davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: General Motors Financial Company, Inc. (FL)

I am a victim of identity theft and around XX/XX/2019 my GM Financial auto loan was reporting the wrong amount owed to XXXX  as well XXXX  therefore an inquiry was initiated to have it corrected. The following month my auto loan account was completely erased. 
Instead both XXXX  and XXXX has deleted my account completely affecting my credit score and report. I have contacted GM Financial in regards to assisting both bureaus on reporting the right info to no avail it haven't been fixed. A representative from GM Financial told me that my account should be reporting to all 3 major XXXX, XXXX  and XXXX  correctly after XX/XX/2019. I know that XXXX  and XXXX  has had my credit accounts mixed in the past and has had a " mixed profile '' after my Identity theft.
Consumer complaint received 2024-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I want to officially write a complaint against this company about the alleged debt as I believe they have violated the FDCPA. I never made a transaction with this company and I don't know about this debt that they are tryng to collect from me. I have previously requested for a debt validation documents but I have yet to recieve a proper response from them so I want to take this to your attention and please investigate because I honestly unaware of such debts. This company have XXXX  unknowns accounts showing on my report and they are the following : XXXX, XXXX
Consumer complaint received 2023-11-14
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: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-14
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. (MN)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-11-14
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)

Im submitting a complaint to you today to inform you I was the victim of XXXX XXXX. I researched how to remove the fraudulent items in my report and found that I need to visit XXXX XXXX XXXX or XXXX XXXX XXXXXXXX to file a report Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove any items listed on an ID XXXX XXXX. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX : XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance : XXXX ; XXXX XXXXXXXX Balance : XXXX ; XXXX XXXXXXXX Balance XXXX XXXX ; XXXXXXXX XXXX XXXXXX/XX/2021 ; According to FCRA XXXX XXXX ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2023-11-14
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. (NY)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-03-13
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: Experian Information Solutions Inc. (MA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account XXXX XXXX has violated my rights.

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.
Consumer complaint received 2023-06-09
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. (OK)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-11-14
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. (UT)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 an account without my written instructions
Consumer complaint received 2018-11-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (CA)

I make additional principal payments every month. I also run a loan payment program to assure my numbers agree with the XXXX XXXX XXXX statements. The lender and I disagree most months by one cent, always in XXXX 's favor, but in XXXX of this year there was a significant discrepancy in the balance. I called the " contact us '' number on XX/XX/2018 and spoke with XXXX ( # XXXX ).  XXXX told me lender had moved {$530.00} in error from my principal payment to the escrow account. I told XXXX that I wanted the error corrected and I requested a written accounting of the error, correction, and balances to demonstrate I have not been injured in any manner. XXXX sid she would send an explanation and correct the problem. Neither occurred. 
On XX/XX/2018, XXXX XXXX, after holding for 42 minutes, I spoke with XXXX ( # XXXX ). I attempted to explain the error and lack of correction and lack of requested documentation. Rather than assist me, XXXX placed me back on hold until the call center closed and my call was disconnected. Twice I have sent a message through the " contact us '' at XXXX XXXX XXXX XXXX XXXX   and not received a response.
Consumer complaint received 2024-05-08
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: DIGITAL FEDERAL CREDIT UNION (CA)

Noticed an unknown hard inquiry on my credit report. I didnt authorize this. I have no accounts with this company. This needs to be removed. 

XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MA XXXX
Consumer complaint received 2023-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

Ive had a fraud alert on my credit profile for a couple months now and I am still getting hard inquiries to my credit report. I have no knowledge of any of the hard inquiries on my credit report, which is a result in identity theft.
Consumer complaint received 2023-11-14
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. (IN)

I recently reviewed my consumer reports and noticed that there was XXXX late payments listed on my account that I was never late paying. Its the consumer reporting agencies duty to report Information as accurate as possible. I was not late on this account XXXX XXXX. Please investigate and provide proof with statements showing late payments. If proof can not be provided, please remove the late payments from my report. Thank you.
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PRONTO FINANCE INC. (TX)

XXXX  XXXX XXXX is stating on my credit that Ive applied for them but when I go look for a account with my name there is nothing there when I call them they say it does not show that Ive applied for any loan from them so I dont understand why would it be on my credit.
Consumer complaint received 2023-11-14
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: Experian Information Solutions Inc. (NV)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (OH)

My XXXX  and I were scammed years ago in XX/XX/2023. During that time I had a Bank XXXX XXXX account. A person sent her an email telling her, her prom pictures looks beautiful they would like to purchase each pictures at {$500.00} a piece. So they tell her they would deposit check on the account once the check is clear send it back. Then they will send more money. Then the account ended up being suspended and closed because I couldnt pay back the money Ive been scammed for right away. I would like to get my name and my XXXX name removed from early warning. It wasnt her fault. She was scammed.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Exeter Finance, LLC. (TX)

I applied for a car and only gave the dealership authorization to run my credit once. Instead they ran it multiple times. According to FCRA 605B, it is illegal to report information on my credit report without my permission. This is a defamation to my character and I would like this removed immediately.
Consumer complaint received 2018-11-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AZ)

I have a mortgage with Wells Fargo Home Mortgage ( WFHM ) and I suspect a fraudulent attempt by WFHM to  place forced insurance on my property. Here is the timeline of events : XX/XX/2018 : WFHM advises they need to see proof of my condominium flood insurance policy. ( Letter # 1 ) XX/XX/2018 : WFHM advises they plan to purchase insurance unless proof of flood insurance is received. ( Letter # 2 ) XX/XX/2018 : I upload the requested certificate of insurance to their website, XXXX. 
XX/XX/2018 : WFHM sends a " Second and Final Notice '' ( Letter # 3 ) XX/XX/2018 : I speak with XXXX XXXX at WFHM. I also fax a copy of my condo association 's flood insurance certificate of insurance. Mr. XXXX assures me that he received the faxed documents and will update WFHM 's system. 
Around the same time, I receive a letter dated XX/XX/2018 ( Letter # 4 ) that advises that the temporary flood coverage WFHM had placed had been cancelled and that I was not charged. 
XX/XX/2018 : WFHM sends Letter # 5 advising they need to see proof of current flood insurance, yet again. 
XX/XX/2018 : I fax the documents again. I speak to no less than 4 representatives at WFHM, one who hung up on me. I was assured that I would receive a confirmation letter that WFHM had received the proof of flood insurance coverage and that no forced insurance will be placed. 
XX/XX/2018 : WFHM sends Letter # 6 which advises that " We've paid the premium for new insurance policy '' and that " we didn't anticipate paying for a new insurance policy. This could cause a shortage in [ my ] escrow account. '' The letter goes on to advise that I should contact the other carrier to cancel the insurance policy and obtain a refund. ( I can not unilaterally cancel my master condo flood insurance. ) XX/XX/2018 : I speak with yet another WFHM representative who advises that the letter was an incorrect letter and that no forced insurance was placed on my account. I request written confirmation. My matter had been escalated to the " executive office '' resolution team.

I do not care whether this is just merely incompetence or an attempt by WFHM to earn fraudulent fees and premiums. This is nothing short of harassment.
Consumer complaint received 2019-11-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc. (TX)

I was billed over {$10000.00} by a hospital. All of that was paid by my insurance except for a {$75.00} co-pay. I told the staff that I could not afford the {$75.00} co-pay. They gave me " financial assistance '' forms to complete while I waited to see a doctor. I turned them in. They claim they lost them. Regardless, the debt collector has been charging me {$80.00} consistently. They never even sent me correspondence to dispute it. Although I have called and written them via their website disputing it. I also had my ( now prior ) insurance company call the hospital in an attempt to resolve. They refuse to absolve the amount claimed or seek the proper amount, pursuant to FDCPA and FCRA. They have harmed my credit on all three bureaus instead of complying with my requests and the law. Please make them pay and remove it. Thank you.
Consumer complaint received 2023-11-14
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)

This marks my 9th attempt to dispute the information in my credit file arising from an alleged identity theft. Once again, I am submitting an identity theft report ( # XXXX ) in accordance with FCRA Section 605B ( a ) ( 1 ) ( 2 ), mandating the removal of any information resulting from alleged identity theft within 4 business days of receipt, provided with ( 1 ) proper proof of the consumer 's identity and ( 2 ) a copy of an identity theft report. Please REMOVE the items listed in this complaint : Experian : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (CA)

under Section XXXXUSC XXXXg, of the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to send consumers a written validation notice [ XXXX ] XXXX five  days after the initial communication with a consumer in connection with the collection of any debt.
Consumer complaint received 2024-05-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2024-05-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (FL)

I have tried paying back my XXXX XXXX XXXXs through Nelnet several times using their website and or automated telephone system and several times it has been rejected. I took their suggestions of re-entering my routing and account information several times and no success. Regardless if I pay through their automated system or their website. The only way I have managed to pay is on the phone with one of their agents only using a one time debit payment which is incredibly inconvenient because they have long wait times for their phone agents and only certain hours of operation. Each time I have this issue, I bring it to the attention of their agents but no one seems to understand what is going on. I have been told several times by their representatives that several different customers have been having the same issue. It is extremely pestering to pay and I feel like there is no solution and I have been going through this since XX/XX/year>.
Consumer complaint received 2023-11-14
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: Experian Information Solutions Inc. (IL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (GA)

I was sued by XXXX XXXX and had a scheduled date on Monday, XX/XX/year> at XXXX. The hearing was schedule via XXXX. Not only was the attorney approximately XXXX minutes upon logging onto to the court hearing, but Upon request for required documentation written on my answer denying the claim prior to court and during the court hearing such as a signed written agreement, disputing the amount owed and a service that I dont remember having. The attorney XXXX XXXX representing XXXX XXXX and judge stated that once Im being sued they dont have to provide a written agreement. I did not deny the facts of opening an account with CreditCare ( Synchrony Bank ) ; however, I did not agree with the amount owed and was never notified of the debt owed by XXXX XXXX. The 1st letter received was a lawsuit from XXXX XXXX. I am going to appeal the decision made with the XXXX XXXX XXXX in XXXX GA because XXXX XXXX had unsubstantiated debt, attempting to collect on a debt without offering to provide necessary documentation to me within XXXX  days and initiated the debt collection lawsuit without possessing required documentation needed.