davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-27
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: Experian Information Solutions Inc. (PA)

hard inquiries on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2018-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

When I received my latest mortgage statement, I noticed a late charge on the statement. I called XXXX and spoke with a representative and said we received the bill on the XXXX and it is due on the XXXX. There is no way the payment would reach XXXX by that date. The representative said she would waive the late charge since it was not our fault that the payment was mailed late from their office. We have NEVER had a late charge until this last statement, since now they are mailing the statements late. We should not have to pay the price for the mortgage company 's late statement mailings. This late charge information is destroying not only my credit but that of my wife 's also.
Consumer complaint received 2022-11-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (NM)

I checked my credit found this collection account on my credit report Southwest Credit System I was unaware I dont recall get any information on this account or any notice to dispute it I did dispute it with Credit they were removed for 4 days and they put it back on. Under FDCPA Law I had to recive action notice and write to dispute the account. I did not. I want this account removed from my credit and throw it away
Consumer complaint received 2024-09-11
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: EQUIFAX, INC. (FL)

Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX XXXX Account XXXX Date of Charge Off : XX/XX/year> Amount : {$1900.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. EQUIFAX refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that EQUIFAX upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-27
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Exeter Finance, LLC. (NV)

Exeter Finance LLC is reporting an auto loan as a joint owner to my credit report. I have not sign or given my authorization to get any vehicle under my name as primary or co-signer. This vehicle begin reported in my credit report is affecting my finance reputation notability.
Consumer complaint received 2022-11-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (PA)

It started in XXXX, with Sallie Mae, when I was attending school & had to defer due to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My co-signer & I were unable to afford my payments at this time & they would not work with us to help us find a repayment plan that would be feasible at this time. We opted to use the 6 month forbearance period. Fast forward to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX. Sallie Mae immediately started repayments 2 weeks after graduation. When I asked why this was, as most loan providers allow you to have 6 months before repayments start, they stated that I had already used that period when I needed to defer from college the first time, so I needed to start paying. I explained to them that this was not feasible as I had not even taken my XXXX  yet & did not begin working. They basically said that I needed to find a way to pay them & if not, too bad. At this time, I chose to do a 6 month period of just paying the interest rate for my loans which varied between XXXX  XXXX {$490.00} as the interest rates are around 12 %. The payments after those 6 months increased to about XXXX XXXXXXXX {$550.00} which was somewhat affordable due to me working at this time. Now, the payment due for XX/XX/XXXX, has jumped to {$730.00} as the interest rate of my loan was raised to 14 %. When my co-signer & I spoke to the company when we chose to just do the interest rate payments for a few months, they stated that the interest rate would continue to go down as I made on time payments ( which have all been on time in the last 5 months ) but this has proved to be untrue. 14 % as an interest rate is absolutely absurd & something that I am unable to afford & the company will not work with me with. Unfortunately, most places will not allow you to refinance for at least a year after making on time payments, & I will never be capable of paying these loans off regardless of paying extra monthly.
Consumer complaint received 2022-11-28
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: Fidelity National Information Services, Inc. (FNIS) (NC)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, North Carolina, XXXX ( XXXX ) XXXX XX/XX/2022 Subject : REQUEST TO REMOVE THE FRAUDULENT ENRY I am writing to dispute a fraudulent items on my credit report. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of Identity Theft. I am writing to dispute a fraudulent items ) on my credit report. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft. Thus, I am requesting that the fraudulent items ) be removed from my credit report immediately. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : 1. Proof of my identity ( Notary Acknowledgement ) ; 2. A fraudulent item ( s ) list ; 3. A copy of my Identity Theft Report supporting my position ; 4. A copy of section 605B of the Fair Credit Reporting Act ( " FCRA '' ), which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information ; 5. A copy of section 615 ( f ) and 623 ( a ) ( 6 ) of the FCRA, which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing.30 days window so as to avoid any FCRA violation. Please investigate this matter and remove the fraudulent entry immediately. I appreciate your prompt attention to this matter. 
Sincerely, 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  Tx XXXX I am disputing this claim due to : I Have no Knowledge of these Bank Account 's. They are Fraudelent and I am requesting that it be removed immediately. I have recently found out that my information was involved in a data leak. 
This is my official request to have the aforementioned item to be deleted off my credit report. 
Enclosed may be additional evidence to support my claim.
Consumer complaint received 2022-11-28
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: Experian Information Solutions Inc. (MA)

My information might have been impacted by data breach and my have got into the hands of the wrong person. below i do describe the company and date when the inquiries happened. thanks 1. XXXX XXXX XXXX XXXX  inquiry made XX/XX/XXXX. 
2.XXXX XXXX XXXX XXXX  inquiry made XX/XX/XXXX. 
3. XXXX XXXX  inquiry made XX/XX/XXXX 4 XXXX XXXX inquiry made XX/XX/XXXX 5. XXXXXXXX XXXX XXXX XXXXXXXX made XX/XX/XXXX 6. XXXX XXXX inquiry made XX/XX/XXXX 7. XXXX XXXX inquiry made XX/XX/XXXX 8. XXXX  inquiry made XX/XX/XXXX 9. XXXX  inquiry made XX/XX/XXXX 10XXXX XXXX XXXX XXXXnquiry made XX/XX/XXXX 11. XXXX XXXX inquiry made XX/XX/XXXX 12. XXXX  inquiry made XX/XX/XXXX 13. XXXX XXXX inquiry made XX/XX/XXXX 14. XXXX  inquiry made XX/XX/XXXX
Consumer complaint received 2022-12-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (VA)

I sent money via zelle on XX/XX/XXXX for a service to a XXXX XXXX. The service was cancelled on XX/XX/XXXX with a promise to refund the monies to me. I sent a request via Zelle to XXXX XXXX to refund the money which was not done. I have correspondence with XXXX XXXX stating she would refund the money but have not received it. I made a dispute via Zelle because the service was not received. Zelle denied my dispute even though I have now been scammed out of my money. Zelle is making it easy for people to scam others and leave them with little to no recourse. I have also filed a complaint with the XXXX XXXX XXXX for XXXX XXXX and her company.
Consumer complaint received 2022-11-28
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: Experian Information Solutions Inc. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX  XXXX XXXX XX/XX/2022 ; XXXXXXXX XXXX XXXXXXXX  XX/XX/2022
Consumer complaint received 2022-11-27
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: Experian Information Solutions Inc. (KY)

In accordance with the Fair Credit Reporting Act, the account below has violated my federally protected consumer rights : XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S. Code 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. This account is violating my Health Insurance Portability and Accountability Act of 1996 ( HIPAA ) is a federal law that required the creation of national standards to protect sensitive patient health information from being disclosed without the patient 's consent or knowledge. I did not know, or authorize my medical information be disclosed to anyone for any reason.
Consumer complaint received 2022-11-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (NV)

When I noticed this account showing up on my credit report I sent a letter to Aargon Collection Agency attempting to notify them that the therefore mentioned account does not belong to me. I never received a debt verification letter from the collection agency as requested by FDCPA giving me the opportunity to dispute this account within 30 days before begin reported it to my credit report or for them to assume that this is a valid debt and start a collection in fact. 
This account is begin reported to my credit file with the major credit bureaus without any legal or valid fundament causing me several financial and reputation damages. This complaint is an attempt to resolve this issue with good faith before proceeding with a demand letter and legal action to pursue compensation and damages. 
I also tried to dispute this account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and I haven't seen a fair outcome.
Consumer complaint received 2018-10-04
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: BlueChip Financial (WI)

XXXX XXXX  phone number XXXX. 
Called me and threatened to take me to court they also threatened to garnish my wages from work. I only make minimum wage at work and my second source of income is Social Security XXXX. They told me that this involved a payday loan that I took out from XXXX XXXX over a year ago. Which is now gone up to {$710.00} according to XXXX XXXX. When I called XXXX XXXX they told me that they sold my account papers over to XXXX XXXX. Spot loans number is ( XXXX ) XXXX. Attached is part of the second source of my income which is Social Security XXXX.
Consumer complaint received 2022-11-27
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: Army and Air Force Exchange Service (OK)

I purchased a sofa using the XXXX XXXX XXXX website on XXXX XXXX XXXX When it arrived the sofa was destroyed and I immediately called to get it returned. They came to pick it up a few days later and confirmed it arrived back to them. It cost {$990.00} and the Reference # is XXXX XXXX I have been calling the Exchange and the Star Card customer support multiple times every month to get a refund. I hear the same thing every time and nothing is being resolved. They tell me that a department needs to sign a document to get the refund but they failed to do so and will get it done today. Then I should get the refund in 3-5 business days. After eight months and over fifty phone calls I still haven't received the money back.
Consumer complaint received 2022-11-27
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

In XXXX of this year ( XXXX ) my XXXX XXXX XXXX which i leased from Toyota Financial was repossessed from me on the week after my 3rd missed payment. Then within a couple of weeks they sold it out from under me while i was trying to settle the matter by taking care of the balance. Then even after the sale and to date the balance still shows due and my credit has taken a huge hit without my authorization. There are multiple agency 's who have violated my rights in this situation considering the fact that according to XXXX  XXXX XXXX XXXX and as an XXXX XXXX all my debts are supposed to be paid for me. That is a separate Tax related matter i will be dealing with soon. But for now i need to deal with these crooked crooks at the banks.
Consumer complaint received 2024-10-09
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. (GA)

These accounts and inquiries are involved in litigation and does 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 in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2016-05-06
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Herbert P. Sears Co., Inc. (AZ)

XXXX XXXX was paid in full years ago. My insurance covered most of the amount and I paid the rest. I have cancelled checks to prove it. 

Last year they sold the amount I had already paid to a collection agency. I disputed it and it was removed from the credit reports. Now, today I am notified that they have sold the same amount to another Collection agency. My credit score dropped over XXXX points in one day. 

This affects my interest rates. Do I need an attorney? It can take months to resolve this and I will be paying higher interest until it is solved.
Consumer complaint received 2022-11-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (NV)

When I noticed this account showing up on my credit report I sent a letter to IQ Data International , Inc attempting to notify them that the therefore mentioned account does not belong to me. I never received a debt verification letter from the collection agency as requested by FDCPA giving me the opportunity to dispute this account within 30 days before begin reported it to my credit report or for them to assume that this is a valid debt and start a collection in fact. 
This account is begin reported to my credit file with the major credit bureaus without any legal or valid fundament causing me several financial and reputation damages. This complaint is an attempt to resolve this issue with good faith before proceeding with a demand letter and legal action to pursue compensation and damages.
Consumer complaint received 2023-06-26
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (WV)

Can Wells Fargo produce the mortgage loan note? Does Wells Fargo own the mortgage loan note? Who actually owns the north loan for the property located at, XXXX XXXX XXXX XXXX XXXXXXXX XXXX? 
XXXX XXXX. XXXX for mortgage violations. 
XXXX XXXX XXXX Improper mortgage lending practices. 
XXXX XXXX XXXX. XXXX for fake accounts. 
XXXX XXXX XXXX. For actions during the subprime mortgage lending. 
XXXX XXXX XXXX XXXX for fraudulent sales practices XXXX. 
XXXX XXXX XXXX XXXX overcharges lates fees and other charges XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, the illegal sales practices began high pressure loan. 
XX/XX/XXXX. The illegal closing on the property at XXXX XXXX XXXX XXXX XXXX XXXX 
Could not get insurance with a major insurance company The taxes owes and lien with the tax lien being sold! 
Loan closing document 2 highlighted area proves the sale was illegal. 
The loan was a HUD loan as proven in the closing documents. 
The constant changing of the actual mortgage payment due. 
The inconsistency in the mortgage statements, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX showing the accidental death insurance, never authorized, NJ, never reflecting the death insurance. NJ, also showing XXXX statements with amounts due, the amount before the XXXX, loan modification! 
XXXX loan modification photocopied documents and the original loan modification document, proof the manipulation and theft of our account. Shows the blatant fraudulent practices then. 
The repeated responses to our complaints saying numerous times that Wells Fargo can by law only access the last 7 years. 
Wells Fargo employees responding and blatantly lying and still defrauding us, 19 years! 
The XX/XX/XXXX XXXX XXXX payment, result of Deferred Prosecution agreement in criminal matter, Settlement of civil claims and FIRREA and resolution of SEC proceedings, is an agreement Wells Fargo made, to compensate the consumer, us,! XXXX XXXX from this fine is exactly what Wells Fargo agreed to do! 
XX/XX/XXXX. XXXX XXXX for improper mortgage lending practices. This is yet another fine that the XXXX XXXX Im asking for can be paid from. 
XXXX XXXX XXXX XXXXXXXX for fake accounts, again another fine and violation the XXXX XXXX XXXX asking for! 
Every fine and violation stated can be used to compensate us the XXXX XXXX we are asking for. We have proven we have been the victims of the illegal practices and actions by Wells Fargo bank and mortgage companies for 20 years. 
We have proven the criminal actions and we are demanding compensation of XXXX XXXX dollars.
Consumer complaint received 2022-11-27
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: LEXISNEXIS (TN)

On XX/XX/22, I alerted the consumer reporting agencies that I am a victim of identity theft. XXXX XXXX says that you must remove and block any information from the file of a consumer that the consumer says is a result of alleged identity theft within XXXX XXXX XXXX It has been well beyond XXXX XXXX and the accounts remain. Also XXXX XXXX and XXXX have charged the fraud accounts off and sold them to collection companies. It is illegal for a company to report a charge off. The XXXX considers this income. This is tax fraud. This is also a violation of XXXX XXXX XXXX XXXX b by not reporting accurate information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX says that you can not furnish an account without my written consent. I have not given anyone written permission.