davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-25
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (FL)

At the end of the lease on my vehicle in XX/XX/XXXX I turned the vehicle in to XXXX XXXX XXXX, with the purchase of a new vehicle. XXXX XXXX XXXX obtained a buyout figure from Ford Motor Credit and sent them a check. At that time, all the paperwork from the original leased vehicle was turned over to XXXX XXXX XXXX, taking all responsibilities away from me, the leasee. Sometime in late XX/XX/XXXX, I received a letter in the mail from Ford Motor Credit stating that they extended my lease due to lack of payment. At that time, I went to XXXX XXXX XXXX and found out that they had sent the check to the wrong location. While I was at XXXX XXXX XXXX, the two companies worked it out, and everything was paid in full. In XX/XX/XXXX, I  received a letter from XXXX XXXX XXXX again, stating again that I was behind on my payments. At that time, I found that my XXXX XXXX went from XXXX in XX/XX/XXXX to XXXX in XX/XX/XXXX. At that time, I called Ford Credit, and filed a complaint explaining the situation. I received a follow-up phone call stating everything was taken care of and that letter had been sent out in error and that they were taking immediate action to rectify my credit score. It is now XX/XX/XXXX, and my credit score has not only NOT come up, but I am now receiving letters from my credit card companies saying that my interest rates have been raised due to a lowered credit score.I would appreciate a response to this inquiry to that I know it has been sent to the correct place and that someone will get in touch with me to rectify the matter. My email is XXXX and my cell # is XXXX. Thank you for your time. I look forward to hearing from you soon. 
Sincerely, XXXX XXXX
Consumer complaint received 2018-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

Apparently, I placed a " security freeze '' on my account of this year on XX/XX/2018. That is false information considering I would have no reason to put a freeze on my account, did not give authorization to anyone to do this and have received no proof of me initiating this freeze. I did not receive anything in the mail in regards to this either. I am beside myself in this matter and so tired of getting the run around, loosing two contracts now on homes I wanted to purchase and the lack of empathy in this ordeal by being told, '' We have on our records that you do not have a freeze on your account and we can no longer help you ''. This has been told to me by numerous people on the phone. I have provided you all with emails and documentation for your records. Any insight with this situation would be extremely helpful. 

Thank you, XXXX XXXX
Consumer complaint received 2018-10-19
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. (GA)

This is my second complaint regarding unauthorized inquiries on my credit report that I did not make. I have asked Experian and XXXX  to investigate and delete the following unauthorized inquiries : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Any others are okay and were authorized, Please delete the ones listed as unauthorized. I also have requested that Experian remove XXXX XXXX XXXX from my report. It was removed previously through XXXX  and XXXX   because the debt was unable to be validated with a contract and signature. So Experian needs to follow suit under FCRA reporting laws.
Consumer complaint received 2018-06-25
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Peer Advisors, LLC (CA)

In XX/XX/XXXX I was working with my lender at the time, XXXX XXXX for a repayment plan regarding the past due payments for the property taxes. When I submitted the documents to show my income it there and I can afford a payment plan I was told it was too late because the foreclosure sale was scheduled for XX/XX/XXXX. I was forced to file bankruptcy and when the sale was postponed to XX/XX/XXXX, I again attempted to contact XXXX XXXX for options. They told me my loan was being transferred to XXXX and I would need to contact them. On XX/XX/2018 I received the notice my loan was being transferred, I called XXXX for two weeks and they were still processing/transferring my loan into their system. It was not until XX/XX/XXXX that they finally acknowledged my loan and then said it was too late, the foreclosure sale date is now XX/XX/XXXX. How can this be fair? I did not ask for my loan to be transferred, especially in the middle of a foreclosure sale and the fact that they are keeping the sale active and not giving me any options to save my home is absurd and a violation of my rights. Had my loan not been transferred and had it not taken XXXX more than 2 weeks to acknowledge me, I would not be in the predicament again.
Consumer complaint received 2018-06-25
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)

According to the Fair Credit Reporting Act, Equifax are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX
Consumer complaint received 2018-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Summary : XXXX XXXX incorrectly places at 120+ day late payment on my credit report. I completed the dispute process and received a letter, from XXXX, dated XX/XX/2018 stating that they ( XXXX ) were requesting the delinquency be deleted from my credit report and they were notifying the three credit agencies ( TransUnion, XXXX and XXXX ) they had 30 days from XX/XX/2018 to update their files. The three agencies deleted the error on XX/XX/2018, but the negative XXXX payment reappeared on my credit report as of XX/XX/2018. 

Impact : This error was discovered, much to my surprise, in XXXX of 2018 while trying to apply for a home loan. At that time my interest rate was quoted to be 4.1 % with a score of XXXX, which I would have had without the negative item from XXXX XXXX 

Now, six months later with increased interest rates, I'm looking at 4.5 %. This error on the part of XXXX and now with the three credit agencies will cost me more than {$100000.00} over the course of a 30 year mortgage. 

Any help to have this error be permanently removed and done so as quickly as possible is greatly appreciated.
Consumer complaint received 2018-06-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical-Dental-Hospital Bureau of San Antonio (TX)

After reviewing my credit profile on XX/XX/2018 I identified a discrepancy with the account listed under XXXX and XXXX. I requested a validation on XX/XX/2018 as there were 2 accounts that appeared to be duplicate. On XX/XX/2018 I received a response that one account was removed as it was duplicate however XXXX and XXXX still failed to validate the other account. A 2nd validation request for the remaining account was sent out on XX/XX/2018 to which I received a response on XX/XX/2018. The response I received consisted only of a copy of the response dated on XX/XX/2018 along with a statement from XXXX XXXX XXXX XXXX. The statement they provided did not include any information reflecting that they attempted to run the charge through insurance coverage that was effective on date of service nor that XXXX and XXXX has authorization to legally access my medical records and to attempt to collect on this account. Based on their failure to validate this account adequately I disputed the account with all 3 credit bureaus however the account is still reflected on my credit profile and continues to negatively affect me.
Consumer complaint received 2023-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MD)

I applied for an American Express Gold Card. When I applied they were offering {$250.00} for subscriptions. Before buying a plane ticket I called American Express customer service. The lady that replied said I would get the bonus of {$250.00} at the time I receive my statement. I proceeded buying a plane ticket. The statement arrived and no - {$250.00}. I called them. They said they will raise this issue with the finance department and let me know. For nearly two months I had to deal with this issue. They treated me terribly. I asked them for the transcripts of the phone call. They never gave that to me. They have everything in the system and they never were willing to really do their job. Many phone calls from my side. After that I started writing them in the chat service. At least that is written down so I can share that with you. 
All I want is the money they promised and never fulfilled and another complaint I have is that they never sent an email to me about the status of my complaint. I had to call or write in the chat several times. This is very concerning to me.
Consumer complaint received 2018-06-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monterey Financial Services LLC (CA)

I received a Collections notice from Monterey Collections dated XX/XX/2018 in regards to a timeshare account with XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX I sent them a letter to dispute the validation of the debt owed as well as to inform Monterey Collections that I have made prior attempts to notify XXXX XXXX XXXX XXXX XXXX that I am disputing the validity of this debt and of my intent to cancel this account and attached membership with XXXX XXXX XXXX XXXX XXXX due to the fraudulent misrepresentations that were made to pressure me into signing the timeshare contract. It has been well over the 30 days since I sent that notice back to Monterey Collections and they failed to respond therefore, they need to remove the account from my name and credit files. However, I recently noticed that they have showed up on my credit report.
Consumer complaint received 2019-03-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NC)

I recently sent a notice to your company advising you of the false information that you continue to report on my credit file. The account listed has such erroneous information. A reporting of such is often done to purposefully lower a consumer 's credit score. I requested for you to send me validation BEARING MY SIGNATURE!!!!! You have failed to do so. ( FYI.statements are not proof of validation ) I disputed with the credit bureaus and, I received a notice stating the account was updated. However, the update not only included the same false information but also showed the account was not listed in dispute. I disputed this XXXX XXXX Account again with the credit bureaus ; the account shown was verified with the same information. Please note I have kept strict and accurate records of all transactions between your company and myself, and the credit reporting agencies and myself. I am fully prepared to present this undisputable information to the court if necessary. 

This account needs to be removed from my credit files immediately.
Consumer complaint received 2023-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.
Consumer complaint received 2018-06-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (PA)

Citi Bank never responded to my dispute from several letters mailout back in XX/XX/XXXX and XX/XX/XXXX and place the account in collections and I disputed it then and never got no response from Citi Bank all ways the run around some one going to call back. I call Citi Bank over 45 times and got no response from them what so ever. I updated my mailing address at the post office with no response from Citi Bank and the post office can verfify change of address.I have/ had a right to dispute XXXX XXXX XXXX and I'm in the process of hiring an attorney regarding the situation by Citi bank
Consumer complaint received 2024-11-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

Bank of America XXXX  has been committing Securities Fraud against me, the Consumer, for a long time now. 
I would like the Consumer Financial Protection Bureau to add this information to the Investigation started against Bank of America XXXX already existing under CFPB Complaint # XXXX Please refer to the attached Documents for a full description and details of What happened.
Consumer complaint received 2023-10-03
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (KY)

I called XXXX XXXX XXXX XXXX to verify why is this on my credit report i never lived in ohio and its affecting my credit they wanted my ceedit card information and i refused they started cussing me out on the phone I realized this is a scam and they do not want to remove this off my credit
Consumer complaint received 2019-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MD)

I have been a Credit Acceptance Corporation customer since XXXX and have been making my payments since XX/XX/XXXX on time, even earlier than due date. I sent the corporation a certified goodwill letter asking if they could remove the negative report from my credit file ( repossession ) as though I still have possession of the vehicle and I've been paying every payment on time. I'm seeing that they removed the remarks but it was recently added back on my credit. They are also reporting that they took possession of the car and that the account is now closed, and that balance has increased to the credit bureaus all of this is incorrect. They are reporting negative incorrect information to the credit bureaus. My account is not closed and I have not missed any payments. This is such an inconvenience to me and its a shame that they do this to loyal customers. I've been trying to get a hold of someone but I've been unable to speak to a representative. They have not called or sent any letters to me or communicated in anyway. Please investigate to look into this matter thank you.
Consumer complaint received 2023-10-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

Good morning, My name is XXXX XXXX XXXX XXXX I'm writing this email regarding a Scam/Fraud that happened on my Wells Fargo checkings account last sunday XX/XX/2023 for one transaction of {$4.00} under the name of a XXXX XXXX XXXX ( whichdoes not exist anywhere ) and its address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and another one for {$1.00} under the name of XXXX XXXX and its address : somewhere in XXXX XXXX at the same time of the previous transaction. At the same time I was charged on my XXXX XXXX card under the same XXXX XXXX XXXX, but they investigated and already refunded the amount of the fraud and at that exact moment I was charged on my XXXX card multiple times from the same scammer XXXX XXXX, and they already investigated and refunded the amount as well. 
I went to the XXXX XXXX Police and showed a detective officerevery evidence about this case.The police report number is : XXXX District/Unit : XXXX Rank/Officer ID : XXXX XXXX Police Telephone : XXXX The same the day that I saw all this transactions when I woke up and when I realized those frauds and emails I received I started calling all of the banks to let them know that it was not me and did not authorize those scams. Im good with XXXX XXXX and XXXX, their investigation team did an amazing job and refunded me all the amounts. On the other side, Wells Fargo was different. 4 days later after I filed a claim I called them again to know about my situation and to know where's my hard- earned money. This lady of the XXXX XXXX XXXX Wells Fargo Department that I was talking to, named XXXX, she said to me that the Bank denied my claim and there is nothing they can do, even tho I told them that i did not authorized those payments and how could I spend all my money in one transaction even tho if wanted too i could not, I have to eat.. and if it was that simple for them to deny a claim and that is it, I loose all my money, and yes, she replied that she was sorry but the team did not find any suspicious activity and again that the case was denied. I replied saying that XXXX XXXX and XXXX solved my problem the next day, and again she replied that there is nothing else they can do. That I can go to the scammer 's stablishment ( which does not exist because i looked it up on google ) and ask for a refund ( very uninsterested from her and frustating moment for me ) That same day is the day I went to the XXXX XXXX Police to open an investigation and file my claim to the detective mentioned before in this letter. And for this reason I am seeking help.
Consumer complaint received 2018-06-25
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: Experian Information Solutions Inc. (FL)

The problem is not getting my credit report but the impossibility and the intentional placing of layers and layers of roadblocks by Experian in denying a consumer the ability to speak to a human being to freeze or unfreeze my credit report. I have called 10 's of times today to try and contact Experian and have tried to initiate my request to unfreeze my credit without success. This does not happen with XXXX and XXXX. Experian now places a recorded SSN, zip code , street address verification on any initial call without any method to speak to a customer service representative if the prompts do not work. Any typo error, slight misinformation, etc., automatically triggers another long recording of unbelievable hurdles with directions for the consumer to write Experian and enclose enough documentation to fill the Library of Congress to have the freeze lifted or put in place. The same occurs online with no contact option to speak to anyone. Experian 's phone contact number is XXXX. If you are a paying customer then maybe they will talk to you otherwise you are nothing. This should not happen in this day and age of technology. Just do a XXXX search on how to speak to a live human being on Experian and see what the results are.
Consumer complaint received 2018-06-25
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credence Resource Management, LLC (LA)

XX/XX/2018.. I got a call from Credence Resource Management. That representative was not rude. I hung up the phone and called XXXX ... the second I called credence resource management, the guy that helped me with my account was very rude, kept interrupting me, using profanity, and bringing up subjects that did not pertain to why I was calling. I said I can only afford so much per month and he kept tryin to get XXXX dollars from me ... the representative also told me to max out my credit card, and when I said I dnt have a credit card with that much of a credit limit, he proceeded to ask me how much is on my credit card. I informed him that it is not any of his business. He kept asking me over and over again. 
I have contacted XXXX about this issue, and asked for my account to be switched to a different collection agency.
Consumer complaint received 2023-10-03
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Uprova Credit, LLC (TX)

My phone and wallet was taken.. All my social media and bank accounts was hacked. My identity was stolen. I never applied for any loans. In person or online. I dont have any knowledge of these loans..
Consumer complaint received 2024-08-13
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)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.