davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-19
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. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Consumer complaint received 2023-12-02
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. (MD)

I see unauthorized credit hits on my Experian report. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-02
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. (AL)

My personal information was leaked/impacted due to an Equifax data breach. There are unauthorized items that are not related to any transactions by me : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX. XXXX - XXXX XXXX
Consumer complaint received 2023-12-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (TX)

I have a Bilt card through Wells Fargo that I use the pay my rent and earn points monthly. On XX/XX/XXXX several charges hit my account that were not made by me totaling XXXX. I called and opened up an investigation and the company removed some of the fraudulent transactions but still left XXXX on the account and will not remove it after a few open claims for fraud. I contacted the merchant, XXXX and they also had no record of the charges attached to my account. They claim by answering their text messaging system asking if a purchase was valid, I am now liable for the full amount. The charges for XXXX hit my account XXXX times within the same second and it is very clear that it is fraudulent. Wells Fargo is holding me liable for a purchase that I did not make at all.
Consumer complaint received 2023-12-04
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. (FL)

These Companies have engaged is abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished these accounts that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More less they did not follow the proper five step validation procedure which make this unfair practices. According to the FDCPA I'M ENTITLED TO XXXX DOLLARS PER VIOLATION AND CLEARLY THEY VIOLATED MY RIGHT!
Consumer complaint received 2023-12-02
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. (WI)

I have did disputes with Equifax and XXXX for over 8 months on inquiries that i disputed on their respected sites, going all the way back to XX/XX/2023, they refuse to removed them, I've disputed the same items again multiple times since XXXX when i learned of them via my credit report. Their still there, I'm a XXXX XXXX XXXX XXXX XXXX XXXX, with XXXX, I'm working thru a temp agency now, I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i have to ride the city bus which exacerbates my injuries, I've been trying for over 8 months to get and auto loan. I've been turned down twice just recently, because when the Banks look at all the inquiries they get spooked. This is effecting my ability to get fair treatment in lending, a vehicle would give me more opportunity in the job market outside the bus areas. I've called them both and each time i wait and nothing changes. I have plenty medical issues, I'm on about XXXX XXXX XXXX XXXX XXXX, i have XXXX, i live in a cold climate, if i slip and fall this winter while on a bus stop in 30 below zero weather, someone will be to blame. I've done all the appropriate things, to build good credit, i never been late on payments on the new cards i received over the last 8 months. I've explained this to the Car agencies and the answer is till no. I think if you look into this, it's discrimination going on in this current climate more than usual, PLEASE ASSIST THE DEAD OF WINTER IS COMING THANK YOU
Consumer complaint received 2023-12-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: REGIONS FINANCIAL CORPORATION (IN)

I recently met with local branch manager to discuss options for HELOC. I was concerned about a drop in my credit score over the last year, and a fair amount of debt. I wanted to see if I had options prior to diving into an application that would ultimately have a further impact on my credit score from a hard inquiry. The manager told me my credit score was fine, and we could proceed with application for a {$36000.00} HELOC. He was confident of success, especially as we would consolidate some of my debt. 
However, the application was ultimately declined, due to " not meeting their underwriting scoring criteria '', for the following reasons : 1. Too many recent inquiries 2. Number of accounts over 30 days delinquent 3. Insufficient mortgage credit history/not enough information The only one of those three reasons that is accurate is that there have been a few recent inquiries on my report. 
I have NO delinquent accounts showing on any of my credit reports, and Regions Bank have failed to provide me with information about these alleged delinquencies ... they refer me back to the credit bureau, which has no derogatory information. 
Also, Regions holds my mortgage loan so I am baffled as to the allegation of " lack of information ''. If they mean that I simply have not held my mortgage loan long enough, why did the allow the process to start? Again, they hold my mortgage so they knew at the start how long I have had it I approached the manager in good faith, with all my cards on the table. My mortgage information has always been available to them from the start, since the loan is held and serviced by Regions. At the very least, I should be entitled to a copy of the negative information that was reported, and the source so that I can fix any inaccurate reporting. I should not just be fobbed off and told to ask the credit bureau - who is clearly not the source of any negative reporting. I monitor my credit very closely and I have no derogatory information on my record. 

Their " underwriting scoring '' practice is very concerning to me ; I was approved for my first mortgage of {$120000.00}, by the same bank, with less than FIVE MONTHS of full time employment ( I had been unemployed for ten years prior to that ). I have banked with Regions for five years, have checking savings and a personal line of credit, all of which have been conducted satisfactorily, without as much as a late fee or overdraft fee. How do I not meet these " secret scoring requirements '' after three years of stable employment and credit, but can get more than 3 times the ask with little to no history? Sounds a bit dubious to say the least.
Consumer complaint received 2023-12-02
Product: Credit 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: TD BANK US HOLDING COMPANY (CA)

On XX/XX/13 my wallet was stolen. I got 2 Target credit cards that did not work after i reported theft. On XX/XX/XXXX i called to make a payment and found my account in a negative {$4700.00}. Someone had made a Target credit card online account and paid my account twice. Then charged 2 purchases XXXX with a card i never received. I sent a fraud questionnaire reporting the 2 fraudulent payments and 2 purchases. I am certain this occurence is identity theft. I froze my credit bureaus, i put extra security on my social security and kept calling Target 2x a week for updates. 
My life has been in upheavle. I am a struggling single parent and take care of my mom. 
I have only received 3 letters from them 1 stating that MY payment of {$4900.00} was not cleared ( i never made a payment of that amount ) and another said that Target made a mistake in paying {$4900.00} to my account. They credited the 2 fraudulent purchases. 
Now they said today they will not honor any compromise for all the trouble this identity theft cost me. Isn't it a crime to knowingly allow my account to be exposed to someone else? This person created an online account and paid my balance to then use my information? Isn't Target wrong to not acknowledge the trouble and stress i experienced. I would like to lower my balance and set a payoff amount and close business with Target. 
I have copies of everything. I will not sit back and allow such unfairness to befall me while they pretend reverting everything the perpetrator and themselves did and then tell me it's 'fixed '. 
Please help. I can not afford a lawyer. I know what happened to me was wrong and i was honest to report it.
Consumer complaint received 2023-12-05
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. (AZ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX  XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance XXXX {$2000.00} XXXX XXXX  XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$2000.00}
Consumer complaint received 2015-07-22
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Alliant Capital Management LLC (GA)

The company, Alliant Capital Management LLC, harasses me by telephoning my cell and work numbers and my relatives continuously. The messages left on my phone has been " this is a courtesy call, documents are being filed today in court against you ''. I did not return their unwarranted calls after viewing the company 's reputation on the Internet. If was only after my relatives complained about the calls that I called them back. I insisted that the company needs to be send me a letter concerning any alleged debt to my home address via US Postmaster. Instead, I received an email stating that I had agreed to a payment plan and that they had my bank account information. The email mentioned the original creditor of " XXXX '' which I found out was a payday loan company which is illegal in my state of residence of Georgia. I am sending a certified letter today prohibiting further contact from this company by phone calls. Also, I clarified that I dispute the validity of the alleged debt. In addition, I notified my banking institution of possible fraudulent behavior.
Consumer complaint received 2016-02-04
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Risecredit, LLC (OH)

Hi, I have asked to not be contacted at work because I am not allowed to receive personal phone calls or visits of any kind. The person I spoke with on the phone today stated that they would call my work even though I agreed to use their website to set up a payment plan.
Consumer complaint received 2023-12-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

In XXXXXXXX XXXX XXXX I bought I car from US Auto Sales in XXXX Ga. I was making payments and lost my job on XX/XX/XXXX. But started new job in XXXX and when I called to make payment no one answered and then I just got busy signal afterwards. So I didn't know what to do or who to call. I never received anything about US Auto Sales Closing or transferring loan over to another company. I also never received anything from the other company who taken over for US Auto Sales. So I didn't know where to send payments or how to make them. Then on XX/XX/2023 my car was repoed. The towing company never let me know anything and didn't let me get my belongings out of the car. I don't know what towing company it was and they dragged the car leaving XXXX marks in my driveway. I received a letter on XX/XX/2023 stating that westlake portfolio management stating they will sell my vehicle at private sale sometime after XXXX XXXX on XX/XX/2023.
Consumer complaint received 2023-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (OH)

Just prior to having our mortgage turned over to Mr. Cooper/ Rushmore Servicing we paid our previous loan holder an estimated escrow shortage of {$640.00} in full. The escrow analysis indicated that we must have {$2500.00} in the escrow account upon transfer and exactly that amount was reflected on both the Mr. Cooper/ Rushmore Servicing website and our first payment statement. We paid the {$640.00} escrow shortage in full to avoid an additional {$53.00} being added to our monthly payment but yep, you guessed it. Even with the escrow account being in good standing the company insists that the extra {$53.00} is due on monthly basis. Long story short we refuse to pay for an escrow shortage that doesn't exist and have paid by check with correspondence and documentation as to why our payment didn't reflect the amount shown on the statement, along with repeated requests they adjust our escrow payment to the amount shown due in our escrow analysis. They refuse, and yesterday, with absolutely no warning, Mr. Cooper / Rushmore Servicing " unapplied '' all the payments we've paid, {$3400.00} to be exact, and are now showing our account as 60 days past due. We're talking a total of {$130.00} that's in dispute at this point. A dispute that never would have happened had they simply looked at their own records and corrected their mistake. We wish you good luck if you're ever unfortunate enough to have to deal with this outfit.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (TX)

This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2015-06-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

I have had an outstanding balance on my credit report over the years which I never even used. My credit has been used by somebody in my family which I have never figured out. The issue has never been resolved and I ca n't do anything because my credit been like this over the year. I have a outstanding balance of electricity and loans taken out which are not from me.
Consumer complaint received 2023-12-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (UT)

It appears the Synchrony has taken over Chevron credit cards. In so doing, I now must sign up for e-delivered statements in order to even see and download a statement on line. I can not believe a credit card company can do that. Plus, I didn't even get my paper copy of the statement this month and the only remedy is to request a duplicate paper statement. Talk about trying to force customers to e-delivery.
Consumer complaint received 2023-12-02
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PENNYMAC LOAN SERVICES, LLC. (MA)

I WOULD LIKE TO REMOVE ALL INQUIRIES IN MY CREDIT CARDS ACCOUNTS WITH NO QUESTIONS ASK IF YOU COULD HELP ME TO REMOVE ALL INQUIRIES IN MY CREDIT CARDS ACCOUNTS, MORGAGES I WILL APPRECIATE.
Consumer complaint received 2023-12-02
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. (FL)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX XXXX : {$30000.00}
Consumer complaint received 2015-04-23
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: JPMORGAN CHASE & CO. (NY)

I was informed by my Mother that she was contacted by the XXXX XXXX XXXX with a court order document # XXXX and that I am required to appear in court and a telephone number was left for me to return the call. I then called and was transferred to a XXXX XXXX XXXX who claims to be a Paralegal for XXXX XXXX XXXX. 

I was told that a creditor is seeking a lawsuit for the amount of {$1900.00} and that if I am willing to resolve this amount and if I am not that the suit will be forthgoing. They stated that they have attempted to send correspondence to my residence ( which I never received ) the address he stated was incorrect. 

I am not sure if this is legal under the Federal Fair Debt Collection Practices Act and I am hoping to get assistance in preventing additional calls and legal proceedings.
Consumer complaint received 2023-12-02
Product: Credit 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. (LA)

XX/XX/ I booked a reservation for lodging with the XXXX XXXX XXXX, one in XXXX XXXX, AR. Once booked, I discovered that the entity that I was dealing with was a fraudulent company, charging fees 50 % over the initial lodging charge. I immediately cancelled this reservation with hotelvalues.com, receiving confirmation thereof. However, the charge totalling {$310.00} ( of which {$110.00} was a mysterious " service '' fee never assessed with a legitimate reservationist such as XXXX ). This entity, XXXX, processed the charge to my Chase Visa card despite the cancellations. I subsequently disputed the charge as fraudulent but Chase has declined crediting my credit card the {$310.00} unwarranted charge despite providing them legitimate cancellation information and documentation that the hotelvalues.com was NOT a legitimate operator for XXXX XXXX or any other hotel system.
Consumer complaint received 2023-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CULLEN/FROST BANKERS, INC. (TX)

On or about XXXX XXXX I purchased an airline ticket from a merchant called XXXX XXXX. The merchant issued my ticket for {$2500.00} but under incorrect last name. I made So many attempt and wrote so many emails to the merchant asking them to either correct my name so I can use the ticket or refund my money. On numerous examples they kept telling me they are correcting it on 48 hours and one email from them even clearly indicated I can Cancel and get my refund but when I attempted To do that, they refused to issue me the refund! I spoke With Frost Bank and it quickly escalated to management, a lady name XXXX XXXX who is a manager over customer service and dispute department. She issued me a credit so I can use that to purchase another ticket which I did From XXXX. 
XXXX even tried to contact the merchant two -three times but she didnt get any where with them either! 
Three months later they reversed the credit drawing my account to {$2600.00} NEGATIVE to the point I cant Even pay my rent now! I have Provided all the evidence to dispute department but they havent even bothered to investigate this correctly and throughly saying the transaction was VALID! 
This is breach of their fiduciary duty to me as their customer causing severe financial distress. I need Then investigated and resolve by providing favorable outcome in the interest of justice!
Consumer complaint received 2024-08-19
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. (MA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$2100.00} XXXX  XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX  XXXX Balance : {$650.00} XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-01-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (AL)

There are several things on all XXXX of my credit reports ( Equifax , XXXX and XXXX ) that are inconsistent with each other. I understand that different creditors report with different agencies however, I am trying to repair my credit and I 've been unable to obtain even a local department store card.