davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (CA)

I have recently requested my SageStream consumer report several times online, several times via U.S. mail enclosing legible copies ( color printer printouts of high-resolution document photos or of corresponding documents on regular paper ) of my identity documents ( CA Driver License, SSN card, US Passport , XXXX  & E Bill ), and at least once via phone ( by speaking with a live agent ). See copies of my personal identity documents attached. 

Every time, I get a letter in the mail from XXXX stating that theyre either unable to process my request as theyre unable to locate information sufficiently matching my data, or that theyre unable to process my request as theyre unable to authenticate my identity. 

Ive gotten the following such letters recently, dated as follows : Date : XX/XX/year> Consumer Number : XXXX Case Number : XXXX Unable to process request Unable to locate information sufficiently matching my data Date : XX/XX/year> Consumer Number : XXXX Case Number : XXXX Unable to process request Unable to authenticate my identity Date : XX/XX/year> Consumer Number : XXXX Case Number : XXXX Unable to process request Unable to authenticate my identity Date : XX/XX/year> Consumer Number : XXXX Case Number : XXXX Unable to process request Unable to authenticate my identity Date : XX/XX/year> Consumer Number : XXXX Case Number : XXXX Unable to process request Unable to authenticate my identity Date : XX/XX/year> Consumer Number : XXXX Case Number : XXXX Unable to process request Unable to authenticate my identity
Consumer complaint received 2020-07-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kramer & Frank, P.C. (MO)

I have tried for months to resolve and settle this account. First it was with XXXX, it's been tossed around with XXXX  XXXX and XXXX XXXX, now it's with Kramer and Frank. I have called and called many times. NO RETURN CALLS. I have left messages with Mr. XXXX, XXXX and XXXX. NO RETURN CALLS. No communication whatsoever. I have filed complaints before and Kramer & Frank said they didn't have it. I call XXXX XXXX  they say they do. Finally today they say they do have it. No return calls after 4 calls! This is wrong. They are harassing me. I am sick of it. XXXX XXXX  says they own it but refuse to take a payment or try to settle this. Please help me. I will be filing a complaint with the Missouri Bar Association.
Consumer complaint received 2023-01-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

They have inaccurate information on a debit collection it shows a past due amount and from my understanding that's a violation it shows a past due amount of {$2000.00} XX/XX/2018 XXXX
Consumer complaint received 2023-08-08
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX XXXXXXXX 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 2020-07-09
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Braviant Holdings, LLC (WI)

I had a loan with Balance Credit. I was behind on payments and they sent it to a collection agency, XXXX XXXX XXXX. The guy gave the account XXXX XXXX XXXX called me on Tuesday the XX/XX/XXXX. He was all over the place in what he was telling me. HE threatened me with a judgment or garnishment. Which legally he can not do.. He said he would get me a good deal if I agreed to a re-payment plan. HE DOES NOT have the authority to offer settlements. HE knew that I had unemployment coming in. HE said he would call me today the XXXX. as he had sent me a payment agreement to sign. I was not by my phone today when he called, SO what did he do he called my daughter on HER work no, which is a recorded line. HIS supervisor tried to say I must have put that number down as contact no. NO, I did not. That is her work no, and I never put that no down. JUST like he knew I was getting unemployment, w/o me telling him. HE went snooping to get that number. I would never give her number, much less her work no. HE talked to her about my debt, that it was a money issue and he needed to talk to me. IT was a recorded line, it's all recorded. What he did is very illegal. I probably would have worked with him, until he broke the law and abused my rights.
Consumer complaint received 2020-07-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (CA)

MY NAME IS XXXX XXXX I WAS DISCHARGED FROM CHAPTER XXXX BK OVER 2 YEARS AGO. SINCE THAT TIME XXXX XXXX IE PHH MORTGAGE NEVER UPDATED MY MTG PAYMENT HISTORY. 
I AM TRYING TO REFINANCE MY LOAN HOWEVER FOR OVER XXXX WKS SENDING FAXES AND PHONE CALLS VIA XXXX XXXX PHH XXXX  XXXX HAS NOT RESPONDED TO MY REQUEST. I AM AT THE END OF REFI PROCESS BUT CAN NOT COMPLETE UNTIL PHH UPDATES MY PAYMENTS. THEREFORE, WE ARE REQUESTING YOUR HELP
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I applied for a loan today XX/XX/20 and I was not approved because of an account called XXXX Card for a a balance of {$11000.00} reflecting badly on my credit history. I didn't know this account was even on my credit report before today I'm not they type of person that checks their credit report regularly. This account is not mine ; It was not opened by me and I never allowed anyone to open it in my name so I don't know who is responsible for this account. I do not have any contract with that company and I did not benefit anything from this account such as money, goods, services or any other benefit and I never made any payments towards it. I already filed a police report regarding this account.
Consumer complaint received 2021-04-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

On Saturday, XX/XX/2021, my XXXX account was overdrawn nearly {$5500.00} due to my mortgage company Mr. Cooper pulling multiple unauthorized payments from my accounts. I attempted to contact them all morning Saturday and then they closed their call center at noon which left me with no alternatives until Monday. I had no cash for food or gas and at least 1 credit card payment was returned by XXXX XXXX as a result of this error.
Consumer complaint received 2023-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (DE)

I HAVE TRIED TO FIX THIS ISSUE. THESE COMPANIES WILL NOT REMOVE THESE ITEMS OFF MY CREDIT REPORT. THEY ARE REPORTING FALSE INFORMATION ON MY CREDIT REPORT. I'VE SENT LETTERS REQUESTING THE ORIGINAL CONTRACT WITH MY WET SIGNATURE. I HAVE NOT RECEIVED ANYTHING. I WANT THESE ITEMS REMOVED OFF MY CREDIT.
Consumer complaint received 2020-07-09
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX {$99.00} XXXX XXXX {$240.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2020-07-09
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)

There is many fraudulent accounts on my credit reporting that I have never had or authorized.I believe to be a victim of identity theft and I am in the process of purchasing a home and this has caused me alot of trouble. Please help me. The accounts are showing as XXXX XXXX, XXXX XXXXXXXX  and XXXX  XXXX XXXX.
Consumer complaint received 2020-07-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

We had a 6 year car loan with Capital One auto finance. Near the end of our loan, my wife got the payments deferred for two months at the start of COVID-19. 

On XX/XX/2020, my wife made a payment online for the car, but if did not process for some reason. We didn't know there was a problem until someone came to repo the car. 

I asked the man to wait while we called Capital One to straighten out the issue. He was friendly and did so. When we called Capital One, where we offered to clean out our savings to pay the car off in full, they said they couldn't help us until the repo happened, then they would be happy to take our payment. We only owed {$1500.00} out of a six year loan. 

We called the next day to pay off the loan and had to pay {$2000.00} to get our car back and pay off the loan. This completely cleaned out our savings.
Consumer complaint received 2020-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

For over 3 years, I have try to work with USAA to get my money back with little or nothing done on their part to return the money. I was stationed overseas and I have set up an allotment to go to what I thought at the time was my checking account ( find out later I was my member number- which happened to be exactly someone else account number ). After becoming aware of my mistakes I took steps to rectify it and asked about how to get the money ( allotment I have transfer so far ) back. I was told to submit a letter of indemnification which I did religiously every other week for the past 3 years with no results. I was told unconcernedly- well there is no money in the account of that person, sorry nothing else we can do .... no feedback when I submit the letter that an attempt to collect my money was even done ... I had periodically called but was meet with the emotionless, unconcerned response- nothing we can do, there is no money ... keep submitting the letter ( and i was told unless I submit a letter, they don't attempt to collect the money ). This is unacceptable for a financial institution .... " if the roles were reverse and I owe USAA any kind of money, they would ve find a way to pull that money from my account at any point - even if it means making my account overdrawn- '' so why I am being toy around and given excuses as if they can't do anything to help
Consumer complaint received 2020-10-23
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. (SC)

I have requested to see Verified record of Experian and XXXX  files. 609 ( a ) states information ON FILE ; sources ; report recipients. Every consumer reporting agency shall, upon request to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. This information should be in the credit bureaus files when they put this information on your credit report. I was instructed to contact the creditors for, all documents. Therefore they are reporting unverified accounts. Because this information should be stored in the credit bureaus file and in their computer database on every consumer.
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

Fraudulent account identity theft XXXX XXXX ct/ XXXX XXXX Date open XX/XX/XXXX Amount XXXX Account was deleted XX/XX/XXXX from Experian credit report but the same account continues to reappear back on credit report
Consumer complaint received 2020-07-09
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. (FL)

There is many fraudulent accounts on my credit reporting that I have never had or authorized.I believe to be a victim of identity theft and I am in the process of purchasing a home and this has caused me alot of trouble. Please help me. The accounts are showing as XXXX XXXX, XXXX XXXX and XXXX  XXXX XXXX.
Consumer complaint received 2020-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (MI)

My refinance loan was closed in XX/XX/2020 and I signed paperwork that the lender did not require an escrow account ; however, the borrower elected taxes be placed in escrow. I did not sign any other paperwork regarding requirements around an escrow account or its removal. I contacted The Money Source in XX/XX/2020 regarding this and was told they saw no reason this could not be removed and they would work with the escrow team on this. On XX/XX/2020 I received a letter from The Money Source indicating removal was approved and all requirements were met that I must return the letter signed to complete removal. On XX/XX/2020, I contacted The Money Source and they now tell me the letter was sent to me in error and I must have 12 months payment history, 80 % or less LTV for escrow removal falling back on the previous letter. I spoke with a supervisor who just kept repeating I agreed to this requirements by signing for an escrow account ; however, these requirements were not displayed anywhere in my closing paperwork. If these requirements were in the closing paperwork I would have not signed them and asked for the loan to be re-done. So to summarize I am being held to requirements that were not presented to me at closing or in signed paperwork. Beyond I do have an approval letter for escrow removal from The Money Source.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

On two separate occasions, XX/XX/XXXX and XX/XX/XXXX the company XXXX XXXX ran my credit in order to process financing options for the purchase of a car. 

In each instance, they guaranteed that this process would show up as one hard inquiry per " processing '' ( once on XX/XX/XXXX and once on XX/XX/XXXX ). Now, XXXX and Experian both show 3-5 hard inquiries per time, negatively impacting the " Hard Inquiries '' section of my report and thus my score.

I have reported this to Autolenders and they stood by that it " should '' only show one hard inquiry per, and send verbiage directly from Experian 's FAQs section assuring the same. Despite that, I show as having 10+ hard inquiries on my report due to this. 

XXXX shows 5 hard inquiries on XX/XX/XXXX : XXXX ( Finance ) XXXX XXXX XXXX  ( Bank ) XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Bank ) XXXX XXXXXXXX XXXX XXXX ( Finance ) 5 hard inquiries on XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Bank ) XXXX XXXXXXXX ( Bank ) XXXX XXXX XXXX XXXX ( Finance ) WXXXX  ( Finance ) Experian shows 5 hard inquiries on XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 hard inquiries on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (NC)

Upon applying for a loan for a mortgage, i have received at minimum 50 calls in 2days, while Im at work, acquiring about a mortgage loan. My only assumption is the national bureaus, equivalent, XXXX XXXX XXXX XXXX have sold my information to these companies calling me. Its borderline harassment and stopping me from answering calls i actually need to answer for work
Consumer complaint received 2020-07-27
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 — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (IN)

XXXX is showing my car loan with credit acceptance increased by {$210.00} on XX/XX/20. I disputed it and results say no change needed. I spoke with Credit Acceptance 3 times regarding this change and they assured me that my loan will never go up and will decrease each month. I have never been late on my car loan. They also stated that XXXX has made the mistake and they need to fix it on their end. I spoke with XXXX and they state it is correct. I just go back and forth between the 2 of these companies. Please help. Thank you. Sincerely XXXX XXXX
Consumer complaint received 2019-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC. (NY)

I received an email from Equifax on Sunday XX/XX/XXXX stating that I'm trying to apply for credit card through XXXX XXXX  which totally not true. That same day i filled a dispute with Equifax and on Monday I contact Equifax to complain Equifax refuse to take my complain. I contacted XXXX who is credit monitor through my company to filled a complain. On Tuesday my online dispute through Equifax came back stating the information is accurate Immediately i contacted Equifax the same thing happen again refuse to help in this matter and it's affecting my credit score. Please help me.
Consumer complaint received 2018-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (LA)

On XX/XX/18, contacted this company via phone because this item has been reporting in my credit report and to notify them that this account was opened as a result of fraud. I have completed an identity theft report via the ftc.gov listing this account as fraudulent.
Consumer complaint received 2023-01-09
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: DISCOVER BANK (NY)

I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theftXXXXXXXX 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 2020-10-12
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. (DC)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-01
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. (OH)

I recently sent you a notice of identity theft for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. You failed to block and permanently delete these accounts within 4 business days.I am now exercising my rights in accordance with 15 USC 1681 for a reinvestigation. You shall provide to me : 1. A description of your reinvestigation procedure, including name, department, and authority of person contacted.

2. Certified proof that I gave the company consent to furnish the account transaction.

3. Certified proof that I gave you consent to report the account on my credit report.

4. Proof that you have reviewed and considered all relevant information submitted by me.

5. Your reasonable procedures to prevent the reappearance of the information in my file.
Consumer complaint received 2020-10-12
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. (DC)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX