davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: 1st Franklin Financial Corporation (GA)

my bank pulled up my credit report checking and XXXX XXXX XXXX XXXX come up still oweing them what i done paid off, i went there and they gave me a paper stating it is paid off, no balance they XXXX XXXX stated nothing they could do so, i was told by local credit burea to dispute it.
Consumer complaint received 2017-10-17
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: ALLY FINANCIAL INC. (SC)

On XXXX XXXX, XXXX, I received notification via my credit alert service with XXXX that my credit had been run by Ally Financial. At that time, I pulled all three of my credit reports ( XXXX, XXXX & XXXX ) to see what had been done with out my permission. In deed, the XXXX XXXX had pulled my credit report. I immediately contacted, in writing, all three credit reporting agencies with the dispute. Then on XXXX XXXX, XXXX, I received a notice in the mail from the Ally Bank of the incident and also discovered that the Ally Bank also ran my credit through XXXX XXXX XXXX. NEITHER of these companies had my permission to run my credit.
Consumer complaint received 2017-10-17
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

portfolio recovery associates, XXXX, dept. XXXX, XXXX XXXX XXXX, XXXX, ca., XXXX, has several times to collect " stale debts '' ( debts that are more than XXXX ( XXXX ) years old in violation of the federal and florida laws on credit card debt collection. last collection dates, XXXX XXXX, XXXX, ac. # XXXX XXXX, and XXXX. 
I had explained to " portfolio '' that collection of the above accounts are a violation of the fdcpa and florida debts collection statute but " portfolio '' continues its collection efforts. 
this is the last action that I will take before file suit in a court of law with jurisdiction on this matter. sincerely yours, XXXX XXXX
Consumer complaint received 2018-01-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Diversified Consultants, Inc. (GA)

On XX/XX/XXXX I received documentation from XXXX XXXX XXXX stating that their office had reviewed the account with XXXX XXXX in the amount of {$470.00} and have made the decision to discontinue collection efforts therefore deciding to submit a deletion request to the credit bureaus.Today I have received a notification from XXXX stating that a collection account has been added to my credit reports, to my surprise it was the EXACT same collection under a different collection agency called Diversified Consultants trying to collect the exact same debt! Not only was I not previously contacted ( by phone or email ) from this company, it is also stating the debt was opened in XX/XX/XXXX how is that even possible? In addition to that, I have no prior knowledge and NO CONTRACT with this company called Diversified Consultants, I am requesting they send a deletion request to the credit bureaus to have this account removed.
Consumer complaint received 2017-10-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

I made a wire transfer into my saving ( XXXX ) account, and checking ( XXXX ) account on XXXX/XXXX/XXXX. I recieved an inbox Alert that notified me the funds were recieved ( XXXX/XXXX/XXXX ), in both accounts.The transfer was from the ACH CENTER located in XXXX, WV. This transfer came from XXXX XXXX XXXX XXXX, which transfers are immediate and are irreversible once sent. My account was closed because of this transaction, and there was never any record on either account about transfer. I have a print out from USAA BANK on XXXX/XXXX/XXXX which states : That Funds Were on Hold Are now Available in both accounts. I would like an investigation into the Fraud Banking Activitys of this Banking Institution ( USAA ). I also request that the Secret Service be Alerted as well for a complete forensic audit. Thank each and everyone of you who diligently work tiredlessly for the true people of America, We the People! I truly appreciate the time you have taken to both read and respond to this request/complaint. Thanking you in Avance, Most Sincerely, Peaceful Inhabitant-Standing in the Light. May God Bless America, and His People ...
Consumer complaint received 2017-10-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (FL)

I received a letter in the mail claiming that I owed a debt to XXXX XXXX and that this company " AssetCare LLC '' now owns the debt with a balance of {$2600.00}. 
I call XXXX to try to resolve the issue on XXXX/XXXX/XXXX by phone asking for the following : A signed copy of my promissory note to open the account, Last bill and statement from XXXX XXXX, and the amount the debt was purchased for. 
A employee at AssetCare LLC told me that they will not give me this information, and they will report me to the credit bureau. 
I feel as if my identity has been stolen.
Consumer complaint received 2017-10-18
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. (TX)

I was searching for a home loan and they added all of them lowing my score to were I dont get the loan now they are to combined home loan inquiries if between a setan time and they didnt and refused to fix it because they told me they are a privately owned company and the government cant do nothing about it so I tried to dispute them because some of the hard inquires the companies said they do nothing by there policy I have to contact the credit reporting agency to dispute so now the credit reporting agency said they will do nothing and now I ma blocked from writing calling and online disputing or any information and I have proof of everything. And some inquirers when you call them there number is disconnected then I called the credit reporting agency and they said they dont care. 
I cant attach any information because its all online and when you try to print it the credit reporting agency 's web page errors out
Consumer complaint received 2023-07-24
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. (CA)

I am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX Balance : {$410.00} ; XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : {$840.00} ; XXXX XX/XX/XXXX ; XXXX XXXX . XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXX Balance : {$840.00} ; XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$410.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$840.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2017-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Experian XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX DOB XX/XX/XXXX SS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX As required by FACTA and in support of my request, I am including a copy of my identity theft report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely, XXXX XXXX DOB XX/XX/XXXX SS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2017-10-16
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. (SC)

Filed a dispute to remove an old closed account approx 1-2 weeks ago. Received an email back XX/XX/XXXX saying the dispute was closed. Then when I logged onto XXXX XXXX its now showing as a reopened dispute and as I am missing a payment. As laws go, the Fair Credit Reporting Act ( FCRA ) If an item is inaccurate, the bureau has to remove it. If they later discover that the error has been corrected they cant put the negative item back in your report. But if they do that they first have to tell you 5 days before they reinstate the item.
Consumer complaint received 2017-10-16
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. (NY)

I HAVE ATTACHED MY DRIVER LICENSE FOR NAME SPELLING AND ADDRESS PROOF. ON MY CREDIT REPORT I HAVE FRAUDULENT NAME SPELLING AND ADDRESSES ALSO SOCIAL SECURITY NUMBER VARIATION THAT IS NOT MINDS. I EVER GAVE ANY ONE CONSENT TO USE MY PERSONAL INFORMATION IN ANYWAY. I HAVE ATTACHED MY CREDIT REPORT WERE THE FRAUD IS SHOWING.
Consumer complaint received 2017-10-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

On or about XXXX XXXX, XXXX I received a bill from Wells Fargo for {$75.00} to continue my {$100000.00} HELO, which I have never used. I called their customer service number about the charge, which I did n't recognize. They confirmed that I had paid it for the last several years. I did n't remember doing so, but I accept that I may have. Since I have never used the HELO, I said I would prefer to cancel the account rather than pay the {$75.00} fee. The agent told me she would waive the fee if I kept the account, so I agreed. This was on a recored line. 

XXXX XXXX XXXX XXXX ) I received a bill for the same {$75.00}. At about XXXX, I again called customer. The first time the call was cut off while on hold as the agent " reviewed the situation. '' On the second call I was told that indeed, on XXXX XXXX I was told that the fee would be waived, but that request was rejected because the fee is in my contract. Of course I was never informed of this change, so now the {$75.00} is past due. The agent then transferred me to a " different department '' so see if they could resolve the issue. No resolution. Given this change, I asked to then cancel the HELO. So I was transferred to a third person to close the account. 

When speaking to that person, he said he would waive the annual fee, but that I would need to pay a {$75.00} fee to cancel the lien on the loan! I asked him to read that clause from my contract. He would not, but said he would send me the contract. 

I am a Wells stockholder, and have read about the predatory practices of the bank. But here I have experienced them first hand. I have made 3 calls to simply cancel this HELO - which I never used - and I ca n't seem to get it done without Wells Fargo trying to extract unnecessary fees. 

I am indifferent as to whether I keep the account or not. I simply want to stop paying unnecessary fees.
Consumer complaint received 2017-10-16
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: BOEING EMPLOYEES CREDIT UNION (WA)

There were suspicious hard inquiries about my credit that I did not authorize. It happened XXXX XXXX and XXXX. I was at work on those dates but I received a notification that there were changes on my credit report thats why I log in to my account. I saw that there were atleast 7 hard inquiries from different companies that I did not authorize. That is unlawful and that is illegal viewing of my finances. I never gave authority to any body to view my credit, especially without my knowledge. It was for car loan credit inquiries. I went to XXXX car dealership in XXXX and spoke to the manager. I told the manager that they run my credit without my permission and I really wan na complain about it. I told them that its a serious matter for me and I felt very threatened and furious of what happened. It could be identity theft and I was so sleepless for two nights because of that. I was told by the manager that somebody represented me on my behalf and told them that shes my nom. They ran my credit without my consent for several times without even double checking and asking for my ID. I really felt that these companies violated my privacy and rights. I am so afraid and XXXX off right now at the same time and I wan na take this in legal action.
Consumer complaint received 2017-10-17
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. (CA)

I have several inquiries on my account that I do not recognize. I got an email yesterday stating there was a hard inquiry to my account from XXXX XXXX XXXX done for a credit limit increase. As a consumer it is already difficult reading through fine print and credit jargon that comes with credit. XXXX XXXX XXXX makes it difficult to identify if credit limit increases will result in a hard inquiry or not. XXXX XXXX XXXX is known to display promotional banners on their website for eligible credit limit increases to credit worthy candidates that abruptly appear. When I applied for a credit limit increase I thought that was the case, and they pulled my credit history without my knowledge. They need to provide more emphasis whether or not their products will need a hard or soft inquiry. More transparency is needed. The not so knowledgeable credit seekers are the real victims here to at times misleading credit card issuers. I read there was an inquiry issue with XXXX during that year, XXXX, it may or not be related. The XXXX breach was what made me check my credit history. I have found these inquires that I dont remember applying for. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX Experian : XXXX XXXX XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXXXXXX XXXX I have tried calling but I do not have the power to influence them. In this day and age of hackers, auto logins for websites, scams, identity theft, and even family identity theft the public is at the mercy to these 3 giant credit bureaus.
Consumer complaint received 2017-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

When I did my credit report, there is an account that should NOT be on my credit report as a repossession. I bought a pick up for my grandson, I was the co-signer, when I went to get tags for the vehicle, The DMV had no record of me buying this truck, it was listed in the name of the orinigal owner, it was NEVER transferred to my name. I had the DMV do an investigation and I did not have to pay for the truck, XXXX XXXX XXXX, paid me all my money that I had paid on the trunk back to me. This should not be listed on my credit report at all. Can you help me with this??
Consumer complaint received 2017-10-16
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: UMPQUA HOLDINGS CORPORATION (WA)

There were suspicious hard inquiries about my credit that I did not authorize. It happened XXXX XXXX and XXXX. I was at work on those dates but I received a notification that there were changes on my credit report thats why I log in to my account. I saw that there were atleast 7 hard inquiries from different companies that I did not authorize. That is unlawful and that is illegal viewing of my finances. I never gave authority to any body to view my credit, especially without my knowledge. It was for car loan credit inquiries. I went to XXXXXXXX XXXX XXXX in XXXX and spoke to the manager. I told the manager that they run my credit without my permission and I really wan na complain about it. I told them that its a serious matter for me and I felt very threatened and furious of what happened. It could be identity theft and I was so sleepless for two nights because of that. I was told by the manager that somebody represented me on my behalf and told them that shes my nom. They ran my credit without my consent for several times without even double checking and asking for my ID. I really felt that these companies violated my privacy and rights. I am so afraid and XXXX off right now at the same time and I wan na take this in legal action.
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have an Account with XXXX XXXX. My credit report reflects that a 30 day late payment has been reported for XXXX and XXXX XXXX This is incorrect. I contacted XXXX who concurs that my account has never been late. They informed me that they could not send me a letter but I would need to dispute directly with the credit bureaus since they do not see me in their systems as every having been paid late. I have disputed with all three credit bureaus with no success. I am in the process of applying for a mortgage and this incorrect reporting is penalizing me. Please help.
Consumer complaint received 2017-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I have a loan that is currently being serviced by Mr. Cooper, formerly Nation Start Mortgage. I took out the loan in XXXX 2006 as a Purchase Money loan for 100 % financing. The 80 % first mortgage is with Mr. Cooper and the 20 second is with XXXX XXXX. I have not refinanced or done anything with the loan since except making all my payments on time without ever being late. 
The type of loan I have with Mr. Cooper is a 5-year ARM Interest Only loan. The Note to the mortgage states that the interest rate is fixed for five years, then adjust every six months thereafter based on the index described in the Note until year 10.

The Note also states that I will pay interest only for ten years regardless of the adjustments to the interest rate. However, the Note states that, after the Interest-Only Period, defined 120 payments ( 10 years ), the Note Holder will : " will pay principal and interest by making payments every month thereafter for the next 240 payments in the an amount sufficient to fully amortize the outstanding principal balance of the Note at the end of the Interest-Only Period over the remaining term of the Note in equal monthly payments. '' Unfortunately, Mr. Cooper refuses to adhere to the terms of the contract and continue to force rate adjustment to me. 

Their only argument is that I am in an adjustable rate loan and therefore the rate is going to adjust and that if there allow me to make " equal monthly payments '' as stated in the contract then I would have a fixed loan. They insist that what is written in the contract does not matter because I do not have a fixed rate loan. 

Please help me! I am going up against the full legal apparatus of Mr. Cooper who refuse to read and adhere to the terms of the contract that I signed.