davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-04
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. (LA)

With the help of my lawyer, whos awaiting court arrangements for legal actions, this is my SECOND attempt with him, requesting you to REMOVE the XXXX AUTO FINANCE account from my credit report! 
The documents provided is NOT VERIFICATION. How dare a business allow someone to sign a fake signature to represent me. The documents provided by XXXX, DOES NOT HAVE MY SIGNATURES, SIGNED BY ME. You allowed this illegal transaction to illegally report to my credit report and use my credit information to allow this unverified account fund correctly without verification. 
Attached is documents sent by XXXX, signatures that are BLACKED OUT which isnt verification as you CAN NOT see the signatures and just by looking at the first letter of the signatures, proves to me that it is not my hand writing due to I DO NOT write my name like that. 
You also will find attached billing statements which ARE NOT MINE, they belong to XXXX XXXX. 

I have provided my real signature, along with the illegal signatures signed by someone other than ME, that was provided as verification. 
I assume you understand how big identity theft is in this country, correct? This is a HUGE mistake and LEGAL ACTIONS will be taken place immediately as my lawyer make arrangements for court. 

I DEMAND YOU REMOVE THIS ACCOUNT OFF MY CREDIT REPORT INSTANTLY!!!
Consumer complaint received 2020-08-23
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. (OH)

While checking my credit report I discovered unverifiedinformation. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty.

1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I reported fraud on my Capital One Quiksikver card on XX/XX/XXXX from a retailer called SSense for {$2000.00}. I immediate notified my card company once I saw these charges posted and shut down the cars and ordered a new one. I received a letter in the mail about 2 weeks later stating that this case was revised and found to be fraud and closed and I wouldnt be responsible for the charges. Today, XX/XX/XXXX, I saw the charges repost for the full amount even though I did not make them!! I am livid that Capital One would try to get me to pay {$2000.00} worth of fraud for something I never bought! I have been keeping up with my payments during the pandemic and never carried a balance or had a late payment and I am frustrated they would do this to me. I did not make the payment so I shouldnt be stuck paying for fraud.
Consumer complaint received 2021-02-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

My brother XXXX XXXX, transferred 2 transactions each in the amount of {$330.00} from his XXXX  checking account via XXXX to my USAA checking act. He received two confirmations from XXXX  for both transactions. His balance did go down in the amount of {$660.00}. However, I only received one transaction in the amount of {$330.00}. The remaining {$330.00} did not go back into his XXXX  checking or my USAA checking. I provided USAA with the confirmation number XXXX provided to him # XXXX, USAA states that is not a valid confirmation number, USAA has provided me with a Case Number XXXX. I am requesting the assistance and support of CFPB.
Consumer complaint received 2019-06-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OPORTUN FINANCIAL CORPORATION (CA)

Lender stated that application will not affect credit score and only a soft inquiry will be done. While loan was declined, an immediate hard inquiry showed up on my credit report. I immediately contact them and told them that it was not noted on their disclaimer. The only things noted were soft inquiry and that loan will not impact credit. My credit is already score dropped one point on the same day.
Consumer complaint received 2020-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Dear reader, About a month ago or so I wanted to check my free 'once a year credit score ' using one of the three credit bureaus and when I did that the page wouldn't load so I would press the back button and click it again. Rather than understanding I only wanted to see it once I believe the companies thought I was checking my score multiple time and thus negatively affecting my overall score. I just want to make sure that I'm not unfairly taking a hit to my credit score when life is hard enough as it is. I'm also extremely sad because I was unaware that when my credit card changed I was missing debt payments. This negatively effected my score as well. I intend to always make payments on time but I was struggling at the time, now, and did not know I was missing anything when it happened. Please help me. 

Thank you, XXXX
Consumer complaint received 2020-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

My credit limit on my Capital One card was cut from {$9000.00} to {$2000.00} overnight with no warning. I called the company today and they claim I wasn't using enough of my credit. I have a {$400.00} balance on this card which means that my credit usage went from .04 % to 20 %! This will impact my credit score significantly ... because of the usage and even when I pay that off, I will still have a drastic decrease in my overall available credit and I have higher balances on my other cards. With this cut, i estimate that my revolving credit usage will jump from a healthy range to 74 %! This will have a devastating effect on my credit score.  They gave no warning at all and will not give any solutions either. This puts me in serious financial jeopardy and came with no warning at all! They have done this to thousands of people. Please help us.
Consumer complaint received 2021-01-20
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. (TX)

I disputed public record information that appears on my Experian credit file. Experian replied to me that the information would remain on my credit report because they validated the information with XXXX. I then disputed the information with XXXX who, under the FCRA, removed the information and also notified Experian. I disputed the information with Experian again and they refuse to remove the information. I viewed the information for the bankruptcies in PACER and the address on the entry is not mine. The bankruptcy information in question does not have a DOB that can tie it to me and the address is not mine ; the address is not on any of my credit reports and it is not on my XXXX report. If Experian used XXXX to validate the information that XXXX has not removed, how is this information being validated as mine and belonging on my credit report?
Consumer complaint received 2016-07-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stanislaus Credit Control Service, Inc. (CA)

A hopital medical bill came to my address attention to me from someone who used my address when he got into an auto hit and run accident. After his release from hospital Ive been receiving the bill continously for several months despite my sending a letter informing them that the bill is not mine and he does not live at my residence nor I am his guardian. I do not even know the person. The bill is not mine. I am not the patient. For several months I am still getting the bill and now from a collection agency despite my numerous times of communicating with the hospital that the bill is not mine and I have no information regarding the whereabouts of this person. They are using my name and collecting from me on a bill that was never mine for someone whom I do know nor I have any relation.
Consumer complaint received 2016-06-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (PA)

I am current with my mortgage with Ditech however they are showing my account as past due. I have been told by their Customer Service Dept. that it is due to a software upgrade at the beginning of XXXX and that when I made my XXXX payment on XXXX XXXX they did not allocate it properly. As of today my account is showing that I owe them the payment for XXXX plus a late charge and the payment for XXXX. I have contacted them at least five times and each time I am told that they are working on resolving the matter, however I am getting collection calls from them even though I have been told that my account is noted that the issue is on their end and I should not be receiving such calls. I believe that the calls and the incorrect allocation of funds are a form of harassment and possible fraud.
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

on XX/XX/2015 addresses has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting incorrect is XXXX XXXX XXXX XXXX XXXX, MS XXXX, XXXX XXXX XXXX XXXX, FL XXXX these addresses are undeliverable by the US Postal Service.

to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of addresses that are reporting are not deliverable by us postal service and has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it.

EXPERAIN AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC (SC)

I am XXXX XXXX XXXX XXXX and during XX/XX/XXXX my home in XXXX XXXX FL was destroyed by Hurrican Micheal. My loan with XXXX XXXX was placed into Forbearance starting in XX/XX/XXXX. My home was repaired and livable again in XX/XX/XXXX. At that time loan modification paperwork was done to add the months of forbearance payments to the end of the loan. While the modification paperwork was being completed Dietech Finacial placed my loan in delinquent status showing it 120 days late. I started my payments in XXXX of XXXX during the time while waiting on the loan modification to be completed. I was informed that in XX/XX/XXXX that delinquency was an error and that the error would be corrected and that since it was a state of emergency and a natural disaster that the delinquency was a mistake. I have been unable to reach XXXX XXXX as it filed for Bankruptcy and since that time it has closed down and transferred my loan to XXXX. I have also contacted XXXX  on XXXX XX/XX/XXXX to inquire if they could place an investigation into the negative post on my credit report.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I am writing to express my extreme frustration and dissatisfaction with the multiple unsuccessful attempts to remove fraudulent items from my account. Despite my persistent efforts and numerous communications with your institution, these fraudulent entries persist, causing significant distress and financial harm. 

I have diligently followed the procedures outlined by your institution to dispute and request the removal of these fraudulent items. I have provided all necessary documentation, explanations, and evidence to support my case. However, despite my best efforts, the fraudulent items remain unresolved. 

It is deeply troubling to see that despite my repeated attempts and persistence, the fraudulent items continue to negatively impact my account. These fraudulent entries not only affect my financial standing but also raise concerns about the security of my account and potential vulnerabilities to fraudulent activity. 

I have made numerous calls, sent multiple letters, and engaged in extensive correspondence with your institution in an effort to escalate the resolution of this matter. However, the lack of progress and the continued presence of fraudulent items on my account have left me feeling frustrated and disillusioned. 

As a customer, I have the right to expect prompt and effective resolution to any discrepancies or fraudulent activities associated with my account. The repeated failures to address this issue not only violate my rights as a consumer but also reflect poorly on your institution 's commitment to customer service and financial integrity. 

I urge you to take immediate and decisive action to rectify this situation. I request that all fraudulent items be promptly and permanently removed from my account, and that measures be implemented to prevent any recurrence of such fraudulent activity in the future. 

Furthermore, I expect transparent communication throughout the resolution process, including regular updates on the progress made towards resolving this matter. 

Please consider this letter as a formal complaint regarding the handling of the fraudulent items on my account. I am asking for your assisstance to remove these fraud items in my credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-03
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: Resurgent Capital Services L.P. (FL)

XXXX XXXX ( LVNV FUNDING ) HAS Duplicating account information on my credit report 2 of the same debts from the same creditors and the same account first the used webbank/fingerhut to report his debt then again for LVNV FUNDING ( XXXX XXXXXXXX/XXXXXXXX ) this is in direct violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act
Consumer complaint received 2020-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (NY)

Aargon collection agency is trying to collect XXXX dollars for debt incurred in the state of KS. Debt was incurred in 2015 the statute of limitations is 3 years. Account is reporting as delinquent on one of XXXX, XXXX   or XXXX
Consumer complaint received 2020-07-21
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (IN)

I had a previous past due amount that was included in a chapter XXXX mortgage. For approximately a year I tried to bring my mortgage current via XXXX  XXXX XXXX   XXXX. Homepoint Financial kept refusing those payment attempts and then added excessive fees outside of the federal bankruptcy claim amount. We resolved that debt on XX/XX/2020 and current on my mortgage to date. It took 2 federal court orders, and a previous complaint with the CFPB to force Homepoint Financial to accept the payment from the XXXX XXXX XXXX XXXX. Now today XX/XX/2020 I get a phone call from Homepoint Financial demanding a payment of {$5200.00} and when I try to explain that im current, the representative gets aggressive and tells me I owe that amount that the XXXX XXXX XXXX XXXX didn't cover the total amount due. My attorney and the State of Indiana has legal documents that prooves otherwise. We will now be seeking additional legal counsel to file a lawsuit against Homepoint Financial for violating federal court orders, and legal binding documentation regarding the payment from the XXXX   XXXX XXXX XXXX.
Consumer complaint received 2022-04-03
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. (CA)

In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX, Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right 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 2021-07-16
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BMW Financial Services NA, LLC (NC)

BMW of XXXX despite numerous phone calls, emails and such, has neglected there responsibilities in contractual execution of the lease for the BMW XXXX, by NOT providing either Temporary Plates or the NC DMV plates as per the lease contract signed and payment 's collected. 

despite 7 email 's and calls to all dealership team management ( None responded ), there has been no resolution of this fraud and thievery actioned by BMW of XXXX. 
I have paid the correct fee for this service which has NOT been provided, they have my money and have NOT provided said service/item per the signed lease contract Currently i have a vehicle that can not legally be driven in NC state, paying the monthly lease for a vehicle that is sitting in my garage. all this is due to BMW XXXX lack of attempt to resolve / correct there own lack of actions and obvious breakdown of process on there end. this lack of customer service and probably an " Business as usual tactic to steal money from customers should be investigated and probably legal actions need to be brought against BMW of XXXX by the state/federal authorities '' Receiving/taking money for an good or service and willfully NOT providing said service/good is a federal offense and is punishable by LAW!!!
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Why thy refuse my letters I'm not uisng 3rd party I'm the one who send out letters. Please verify all the negative accounts on my credit report. I will attched my dispute letters and ftc report PLEASE DELETE IT ASAP!
Consumer complaint received 2020-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they wasnt able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquires are listed below : TransUnion : XXXX XX/XX/20 XXXX : XX/XX/20