davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN ADVISORS GROUP (TX)

THIS IS NOT A DUPLICATE COMPLAINT! Attached is letter dated XX/XX/2020 received from AAG regarding my complaint. See areas I highlighted. This is now a complaint because AAG doesn't know their business. The knowledge of HUD loan requirements, and should have never unnecessarily pulled credit prior to qualifying property. Step One - Qualify. Step Two - go forward. The first phone call should have been one question ; " Please describe your home ''. 
I am not the pro as AAG advertises to be. And this should have been caught by AAG and not weeks later by an appraiser in the field. 
AAG, yes, I am frustrated my property did not meet HUD loan requirements. Shouldn't AAG know the HUD loan requirements and shouldn't it be qualified before any credit is extended? Why extend credit if property will not meet HUD Loan requirements? 
And AAG CARES Department doesn't care very much by making a smart statement " AAG acknowledges that this is the 4th time you have submitted this complaint to various agencies ''. Perhaps 5 times is required for AAG to understand this. 
The reason for AAG is because I was involved in XXXX fraud and identity theft. I don't need an inquiry on my report that should have never been there in addition to days of wasted time. 
Look at areas highlighted on your attached letter " 3. To a person which it has reason to believe ''. Is AAG a company or person? So who is the person? 
In addition, noting was mentioned about XXXX XXXX. And I call XXXX XXXX and the recording states press ___ number if you want a copy of your credit report. Then a lady gets on who is with XXXX, a sister company of XXXX XXXX and both are part of the XXXX. Now AAG, XXXX XXXX, XXXX, and XXXX all can have access to my personal information. This is totally wrong! Perhaps AAG CARES Department needs to read this again " 3. To a person which it has reason to believe ''. 
I had to fight to get the reimbursement on the appraisal fee and am still waiting months for the final {$120.00}.
Consumer complaint received 2018-12-25
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (NY)

In XX/XX/2017 I took out a car lease with XXXX XXXX at the time I paid for the first two months, I did inform them that the bills need to be sent to my XXXX XXXX . They failed to send the statements to the address they were told to. So I never knew a payment was due. My first indication of something being amiss is when I got a phone call to inform me of the past due balance. At that point I paid the past due balance and reiterated were the statements need to be mailed to. 
VIN # XXXX
Consumer complaint received 2022-08-19
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. (MD)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX XXXX XXXX, XXXX, XXXX Employer : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXXXX/XX/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 XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 Equifax Employer : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It has been brought to my attention that the Credit Bureaus did not just ignored my request for the removal of the disputed items but has continued reporting the disputed items as verified and correct! This is a clear violation of my rights as a consumer! Under the Fair Credit reporting Act section 605b, the Credit Bureaus are required to remove any accounts and information that resulted due to identity theft. However, in my situation, the Credit Bureaus have been ignoring their responsibilities with the Fair Credit Reporting and have claimed that the disputed items are verified without sending me copies of proof of verification. Also, the Credit Bureaus are claiming to have sent me an updated copy of my Credit Report but I tell you, I have received nothing! I am submitting this CFPB Complaint to you today to complain about the Credit Bureaus willful non-compliance with the Federal Statute. With accordance with the Fair Credit Reporting Act section 605b, I am ordering the Credit Reporting Agencies to immediately remove the following fraudulent accounts and information 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 ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$290.00} XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance Owed : {$690.00} 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
Consumer complaint received 2021-07-18
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: CORELOGIC INC (GA)

I have several inquiries on my credit report that were not authorized and are unknown. Ive tried disputing with the companies but I was told to dispute with the credit bureaus. Ive disputed with the credit bureaus several times but XXXX  is the only bureau that removed the inquiries. XXXX  and XXXX  have not removed those inquiries. I have not given my authorization for the inquiries and I do not recognize any of the companies. Ive asked for them to send me written proof of my signature of authorization and they can not provide this information. I would like for these inquiries to be removed from my credit report for all reporting bureaus.
Consumer complaint received 2022-09-22
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. (NJ)

on XX/XX/2022 I have sent certified letters to XXXX, Experian and XXXX regarding my bankruptcy information which was obtained from the XXXX XXXX  XXXX that has violated federal and New Jersey privacy laws. I have obtained a copy of my credit report that clearly shows that all three credit bureaus have different information and different filing dates. I have received correspondence from The XXXX XXXX  XXXX that they do not report or provide information to credit bureaus or agencies. I have sent to the 3 Credit Bureaus an Affidavit of Fact that my private court records have been violated.
Consumer complaint received 2021-07-18
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: Credit Karma (MT)

I was checking my credit karma.com account and saw several addresses on my account in the drop down menu.I contacted Credit Karma.com and asked them to remove the inaccurate/false information from my account.They refused citing/lying that they got/received the inaccurate/false information from the three credit reporting bureaus.This is 100 % false because there are no such addresses on my credit reports as all three credit bureaus have confirmed for me several times but credit karma.com to this day refuses to remove the inaccurate/false information from my credit karma.com account.
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

How are you doing? Why is it taken more than 60-90 days to respond to my student loan investigation? Listen, I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts? I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Consumer complaint received 2022-09-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (PA)

Please see attached and provide the information listed below : 1 ) An explanation of what this alleged account balance is for. 
2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
3 ) Documentation that shows I agreed to pay this debt. 
4 ) The Agreement that grants you authority to collect on this alleged debt. 

Compliance with the request is required under both federal and state law.
Consumer complaint received 2019-09-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency (CA)

I received a bill from XXXX XXXX for about {$2300.00}. I phone the Ambulance company, gave them all my information in hopes of getting help. I also informed them, I had not received any services from their company. I asked them to send documentation of services and any and all signed documents-They could not supply any documentation. I noticed my credit score dropped and to my surprise they referred me to a collection agency. Grant Mercantile place a collection on my file. I disputed the collection with all 3 credit reporting agencies. XXXX  and XXXX were deleted XXXX kept it on. I have disputed this idea twice with XXXX and phoned them. They said it will remain, yet gave me no satisfaction as to how it was verified. I contacted the company asking for proof I received nothing.
Consumer complaint received 2022-07-03
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: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting Act, 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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (MI)

I disputed a fraudulent charge for {$800.00} and was credited a balance credit on XX/XX/2022. There has been no update whatsoever, and they wont tell me whats going on. Goldman Sachs is the issuer and the card is the Apple Card. 

The disputed amount was used with the card numbers in the app. I filed a police report and Goldman Sachs has not responded to anything. This is absurd.
Consumer complaint received 2019-09-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Dyck-O'Neal, Inc. (MI)

Hi I open account with XXXX XXXX in XXXX I had some damaged goods that came in in XXXX that I ordered the company said that they were going to take care of the balance which was XXXX XXXX now about a year ago or less dyke o Neil. Purchase the debt they have negatively impacted my credit by reporting miss information to my credit bureaus I have advised them that this was a clerical error on XXXX XXXX part I tried to call pXXXX XXXX   and resolve it with them they told me they sold off the debt so I called dyke o Neil back They told me I cant send them the damage merchandise which Ive had since XXXX and was told that they were going to issue a credit back in XXXX
Consumer complaint received 2022-07-03
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. (TN)

In accordance with the Fair Credit Reporting Act, 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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Self Financial Inc. (PA)

XXXX XXXX XXXX XXXX with SELF on XX/XX/2022. Closed account on XX/XX/2022 with XXXX balance. Paid administrative fee of {$9.00}. 

During my process of opening credit builder loan, SELF stated that account would be reported to XXXX, XXXX and XXXX credit bureaus at the end of each month including late payments XXXX late. 

As of today account is not reported to XXXX, XXXX and XXXX credit bureaus. 

Had I had a payment of 31-days late, I believed SELF would had reported it to all the credit bureaus as it stated on its website.

I believe since I closed my account early Im being penalized by SELF by account not being reported to Credit Reporting Agencies.
Consumer complaint received 2022-08-19
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: EQUIFAX, INC. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX OF XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$710.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5.00} ; XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-09-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

To whom it May concern ; I file this complaint, because I was a victim of fraud through a store in the XXXX XXXX, which sells the XXXX product, apparently the young woman who sold me the product, used my credit card to continue using it without my authorization and is reflected in my bills of the XXXX Master Card shop your way credit card. Due to fraud I call the customer service and cancel the credit card. I made the complaint, the investigation was done and the fraud staff of shop your way credit card sent me a letter with the solution of my case and " they eliminated the charges, interests, etc. '' The situation now is that the account number of the solution is not the account number of the card where the fraud was made, apart from the company shop your way, they change the number of the card account where the fraud was made, and they put another account number without my authorization, apparently now I have three different accounts and all with my name and address. Every time I call customer service XXXX they tell me that I have three cards when I only had only one, the one I canceled for fraud. It turns out that I sent my payments to this account and they charged me. When they sent me my account statement, I didn't notice that my payment wasn't going down, and I realized that the bill account number is different from the real number of my account. I have so much confusion, and so much trouble with these people from shop your way that now I feel that they are also making me fraud, that's why my complaint. I have not sent any more payments because I feel they are robbing me. I have not seen that they have eliminated any charges, because the account that appears in the solution letter is another account number. I need you to investigate them please, thank you!
Consumer complaint received 2021-07-18
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Statebridge Company (CA)

I was selling my home and my original loan mortgage was transfered from XXXX  to a company called statebridge company LLC who has reputation of mishandling accounts and not responding according to past reviews. During the move and changeover I must have missed a payment date during the move of accounts but once I finally contacted the new company and they responded the balance was paid. Request this negative rating be removed from my credit report 's as soon as possible.
Consumer complaint received 2022-01-26
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. (LA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2021-07-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (NY)

I have argued numerous times that XXXX/Sallie Mae Tuition Answer loan was discharged as part of my 2017 chapter XXXX bankruptcy ( see attached ). They have collected monthly payments since then as part of the charge off, they have been reporting my account as late each month since then to the various credit agencies even though Ive been paying their agreed upon monthly payments. As per a number of recent cases, it has been determined that in fact the Tuition Answer loans were dischargeable. 

The rulings state ( excerpt summary ) : The sole question is whether the student loans constitute an obligation to repay funds received as an educational benefit, since Navient didnt argue that the student loan fell in either the first or third categories. 

The court embarked on an analysis of stautory interpretation of the U.S. Bankruptcy Code to determine the underlying meaning of the operative words in the text. 

The term educational benefit is undefined and potentially vague. The court concluded that the terms should be interpreted in light of its listed companions, suggesting educational benefits means conditional grant payments similar to scholarships and stipends. Since scholarships and stipends generally dont have to be repaid, the plaintiff in this case isnt required to pay these private student loans. 

FURTHER, the below was mentioned : Sallie Mae XXXX XXXX loans are considered non-qualified student loans, which means they are eligible to be XXXX through a bankruptcy. These loans are above the cost of attendance to help students have money to live on while they go to school. 

If you have a Tuition Answer student loan discharged in bankruptcy, but Sallie Mae or its representatives attempt to collect on these same loans after the bankruptcy, those collection attempts could be in violation of federal bankruptcy laws. 

The Fair Debt Collection Practices Act ( FDCPA ) prevents lenders and debt collectors from trying to collect on debts that have been discharged in a bankruptcy.

If you have had a Tuition Answer Student Loan discharged in a bankruptcy, but the debtor or its representatives continue to try to collect that money from you, you could be deserving of compensation for violations of the FDCPA. 

When you file bankruptcy, you are protected by law from the borrowers of the loans that have been discharged. They can not make future attempts to collect on debts that have been discharged. Lenders and debt collectors can be held liable for willful violations of the bankruptcy discharge order if they continue to harass you to collect payment.