davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-20
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: EQUIFAX, INC. (FL)

Hard inquiries that is hurting my credit score. I didnt authorize these companies to run my credit on this date of XXXX XXXX. 

XXXX XXXXXXXX XXXX XXXX inquiry from XXXX XXXX inquiry from XXXX XXXXXXXXXXXX XXXX XXXX inquiry from XXXX XXXX XXXX XXXX inquiry from XXXX XXXX
Consumer complaint received 2021-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (TN)

Every month since XX/XX/2018, I have sent a certified letter to all 3 credit bureaus requesting the information from the creditor Credit Acceptance be removed from my account. In XX/XX/2018, this vehicle was stolen. The company ( Credit Acceptance ) stated they had GAP insurance with my loan and would be taken care of. To date, they are still reporting my loan every month as 120 days past due. I have spoken with the company, the collection agency that now owns the loan, and etc on multiple occasions. NO ONE will help me resolve this matter. This is the only negative thing I have affecting me from purchasing a home. I have tried so many times to get this account resolved and DELETED the inaccurate information of over 30 missed payments from my credit report I have no choice but to file a complaint. This company, the credit bureaus, and the collection agency has EVER followed up with me after I have sent them dispute letters to verify any type of information.
Consumer complaint received 2017-09-20
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Platinum Holdings Group, LLC (WI)

This company did a lot wrong first they call my daughter 's work and scared my daughter. They talked to one of my daughter 's co-worker 's and told her he was a process server and had to serve me papers because I was been sued. Then when I called and told them I do n't owe the debt they kept threatening me at work, Told me if I did not pay right now they were going to sue. When I ask them for paper work they told me they do n't have to give me any. That the debt is in the judgement phase and I got to pay it right now.The company has three names XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. The phone number is XXXX. I never got a loan for here and these people are harassing me and my family. When I looked on the web this looks to be some type of a scam.
Consumer complaint received 2021-10-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

FLAGSTAR BANK CUSTOMER Our problem was revealed to us when we attempted to make a substantial principle payment ( {$400000.00} ) to our mortgage on XX/XX/XXXX, which is a HELOC in first lien position. This loan was established in XXXX of XXXX. Though it wasn't mandatory, which decided to establish an ACH auto payment arrangement from the beginning with the bank for worry-free monthly interest payments . Throughout the life of this loan, we would routinely make significant principle payments such as {$18000.00}, or XXXX, sometimes less. Always AFTER the 1st of the month to accelerate paying down the loan. While our latest and most significant principle payment was being held in suspense, I began to look back through the year of our principle payments in the account. I noted the ACH auto interest payments which occurred as agreed on the XXXX  of each month. But later on in the month, when we would make our principle payments, the bank was taking early payments of interest and thereby systematically diminishing the affect of our principle payments. There is no escrow account. We pay all other costs, eg insurance, taxes, etc ourselves. The bank acted outside of the ACH agreement and never informed us that it would do so. I would never have made unnecessary or early interest payments to the bank knowingly. I have demanded that the bank return every payment of interest that it took outside of the ACH agreement ( those payments it took before or after the XXXX of each month ) and return that money to us by applying to the principle balance as we had intended. I have been spending long period of time on hold and speaking to dozens of unhelpful people for days now. I have gotten quite the run around. My contact person last said the bank may be willing to go back 90 days. This is unacceptable. It's theft.
Consumer complaint received 2020-12-02
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7800.00}. 
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 ACCOUNT 1. XXXX XXXXXX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXXX/XX/XXXXwith a balance of {$7800.00} -This is not my account.
Consumer complaint received 2020-12-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (SC)

Hunter Warfield account # XXXX is reporting a fraudulent account to credit bureaus that is not mine. I am a victim of identity theft and I notified the credit bureaus of such by filing a dispute and submitting the documents attached in this complaint. I will use every legal remedy if this fraudulent account is not removed from my account.
Consumer complaint received 2017-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I have credit inquiries from XXXX and Experian that are fraud. I had a similar problem earlier this year each bureau should have a police report and fraud affidavit on file the following were not made by me. These are all Fraud.

1.XXXX XXXX 2 . XXXX XXXX XXXX 3. XXXX XXXX 4.XXXX XXXX 5.XXXX
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

LAST XX/XX/2021 I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I ALSO FILLED A 30-DAY DEMAND AND 60-DAY DEMAND TO COMPLY BUT I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 99 DAYS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2021-10-19
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)

I noticed that TransUnion is reporting one inaccurate negative item in my account on XXXX XXXX, two inaccurate negatives on XXXX, and one inaccurate negative on XXXX XXXX. The four negative accounts are showing that I have a chargeoff account that has a balance on it. This is completely inaccurate. I already contacted the Credit Bureau and the Creditor regarding it but they did not give a response on this particular matter. I need your help on this matter
Consumer complaint received 2020-06-04
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. (TN)

Equifax did not properly investigate my XXXX account. It is saying I was late. I was never late. 

Equifax did not properly investigate my XXXX account. It is closed and still showing on my credit report. 

Equifax did not properly investigate my XXXX XXXX XXXX account. It is closed and still showing on my credit report. 

Equifax did not properly investigate my XXXX account. It is closed and still showing on my credit report. 

Equifax did not properly investigate my Dept of EdXXXX. It is closed and still showing on my credit report duplicate accounts. 

Equifax did not properly investigate my XXXX account. It is closed and still showing on my credit report. 

Equifax did not properly investigate my XXXX XXXX account. It is closed and still showing on my credit report. 

Equifax did not properly investigate my XXXX account. It is closed and still showing on my credit report. 

Equifax did not properly investigate my XXXX Account. It is closed and still showing on my credit report. 

Equifax did not properly investigate my XXXX XXXX  account. It is closed and still showing on my credit report. 

Equifax did not properly investigate my XXXX XXXX XXXX account. It is closed and still showing on my credit report. 

Equifax did not properly investigate my XXXX account. It is closed and still showing my credit report, Equifax did properly investigate my XXXX XXXX account. It is closed and still showing on my credit report duplicate accounts. 

Equifax did not properly investigate my collections accounts. 

Equifax did not properly investigate my XXXX account. I never had a account with them. 

Equifax did not properly investigate my Chapter XXXX account. I never had a Chapter XXXX account.
Consumer complaint received 2020-12-01
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)

I submitted a dispute to all 3 credit bureaus ( XXXX, XXXX and Equifax ) on or about XXXX. As of today I have not received any response from Equifax and although I did receive a response from XXXX and TXXXX, they did not resolve the fraudulent issues on my credit report. 
Equifax completely failed to respond in a timely manner to my dispute requests, whereas XXXX and XXXX just failed to properly investigate my accounts. I have attached a copy of my Identity Theft Affidavit and my Police Report for reference. 
I am demanding the bureaus comply with Federal Law and immediately remove the disputed information from my credit report as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( c ) and 605B.
Consumer complaint received 2017-12-14
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: AMERICAN ADVISORS GROUP (CA)

/ On XXXX/XXXX/XXXX asked my banker { XXXX XXXX } to help me get a " payoff instruction '' from XXXX. After many minutes of phone frustration finally got to a recording allowing a voicemail where we could request a return call from them. NO LUCK. NO RETURN CALL.
Consumer complaint received 2021-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I requested that Transunion provide me with the method that they used to verify two accounts on the credit file they maintained on me. They fail to do so. They sent a letter saying that the one items was verified and completely failed to say anything regarding the second item. Their response did not address what I asked for in my letter
Consumer complaint received 2020-09-01
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I would like to submit this complaint on the Mortgage lender USAA. I was preapproved for a home loan and this company end up denying the loan 2 weeks after my deadline to have final approval. The company was aware of every deadline I had but disregarded my several attempts to make them aware that we needed a decision by a certain date ( or I would lose XXXX of my earnest money ) and I spent over XXXX in inspection fees, appraisal feees, etc. The companies major problem came from giving me 2 loan officers to work with then gave 4 different loan processors to work with.Having all these different people caused an issue because we could never get any thing accomplished in timely manner and they would repeatably as me for duplicate information. Additionally, ever person they assigned to handle my loan would literally work once or twice a week then have an " out of office '' notification set up if you tried to contact them.They kept asking me for several documents that I would provide with in an hour of them asking for them, then they would take a 1 week or longer to update me on anything so in the end they caused me to loss my money, future home, and wasted the sellers time. There final decision was that the loan was denied because my DTI was 45 % and I needed 43 % to qualify which didn't make sense because we went over this when I was preapproved plus if that was going to be the case ... why take so long to tell me this information ( USAA knew my earnest money was on the line ) So to be exact there incompetence cause me to loss over  3k and not close on my house. As an XXXX American veteran I just believe this company is a disgrace and should not state the claim as being supportive of veterans.Thank you for your time.
Consumer complaint received 2020-11-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (PA)

I was under a forbearance for 6 months with a company called Specialized Loan Servicing XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CO. XXXX Back in XXXX I filled out documents requesting Loan Modification in Covid related for two months now the company received all my paperwork. I done this because we were getting our jobs back and could start making payments but could not afford to pay back payment all at once. 
I been told that they are awaiting signature from investor. I have been told this for months now I fear they will will not approve a loan modification and drag this out until end of XXXX when the protection is over and then plan to a foreclosure. I have contacted them several times and been told they awaiting Investor review. 
XXXX XXXX
Consumer complaint received 2023-04-01
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: AMERICAN EXPRESS COMPANY (IL)

Someone tried to open American Express credit cards under my name and my wifes name on or around XX/XX/XXXX XXXX We did not try to open these accounts. We informed American Express and they have marked the applications as fraudulent.
Consumer complaint received 2020-09-01
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)

THESE ACCOUNTS THAT ARE LISTED ARE FRAUDULENT SOMEONE USE MY IDENTITY TO OPEN FRAUDULENT ACCOUNTS WITHOUT MY KNOWLEDGE I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2023-04-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST NATIONAL BANK OF OMAHA (TX)

I opened a new checking and savings account with FNBO on XX/XX/XXXX  using a promotion code that qualified me for account opening bonuses for both products. After meeting the requirements for these bonuses, FNBO failed to honor the terms of the account opening agreement.
Consumer complaint received 2021-10-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

Company refuses to stay in compliance with governor XXXX XXXX executive order banning any report of negative information to credit bureaus. This company has late payments on my credit report they refused to remove that cost me a {$400000.00} mortgage approval that got denied along with over a {$3000.00} a month XXXX House bill. I currently have four different attorneys reviewing this case that all the assured me that this is 100 % illegal and Im giving this company one last chance to update my credit report to stay in compliance with the executive order. This is abuse and they know it, this is a game to them but its about to end now and one hell of a legal battle. Not to mention they are reporting that my monthly payment is over {$900.00} per month. They know that my payment is {$450.00} per month. They have been abusing my credit utilization by not reporting my balance and also reporting a high monthly payment that they know is inaccurate because they are trying to harass and abuse my credit report.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OR)

Experian was reporting XXXX inquires on my consumer report of accounts that I did not benefit from and that I was not the account holder of. Under 15 USC 1602 ( p ), unauthorized use of credit is when a person uses a cardholders credit and receives no benefits from the use. That is what happened here. These inquires are receipts of a consumer transaction of which I did not receive any benefits from the use of my credit.
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: John C. Heath, Attorney at Law, PLLC (NM)

We signed up with Lexington Law and to help us fix our credit and they said we could cancel the service at any time. They took money directly out of our account to fix the credit, which they never paid off any debt or fixed anything on our credit. We have tried many times to cancel this and now they are harrassing us with phone calls, three times a day at minimum and refusing to cancel our service. What do we do to get them to stop this harrassment and to cancel this service. They advertise that they help you, but all they do is take your money and do nothing for your credit.
Consumer complaint received 2017-12-14
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: A.R.M. Solutions, Inc. (TX)

I am receiving a call regarding a Pest debt of {$130.00} ( approx ). I do not have a debt with this Pest Company. I have repeatedly informed the Debt collection company XXXX  and also confirmed with this Pest Company. I have also contacted all credit bureaus to ensure I do not have any negative impact on my credit. I DO NOT HAVE THIS DEBT. I am unsure how to make them stop. But they are harassing me. 
Last call was XXXX at XXXX. I informed them thank you for calling but there is a misunderstanding and I do not have a debt. They got rude and hung up the phone. 
I contacted the pest company explaining. Response : " You do not have a debt, we are sorry let me try to have a manager call and get this removed '' NOTHING gets removed. Nothing happens.
Consumer complaint received 2020-12-01
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)

On XX/XX/2020 I sent documentations to the Bureaus for unknown and inaccurate accounts on my report its over 30 Days today but I didn't received any response. I was a victim of XXXX Data Breach. I demand to deleted those accounts or I will file a litigation.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Premium Credit Bureau (GA)

Hello, On XX/XX/XXXX I submitted a complaint based on Premium Credit Bureau pulling an authorized hard inquiry on my credit report. XX/XX/XXXX they responded confirming that within 60 days the hard inquiry will be suppressed. 

It's been 323 days and the unauthorized hard inquiry is still on my credit report. See page 28 of my XX/XX/XXXX XXXX Credit Report attached.
Consumer complaint received 2021-04-11
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: Resurgent Capital Services L.P. (CT)

Lvnv Funding LLC has been reporting an account on my credit report in the amount of XXXX. The collection has been reported as a charge off. When I research this company it also comes up at Resurgent Correspondence at XXXX XXXX  XXXX XXXX, SC XXXX. I have never done business with either of these companies and the company does not have a contract with my signature.
Consumer complaint received 2021-04-11
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. (AZ)

I have sent 2 dispute letters to each bureau, EQUIFAX, XXXX, XXXX. Both have had very little results and am very confused why these reporting agencies arent honoring my identity theft claims. I have sent each letter with proof of ID ( DL, SSN CARD, Utility Bill and FTC REPORT ).
Consumer complaint received 2017-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

These accounts are not mine I recently had identity theft and submitted a fraud affidavit to all 3 bureaus. these accounts are not mine. 
1.XXXX XXXX 2 . XXXX XXXX. 
3. XXXX