davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-07
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: Mr. Cooper Group Inc. (FL)

Nationstar Mortgage/Mr. Cooper has tarnished my credit by indicating that I have been late on 5-6 payments of over 30-60 days in XXXX. I have proof that Nationstar Mortgage was paid on time from XX/XX/XXXX to XX/XX/XXXX thru AutoPay from XXXX XXXX XXXX.I attached copies of all payments to Nationstar Mortgage from XX/XX/XXXX through XX/XX/XXXX that were made by Auto Pay by XXXX  XXXX XXXX that show the confirmation number that each payment was processed. No payment was tardy. No payment was missed. I have asked Nationstar/Mr. Cooper to correct this for quite some time, but refuse to do so because they state that the payment had increased and since I was never notified by mail or phone, the autopay continued to pay {$690.00} for the payment for XX/XX/XXXX. I then received a letter from Mr. Cooper stating that I owed over a thousand dollars and when I called them to inquire, they advised that the taxes had increased and that the monthly payment would be now in the area of {$820.00}. On XX/XX/XXXX & XX/XX/XXXX I made payments in the amount of {$820.00} until I received a statement indicating that the payments are now {$810.00}. I made a double payment on XX/XX/XXXX and XX/XX/XXXX of {$810.00} like they advised me over the phone to pay for any additional taxes and that I would be then current. I have made monthly payments of {$810.00} to this date. I have called Mr. Cooper/Nationstar countless times and they do not want to help me nor seem to care. In the meantime, I am unable to get a loan because of their incorrect statement that I have been late 5-6 times on my account in XXXX. I have made a report to XXXX, XXXX, XXXX, and to the Consumer Protection Agency.
Consumer complaint received 2022-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (CA)

I called numerous times, sent 3 certified letters. 2 stating facts that I have not received credit for return which a credit was issued for back on XX/XX/2022. Finally got a letter from them dated XX/XX/2022 stating they needed documentation of the credit. I sent 2 letters from company stating the purchase AND the return credit being issued, certified again. Have called, no reply. They owe me {$210.00}. ( The original purchase was made on a card I lost, but they immediately replaced it. I sent them both card # 's. ) I have copies of all letters & receipts for certified postage.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to ExperianXXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$6600.00}, XXXX XXXX Balance : {$8100.00}, XXXX XXXX XXXX XXXX Balance : {$25000.00}, XXXX XXXX Balance : {$4900.00}
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/2020, I submitted letter to the 3 bureaus.They have never responded. I have attached a new complaint and I would like a response asap.
Consumer complaint received 2024-11-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (NY)

I was scammed by a company saying they charged XXXX for a product which they falsified and charged me XXXX immediately XXXX XXXX notified me and I disbruted the charges the company transfered my money back it should have been placed back on my account they have been pending it for to long and now when I called them they want to pend it longer and have taken this transaction off my online account even though said it pending. They did this before. I don't trust what's happening. I've been with XXXX XXXX bank for almost 25 years when it wasn't XXXX XXXX but this credit card company carrying their name I don't trust very shady.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am interested in processing disputes on my credit report to delete an remove all inaccurate information on my Equifax credit report. this is my 2nd attempt to clear all negative things. please review an remove all listed items to clear my file asap.
Consumer complaint received 2022-07-21
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2023-03-01
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has inaccurately violated my rights. 
Section 604 - 15 U.S.C. 1681b. States that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report. 
I applied for this inquiry XX/XX/XXXX and the removal date should have been XX/XX/XXXX, It still has not been removed.
Consumer complaint received 2020-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

In the year XXXX, an XXXX/XXXX  account was added to my credit report, which was open fraudulent because I did not authorize for that account to be open. Somehow when I set up payments for my daughter on two accounts XXXX XXXX and XXXX to be paid out of my checking account the XXXX account became open in XXXX of XXXX without my consent, after setting up payments for my daughter so that she would not have any charge offs on her account. In the year XXXX when my dad worked for XXXX XXXX XXXX my SSN got deleted and my year of birth as well. My daughter SSN became my SSN in the credit bureaus all three. XXXX, Equifax, XXXX, which was brought to XXXX XXXX XXXX XXXX Corporate attention in XXXX  New York in the year of XXXX, which I am no longer there because of this matter, which I left in the year of XXXX. The problem keeps surfacing after 19 years of fighting for my identity and my daughter 's identity, XXXX  will not delete this information from my credit report after disputing this over and over.I have also filed a complaint against all credit bureaus with CFPB on all issues that I know of. The incident report number is XXXX. This has destroyed my life as well as my daughter 's life. As we continue to fight for our identities if you go to the XXXX XXXX XXXX XXXX website some have changed the last four digits of my SSN and my daughter 's SSN under free credit score under my block. This has been overwhelming for the past 19 years and I have gotten three letters from Equifax stating they can not find me in their system which has been sent of 2 times with certified confirmation with the USPS post office.I have been fighting this for 19 years and I am tired of sending documents after documents to prove my identity and my daughter 's she was only XXXX XXXX XXXX at the time when all of this occurred.
Consumer complaint received 2022-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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/block any items 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 XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX TX ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3300.00} 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 2020-11-29
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. (TX)

*** XXXX XXXX XXXX XXXX, TX XXXX * XXXX XXXX  XXXX XXXX, TX XXXX < -- ( DELETE WRONG ADDRESSES, NOT MY ADDRESSES ). 
XXXX XXXX XXXX  XXXX {$21000.00} < -- ( NEVER LATE HOW IS THIS VERIFIED AS ACCURATE? REVIEW MY ATTACHED DOCUMENT REGARDING THIS ACCOUNT FOR XXXX XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX {$3500.00} < -- ( NOT MINE, HOW IS THIS VERIFED? FCRA violation. FTC violation failure of 45 days to settle. ) XXXX XXXX XXXX XXXX {$390.00} ( NOT MINE, HOW IS THIS VERIFED? FCRA violation. FTC violation failure of 45 days to settle. ) FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING
Consumer complaint received 2021-09-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

In XXXX of XXXX, I spoke to the leasing agent of the apartments I was living in at the time about needing to move out of the city due to certain personal reasons. In XXXX and XXXX of XXXX, the owed debts were reflected on my credit report. As the statute of limitations in Texas for debt collections ( not considered mortgage debt ) is a maximum of 4 years, I have disputed said debts with the reporting credit agency. However, my disputes were resolved and resulted in the debts continuously being reported on almost 7 from the date of my first delinquent payment. I also would like to highlight section XXXX of the Texas Property Code which states that debt is owed only until a replacement tenant is found. Though I lack proof of any leasing tenants after my move out date, with the entity being located in a prime real estate market ( XXXX XXXX County - XXXX, TX ), I feel that it is more likely than not that the unit has held subsequent tenants. 
Thank you for your time and help on this matter.
Consumer complaint received 2022-07-29
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: Experian Information Solutions Inc. (AZ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent a letter to Experian on XX/XX/2022 requesting to investigate and verify the Accuracy of the accounts on my Credit Report. These accounts ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX Bankruptcy Reference # : XXXX ) are reporting erroneous information on my File. Despite the previous written requests sent to Experian, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of these accounts. It is unacceptable to continue reporting these accounts as unconfirmed information without producing proof within the time allowed by law. By the provisions of the FCRA, I urge Experian to investigate the erroneous accounts and have them corrected.
Consumer complaint received 2022-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc. (GA)

Today on XX/XX/2022. I applied for a Credit card with XXXX card on Experian Credit Bureau agency. I was looking at my credit Bureau report. The credit card sections. Experian had three credit cards company come up and stated i was pre-approved and this wood be the best credit card for balance transfer. First of all Experian never stated I wood have a hard pull on my credit report. i understood to be a soft pull to no pulled with this being a credit Bureau agency. Small writing stated they were in partnership with XXXX card and the work together and this and two other card wood be a great fit for approval. Everything about the advertisement was false and misleading to me. I applied and was decline. XXXX took the information 's from the Credit bureau and ruled against me as a decline for a new credit/ bal transfer. Experian used the same information stated I should applied and wood be approved for the card. The whole credit. process through the Credit Bureau was misleading and false advertising. I am SORRY EXPERIAN YOU DONT GET TO MISLEAD CUSTOMER INTO THINKING THEY WILL BE APROVED FOR A CREDIT. I WANT THE HARD INQUIRY REMOVED OFF MY CREDIT REPORT AND APOLOGY LETTER. YOU DONT GET TO BREAK THE LENDING LAWS!
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Yamaha Motor Finance Corporation USA (AZ)

I went and bought a motorcycle from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ) Motorcycle was bought on XXXX XX/XX/2021 for {$14000.00} and we paid down {$4100.00} and financed XXXX with XXXX XXXX XXXX. XXXX was done through dealership. Today i have received a Yamaha credit card in my mail that i never applied for, as per Yamaha we applied it at dealership. I am very financially aware person and don't apply for credit cards anywhere besides my bank, and why would i need a Yamaha credit card. Me and my husband went to buy this motorcycle and not a single time we applied for any credit card or they even mentioned anything that we'll be getting any credit card too. I believe dealership gets paid for getting credit cards and they are doing to people without even their knowledge. My credit has gone down some points because of this and it will go down even further when i will close my account now. Never have i received any credit card without applying ever in my life. i didn't even buy Yamaha motorcycle, this is pure fraud done by dealership and Yamaha Financial services. We are financially well off and are not one of the customers that will be ok with getting new credit card and start using it. Please help me with this.
Consumer complaint received 2022-10-12
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. (PA)

On the date of XX/XX/26 all three credit bureaus were sent a Federal Trade Commissions affidavit, also a picture of my ID, picture of my ssn number also a untility bill in which I was following all rules set forth with sending these to the companies to block and remove fraudulent accounts that I have stated in my Word document that I sent over also. All three of the bureaus disreguarded the law and stated that they would remove and gave me confirmation numbers stating they was going to be removed and the accounts are still negative on all my accounts. The law that in referring to is 15 U.S. Code 1681c2 - Block of information resulting from identity theft a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

They failed to remove anything from my reports today marks 15 days since I made these reports and gave notice. 




XXXX bank Account number # XXXX XXXX XXXX  Account XXXX # XXXX XXXX XXXX XXXX Account XXXX # XXXX XXXX XXXX Account number # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX I will also attach the names of the representatives I talked to with the confirmation numbers that were given to me stating accounts would be removed 5 days later in which it wasnt
Consumer complaint received 2020-07-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

In a review of my credit file, I see this collection agency, Portfolio Recovery Associates, and a creditor, XXXX XXXX for two accounts ( XXXX XXXX XXXX XXXX ). I have no contractual agreement with this company. I have not signed any documents of any kind. This is collecting agency is collecting for two accounts as I previously noted.
Consumer complaint received 2023-02-28
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I was noticed last night my credits were being looked about by capital one. I did not open a credit card someone used my information. They got my XXXX and XXXX credit reports. I called the company they said there was no account under my name but this afternoon XX/XX/23 capital one called to let me know there was a fraud department asking if I opened an account and I said no. The told me to notify XXXX and XXXX to let them know it was fraud