davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-18
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. (SC)

As has been the case for more then 18 month, Experian has transmitted through the United States Mail information that they know to be false, in statements concerning investigation a legally authorize dispute. Additionally due to their insecure credit reporting which offers not process of verification of accuracy, Experian has subjected me to attack by others or entities, and reporting their issues because of their lack of statutory security and verification process inaccurate reporting. 

Specifically Experian is maintaining the almost accurate report on this consumer, XXXX XXXX, Not XXXX XXXX XXXX, the additional XXXX isn't accurate, which means the report isn't accurate. Experian as advised by two credit lenders is maintaining and merging two separate credit files, one accurate associated with this consumer, and a second one operated by some entity or person using similar information. 

The merged report that Experian is subjecting me to has a name of XXXX XXXX XXXX, while removing the name from this consumers report, they refuse to remove the inaccurate information from the report. Specficially XXXX Bankruptcy XXXX is reported as XXXX XXXX XXXX, not XXXX XXXX, additionally the additional merged report operated by some person is using address XXXX XXXX XXXX, XXXX, SC XXXX, and social security number XXXX, which isn't this consumers. If the name has been removed from the report, and while similar in numbers, the number of XXXX isn't mine, since mine is XXXX. I advised Experian that their utilizing that address is creating this merging situation but they refused to address the problem. 

Specifically Experian isn't investigating anything, they are blanket stating that they verify information, as stated the bankruptcy belongs to XXXX, not XXXX which is this consumer. Experian reports an account previously removed but reinserted without the statuory requirement of notification, in the dispute on report XXXX, they removed the name that isn't verified as mine, while not removing the erroneous address of XXXX XXXX XXXX, XXXX, SC XXXX. As stated in previous disputes Experian states that creditor report this address, no creditor on my report report any such address, that's materially false. XXXX with account number XXXX, couldn't possibilily verify because on its first point its name is the name that they, Experian just removed. 

As further proof of the failure to safeguard this consumers information, the following inquiries were obtained with the following social security number but appear on my credit report, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card Appfolion residential screening
Consumer complaint received 2018-09-18
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (SC)

XX/XX/XXXX I went to XXXX XXXX XXXX. I signed up for a store credit card. I was told it would be mailed to my home. I was charged {$8.00} XX/XX/XXXX I received a late bill. I never was mailed a credit card. So, the 1st thing I received was a bill with a late fee. I was willing to pay it off. I called XXXX XXXX to advise them I NEVER received a credit card. I told them I wanted to pay off everything/close account. 
They literally told me I can't pay it all off without giving them my banking information. I was not about to give personal bank info. So, they refused to let me pay off the card/close account. I wrote to the bank that responsible for the credit card. 

XX/XX/XXXX I received a letter from the bank XXXX XXXX issues their credit cards though. The name of the bank is : XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX apologized for the inconvenience. They credited my account to a XXXX  balance. I owe nothing. Yet XXXX XXXX keeps billing me with late fees. I've told them and showed them the letter from their own bank. 

XX/XX/XXXX Still receiving monthly bills. Each time they want more money bc of late fees, even though they have the letter from their bank. I gave it to them twice. 

XX/XX/XXXX I finally wrote a personal complaint to the CEO after getting no where. 

A few days later I was contacted by XXXX XXXX. Customer Relations Representative XXXX XXXX XXXX. I explained the whole story over again. Each time XXXX XXXX acts like they get it & I won't continue to try to get more money. 

XX/XX/XXXX I received another bill from XXXX XXXX. Again, I contacted them. I sent a screen shot of the letter from their back. Again, they apologized. They said it won't happen again. 

XX/XX/XXXX Today I've received another bill with more added on late fees! 

Every single month since, they mail me bills with even more additional late fees. Each month, they say they'll stop behaving this way. It never stops. I have no idea what to do. I have the letter from their bank. I also have the latest email from XXXX XXXX acknowledging that they seen the letter from their bank & I owe them nothing. 

I don't want my credit ruined when I'm not doing anything wrong. I suffer from anxiety issues. Please help me. I don't know what to do anymore! They have proof. They admitted they are wrong. But, they just won't stop the harassment. 

Thank You, XXXX  XXXX
Consumer complaint received 2018-08-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (TX)

XXXX XXXX XXXX has re-aged an old debt, which is illegal according to FRCA. I disputed the information was disputed with the credit bureaus and the information came back as verified. I have disputed the information several times over the last ( 2 ) yrs and it still has not been addressed. I also received any information from XXXX or XXXX XXXX regarding outstanding debt I just saw it on my credit report.
Consumer complaint received 2018-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NV)

XXXX XXXX XXXX has drafted {$2600.00} of payments above my minimum mortgage payment amount. I have asked they return the money immediately, but they have yet to return any money. My last correspondence with them was XX/XX/2018, yet no reimbursement has been made.
Consumer complaint received 2018-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: COLLECTECH DIVERSIFIED, INC. (TX)

I filed for bankruptcy on XX/XX/2018. Prior to this filing Collectech Diversified never reported a collection account on my credit report. It wasn't until XX/XX/2018, that they reported this account to the credit reporting companies. My bankruptcy was discharged in XX/XX/2018. Since discharge, I have contacted Collectech Diversified, XXXX XXXX XXXX XXXX  ( the original creditor ) XXXX, XXXX and XXXX  numerous times and asked them to update their records or remove the account from my report because they are reporting inaccurate information. They continue to report this account as an open active collection account as well as negative payment information for XXXX, XXXX, XXXX and, XXXX negativity affecting my credit. I was recently denied credit by XXXX XXXX XXXX due to their false reporting, when I received the adverse action notice it listed an " Open/Active Collection Reported on Your Credit Report '' as the reason for denial. The most recent time that I contacted XXXX XXXX XXXX XXXX  and asked that they force Collectech Diversified to update this account the representative called XXXX with Collectech while I was on the phone and he again proceeded to tell the XXXX XXXX XXXX rep that they have updated it and they can't help how the credit bureaus report it. They claim that they were never notified but I have attached all of my bankruptcy information that will prove otherwise that the creditor XXXX XXXX XXXX was infact notified. If this company cant report complete accurate information they shouldnt be able to report it at all.
Consumer complaint received 2018-08-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: HW Holding, Inc (IL)

On XX/XX/2018 Hunter Warfield a collection agency called my mom who is a co signer for a leased apartment about a debt that I owe them. They violated several articles of the Federal Debt Collection Practices Act ( FDCPA ).

1. They called a house number that was never given to them and spoke to my moms estranged husband ( third party ) and the gave him personal information about this debt. His name is no where on the account and has not been given permission by my mom or myself to discuss this account as they are separated.

2. I've already set up an agreement for payment to the account and asked them to no longer call my mom on this account. My mom is elderly and they called her with threats and scare tactics in order to get a full payment out of her at that moment.

3. They threaten they would put a lease on her house which she no longer lives in because she is estranged from her husband 4. They told her she will never be able to lease or get another place to stay.

5. They told her interest and fees where being added daily and that the longer its not paid that it will cost more. And that the debt is edging up towards {$6000.00} ( false I was told {$5600.00} ) FDCPA clearly states that a collector can not misrepresent the amount. And that they can not add interest or fees not added in the original agreement. I signed a lease with a apartment complex not with Hunter warfield.

They used abusive language towards my mom trying to scare her into giving up her money and use the threat of taking a lien on her house to scare her even more.
Consumer complaint received 2018-08-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lending Club Corp (MI)

I received a letter from XXXX XXXX XXXX XXXX . Claiming that they own the rights of a debt from lending club and demanding full payment. I need full validation of this debt. I haven't heard anything from lending club regarding this matter.
Consumer complaint received 2018-09-18
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. (TN)

I sent letters to the 3 major consumer reporting agencies on XX/XX/2018, and a follow up letter on XX/XX/2018, along with my identification, and a FTC identify theft affidavit asking that they remove results and inquiries that were a result of fraud. The agencies failed to remove all the accounts listed in my original letter.
Consumer complaint received 2018-08-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (TX)

I contacted my bank after I was unable to resolve the billing error with the XXXX XXXX. XXXX XXXX stole XXXX from my card ending in XXXX. I canceled my renewal membership but still to the payment in XX/XX/18. Which was whole day before my renewal date of XX/XX/18 It was also hard to reach someone at XXXX XXXX so I contacted my bank whom I thought would protect my money. I sent an email with no response from the XXXX XXXX. On the recording message about billing issue it says once a payment is process it will not be refunded. So basically I cancel my membership in time but since they took the payment early I can't get a refund. When I disputed the charge with my bank on XX/XX/2018. They said XXXX credit will be issued on the dispute.
Consumer complaint received 2018-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (TX)

On XX/XX/2018, XXXX XXXX XXXX  gave a potential creditor information that adversely affected my ability to obtain credit. The reason stated on the letter from the lender specifically noted " distance between address and area code of phone number '' to name one. I made a call to the agency, got a recording, left a message, received an automated call back to go to the web site and follow the instruction and mail in my request. The information they are requiring me to send is the very information we are advised never to send anyone. A copy of my DL, a copy of my SS card, DOB along with general address, phone etc. Then they further add they need a copy of one of  these : utility bill, lease agreement, bank statement, voided check or mortgage document. Anyone could have a field day with that information, how ridiculous. 

This it totally unacceptable, I wouldn't send that information to anyone via mail or internet. I want the information they supplied the creditor, it is apparently inadequate, erroneous and certainly outdated. 

I also wanted to freeze my report as I have with other companies, but in order to do so you need to send the aforementioned information. 

This company is giving information that affects peoples, they need to be sure their information is accurate and customer oriented.
Consumer complaint received 2018-08-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (FL)

XXXX XXXX and XXXX got a judgement against me and I wasn't even invited to the hearing. Then they garnished my wages in XXXX. I was shocked and called them. They said I owed for a student loan and there was nothing I could do. So they garnished my wages for a while and then I got laid off. Then I got a job working for the XXXX via XXXX through XXXX XXXX XXXX and I didn't want my wages garnished again, and I was scared and ignorant and called them to do a payment plan of XXXX a month. Paid that for over a year. Then I realized that I could do an excemption as I was heal of household. Called XXXX XXXX XXXX and told them that I was going to file that, and that I was not authorizing them to take payments out of my bank account anymore. They said fine, but we'll get you when your daughter turns XXXX. I also asked them to provide me who the loan was originally from. They refused to do so. Then I got a notice from XXXX XXXX XXXX XXXX XXXX showing the loan interest I had paid for XXXX. Put the two together and realized that XXXX XXXX XXXX bought the loan from XXXX XXXX. I know of no loan that I ever had from XXXX XXXX. 
Now the my daughter has turned XXXX, they are calling me again. I am starting a new job soon working for the government through a contracter. They are obtaining a Secret Security Clearance for me, and I'm scared that the fact that XXXX XXXX XXXX garnished my wages once, and may again with my new job, that I may not be able to get the Sec. Clearance, and then I will lose my job. Please HELP!
Consumer complaint received 2018-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (TX)

XXXX and XXXX have hacked my computer due to unknown reason and they are holding my computer for ransom They refused to let me use it Ive had to change five computers Ive spent over {$5000.00} and getting my security up to par
Consumer complaint received 2018-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

My information has been breached with Equifax and my identity has been stolen. I have already resolved the issues with XXXX and XXXX but Equifax still has yet to answer my questions when I call about my credit report being compromised with accounts that do not belong with me. I have tried to file a dispute on Equifax website but was unsuccessful because it won't allow it and through mail with no responses. then I was getting spam email repeatedly with different confirmation numbers saying my dispute was completed when I wasn't able to file a dispute in the first place. Everytime i tried to check the resukts i would answer all the verification questions correctly but the screen would blank out after like someone was hacking and stealing my information on my credit. ( I attached all the fake emails I received from them ). I logged onto XXXX XXXX only to see two accounts that do not belong to me. XXXX and XXXX removed them so Equifax should fall in line and follow suit because they are violating my consumer rights under the Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX I attest that these accounts do not belong to me and I want them removed immediately to public records breached and identity theft
Consumer complaint received 2018-08-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: KEYCORP (NY)

XXXX XXXX XXXXXXXX XXXX ( which no longer exists ) has 4 outstanding loan of mine from the University at XXXX and the consistently refuse to lower the payments, work out any type of income-based repayment schedule or defer the loans in any way shape or form. It's almost criminal they way the operate and the only reason they did not sell off these loans was due to the fact that I had my father co-sign on them many years ago.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-08-11
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. (OH)

XXXX, XXXX, Experian reports the following inquiries I did not sign off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (AZ)

filed dispute Equifax refuses to provide me with my results - customer service gives out wrong phone number, refuses to help. Refuses login information, claims the identifying information I'm providing is wrong when I know precisely it is not.
Consumer complaint received 2018-08-10
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: Bepensa Capital, Inc. (TX)

In short, AFS Acceptance financed a vehicle to me in XX/XX/XXXX. The vehicle was NEVER registered to me and I have not been able to use the vehicle though I made every payment on time, through XX/XX/XXXX. Beginning XX/XX/XXXX, I requested AFS to take action to obtain the registration and license plates I had paid for and subsequently been billed for. Months passed before AFS finally contacted me to inform me they had to " double pay '' to obtain the title and would be sending me the registration/tags. I NEVER received them. I tried to trade the vehicle in for another one in XX/XX/XXXX, I was informed this vehicle was titled in someone else 's name and had a different lien holder listed. In XX/XX/XXXX, AFS 's Title Manager admitted to me that AFS had NEVER obtained a title for the vehicle. I asked for the amount I had been billed upon the loan initiation ( for taxes, tags, documentation fees, and registration fees ) to be credited to my account from the date of initiation so that I would also be credited for the finance charge for said monies. SHE REFUSED. She also informed me AFS had filed for a bonded title with the State of Texas in late XX/XX/XXXX. In XX/XX/XXXX, I filed a complaint against the auto dealership and then found out AFS had NEVER applied for any bonded title. I contacted an attorney at that time and was instructed NOT to pay anymore on this fraudulent loan. AFS was informed of my intent to sue and they were also instructed NOT to make any false or negative reports to the Credit Bureaus. I am providing documentation including emails from AFS representatives LIEING to me about having possession of the title, and correspondence from my attorney, XXXX XXXX. I can also provide a chronology of events with evidence I have to substantiate my claims. I do not want AFS to have access to those documents at this time as there is a lawsuit pending for Deceptive Trade Practices and Fraud.
Consumer complaint received 2018-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

You all are reporting that my credit I was late XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018. My records indicate that I have never had a late payment. Its currently reporting that I am still late.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

CREDIT BUREAU : EQUIFAX FRAUDULENT ACCOUNTS THAT ARE REPORTING ON CONSUMER REPORT : 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 EQUIFAX IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES REPORTED WAS FRAUD.COMPANY HAD 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. FTC FRAUD REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING EQUIFAX TO PROVIDE THE DOCUMENTATION USED TO DETERMINE INQUIRY AND OR ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER. EQUIFAX HAS 15 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( S ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR E-OSCAR REPORT. IF EQUIFAX DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. EQUIFAX COMMISSION FILE NUMBER XXXXXXXX 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. I WILL BE FILING 211 TREASURY OMB FORMS TO AUDIT CONSUMERS ACCOUNT. EQUIFAX IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.