davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-30
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. (CA)

XXXX XXXX has repeatedly provided misinformation on my credit report over the course of the last 12 months. 
- XX/XX/XXXX flagged as past due 30 days - incorrect as there was no payment owing - XX/XX/XXXX reported i owed {$5600.00} which was false and an incorrect amount- XX/XX/XXXX flagged a 30 Days past due requesting {$1000.00} x 12 payments per month ( {$13000.00} ) which is an incorrect amount and an attempt to collect an amount over 2x any outstanding balance- XXXX XXXX reported as 30 days past due. ( payment was made before the XXXX XXXX ) The lease agreement states the payments are due on the XXXX of each month so therefore any payment made on or before the XXXX of the following month is indeed within 30 days. 

I have attached the agreement and the log of payments which I agreed during the Covid 19 pandemic i would be making the following month before the 30 days past due mark. 

I have reached out to XXXX Corporate complaints and Collections and Customer Service whom have openly admitted on recorded phone calls that the payments for {$1000.00} were incorrect yet they still insist they will not remove the account. 

This has been escalated by XXXX to her superior XXXX XXXX - Assistant VP of Consumer Complaints Compliance on the XXXX XXXX whom has been unable to investigate satisfactorily so therefore this needs to be escalated. I am not convinced on the legitimacy of the investigation as they show no clear understanding of the issue of any real attempt to resolve.
Consumer complaint received 2023-07-05
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: AMERICAN EXPRESS COMPANY (FL)

I am writing to you to request the removal of inquiries on my credit report. I have reviewed my credit report recently and have noticed that there are several inquiries that I do not recognize and that were not authorized by me. Below, XXXX detail the information necessary for them to process my dispute request. 

The inquiries in question are the following : XXXX XXXX ( XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ) I am not aware of these inquiries and do not believe they are legitimate. Therefore, I request that they be removed from my credit report as soon as possible. 

I am attaching to this letter a copy of my credit report showing the inquiries I am disputing. I have also highlighted the inquiries in question in the attached copy to facilitate their identification. 

I appreciate your attention to this matter and hope that I can resolve this dispute in my favor. Please let me know if you need more information or documentation from me.
Consumer complaint received 2022-03-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I sent a request to investigate an inaccurate account on my credit profile on XX/XX/2022. It has now been 53 days since I sent my inquiry but I have yet to receive a response. My inaccurate records on my profile are stopping me from achieving my dreams.
Consumer complaint received 2022-02-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (TX)

XX/XX/XXXX at XXXX. Received 1st email from Wells Fargo, sent to my personal email " XXXX ''. Email was addressed to XXXX XXXX ( my maiden name ) saying " We have received your application ''. At XXXX I received a email from Wells Fargo XXXX` Access your deposit account documents electronically ''. At XXXX another email from XXXX " Please complete your Wells Fargo Online enrollment ''. At XXXX another email from XXXX " Next Steps for Your Application ''. Access code in email : " XXXX XXXXXXXX ''. An email at XXXX from XXXX, " Your Wells Fargo contact information has been updated ''. Showing the new email as : XXXX. Then at XXXX I received another email from XXXX saying my application for a new Wells Fargo account has been approved. ( I have pictures of these emails ) At XXXX I spoke with multiple employees at Wells Fargo ( XXXX ). They stated they will freeze the account, and have it set up for cancellation. They set up a fraud case ( Wells Fargo Fraud Case ID # XXXX ) and will be mailing me information and confirmation in 30-45 days. Through my own research, I was able to located the application documents for the account. ( I have copies of these documents ) It shows the account number ( was ) # XXXX. The name on the application was " XXXX XXXX '', their phone number ( and I assume this is the perpetrator ) # XXXX ( not mine ). The address on the application showed my previous address, " XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX ''. The Drivers License showed as " # XXXX EXP XX/XX/XXXX '' ( again not my DL # ). They were using my social security number. I have now frozen my credit, and am having to do many things to safeguard my identity. I am very very scared that they will use my identity further, and I wont be able to stop it again.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

My Credit was ran when I was at a car Dealership. I never went through with doing business with the Lenders on my Credit Report. They have access to my information without my Consent. 

INQUIRES XXXX XXXX XXXX - XXXX XXXXXXXX XXXX - XXXX LATE PAYMENTS XXXX XXXX Late Payments 30 day XXXX 60 day - XX/XX/22
Consumer complaint received 2021-09-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (TX)

On XX/XX/XXXX I reached out to my current mortgage company ( New Rez ) to look into refinancing my home. I have been receiving multiple letters in the mail, from New Rez, to consider refinancing my home, so I called. I spoke with XXXX XXXX and she started the process with my refinance. She told me that based on her data base, my home was worth $ XXXX and that I would be able to not only have a lower monthly payment, but also get cash out ( XXXX in my pocket ). She repeatedly mentioned that she was " conservative '' with the value amount and that it may be worth more. The next day, XX/XX/XXXX, she called me back to lock in the rate and provided me with details to get my appraisal ordered/paid and started. That was the last time I ever talked to XXXX XXXX again, my loan officer, because she never returned my calls and emails. 

I got my appraisal done XX/XX/XXXX. The loan processor, XXXX XXXX contacted me about the loan a few days later and informed me that my house was appraised at $ XXXX and I wouldn't be able to get any cash out and would have to possibly pay small amount at closing still. I got an email from XXXX XXXX from Customer Support informing met me that I needed to provide bank statements that showed I had $ XXXX in my bank to bring to closing. Naturally I was confused and shocked that i would need to bring money to the table considering i was refinancing. I attempted to contact XXXX and no response back. I contacted XXXX as well and she called me back. XXXX mentoned that i was wanting cash out and to pay off debt that I didn't request to be paid off. ( Example : XXXX said that I requested my car loan to be paid off and it's my daughters loan which my daughter is paying off, not me ). XXXX also attempted to reach out to XXXX for me, since I had questions she couldn't answer, however XXXX still did not call back or email me back. The next week I told XXXX that I didn't want to continue with refinance because of how poor the service was and no return call back. 

I then contacted New Rez to put in a formal compliant in on XX/XX/XXXX. The took my information and told me that they would have one of the managers contact me back, that day. They mentioned they still had 2 managers in the office and they would call me back. Never heard back. I called back on XX/XX/XXXX and requested a follow up. The individual on the phone apologized for the delay in contact and was going to get a manager on the phone. I requested to speak to someone live and she assured me that I will have someone on the phone. I then was transferred to a voicemail, I left a message and have yet to ever hear back from anyone. 

On XX/XX/XXXX decided to reach out to another company to refinance my loan and get away from New Rez. I have owned several homes and I have refinanced in past before. I have never been with a mortgage company that has failed their clients this bad.
Consumer complaint received 2022-02-27
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-02-27
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-09-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings (TX)

AD Astra Recovery Service Has but a Collection on my credit report that is not valid. I have disputed this and called the company. They claim they are a debt recovery company, and the debt I owe is from a SpeedyCash.com. This is not my account, and I have repeatedly requested copies of a contract with my signature. They can not provide this. This is hurting my credit, and I have been trying to purchase a home. Please assist. They claim I owe {$1300.00}. All my other accounts are all paid and on time. If this was actually my account, I would pay it. Thank you.
Consumer complaint received 2022-02-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Exeter Finance, LLC. (DE)

In XXXX of XXXX I filed bankruptcy, I was told I had to include it in my XXXX XXXX Fast forward XX/XX/XXXX I attempted to make a payment and the representative stated that the car was up for repossession and I had to pay {$1000.00}, Im confused because I only missed XXXX payment on the XXXX and XXXX payment would be do the XXXX. I made a payment of XXXX XXXX XXXX, XXXX XXXX another payment of {$380.00}. XXXX XXXX the same amount. I even asked for a copy of my payment histories. Unfortunately I contacted covid in XXXX the bill was paid, and XXXX right around this time I made this payment. Unbeknownst to me I was taken out of work due to long term XXXX effects that left me bedridden for almost XXXX months. I was out of work and because I worked retail I was only given a reduction of my hours barely enough to provide food for myself. I explained this to the first representative who was very XXXX and XXXX and was like XXXX XXXX the balance needs to be paid or were taking the car. My only source of protection for myself. I had to borrow money that I dont have, Im thinking Im only a month behind and can catch up with XXXX payment in XXXX. I started a new position on the XXXX but my check will be held until the next pay period. I called and this representative said the balance was {$1300.00}, I had to take borrow from almost everyone and I paid a total of {$810.00}. Which leaves me a balance of {$520.00}. Which means a payment is missing along with {$140.00} seems odd because ot shouldnt be like this. I dont get any confirmations from them, I have no idea whats owed or even if a payment is getting processed. Can you help please? Are companies really doing this? Im not XXXX about being XXXX I have documentation.
Consumer complaint received 2022-03-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

Every day sometimes twice a day..Randolph Brooks Federal Credit Union..is leaving voice mails to call them back..I have blocked them on my phone but they still get through and leave a message..they are harassing me..Please get.them to stop or I will have to change my phone number..Thank you!
Consumer complaint received 2022-03-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY (FL)

I have had a target credit card and paid my bill using a debit card. I set up auto pay for future payments. I did not realize until I called, after receiving a letter in the mail, that my bills were not being paid. When I called Target XXXX XXXX they said auto pay was not set up and they were sending EMAILS only to notify me. I DID NOT receive the emails or I would have known and paid. I have worked very hard and have great credit. 
I then received a letter from XXXX a debt collector. When I received this in the mail, I called and began to sort this all out. I paid off the bill in full immediately. However, this is also affecting my credit score negatively. When I looked up my credit score it was lowered by XXXX points and also showed that Target reduced my credit limit from {$1500.00} to {$300.00}! 
I have never not paid a bill I owe and I was not receiving the emails they claimed to be sending, and I believe this is unfair. 
I have paid the entire bill off including late fee but do not think it is fair. I would like somehow to have my credit adjusted through the three main credit reporting agencies ( XXXX, XXXX, and XXXX ).
Consumer complaint received 2022-01-27
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. (CA)

I have some accounts that I never gave permission to the companies to check my credit report and that is illegal. I ask that these fraudulent inquiries be removed from my report as they should have never happened. I have attached the required identity theft form as requested by the companies involved.
Consumer complaint received 2022-03-30
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. (FL)

XXXX, EQUIFAX AND XXXX HAS SOME ACCOUNTS ON MY CREDIT THATS NOT MINE AND THEY REFUSE TO DELETE.
Consumer complaint received 2022-03-30
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)

XXXX, XXXX AND TRANSUNION HAS SOME ACCOUNTS ON MY CREDIT THATS NOT MINE AND THEY REFUSE TO DELETE.
Consumer complaint received 2022-02-26
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. (GA)

I am a victim of Identity Theft. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX collections XXXX, XXXX XXXX, XXXX XXXX, all has Fraudulent accounts on my credit profile that needs to be removed immediately.
Consumer complaint received 2023-07-05
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. (FL)

I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2022-02-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I put my XXXX XXXX on XXXXXXXX XXXX and this buyer was interested in it. We ended up setting a final price for it and she tried to send me {$200.00} on XXXX. The money didnt go through because I didnt have a business account. XXXX emailed me and said that my buyer had to send me another {$300.00} so the payment would go through due to me not having a business account. But in order for me to get my money I had to send her back her {$300.00} using a different platform and then provide proof that I did so before I received my money. After I sent the money I provided proof to both XXXX and the buyer. This money transfer was made on XX/XX/2022. XXXX then emailed me saying I had to pay another {$600.00} because the buyer accidentally sent the {$300.00} 3 times. The email also included that if I didnt send the money I would have been reported for fraud. So I sent the {$600.00} a provided the proof to both the buyer and XXXX. This money transfer was sent on XX/XX/2022. After that I got another email from XXXX saying that my payments werent received. On my bank account it says that both the {$300.00} and {$600.00} payments were received by the buyer. They then said I had to send the money a different way. At this time I stopped replying to both parties. I also found out at this time that the email was a fake for XXXX. The email looked very similar to the actual email to XXXX but its not the same one. I sent both the money transfers through Huntington. I also shipped the XXXX XXXX to the buyer before the payment went through because I was told that I wouldnt receive my payment unless I provided proof of shipping.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I sent a letter off XXXX XXXX, XXXX, I told the credit bureaus to investigate every piece of information the accounts I have listed below. Also, I have attached a copy of the letter I sent out, and here is the tracking information through USPS :  Transunion : XXXX XXXX : XXXX XXXX : XXXX According to Fair Credit Reporting Act, the term Investigate Consumer Report means a consumer report, or portion thereof, in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews, friends, or associates of the consumer reported on, or with others with whom he is acquainted or may have knowledge concerning any such items of information. They stated my account was verified, but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts are still not reporting 100 % accurate. Also, according to 15 USC 1681, everything has to be 100 % accurate. 

These are clear violations of my federally protected rights. 

Accounts Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Also, I have some personal information that needs to be addressed as well. Can you please in-vestigate and remove these names as well? It should only be as listed at the top of this letter. 
Wrong Names : XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Employers : 1 ) XXXX EMP 2 ) XXXX XXXX
Consumer complaint received 2022-02-26
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: NAVY FEDERAL CREDIT UNION (CA)

This bureau has been contacted several times regarding these inquiries in order to have them removed from my credit report. Even when I called them, they ignored my complaints, and then challenged me to file a complaint with the FTC or Consumer Financial Protection Bureau ( CFPB ). I did file my complaint to FTC and still, they don't delete these unauthorized inquiries on my credit report.
Consumer complaint received 2022-03-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (WA)

XXXX XXXX sold a debt to Jefferson Capital Systems and claims I owe {XXXX}. This debt is not valid and I have disputed it numerous times with no success. I never had any phone account with any company or XXXX XXXX in XXXX. After XXXX I was only on friends accounts for my phone for my safety. Im in the address confidentiality program and any account would have had to have occurred before XXXX. If they are referring to an account back in XXXX that debt is now not collectible because it would be past 7 years ago. I am very adamant that this is illegal debt collection, and invalid and not my debt. I did not have an account with XXXX XXXX in XXXX.