davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Company reported my loan XXXX XXXX XXXX XXXX loan XXXX, when 30 days delinquent when i have made payments on time and informed immediately about Covid-19 impact. XXXX is practicing predatory lending practices ... i trusted them to use their credit builder loan to help me it is destroying my credit at a crucial time. I have made payments on time. XXXX XXXX is causing irreparable harm to my Experian credit report by falsely and fraudulently reporting my loan as 30 days delinquent..When i have making payments on time! I have sent screenshots that show my loan is current. They are destroying my progress. I trusted XXXX.
Consumer complaint received 2020-08-20
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. (AL)

I was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatoiy items on my credit histoiy. I then decided to pull my credit and I noticed several unknown items. 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. I have contacted the FTC and my local police and I am doing this on my own. 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. Please remove these fraudulent accounts from my report. Thank you.
Consumer complaint received 2022-01-04
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Fay Servicing, LLC (MI)

Fay Servicing is a new debt collector where my loan is now in there hands as of XX/XX/21. Previously XXXX was mortgagee. The situation has gotten from bad to worst because these " So Called Investors '' want to take my home so they hire people like this. I am doing all I can to try and save my home. 

I am so afraid because the reviews are so bad on this place, I could not even file a Better Business Complaint because they were overwhelmed. I am going to complain to the Attorney General as well because i am concerned about their unreasonable fee schedule. 

I have been trying to talk to someone on my loan on a weekly basis since XX/XX/21. I was assigned an account manager by the name of XXXX XXXX. She NEVER returned my called it is imperative because I am trying to get my loan current now ( meaning XXXX ). I need a human to speak to in a position of authority. The representatives I have talking to are rude and nasty. XXXX gentleman in particular, went off on me on the phone when I asked about the difference in payment for XXXX, where it looks like they are charging me on the there statement and the XXXX  payment for XXXX is lower. When I asked him he said they would be doing their own analysis and my payment would probably change. This is a scam because I was told when everything transferred over it would mirror the same. This issue needs to be looked in to. I just talked to someone by the name of XXXX XXXX who claimed he would assist me. He also stated there would be no fee if I paid over the phone. I emailed him and yet to receive a response. 

I just had a XXXX XXXX and can not take all of this pressure. I need someone who take there job seriously. I want to make a payment on my loan at the end of the month and there is no option online for me to do it. Also, I had no late charges with XXXX because I had an arrangement to get it caught up. I ask for help in this matter as time is of the essence.
Consumer complaint received 2020-08-20
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: Experian Information Solutions Inc. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Texas XXXX SSN : XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX Dear Experian XXXX XXXX, This letter is a formal request to remove unauthorized inquiries from my credit report. I havent applied for credit because I know my credit is not good due to false and wrong information on my report. I have also never had an account with you. 

XXXX XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Please note that before making this request, I sent letters to the organizations responsible for these inquires asking them to remove their unauthorized inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter. 
In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 
Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at ( XXXX ). 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-01-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (GA)

I am hired as Jr. Payment Assistant by the company XXXX XXXX XXXX XXXX XXXX in Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX Document Number : XXXX, FEI/EIN Number ). 
My direct Manager 's name is XXXX. 

My daily task is or are : once the company deposed money or transferred money to my Wellsfargo account, I do have right to the gas and 4 % as commission for all transactions. I have to depose the money to a different location of the Bitcoin machine. Once the client 's money is deposed, I have to take a screenshot or receipt and send it to my manager. 

On XX/XX/2022, in the morning around XXXX am, I received an email from Wellsfargo informing me that my account is closed due to XXXX or more unauthorized transactions from my employer. 

On XX/XX/2022, I didn't have anymore a dollars for my company in my bank because I sent out all money for the company 's clients. However, I still have my own money ( {$2300.00} ) which Wellsfargo blocks. 

The money is my account is my money to pay my rent, utility bills and expenses for my children including my XXXX daughter. I went to the bank branch at XXXX close to the mall of Georgia, and the bank refused to open my account. 

My rent is due today including my car loan and other bills. Due to the Wellsfargo action, I will not be capable of providing financial assistance to my family, buying food, pay my bills, also, my landlord will not renew my lease which ends next month due to the unpaid rent. I have emailed all documents I do have to the bank to prove that the company i real and also I am working for the company, but wellsfargo still bocking my bank account causing me and my family emotional distress and risk to file bankruptcy. 

By filing this complaint, I really want your assistance regarding this issue. 

Please, help! 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (MS)

I received a letter along with a debit card that is linked to a Wells Fargo account ( account # ending in XXXX ) that I never signed up for. I know that Wells Fargo has done this in the past ( signed people up for accounts without their knowledge ), so I wanted to let you know that they are doing it again. I am going to call Wells Fargo to cancel the account after I am finished filing this complaint.
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC (WI)

Two collection accounts are reporting as 'Open '. The accounts should be reported as closed as of the last payment date. 

BOTH : National Credit Adjusters XXXX XXXX ( 12* ) : Last pay date XX/XX/XXXX, account balance {$0.00} XXXX  ( XXXX ) : Last pay date XX/XX/XXXX, account balance {$0.00} I have disputed this incorrect reporting with XXXX  on two different occasions : XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX Both disputes were closed as 'being reported correctly '.
Consumer complaint received 2020-08-20
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

I had an FHA loan with XXXX XXXX. I went through a Loss Mitigation claim and won, and my loan was refinanced and recorded in the court in XX/XX/2019. That same month, the loan was acquired by Lakeview Loan Servicing. It has taken XXXX XXXX over 6 months to get my loan information over to Lakeview, and now Lakeview has taken 3 months to update my account. In the meantime, I have made every payment since XX/XX/2019 to Lakeview in accordance with the refinanced loan agreement. Lakeview has reported me to the credit bureau as delinquent which significantly dropped by credit. That domino effect caused by other credit accounts to drop my limit which again dropped my credit because it makes it seem like I'm utilizing more of my credit than I really was. Lakeview also misapplied all payments made since XXXX. No one can give me an answer, no one can give me a timeline of when it will all be fixed, I just keep having to pay for it and receiving daily phone calls from Lakeview saying I am delinquent on my loan. I call them every two weeks and never get a resolution. I am ready to speak with an attorney for these lenders ruining my credit and my life.
Consumer complaint received 2020-08-20
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. (GA)

I got my credit pulled due to a bill I received in the mail. I have never heard from the place before. I suspected identity theft. When I looked at my report I was taken by surprise on a couple of derogatory items that I've never opened. These things listed on my applications a.re not mine. XXXX XXXXXXXX XXXX XXXX DEPTEDXXXX. US DEPT ED, XXXX. I have contacted the FTC and my local police and I am doing this all alone. Please remove these unknown items from my report. US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (NY)

I recently received an alert that Macys/Citi performed a hard inquiry on my credit. I've never authorized Macy 's to pull my credit and refuse their offers for an in-store card everytime I purchase something there. I have enough cards and know their is no real value to their cards. I'm demanding verification that I am in fact the person that requested this and an update from the location it came from to verify it's validity or fraudulence.
Consumer complaint received 2020-08-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (NY)

I have been requesting verification of the debt from ERC for over 2 years. To this date I have yet to receive verification or any proof I owe this debt to them. They simply ignore my requests. This has affected my ability to get an apartment, find a job and has increased my car insurance in the past.
Consumer complaint received 2021-01-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

Bankruptcy # XXXX XXXX XXXX XXXX XXXX XXXX XXXX #
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Credit Karma (OH)

On or about XXXX of 2021 The company XXXX XXXX advertised that I was pre approved for a few credit Cards and personal loans. Upon applying for these cards and loans I learned that I was not approved on either the credit card and a personal loan. My credit was at a XXXX on XXXX and a XXXX on XXXX. It caused me a few false hard inquiries and punitive damage because I was later turned down for a house and vehicle because of the false claims of being pre approved and false number on a XXXX XXXX. I demand monetary remedy for this claim of mine. Please assist me in this monetary remedy. Thank you.
Consumer complaint received 2022-02-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Please DELETE the Inaccurately Reported Personal Information listed below! 
DELETE - XXXX XXXX XXXX DELETE - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX DELETE - XXXX XXXX XXXX XXXX XXXX IL XXXX DELETE - XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX DELETE XXXX XXXX XXXX XXXX XXXX  XXXX XXXX IL XXXX DELETE - XXXX XXXX XXXX DELETE XXXX XXXX DELETE - XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX DELETE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX DELETE XXXX XXXX XXXX  ON XX/XX/XXXX DELETE - XXXX XXXX  ON XX/XX/XXXX DELETE - XXXX XXXX ON XX/XX/XXXX DELETE - XXXX ON XX/XX/XXXX DELETE XXXX XXXX  ON XX/XX/XXXX DELETE - XXXX XXXXXXXX XXXX  ON XX/XX/XXXX DELETE - XXXX  XXXX XXXX ON XX/XX/XXXX DELETE - XXXX  DELETE - XXXX  DELETE - XXXX  DELETE - XXXX  DELETE - XXXX  DELETE - XXXX  DELETE - XXXX  DELETE - XXXX  DELETE - XXXX XXXX DELETE - XXXX XXXX DELETE - XXXX XXXX DELETE - XXXX XXXX DELETE - XXXX XXXX DELETE - XXXX XXXX DELETE - XXXX XXXX DELETE - XXXX XXXX DELETE - XXXX XXXX DELETE - XXXX  DELETE - XXXX XXXX DELETE - XXXX  XXXX XXXX DELETE - XXXX  DELETE - XXXX XXXX DELETE - XXXX XXXX XXXX  DELETE - XXXX XXXX-REPORTED DELETE - XXXX XXXX  DELETE - XXXX XXXX DELETE - XXXX XXXX XXXXY XXXX DELETE - XXXX XXXX XXXX-XXXX
Consumer complaint received 2022-01-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: Upgrade, Inc. (VA)

In XXXX I filed a chapter XXXX bankruptcy. I applied for a loan with Upgrade XXXX  include XXXX XXXX. I was initially given a line of credit in XX/XX/XXXX of {$5000.00}. I was given another card in XX/XX/XXXX of {$2000.00} which was reduce to {$1600.00} plus. Due to the pandemic and having to help family members who lost their jobs and were evicted. I have not been able to pay the cards as I did before. I would pay at least {$1000.00} or more on my accounts but never the minimum amount. 

I am a service-connected disable veteran, and all my income is for XXXX from both XXXX and XXXX Department of XXXX XXXX Now that I paid less than what I was paying, both credit lines were reduced. However, when I did pay {$670.00} on XXXX account Upgrade took the money and then locked my account. Then a third loan was created for the amount of the decrease credit line which is charging {$440.00} at an interest rate of 29.49 % and a finance charge of {$140.00} making that loan total {$590.00} and setting up payments of {$24.00} for XXXX payment each month. Which means in addition to the XXXX cards I already have. 

The account with the {$5000.00} was reduced to {$4700.00} and now I wanting to know if Upgrade will set up another account and not tell me like above. 

During a pandemic when people have lost jobs and homes and lives this company is trying to capitalize off people who are having difficult trying to pay the bills. 

Because Upgrade allowed the payment of {$670.00} to be applied to the loan and then blocked the account and I set here with {$10.00} to my name because I had to help my daughter and XXXX children from being XXXX. Because I have many medical conditions the children could not stay. So I got and apartment for them and had to pay money to help. 

How are they going to use the bankruptcy against me when both lines of credit were issued after the bankruptcy and the credit agencies are assisting financial entities to reduce credit limits and then Upgrade create additional loans. 

Looking over the account it looks like this has been done several times and I am just learning about it. I can not believe this is being done to this account now.
Consumer complaint received 2020-08-20
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (SC)

My loan was transferred from XXXX XXXX to Shellpoint Mortgage. This transfer took place at approximately XX/XX/XXXX. My payment was made to XXXX XXXX  on XX/XX/XXXX. XXXX applied the escrow portion to my escrow account. They then transferred the XXXX XXXX XXXX  to Shell Point. I have provided multiple bank statements and previous mortgage statements showing this.
Consumer complaint received 2020-08-20
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)

The accounts listed below are appearing on my credit report. Ive put in Several Disputes regarding these accounts. I ask that these accounts are removed from my credit report immediately. Ive filed FTC report which has been ignored by you. These accounts were. opened without my consent. Please remove and correct this information on my credit report immediately. 

XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX. XXXX XXXX {$0.00} XX/XX/XXXX XXXX  XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX {$12000.00} XX/XX/XXXX Inquires XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Tracking details to the second set of letters I send out Tracking Numbers : 1. XXXX 2. XXXX 3. XXXX
Consumer complaint received 2022-02-24
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: Experian Information Solutions Inc. (TN)

XX/XX/XXXX XXXX  hard inquiry i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX hard inquiry i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX hard inquiry i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX i did not authorize contacted company and got nowhere with them XXXX XXXX hard inquiry i did not authorize contacted company and got nowhere with them XXXX XXXX i did not authorize XXXX company and got nowhere with them XX/XX/XXXX XXXX XXXX hard inquiry i did not authorize contacted company and got nowhere with them suburban ford XX/XX/XXXX hard inquiry i did not authorize contacted company and got nowhere with them XXXX XX/XX/XXXX hard inquiry i did not authorize contacted company and got nowhere with them XXXX XX/XX/XXXX hard iquiry i did not authorize contacted company and got nowhere with them XXXX XXXX  XX/XX/XXXX hard inquiry i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX i did not authorize contacted company and got nowhere with them XX/XX/XXXXXXXX XXXX XXXX i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX  i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX i did not authorize contacted company and got nowhere with them