davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. ()

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and XXXX asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 


XXXX # XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of a few XXXX credit card accounts. 
ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME :XX/XX/XXXXACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME :XX/XX/XXXXCCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXXXX/XX/XXXX ( Original Creditor : XXXX XX/XX/XXXX ) ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : ( Original Creditor : XXXX XXXX ) ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXXXX/XX/XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXXXX/XX/XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress and financial hardship. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) and # ( XXXX ) as proof from the XXXX Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.
Consumer complaint received 2021-01-26
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. (NJ)

HI AM UPSET THAT ON XX/XX/2015 XXXX XXXX WAS ON MY CREDIT. THIS COLLECTION IS NOT MINE AND I CANT MOVE FOWARD WITH MY LIFE WITH THIS COLLECTION. IT IS FARDULAENT AND NOT MINE. I HAVE XXXX KIDS THAT I AM TRYING TO MAKE A BETTER LIFE FOR BUT I CANT BECAUSE OF THIS. I NEED THIS REMOVED ASAP SO I CAN START MY NEW JOUNERY
Consumer complaint received 2020-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (PA)

Reliacard and US Bank are fraudulently withholding unemployment benefits. 

Reliacard is a joke. Theyre holding UC money and do not care how long they withhold it for. 

Funds have been unavailable for 3+ weeks and they have no incentive to provide quality service. 

If you want more info just look at XXXX posts about the scam artist company.
Consumer complaint received 2020-10-14
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: U.S. BANCORP (OH)

I had a fraudulent charge on my US Bank XXXX XXXX card ending in XXXX. 

Their customer service that handles disputes does not even look at each dispute before making a decision. They closed my dispute because they saw a refund that was NOT related to the fraudulent charge. Getting through to customer service is impossible. 

I have a clearly fraudulent charge that US Bank will not even look at anymore because of a refund that is not even related to the fraud charge!
Consumer complaint received 2019-11-06
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2017-07-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

It is with great frustration and desperation that I write to you requesting that you please help me out. I have provided several packages of my financial documentation to XXXX XXXX to no success. My loan now is serviced by Rushmore loan management and also to no success. I have provided in the last 2 months two full loan packages with all my updated information from me and my brother who is the co borrower on this loan to Rushmore.
I have provided a package on XXXX/XXXX/2017 and another full package on XXXX/XXXX/2017.
About two years ago our lives became a nightmare, when suddenly we were both Silverado and I left without a job at the same time.. It was then that we began to struggle. Unfortunately we defaulted on our mortgage. However, we immediately contacted XXXX XXXX and advice them of our situation and provided our financial documentation as requested it by them. We immediately began to search for jobs.
Our main interest was to get a job so we can retain our home. These were circumstances beyond our control. All we were requesting was help for a short period of time.. Six months after this horrific situation we found jobs.
We needed a work out plan that will keep us from foreclosing and avoid further delinquencies.
Rushmore has advice that they will not consider our package for we did not presented the package before 37 days of the sale day. Our home has a sale day of XXXX XXXX, 20 17. Please hear me out I need to keep my home.
We both have worked very hard and had never defaulted before..
I am asking that Rushmore allow us a chance to proof them different.
I understand that you will review my complaint expeditiously based on the explanation of my complaint and information provided.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Trafficking Block Request To Whom it May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Address XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX Account name XXXX Account number XXXX Account name XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXXXXXX XXXX XXXX Account number XXXX Account XXXX XXXXXXXX XXXX Account number XXXX Account name XXXXXXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX INQUIRIES XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Please block this information from my credit report within four business days , pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX Enclosures Proof of identity Trafficking documentation
Consumer complaint received 2020-10-14
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: JPMORGAN CHASE & CO. (AL)

I had disputed an amount for airline tickets because my flight was cancelled by XXXX XXXX. After months of faxing the supporting documents for my dispute, I was finally issued a credit on my account for the amount disputed in XXXX. Today, I received another letter, stating something different ... that there has been an update on the account and the update states that I was issued a courtesy credit instead of a credit because so much time had passed since my initial dispute ( due to Chase taking several months ). The Update states that the account of courtesy credit will now be sent over to the IRS as forgiven debt and I will have to pay taxes on {$4000.00}. I had a long conversation with LiWay tonight who advised me there was nothing Chase could do. Please advise on how to proceed. I dont believe I should have this tax liability on a trip that was cancelled by XXXX XXXX back in XXXX. Thank you, in advance for your help!
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WI)

RE : Social Security Number : XXXX To Whom It May Concern : Pursuant 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX XXXX, WI XXXX Please PERMANENTLY delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. Wrong addresses : XXXX XXXX XXXX XXXX XXXX, WI XXXX and XXXX XXXX XXXX XXXX XXXX, WI XXXX Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX, WI XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I always make my payments on time. Im certain of that. What confuses me is why this company is showing me as late on some months. According to USC 1666b, any billing mistakes should be fixed, and my account should be marked as paid on time.
Consumer complaint received 2019-03-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NC)

My son needed a co-signer to sign to help him get loans to go to school. That was in XXXX. I have been making payments on this loan since XXXX.. It started out with one co. and now it has changed hands three more times and Navient has it now and they just seem to be the biggest thieves I have ever seen. The original loan amount was XXXX.. and now it is down to {$11000.00}. ( this co. got my account in XXXX ) all except a few months, I have made more than the minimum payment.. I know it was down to {$8000.00} with one of the other loan. co. 
This company is charging it on the whole amount.. They said my pay off should be in XXXX. and charging me 10.5 % interest.. When I try to talk to them, they won't give me the answers because the loan is in my son 's name, but they want me to pay because I am the co- signer. ( his other loans are being garnished from my paycheck at 15 % per check ) .. 
It doesn't seem fair that when a parent tries to help their kids go to college with a parent- plus loan, then when the bills come due it is the parents problem and the kid isn't responsible or their credit ruined like the parents are. Navient is the worse company, I have ever dealt with. I am hoping you can help.
Consumer complaint received 2019-11-06
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: FORD MOTOR CREDIT CO. (NC)

I FILED A DISPUTED WITH XXXX BACK IN XXXX OF 2019 WITH SEVERAL AUTO LOANS THAT WERE TAKEN OUT IN MY NAME WITH FORD CREDIT, THE FRAUD REP WITH XXXX SAID HE'LL REMOVE AND BACK THE ACCOUNTS AND IF THE BANK THINKS THE INFORMATION IS CORRECT THEY ONKY HAVE 30 DAYS FROM WHEN THE ACCOUNT IS BLOCKED. NOW 5 MO LATER XXXX  REMOVES THE BLOCK AND PLACES THE ACCOUNTS BACK ON MY CREDIT FILE AND HAS POLICE REPORTS ON FILE VERIFIED AND FTC REPORT VERIFIED AND COURT DOCUMENTS VERIFIED AND NOW THEY SAY THERE NOT VERIFIED AND THERE FAKE, WELL IF THATS THE CASE LOCK ME UP! NOT ONE DOCUMENT IS FAKE AND XXXX  CLEARLY TOOK FORD MOTOR CREDITS SIDE, THE FRAUD REP I TALK TO ON XX/XX/2019 WITH XXXX   FRAUD DEPARTMENT STATED, FORD IS A BIG DATA ACCOUNT FOR US AND WE DON'T WANT TO DO ANYTHING TO MAKE THEM MAD. SO THEY RATHER MAKE ME LOSS EVERYTHING I OWN AND WORKED HARD FOR JUST TO MAKE FORD CREDIT HAPPY. THE XXXX  FRAUD DEPARTMENT ALSO SAID CLEARLY THIS ACCOUNT IS FRAUD AND YOU HAVE ALL YOUR DOCUMENTS IN ORDER BUT WE JUST CANT HELP YOU ANY MORE. I HAVE A XXXX XXXX IN XXXX  XXXX  AND WORKED FOR XXXX CONSUMER AFFAIRS  AND XXXX   CONSUMER AFFAIRS AND KNOW WHAT THE FAIR REPORTING ACT IS AND XXXX  DOES'NT. I'VE ALREADY CONTACTED MY LEGAL TEAM TO FILE SUIT AGAINST THEM FOR DISCRIMIATON.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Dear Sir/Madam, I am writing to dispute recent fraudulent activity associated with my credit report. XXXX XXXX XXXX and XXXX XXXX is reporting to the credit bureaus I have an account with them and. I do not or ever have. I have reason to believe that fraudulent verification of debt has occurred without any contractual basis or sufficient evidence. 
Upon reviewing the documentation AND the information from representatives of both parties, it has become apparent that the verification process was not conducted properly & solely through audio recordings, with no accompanying contract or agreement. This raises significant concerns regarding the legitimacy and legality of the verification process. 
As a responsible customer, I have always maintained clear and transparent communication regarding my financial obligations. However, the absence of a formal contract or agreement undermines the integrity of this process and casts doubt on the validity of the verification. 
Furthermore, relying solely on things like audio recordings for debt verification lacks transparency and fails to provide adequate evidence to support the process. Without a written agreement outlining the terms and conditions of the debt verification ( WHICH CAN ALSO BE FABRICATED ), I can not accept the validity of this process. 
I kindly request that both XXXX XXXX XXXX and XXXX XXXX ( XXXX ) BE REMOVED OR provide me with the following information to address this matter : A copy of the original contract FROM THE DEALERSHIP THIS LOAN WAS ESTABLISHED FROM. 
Any documentation supporting the use of audio recordings as a valid method of debt verification. 
Clarification on how the verification process was conducted and how it complies with relevant regulations and legal standards.
Consumer complaint received 2017-06-02
Product: Debt collection — Mortgage debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: WESTSTAR MORTGAGE CORPORATION (MD)

I am currently  one  month behind on our mortgage payment and working hard to get it back up to date.  WestStar  Mortgage  Company  has been contacting my relatives stating they are calling regarding an active loan in my name and they need to locate me. No one needs to know anything about my loan  (  even that said loan exists ) except me and anyone who I legally state can be given information on the record. I have done no such thing, and now that others are aware that I have a loan with  WestStar I fe el my rights have been violated.
Consumer complaint received 2017-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (CA)

On XX/XX/XXXX I called Discovercard to find out what the " DiscoverPaymentProtection '' fee was on my account. I found out that I had been enrolled in this program since XX/XX/XXXX. I asked what is was and after they explained the plan to me, I said this might have been helpful to know when I had been out of work for almost 2 years and had to take time off to care for my mother during her XXXX/recovery from them XXXX her XXXX XXXX. I asked how I was enrolled, but after this period of time, they would not have any records of how I was enrolled. The agent stated that I would have been notified once or twice a year in the mail, but I stated when I receive anything from Discover it is usually Balance Transfer checks and I just shred them immediately. Anyway, I asked since I was not made aware of this, was I able to get the fees returned. She said if I cancel, they would refund me the most recent statement of {$130.00}. I asked if there had been a Class Action on this. After a few minutes on hold, she advise there was, but that I was not put on it and would n't have been notified. I asked why and she said she did n't know. I asked for the information and was directed to this site. I was n't sure what to do, so I am submitted a claim. I just want the fees returned. I did not know about it and if I knew, I would have needed it back when I was unemployed for about 2 years struggling and during the 3 weeks I was caring for my mother.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SECURITY FREEZE
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2017-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY (MI)

I call the bank on XX/XX/XXXX to add a mailing a address to my newly approved Wells Fargo XXXX XXXX card, they told me to call back on the next business day to update that info. then call back the XX/XX/XXXX, got the info updated and was awaiting for new card to arrive in the mail the said it will take 5 to 7 day. I called the XX/XX/XXXX spoke to female she said there was no card there for me no even my XXXX card, she hung up call back go to male buy the name of XXXX he told me that the card was shipped out on the XX/XX/XXXX he also said I should give it two more business days because there might be a delay. I waited until the XX/XX/XXXX the card did not arrive call the bank then they say that they are send me my card express, they could n't do they said that there are fraud on my account. I the bank today XX/XX/XXXX one rep told the account was closed hang up I called ask for supervisor then a manager when I spoke with the manager she said everything is gon na be ok she is gon na have a department call me back to fix the issue I have within 2 hours waited 3 hours no call the name to the manger was XXXX, After waiting for the call I call ask for a supervisor got connect to one by the name of XXXX I explained to bill what happened then he said that 's not what he is seeing in the note he checked twice still nothing when I played recording from XXXX 's call when he checked the 3rd time that when it magically appeared back in the note the he advised me that no one will be calling me back. they are note treating me right Wells Fargo should be more customer friendly and let the application process be smooth