on my credit consumer report, under 15 USC 1681 XXXX XXXX, has no permissible purpose, or written consent. to report anything on my report, the information they have investigated can not be factual according to 15 USC 1681 ( A ) ( E ), the investigative report have to be information from the actual consumer. In addition, to deletion of collection accounts XXXX has been investigated more than 30 days. This information must be deleted.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

THis is XXXX XXXX SSN # XXXX. I have been sending you dispute letters but it seems that I am not being taken seriously. i sent you the letter clearly stating the inaccurate information but you dont seem to be doing anything! these errors shouhld have been here in the first place but even after asking you to investigate it, youre ignore them. I am going to take legal action if you continue with your negligence.
Consumer complaint received 2021-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9500.00}, {$25000.00}, {$0.00}, {$400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account.
Consumer complaint received 2022-05-01
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. (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 section 602 states that I have a right to privacy.

15 USC 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose