davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-12
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-08-15
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. (SC)

Credit Protections Under the Coronavirus CARES Act Under the CARES Act, if your account is up to date and you make a debt-relief deal with a creditor, that creditor must continue to report the debt as current. If you miss one or more loan, credit card, or mortgage payments because of the coronavirus ( COVID-19 ) pandemic, the creditor can report you as delinquent to the three main credit reporting bureausXXXX, XXXX, and TransUnionand your credit score will take a hit. The CARES Act, which was signed into law on XX/XX/XXXX, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. ) XXXX XXXX XXXX XXXX Last 4 of account # XXXX XX/XX/XXXX ( XXXX, XXXX )
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I formally request for the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. Given the seriousness of this matter, I am seeking your prompt attention and resolution. Please provide me with a written confirmation of the removal once the investigation is complete. Furthermore, I request an updated copy of my credit report reflecting the accurate and corrected information, once the fraudulent items has been removed. These are the following fraudulent items that I want to removed of : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXX XXXX Balance {$67000.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Bankruptcy Reference Number XXXX Date Filed XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance ; {$68000.00} XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX.
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have submitted disputes about my personal information being incorrect on my credit report. There are several names, addresses, phone numbers, employment information and public records that do not belong to me on my credit report. I have disputed the matter several times and I have not received a response. The last letter that I sent in reference to correcting my personal information was dated on XX/XX/2021. I have not received any response and its been over 30 days since my last attempt to have incorrect information removed from my credit report. By law, the credit reporting agency has 30 day to respond.
Consumer complaint received 2022-04-27
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. (LA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXXXXXX XX/XX/2022 XXXX  XXXX XXXX XX/XX/2022 XXXX  XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 -XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX 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 2022-04-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (CA)

This is an amendment to my recent complaint against Santander Consumer USA. I had received loan payment extensions and was Not informed of the additional charges ( interest, late charges and other fees ). They were sent me an email about some fees but the notice failed to explain additional fees associated with my account. Additionally they did not disclose to me the terms and other info that would affect ( impact ) the way my loan was being handled. Even though they record calls they do not disclose all actions being taken which has affected my loan significantly.
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

XXXX is reporting an old account as open and current. It shows a payment of {$3800.00} made to open the account back up fraudulently. The account was closed and charged off and all of a sudden it shows open and current. I have correct documentation on how the report looked in XXXX versus XX/XX/XXXX. This is due to be removed from my credit report in a month. I would like this to be removed now due to inaccurate information and fraudulently activity opposed by XXXX.
Consumer complaint received 2022-09-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: AmeriCash Holding LLC (WI)

As of XX/XX/XXXX this is the company 's response. 

Thank you for giving us the opportunity to respond. XXXX XXXX is correct that she originally obtained a loan from AmeriCash Loans for {$600.00} in XX/XX/XXXX. However, XXXX XXXX subsequently refinanced that loan in XX/XX/XXXX. Due to XXXX XXXX failure to timely make all scheduled loan payments on her XX/XX/XXXX loan, AmeriCashs counsel filed a collection action against XXXX XXXX for the outstanding balance of that loan. As a courtesy, AmeriCash has decided to release the wage garnishment for the remainder of the balance, mark the judgment as satisfied, and close the account. 

As of XX/XX/XXXX, I received a document from my employer regarding an amended/balance update that this agency is looking to collect an additional {$1900.00}. There has not been any documents received that the loan is closed and paid off.
Consumer complaint received 2023-02-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I tried to buy a bicycle from this ad https : XXXX. The owner of the bicycle asked me to move the conversation over the phone, which we did. His number, which is now not in service anymore was XXXX XXXX. So I made two payments via XXXX to an email address XXXX. I made a payment for XXXX USD and another one XXXX USD on the XXXX and the XXXX of XXXX. So in total XXXX USD for the bike and another XXXX for transportation from FL to NY. After the payments were processed, the number became out of service. I called the bank, and they said there is nothing they can do. I would really like to recover my money, if at all possible.
Consumer complaint received 2023-06-29
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. (IL)

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.
Consumer complaint received 2022-08-15
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. (OH)

When I reinvestigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$1700.00} DEPT OF EDUCATIONXXXX XXXX Date Opened XX/XX/XXXX Balance {$6500.00} DEPT OF XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$3600.00} DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$790.00} DEPT OF EDUCATION/XXXX XXXX Date Opened XX/XX/XXXX Balance {$1400.00} DEPT OF EDUCATION/XXXX XXXX Date XX/XX/XXXX Opened Balance {$250.00}
Consumer complaint received 2022-04-05
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. (MI)

I have disputed XXXX XXXX XXXX multiple time. XXXX, XXXX, XXXX This debt buyer, The furnisher is reporting multiple account numbers for this account and is not forthcoming with actual legitimate verification. 

This reported information is inaccurate and can not be substantiated. 


.
Consumer complaint received 2022-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (TX)

My bank account was charged a ridiculous amount of overdraft fees. I have asked wells XXXX 6 times to remove that oversraft option. I simply can't offers it. A school program automatically submitted a purchase for XXXX and I was charged {$35.00} by wells Fargo, my car payment went in automatically and I was charges another XXXX. My pay was deposited and with the fees I'm left XXXX which means my XXXX cellphone payment will cost me another XXXX this isn't fair wells cargo needs to stop doing this
Consumer complaint received 2022-05-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

I entered in to forbearance in XXXX of XXXX because of Covid19. My mortgage service is Wells Fargo. I have an FHA loan. In XXXX of XXXX like I was told to do so upon the ending of my forbearance I contacted them and told them Id like a covid19 loan modification. I was then told once he input my information I would have a home preservationist contact me within 7 days. This was untrue and never heard from Wells Fargo until I received a loan modification the end of XX/XX/XXXX. I was then given a specialist { XXXX XXXX } to call with any questions. I tried for days and weeks and never got thru to her because she was either not answering or her voicemail was full and you couldn't leave one. I decided to call and get a rep on the phone and explained to him I had questions about the loan mod and had absolutely no help getting in touch with my rep. I asked for a supervisor to please contact me. XXXX XXXX called me which was a supervisor and went over the terms of the mod with me and at that point in the state in which I reside a program was offered called XXXX to families to help pay back mortgage payments and it would go live on XX/XX/XXXX. I had told XXXX that I would like to try to get help thru XXXX to pay my back balance off and that would allow me to do a refinance and lower my monthly mortgage payment because when Wells Fargo did the loan mod they only lowered my payment by XXXX. XXXX said he would put my account on a hold until I could get everything over to XXXX and get the ball rolling. If I were to do the loan mod thru Wells Fargo it wouldn't offer a refinance until you were 6months to a year in to your mod. He then gave me his direct line and said to contact him with any updates. Once I had submitted my info to XXXX XXXX had tried several times to contact him and nothing. Again I called to speak to a rep who could get me in touch with either a supervisor or XXXX. I then had a call two days later from XXXX which was a supervisor as well. At that point Wells Fargo said my loan mod was no longer being offered when she pulled up the information on it. I had told her what was going on and she had told me she was going to expedite my loan on to a reopening team to see if they could get it reinstated. She would call me back with any questions. I received one call from her letting me know if I needed anything to call her. That was on XX/XX/XXXX. Since then I have not received any call from her, just letters from XXXX XXXX telling me they need documents for a loan mod and to call her. I call and here we are again ... .no answer and a full mailbox. I then called back to try to get XXXX on the phone and no luck. I managed to get a rep who got me thru to her voicemail and I left a message on XX/XX/XXXX. In the meantime I have now received a letter of intent. XXXX is still working on my application and I have literally no idea what to do.
Consumer complaint received 2022-09-28
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: U.S. BANCORP (NC)

My credit reports are showing a " 30 day '' late payment in XX/XX/2022 from Elan Financial Services. The payment in question was due on XX/XX/2022 and paid on XX/XX/2022. 

This payment was 17 days late, not 30 days late. This derogatory record needs to be removed from my reports, as it cost me XXXX points on my XXXX  score. 

On XX/XX/2022 I submitted a dispute through XXXX and XXXX. Elan verified to both of XXXX and XXXX that the " 30 day '' late payment was correctly reported. It is not correctly reported. Elan has, in violation of the FCRA, verified false information to the CRAs.
Consumer complaint received 2022-08-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (IL)

There is a charged-off account from XXXX auto loans on my credit report. While coming through my credit report, I discovered NCB Management Services ( A collection agency ) bought the debt and is now listed on my credit report from all three credit bureaus as a collections account. This has adversely affected my credit.

1. I do not have a contract with NCB Management Services ; therefore, I do not owe their company anything.

2. I have never received any written correspondence from the company. I have never received any information from NCB, regarding the original creditor, the amount owed when the collector purchased the debt, the date of the last payment, and whether the date is passed the statute of limitations.

3. While researching the company, I discovered NCB Management is not licensed in my respective state ( Illinois ) to collect a debt. Illinois law requires a debt collector to be licensed to collect a debt. Therefore, NCB Management Services is not authorized to collect a debt from me.

4. I received an email from an office that I previously worked at and was told the current employee has received numerous phone calls from " NCB Management Services '' despite her telling them, that I no longer work there and that she does not have a forwarding phone number for me.

5. I have received numerous phone calls, allegedly from NCB Management, starting before XXXX XXXX and throughout the day, every day. 

XXXX XXXX XXXX ( ( This is where I saw what states do not require a license to collect a debt. Illinois was not listed ). 

XXXX XXXX XXXX  ( This is per NCB Management Services website . They do NOT have a license listed to collect a debt in Illinois. I am also including a screenshot of the website.
Consumer complaint received 2021-10-18
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. (GA)

For the past several years I have been disputing a bankruptcy only this credit company is reporting on my file. As of XX/XX/XXXX I opened an investigation with XXXX XXXX as to why, according to Experian, they are reporting a bankruptcy on my file. I provided XXXX XXXX and Experian a letter from the clerk of court which states they DO NOT report to credit bureaus or third parties. As a result of this letter, XXXX XXXX concluded the dispute and removed the bankruptcy from my file. However, Experian continues to refuse removal stating XXXX XXXX is verifying this information. Attached you will find the letter sent to me by XXXX XXXX stating this has been removed as of XX/XX/XXXX. How is Experian saying they are preforming an investigation and verifying with XXXX XXXX. Furthermore, I have called several times and have been treated very poorly by the Experian staff. Every time I ask for a supervisor the representatives get upset and say they I can not talk to a supervisor because they are in meetings and say they can schedule a call back, this of course never takes place. Not once has a supervisor from Experian ever contacted me about my concerns. Also, when I try to explain the errors on my report and ask for this to be remove they state they can not make manual changes to any report. I have have to wait for the investigation to be over in 30 days. These conversations have taken place in XXXX when I opened over 3 disputes for the bankruptcy as well as in XXXX. The names of these employees are XXXX, XXXX, XXXX, XXXX, XXXX and they all have very heavy Spanish accents of which is difficult to hold a conversation with any of them. My dispute with Experian were ongoing while in dispute with XXXX XXXX. The denied all my disputes stating they verifying it was accurate on XX/XX/XXXX, XXXX, XX/XX/XXXX. I opened another dispute again on XX/XX/XXXX. I uploaded both documents to Experian.
Consumer complaint received 2021-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (IA)

There was charges on my card that i did not authorize and i files clam, well i did get my money back on my card, and then they said i had to show and prove my idenity for them to issue me a new card. I sent them this information by fax and by email 4 different times, i called both parties and talked to a few mangers and one day they say we are speeding pricess up the next says re summit and i am so over this i dint issue my card unployment did told them call them they wont im just over trying to get a new card. 

aslo would not allow me to change my address the address on this account is XXXX XXXX XXXX XXXX XXXX NE, XXXX
Consumer complaint received 2022-08-15
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. (NV)

On XX/XX/2022 XXXX XXXX  Equifax issued a national announcement stating that Equifax issued wrong credit scores for millions of consumers. Due to this I am not disputing but demanding that Equifax remove any and all erroneous accounts on my consumer report for the failure of consent and privacy per 15 U.S. Code Subchapter II - FRAUDULENT ACCESS TO FINANCIAL INFORMATION. Additionally, Equifax failed to exercise their grave responsibilities, they were unfair, impartial, and did not respect my right to privacy per 15 U.S. Code 1681a - Definitions ; rules of construction & 15 U.S. Code 1681b - Permissible purposes of consumer reports Lastly, never instructed them to furnish this report or to create this report and never consented to this report in the first place per 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports
Consumer complaint received 2022-09-19
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. (NJ)

I have an XXXX XXXX account showing that there are 2 late payments ( 30 days ). This information is inaccurate and incorrect, also Ive never given permission for this info to be shared on my credit report. In accordance with the FCRA, 15 USC 1681 section 602, 604, I am a consumer and I have rights as well as the right to privacy, this is in fact a violation of my consumer rights and grounds for removal from my credit report.