davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 11 XXXX, XXXX XXXX XXXX, 10 XXXX XXXX, 11 XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX   XXXX, XXXX  XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 11 XXXX, XXXX XXXX XXXX, 10 XXXX XXXX, 11 XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-15
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I XXXX XXXX am a victim of identity fraud and someone has opened up a KOHLS/CAPONE credit card in my name. The account starts with # XXXX. This person has used the card for the amount of {$690.00} so far. It says the account was opened on XX/XX/2022 which was around the time I became a victim of fraud through other cc companies. I just now got this report of this card through XXXX being open so Im immediately reporting it.
Consumer complaint received 2023-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (OH)

They continually reach out by email stating I owe this debt. They told me I need to file police report or report to the FTC. FTC directed me to you. I dont recognize this debt and Im continually reaching out to them let me see a contract with my signature or my information proving this is my debt. No one every responds. I finally got response on XX/XX/23 saying I must file a police report. I dont have to, and what am I going to the police station with, when they havent gave me any information this is my debt.
Consumer complaint received 2021-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CO)

My husband and I refinanced our mortgage with XXXX XXXX XXXX. After the refinance was complete, the mortgage was transferred to XXXX XXXX for servicing. Having made 3 payments ( on time ) to XXXX, I was completely frustrated to receive a letter dated XX/XX/XXXX that my home owner 's insurance policy had expired. The letter stated that they would be " buying '' insurance for us. To the best of my knowledge the insurance information provided to XXXX XXXX XXXX when the refinance was completed should have been transferred with the loan. I contacted XXXX XXXX  on XX/XX/XXXX and was told that a payment had been made for our home owners ' insurance but no one could provide me with a check number to confirm the payment. The representative that I spoke to told me at that time she could see that the payment had been disbursed but could not confirm where it was sent. She transferred me to XXXX in " the insurance department '' only to be told they DIDN'T have our insurance information on file. I proceeded to give her the information and the phone number to contact XXXX XXXX to make sure further billing would indeed be going to the correct address. I emailed them the information that day as well with a request of a response that the issue had been resolved. I checked our mortgage account on XX/XX/XXXX and saw that it appeared that a disbursement had taken place for insurance. On XX/XX/XXXX the payment that appeared to have been made was reversed and NO payment had been made for my home owner 's insurance policy. I contacted XXXX again on XX/XX/XXXX and spoke to XXXX and was told a check had been mailed so I asked for the check number of the disbursement. After researching, she told me she was unable to provide a check number and would have to transfer me back to customer service. After being transferred back to customer service and speaking to XXXX I was finally given a check number for the insurance disbursement. ( Ck # XXXX payable to the order of XXXX XXXX ) Having read all of the horrible reviews online for XXXX XXXX, I too want to file a complaint about the companies inability to " service '' any loan in a timely manner. I have huge concerns for my upcoming property tax bill being paid on time. It is completely unfair for a consumer to have to make sure the " loan servicing '' company is actually doing their job. If they continually fail to pay home owner 's insurance and property taxes on time I wish to have them stop escrowing our account and we will be responsible for paying our own insurance and property taxes.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2020-07-09
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. (CA)

For the 2nd time in 2 days, I got denied a loan because they think my car was repossessed by XXXX. Whatever lingo is in the community as far as reporting, they are using words that make it appear I defaulted on this loan. I did not default on this loan. I was severely hit by a drunk driver who totaled my car. My insurance paid the majority of it and the rest is really interesting to me. XXXX at last minute during the approval process enforced that I include their GAP insurance protection, and it was sold to me, as a no worry, 2nd form of protection so if anything like what happened to me happened, I was covered. So somehow, between XXXX XXXX XXXX who I have already had to take to court and XXXX, they seem to have left {$1000.00} on my account and they opened it after the load and then closed it and I see that that is why everyone thinks that I had a repo. Because they think it was to court or diminished value. This needs to be reported as an accident or if closed removed. I would like to see the details of this GAP insurance i paid for that was either around or more than the total of what they have left on this account. You can not report these things like this and aim to damage someone's reputation who was a victim of a drunk who chose to drive and hit someone. I have two people now who have denied me and I am enclosing the angry conversation I had with one Finance Dept Individual who was XXXX enough to say in text what she thought, but it will help me prove my point of damage.
Consumer complaint received 2021-01-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (TX)

ON GOING HABITUAL LIES AND MISREPRESENTATION OF COVID 19 RELEIF DEFERMENTS AND ADDITIONAL LOAN MANAGEMENT ASSISTANCE MISREPRESE3NTATION. PER DOCUMENT REPLY PACKET PROVIDED IN RESPONSE FROM WELLS FARGO : DATED XXXX XXXX, 2020. SAID DOCUMENT, REPORTS REPEATED VERBIAGE MISREPRESNTATION - LIES WITHOUT PROOF. OF " SAID REQUEST. '' WELLS FARGO EXPRESSLY REFUNDED PAYMENTS AND STATED THIS WAS " ADDITIONAL COVID 19 RELEF '' AND WAS ISSUES IN CONJUCTION WITH ROUND 2 OF DEFERMENT OF ADDITIONAL PAYMENTS TO ASSIST CUSTOMER DURING A DEVISTATING TIME IN OUR HISTORY. 

WELLS FARGO THEN RENIGED ON THEIR COMMITTMENT TO COVID 19 RELEIF. STATING CUSTOMER " REQUESTED '' AN OPTION. 

WE THE CUSTOMERS HAD NO IDEA THIS COVID 19 RELEIF REFUND WAS OFFERED UNTIL " WELLS FARGO REPRESENTATIVES PRESENTED OFFER '' AND REFUNDED. WE HAD NO REASON TO QUESTION - UNTIL WELLS FARGO BEGAN DEMANDING PAYMENTS 3 TIMES MONTHLY PAYMENT AGREEMENT. ADDITIONALLY, THE DATES STATED I, THE CUSTOMER, MADE THE REQUEST ARE IMPOSSIBLE CONSIDED I RECEIVED THE REFUND IN THE MAIL THE SAME DAY THEY STATED I MADE THE REQUEST-AGAIN THIS IS MISREPRESENTATION OF MY WORDS AS WELL AS THEIR OFFER TO ASSIST CUSTOMERS, WAS FOLLOWED BY DEMAND TO PAY.
Consumer complaint received 2023-03-27
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. (AL)

To Who it may Concern : I have contacted XXXX XXXX, XXXX, and Equifax more than once pertaining to them reporting inaccurate information on my credit report that is negatively effecting my credit score. I even sent proof that the information that they were reporting was incorrect and they did not remove the inaccurate file from my credit report as I requested that they do. the account in question is : XXXX Acct # XXXX in which at the timeXXXX XXXX shows a last date active of XX/XX/XXXX, XXXX showed a date of XX/XX/XXXX, and Equifax showed a date of XX/XX/XXXX. XXXX XXXX has since re-aged my date of last activity to XX/XX/XXXX. 
I have disputed this issue more than once with each of them. They only respond that their investigation results will stand. I've even sent in proof that the information was incorrect. 
I ask if each of these entities get their information form the same source, How can each of the have conflicting information?
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Navient Solutions, LLC. (TX)

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

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-07-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc. (GA)

This company can't provide me any documentation that this account is mine. No signed contract. I have written to this company asking for them to prove to me that this info is accurate and it really belongs to me. I have not received anything. They have put a collection on my credit reports and I want the entry removed immediately. This is a bogus company and I need this issue to be resolved ASAP.
Consumer complaint received 2020-07-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fay Servicing, LLC (TN)

They charged XXXX $ attorney fees on a XXXX $ loan i got in XXXX and they still don't want to give a option on my mortgage that had a sale date XX/XX/XXXX XXXX
Consumer complaint received 2022-07-14
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: BARCLAYS BANK DELAWARE (UT)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
Consumer complaint received 2023-03-27
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. (MO)

Ive called XXXX  times over the course of a year to have them change my DOB. XX/XX/23 is the last time Ive called and am going to call. This has not only caused declines credit but also information on my credit report that is not mine.
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX** Balance Owed : {$0.00} XXXX XXXX**** Balance Owed : {$510.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2020-07-09
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. (TN)

I received a copy of my credit report which showed accounts and inquiries that I did not authorize. I understand you should not be allowed to put an account or inquiry on my file unless I have approved it. I have provided a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please Have the following accounts inquiries removed from my credit file at once because i did not authorize them, and they are fraudulent. ( List Unauthorized Information ) : Fraudulent accounts : DEPT OF ED/XXXX : Acc NO : XXXX Date Opened : XX/XX/XXXX DEPT OF ED/XXXX : Acc NO : XXXX Date Opened : XX/XX/XXXX DEPT OF ED/XXXX : Acc NO : XXXX Date Opened : XX/XX/XXXX DEPT OF ED/XXXX : Acc NO : XXXX Date Opened : XX/XX/XXXX. Fraudulent Inquiries : XXXX Inquiry date : XX/XX/XXXX. Also be advised the Fair Credit Reporting Act states that any information that is kept on an individual 's credit report must be correct. this includes unauthorized inquiries. if your company refuses to investigate and respond to my request within 30 days from the receipt of this letter, I am prepared to file a lawsuit in small claims court. Also, be aware that the return receipt/signature of this certified letter is the evidence of your receipt of said request. I have sent this letter because I need your Prompt response to this issue and i need written correspondence as evidence your company is acting upon my request. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (TX)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

SANTANDER CONSUMER USA XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX CA, XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/year> My only employer is : XXXXXXXX XXXX XXXXXXXX I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. Sincerely, XXXX XXXX
Consumer complaint received 2022-07-14
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. (GA)

XX/XX/XXXX, XXXX I have formally notified, each of the three credit bureaus, XXXX, Equifax, and XXXX in writing via certified mail, that their reporting of the current bankruptcies in my credit file in which they manage, are in direct violation of the Fair Credit Reporting Act ( FCRA ), each of my attempts have gone uncorrected. Each agency has responded to the disputed items as VERIFIED AS ACCURATE, How this could be when they indicated the court furnished them the information knowing that this is untrue, and their investigation was not done correctly either according to the FCRA, resulting in the bankruptcies still appearing on my credit file. Their unwillingness to correct their errors has caused unnecessary and difficult situations for me while trying to obtain loans, credit cards, and housing. The like of cooperation has also affected my credit score not allowing me to get above a XXXX with paying my bills on time., the information in my credit file is inaccurate, merely due to the status of the bankruptcies citing discharged on one report, dismissed on another, inaccuracies and lastly, XXXX public records such as bankruptcy are in your file. I have attached several documents relating to this specific issue to support me disputes. I have listed the FCRA Violations below to be relevant to this matter : 15 U.S.C. 1681 section 602 ( A ) Having the Right to Privacy 15 U.S.C. 1681 Section 604 ( 2 ) Not Having My Written Consent 15 U.S.C. 1681C section ( a ) ( 5 ) Requirements to information contained in consumer reports 15 U.S.C. 1681d section ( a ) ( 1 ) Disclosure of fact of preparation 15 U.S. C 1681 section ( b ) Disclosure on request of nature and scope of investigation 15 U.S.C. 1681d section ( a ) ( 1 ) ( 4 ) Disclosure of investigative consumer reports
Consumer complaint received 2021-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (WI)

Upon taking a trip on Frontier Airlines in XX/XX/2019, they advertised a credit card where I could get free miles -- enough for 3 round trip tickets. I have cards with both XXXX and XXXX so thought it would be a good way to save for travel w Frontier as well. 

I went about my life and didn't realize that I never received the Airlines card until I got the past due billing statement from Barclay 's for {$79.00} ( annual fee ). I immediately called and told them that I never got the actual credit card. They offered to send me another but told me that because the 60 days had passed without me putting $ $ on the card, they would no longer be able to offer me the points to get me 3 round trip tickets. I told them if there were no points, I didn't want an extra card, and they insisted that I needed to have the card. They said they would send me another card but I never got it. FRAUD! ARGH. 

They continued to send me a couple more past due statements for the annual fee and every time I called and said I didn't want the card and that I wasn't going to pay a fee for a credit card I never got! I also said they had BETTER NOT BE REPORTING ME TO CREDIT BUREAU, but apparently they did! 

Please get rid of this FRAUDULENT charge for a credit card I never received. It was reported to ALL three agencies -- XXXX XXXX and XXXX. 

The late dates they reported me were for XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/201XXXX XXXX