davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX/XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXXL Inquiry : XXXX XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2021-05-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (NV)

I moved to XXXX XXXX with a transfer to a new job location. Covid19 came and I have been out of work since. I have not been looking for work consistently and I need my credit to be in decent standing for the jobs I am applying for.
Consumer complaint received 2019-03-13
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (FL)

This complaint is regarding account XXXX XXXX XXXX, which you claim I opened a credit account on XX/XX/2018 for {$350.00}. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX   and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company.
Consumer complaint received 2022-10-13
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: TD BANK US HOLDING COMPANY (MI)

This company is currently showing XXXX days late in XXXX XXXX XXXX days in XXXX, XXXX  days in XXXX and XXXX days in XX/XX/2021. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 
See below account for proper implementation. 
XXXX  XXXX XXXX Balance : {$110.00}
Consumer complaint received 2022-10-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (CT)

On or about XX/XX/XXXX TDAUTO Finance was sent a contract by way of Certified mail, the negotiable instrument contract stated " I accept your offer in the amount of {$19000.00} for valuable consideration and tender this payment for the complete amount in accord and satisfaction upon redeeming this instrument ''. TDAUTO Finance redeemed the the instrument on or about XX/XX/XXXX. TDAUTO Finance has not honored the contract and continues to harass and Tarnish the credit of the allege XXXX On or about XX/XX/XXXX TD Auto had a unlawful, un peaceful repossession of the allege debtors vehicle. TD is currently extorting allege XXXX fraudulently
Consumer complaint received 2022-04-28
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

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

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat late payment on a credit card account under d open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-07-24
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. (NC)

This is my third request to get the reporting correct on my credit file. My next step if this does not get corrected will be to hire an attorney to try and get this fixed. 

Document attached will show all details of what is going on. Numerous documents attached. 

XXXX XXXX - entered into a forbearance plan on XX/XX/2019 - document is attached. Payment of {$130.00} has been paid on time since XXXX of XXXX but they continued to report payment late to credit agency. Document showing all payments attached. 

Filed a complaint with you on XXXX XXXX on reporting late. Document attached showing they were suppose to fix it. XXXX XX/XX/XXXX and XX/XX/XXXX. Another document attached showing Experian reporting it 180 days late as of this month. 

Document from XXXX XXXX website showing I am 30 plus days late. 
Loan modification showing I am approved for this beginning XX/XX/XXXX - I paid the XXXX payment on payment agreement of {$130.00} forbearance plan- document enclosed. I have also scheduled the modication payment scheduled for XX/XX/XXXX for full amount. With all that is going on with XXXX XXXX and mortgages - I want to make sure my account is updated and credit reporting is correct and NOT reported 180 days late as it has adversely effected my credit. I believe they are trying to make me lose my house at this point - you can not get through to them by phone to fix and it is like someone keeps going into my account and changing things so I am always appearing late on payment. Please help before I take this to an attorney to fix or sue them.
Consumer complaint received 2019-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

Today XX/XX/XXXX I called regarding a decrease in a disbursement that was made back in XX/XX/XXXX. I was told that I wont see the credit or any deductions on my account because its a small amount of {$180.00}. They scam me out of my {$180.00} and I feel helpless. I dont know what to do. They were really rude on the phone and even hanged up on me.
Consumer complaint received 2021-05-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC (GA)

At my closing, I was presented with closing documents that were different from those sent to me. The closing cost was more than {$500.00} more than what was quoted to me. When I questioned this the lawyer said that if I didnt sign the document stating that I had received the document in advance we could not close. Both the attorney and I attempted to call the closing agent, the loan officer XXXX XXXX and his manager at Cross Country Mortgage. None of them answered or returned the call. I was charged for insurance fees which were never discussed and not owed. I was only at closing advised of the relationship between Cross Country and the law firm. I was never provided with the names of other options until Closing. I have repeatedly contacted the insurance company, but they have not received the funds. I have contacted the XXXX Law Firm 5 times each a month apart. They state the they have only collected what Cross Country told them to collect. They say they have to contact Cross Country but they never get back with me. 
I am very concerned that Cross Country practices deceptive practices saying they cant schedule closing in advance ( cant even give 7 days notice? XXXX, they ask that I sign documents stating that I received documents in advance when I in fact was not given the document, they are misrepresenting fees to get customers to use their companies and finally they are collecting fees that are not owed and then not refunding them.
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

There are several items reporting on my credit file as a result of identity theft. The following items are not mine : Names : XXXX Names : XXXX XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX  - Bal : {$0.00} ( Equifax and XXXX  ) XXXX - XXXX XXXX XXXX  - Bal : {$1300.00} ( XXXX, XXXX, Equifax ) UNKNOWN - XXXX - BAL : {$75.00} ( Equifax ) XXXX XXXX - Bal : {$1000.00} ( Equifax ) XXXX XXXX - Bal : {$0.00} ( XXXX and Equifax ) The following late status is incorrect. Please remove the following inaccurate late reporting from the following accounts : XXXX XXXX - I was never 30, 60, 90, 120 days late XXXX  - I was never 30 days late Unauthorized Inquiries : 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 2019-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Transunion has failed to updated my XXXX wireless account. Month after Month they continue to mark my account as " settlement '', not paid in full and FP  ( failure to pay ). This is, despite being directly notified by XXXX themselves. Please see the attached letter from XXXX. 

I find it mind boggling that as a working person I would need to go to this extreme level in order to get information corrected on my credit report. It isn't the first time with Transunion. What will it take for them to change their ways?
Consumer complaint received 2017-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (FL)

AFNI has reported a debt on my credit reports in the amount of {$720.00}. This debt has been disputed and was NOT Validated as my debt. AFNI also is NOT able to collect a debt in the State of Florida. This is a violation of the FCRA.
Consumer complaint received 2021-10-26
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: Flagstar Bank, N.A. (FL)

This is Flagstar Bank. Flagstar Bank has now reported me late payment twice now for XXXX and XXXX. I have made every payment on time. My problem is in XXXX, my boat has been up for sale and actually sold today, however the XXXX payment went through the cracks because my wife had major XXXX for her XXXX that she had and also I did not think I had to make the payment as my boat was up for sale and the loan would be made whole. I did make the XXXX payment on XX/XX/XXXX and made the XXXX payment on the XXXX. I apologize for making the XXXX payment late however I have a lot going on and my boat was up for sale as well but I did make the payment. I reached out and made a dispute with XXXX XXXX in which was denied by Flagstar. I called Flagstar and spoke with a supervisor who was very rude and was not able to assist me, I asked to speak to someone above him in which he said there was no one else I could speak to and said Im here all day and hung up on me. I would like to file a complaint against Flagstar Bank as they have negatively affected my credit score. I am asking that because I have made all my payments on time throughout the course of having my boat I ask for this to be resolved with my credit score and the late payments to be taking off my credit. My credit is very important to me and I have shown to have excellent payment history. Also Flagstar will also be made whole in their loan as my boat has just sold today. I would like to speak to someone about this further ( XXXX ) XXXX. I would like this resolved ASAP. Thank you.
Consumer complaint received 2021-10-26
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. (GA)

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, Equifax and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX  XXXX XX/XX/XXXX $ {$4000.00} XXXX/XXXX  XX/XX/XXXX {$1700.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX {$540.00} XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$2800.00} XXXX XXXX XXXX XX/XX/XXXX {$800.00} XXXX XXXX  XX/XX/XXXX {$230.00} XXXX  XXXX XXXX XX/XX/XXXX {$1400.00} Hard Inquiries XXXX  XXXX  XX/XX/XXXX
Consumer complaint received 2019-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (TX)

Hello, I recently opened an Amex Blue Preferred cash back card, which offers cash back on a percentage of cash purchases. I have, however, received at least three different explanations regarding when I will be able to see whether certain purchases are eligible for cash back rewards. As is typical with cash-back cards, credit card companies will offer cash back only when merchants code the purchases in a particular way. Some merchants are affiliates, vendors, or licensees who do not code purchases as consumers might expect, the result being that no points/cash is awarded the buyer. Because of the ambiguity, I have diligently monitored my Amex account to see whether my purchases will earn the proper rewards. I can not, however, see whether the cash back will be earned as I expect. I have spoken to several Amex phone agents and received different explanations as to how/when I will earn my rewards and when I might see them. I spent an hour on the phone speaking with Amex agents/management, explaining my concerns and expressing my disbelief that under the circumstances they are nonetheless demanding I pay a {$95.00} annual fee. While I am ordinarily not averse to paying such a fee, I am averse to paying a fee for a card I may not want to keep. The only way I will keep the card is if it is worth it to me, in terms of cash back earned. Because I can not know the amount of cash back earned until I actually PAY my first statement, I may be stuck paying an annual fee for a card that is of no real use to me personally. Today, I spoke with an agent ( XXXX ), a supervisor ( XXXX ), and a manager ( XXXX # XXXX ). None of them seemed to adequately consider my position ; that is, that I dont want to pay an annual fee for a credit card that does not benefit me. Yet, they all told me that the annual fee can not be waived. XXXX did agree to look into it, but I have little confidence that will happen. In short, it seems Amex expects consumers will pay an annual fee BEFORE they know whether the card benefits them in the way the average consumer might expect -- rewards on purchases. Amexs practice appears like a BAIT AND SWITCH, and I hope you will help me resolve this matter. 
Thank you very much. 
XXXX XXXX
Consumer complaint received 2018-02-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BB&T CORPORATION (TX)

I have already reported XXXX as unauthorized. On XX/XX/2018, a new charge came through again on my account after they reversed the charge from 2 weeks ago they resubmitted it again and the bank processed the charge. Again, I have asked them to reissue me a new account and have not heard anything. I also complained about XXXX deducting from my account and told that it would be reversed and have not heard anything but was accessed ( 2 ) OD charges in the amount of {$72.00}. This to me is unfair and unfortunate on my behalf. I need this credited back into my account and no further XXXX or XXXX transactions honored.
Consumer complaint received 2019-08-21
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. (UT)

XXXX XXXX # XXXX is reporting a collection on my account that does not belong to me. I have not gone to any medical recently and not during the time that this is reporting, nor did I get anything sent to me indicating this could be mine. I do not owe this debt, the collection is not mine.
Consumer complaint received 2023-02-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

I reached out to Rocket Mortgage in XX/XX/2023 to apply for a Home Equity Line of Credit. I spoke with XXXX about the options. He indicated to me that he had to put our application on as a 1st FHA loan so that the appraisal can cover any other loan type we were looking for. He went over fixed rate 2nds could also be a possibility. Then once they reviewed the application they required us to pay of nearly {$10000.00} worth of 0 % debt to get our scores and ratios where they needed to be to complete the loan. THEN after 3 weeks of doing EVERYTHING they asked of us they decided to disclose that they do not offer Home Equity Lines of Credit. If they would have indicated that to us in the beginning we would not have had 2 hard credit pulls nor would we have paid off {$10000.00} in ZERO PERCENT debts. This company lied, misled, miscommunicated and did not disclose truthful information.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

RE : XXXX XXXX XXXX ( Account # : XXXX ) I am writing to formally dispute a billing error on my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). After reviewing my credit report, I noticed billing entries that I did not recognize, which have adversely affected my credit score and financial standing. 

Violation of 15 USC 1681, Section 602 ( FCRA ) : The incorrect billing entries on my credit report do not reflect the accuracy and fairness mandated by this law. 

Violation of 15 USC 1681, Section 604 ( a ) ( FCRA ) : A consumer reporting agency may furnish a consumer report only under circumstances that are strictly authorized, which include the consumer 's explicit consent or a legitimate need for the information in connection with a credit transaction. 

Violation of 15 USC 1666b ( TILA ) : The billing error on my account has not been addressed in a timely or satisfactory manner, despite my attempts to resolve this issue directly with the creditor. This lack of action on their part constitutes a violation of my rights under TILA. 

In light of these violations, I am requesting the following actions : Immediate investigation and removal of this account from my credit report. 
Correction of the billing errors and an updated statement reflecting these changes. 
Written confirmation of the removal of and correction of the billing error. 

I expect a response within the statutory timeframe of 30 days upon receipt of this letter, as mandated by the FCRA. Failure to comply with these regulations will leave me no choice but to take further legal action to protect my rights. 

Thank you for your prompt attention to this matter. I look forward to your swift response and resolution of these issues. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-08-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (NC)

Wages being garnished because of no payments. Tried many times to set up an affordable payment plan. Couldn't connect with NELNET services on line or phone. I sent letters trying to get lower payments or forgiveness and tried to reach out to other services for information. Unfortunately it's difficult to determine which is real versus a scam to get personal information. The school I attended lost it's credibility and now my degree is worthless so I feel like give them money back is a ripoff.
Consumer complaint received 2020-01-22
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. (WA)

Experian is refusing to block fraudulent tradelines appearing on my credit report in violation if FCRA 605 ( b  ). I have sent the required documents as described in the aforementioned law, Experian has no evidence to refuse a block under said law, and and it has been longer than the 4 day time-frame in which a block is required to be implemented by law. Experian is now in willful noncompliance with the FCRA and is subject to the penalties described in 15 U.S.C. 1681n. 

It is shocking and appalling that a supposed reputable company operating within the United States would conduct itself in an overtly illegal manner as if it were not bound by federal law. Experian must block the fraudulent accounts that appear on my credit report lest they wish to face a lawsuit.
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX XXXX XXXX  and may have gotten into the wrong hands.