davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Midwest Recovery Systems (TX)

I had a complaint filed with you for this company ; here is the reference number:XXXX XXXX The company response was that it would be removed from my credit report ; however, it 's still showing on all 3 bureaus. I asked them to send me a letter stating this was an error and being removed but they never sent me the letter. 

Please have this removed its been 4 months.
Consumer complaint received 2017-10-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (TX)

PNC Mortgage raised my escrow amount without submitting a new escrow analysis, in violation of 12 CFR  XXXX. No taxes or insurance premiums have changed, so I believe the change is in error. I have called customer service about this twice on XX/X/17 and received contradictory explanations from the two customer service reps. I then asked to speak to a supervisor, and was told none was available.
Consumer complaint received 2017-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Equifax continues to report a closed current account as 30-60days late. The account in question is a XXXX XXXX auto loan account. The account was paid as agreed and current. The loan in question was paid off on time but yet Equifax continues to report it as late. I 've sent repeated disputes and data. They have not sent me information as to where they got this inaccurate information and what steps were taken. Even after contacting XXXX XXXX about the agreed the account is inaccurate.
Consumer complaint received 2018-01-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (SC)

Ally Financial keeps calling me and my parents to try to get my brother 's contact information for money he owes. I do n't know his info and told the company but they keep calling and harassing me anyway. They are calling during my work hours and affecting my job negatively and it is over something that I should not be involved in ( did not cosign or offer to be used as a reference ).
Consumer complaint received 2017-10-05
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. (GA)

I have an open complaint ( Complaint # XXXX ) where Experian is allowing a creditor, XXXX, to report 4 Fraudulent Accounts with inaccurate information. Experian is allowing XXXX to change the charge-off dates on these Fraudulent Accounts. First, Experian should have already removed these accounts due to them being Fraudulent and not belonging to me. The other credit reporting agencies have rectified the issue ; however, Experian is refusing to correct the issue and delete the Fraudulent accounts from my credit report. Experian has responded back to the open complaint indicating they need more time. I am not understanding why they need more time to correct the issue when documentation has been submitted showing proof. Experian is continuing to allow the creditor to change the charge-off dates which is damaging my credit score by showing these accounts are newly reported and also Re-Aging the Statue of Limitations which is Illegal.
Consumer complaint received 2019-01-15
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc. (PA)

For the past 2 years I have received harassing telephone calls to my home and cell phones from a representative of AR ResourcesXXXX XXXX XXXX XXXX, XXXX XXXX Pennsylvania XXXX, XXXX. 

Their Representative has repeatedly called and harassed me over a student loan ( XXXX University ) debt that has been removed from my credit profile. He called me as recently as today. 

I would desire that the representative be disciplined and or fired and likewise the company be sanctioned.
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: WELLS FARGO & COMPANY (OR)

I made a clerical error which left me with a payment slightly short. An agent called me to let me know I was showing a past due balance and to avoid a 30 day late, I could pay over the phone. I did so and then the company reported it anyway. I have called numerous times, filed disputes but to no avail.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-19
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. (FL)

This account has a late payment XX/XX/year> which is inaccurate as it does not show the account balance, payment date, and amount paid. The other payments that are correct do not reflect the amount paid month by month, this is inaccurate. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding delete late payment of the following account : XXXX XXXX Number XXXX.
Consumer complaint received 2018-01-08
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. (WA)

Disputed XXXX 2nd mtg that DOLA was XX/XX/XXXX. State of Washington SOL is 6 years for CRA to remove negative info. Got letter from CRA stated that XXXX had confirmed that DOLA was correct. I know it is correct DOLA, what I requested was that it be removed from my report, as it is time barred as of XX/XX/XXXX. Both other CRA 's removed this negative item from their reports as requested on XX/XX/XXXX. All I am asking is that Experian do the same as required by law in my state.If they continue with this show of disregard for the laws of my state of residence, what legal options do I have? I can not understand how other 2 CRA 's can do this with a simple phone call, yet these buffoons ca n't. PLEASE HELP!!! I am trying to refi my home and this is only item holding it up, I stand to lose the fee for appraisal if this continues much longer. Thanks for your help
Consumer complaint received 2017-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

XXXX wrote and mailed a dispute letter to Experian on XXXX XXXX, XXXX XXXX. The response with a letter on XXXX XXXX, XXXX stating that the account in question was verified by creditor but did not provide no documentation or evidence. 
XXXX. I called them on XXXX occasions XXXX XXXX and XXXX XXXX and XXXX XXXX and XXXX XXXX to delete this account from my credit report and all times were denied. My next step is to start litigation against XXXX, XXXX and Experian.
Consumer complaint received 2017-10-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (MD)

XXXX XXXX, creditor, car loan account is fraudulent. It has been settled beyond controversy, a bank can lend its money, not its credit. XXXX XXXX has created a constructive fraud, peonage, conspiracy, and dishonor which have resulted in my Revocation of XXXX for XXXX. I have written several letters to XXXX CREDIT to resolve this matter.
Consumer complaint received 2017-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO. (MI)

Chase bank issued a fraudulent credit card in my name even though I had a XXXX fraud alert on my account. Chase Bank did not contact me using the phone number on the XXXX fraud alert. The fraudulent credit card was used to extract more than {$8000.00} of the account. 

I tried to resolve this, however Chase Bank is adamant that they do not need call the phone number on the XXXX fraud alert. I have had to spend a great deal of time correcting this problem ( including police report, letters, several phone calls XXXX. All of this could have been avoided. Chase bank does not seem to think XXXX Alerts are important. What is the point of having a fraud alert if the Chase bank does not take it seriously. 

The website for the Consumer Financial Protection Bureau ( CFPB ) with the law below. It states " If you provide a telephone number, the lender must call you ''. 

https : XXXX
Consumer complaint received 2017-10-05
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: Innovis (TX)

We just learned today of yet another credit reporting company Innovis after our information was hacked through XXXX. We had put credit freezes on the other bureaus several years ago and upon learning of Innovis are trying to do the same. Innovis has three ways : - online : did submit a request yet there is NO transaction record, or recordable confirmation! 
- by mail : requesting our sensitive information to be sent by mail! That is NOT going to happen. 
- by phone : try their number - it does n't pick up or promptly disconnects after an extended waiting period? 

We will protest this intrusion into our private data through all possible venues including like we do here, with the CFPB. We will record and hold to account all who are responsible for our protection. We, the People,  will rise!
Consumer complaint received 2017-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX Saturday, XXXX XXXX, XXXX I spoken with an representative of experian to updated and dispute inaccuracies in my credit report. They stated that they update my name, address, phone number and current employer. Also, they deleted XXXX accounts but they still shoeing on my credit report. Im not understanding if you conduct an investigation ... comes back with result but do actually do what you indicated to me in writing. I 'm confused as to why they did n't delete the inaccurate info and update my personal information. Please help. When I called last night ..spoke with XXXX, who gave me a difficult time and refused to let me speak with a supervisor.
Consumer complaint received 2017-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (SC)

Synchrony bank reported my card lost or stolen it never was and I never said it was you can not understand anyone they put on phone and they XXXX me on intrest I 'm holding the card right now I 'm sick of waiting for a new card I just want to talk to someone I can understand
Consumer complaint received 2017-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

CFPB, Back about XXXX years ago I was at sea and I was a victim of identity theft. I caught this when I returned from sea and after about XXXX months I was able to clear up this incident with the help of my local police in the town of XXXX, XXXX. I have been a resident here since XXXX, the identity theft happened in XXXX. They used my information to apply for CC and other accounts but instead of using my correct address and employer ( XXXX XXXX XXXX, they use XXXX, XXXX and XXXX XXXX XXXX in XXXX, XXXX Eventually, after at least a dozen credit denials, a mistake was made by either XXXX XXXX XXXX Transunion approved XXXX of the credit applications an thus updated my records to show I worked at XXXX in XXXX and lived in some abandoned house in XXXX, XXXX Neither of this information was true and even though I had a police report about the identity theft, they would still would address my claims to correct their mistake. 
All attempt thru these agencies to try to remove this fraudulent information have gone unanswered all these years. 
I eventual gave up trying to get them to address their mistakes but thought after visiting this website, I would give it a try again.
Consumer complaint received 2017-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Bread Financial Holdings, Inc. (WI)

Creditor Contact Details XXXX/PAYPALCREDIT XXXX XXXX XXXX XXXX, MD XXXX XXXX Not sure what this is! Expecting fraud and will like to dispute anything from this!
Consumer complaint received 2017-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have disputed the XXXX XXXX account numerous times in the past with Equifax. As this account is not mine. And every time Equifax return the Dispute as verified without any proof of a proper investigation. I want to know how Equifax was able to prove an account that I have no recognition of as mine? This XXXX XXXX account has been on my credit files for years. The other two credit agencies had no problem removing this account. Because they were unable to verify it was mine. But Equifax keeps returning my Dispute back as verified. I tried calling XXXX XXXX but they were on able to give me information on the account. Because I was unable to verify the account information. Equifax needs to show proof of their investigation and how they were able to prove this account was mine.
Consumer complaint received 2017-10-04
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: EQUIFAX, INC. (NC)

On XXXX XXXX, my wife and I sent a letter to Equifax requesting them to investigate certain accounts on our credit report. My wife has received her response. However, after 45 days and counting, I still have n't received mine. I am attaching a copy of the letter that we sent to Equifax.
Consumer complaint received 2017-10-05
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. (FL)

Experian, XXXX, and XXXX all have previously incorrectly reported my account on Florida Child Support. I made XXXX payments directly to my former wife of XXXX per month. On XXXX XXXX I went to XXXX Court and provided proof of payments to XXXX XXXX. 
The court amended my child support ledger to zero owed. This is a matter of record in the Florida Dept. of Revenue Website and the court which supervises same. 
The Credit bureaus refuse to correct their record, or add a statement from me which does same. They are required to delete disputed information within 30 days. They failed to comply. 
The years of inaccurate reporting caused me damage in threats to take my drivers license by the state, the actual taking of my passport ( which took all year and legal fees to rectify ), and a loss of several job opportunities abroad which we substantial. 
Perhaps a fine or sanction for them would deter future abuse of credit reportees? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Fl. XXXX XXXX XXXX
Consumer complaint received 2023-04-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (LA)

On XX/XX/2023 I bought a XXXX XXXX in TV thur Affrim via XXXX. On XX/XX/2023 I returned the TV XXXX has to come back to pick up the TV as they where not aware that the back door even though a sighn is posted all deliveries at the back door due to the front door being rented by upstairs and down stairs being rented by us. I opened up a claim that got approved for a lost item. I was told bye bye XXXX I had to wait 60 days to report this a lost item and my money was supposed to be refunded to me. XXXX admitted to the driver not scanning said item and issued me a claim number of XXXX, unfortunately I need a account number in order to upload payment documents. I have call Affrim 3 times about this a 22 times into XXXX. XXXX with them stating theirs nothing they can due nor Affrim.
Consumer complaint received 2024-10-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern : When reviewing my credit report, I found several accounts listed in my name that do not belong to me. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. The items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I have contacted the Federal Trade Commission and filed a police report. I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law.

AFFIDAVITS OF LAW 1. Are you the original creditor?

2. Have you given the debtor the opportunity to review the original contract?

3. Have you validated the home address for the debtor?

4. Have you complied with all FRCA, FDCP and FDCPA laws?

5. Have you reported to the consumer who has reviewed the original contract information with his/her original signature?

6. Have you provided the names of all creditors that have provided the names and addresses of the person who has reviewed consumer relations? 

Accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX If the above has not been completed, please Delete these accounts from my credit report and stop all contact with me. Under the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me regarding the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your company management. I also have the right to file suit against you for any future violations of this law.

I have filed an FTC Report and attached a copy of my Ohio Drivers License and Social Card to verify my Identity.
Consumer complaint received 2017-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MD)

On XX/XX/XXXX, a Presentment under notary seal of dispute and verify the alleged debt was sent to XXXX XXXX XXXX  dba XXXX Fedloan Services. XX/XX/XXXX a Notary Certificate of Dishonor and Non-Response was sent. Fedloan Services continued to send collection notices for this alleged debt that they would not validate under THE FAIR DEBT COLLECTIONS PRACTICES ACT, FAIR CREDIT REPORTING ACT, 15 USC 1692G AND TRUTH IN LENDING ACT. On XX/XX/XXXX Fedloan Services accepted a permanent loan modification fully satisfying the alleged debt. Money Order XX/XX/XXXX XXXX was accepted and applied to alleged debt on XX/XX/XXXX having the Contract statement written in a conspicuous place : Full Satisfaction of all Claims. The terms of the contract  are clear according to XXXX Maryland XXXX COMMERCIAL LAW 3-311 & UCC 3-311. The alleged debt has not been discharged according to law. Fedloan Services is now threatening wage garnishments by way of the UNITED STATED POST OFFICE.
Consumer complaint received 2017-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Diversified Consultants, Inc. (FL)

In XX/XX/XXXX I hired a credit repair company to help me remove some things of my credit report from all three credit agencys in which they did help but, I have one of {$600.00} that 's keep coming back after it was removed a couple time but reappear. I sent letters every 90 days and still nothing
Consumer complaint received 2017-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

We were applying for a mortgage and the financial lenders where not able to pull my report or credit score. I received a report with credit scores from all three agencies on XX/XX/XXXX but when the mortgage lenders tried to get my credit report nothing would show up. I have called XXXX, and trans union and they tell me everything is fine, but still not letting the lenders pull my report so I ca n't get a loan for any home, I tried to apply for a credit card and was turned down because no credit information was showing. I had a short sale of a home close just 5 years ago so I know I have credit history. Help! nobody will help me and I am being denied credit through no fault of my own.