davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am writing to express my concern and dissatisfaction regarding the handling of fraudulent items on my credit report, particularly in response to my initial attempt to have them removed. 

I provided detailed documentation and evidence to support my claim of identity theft and fraud. However, despite the seriousness of the issue and the evidence presented, the fraudulent items remain on my credit report. 

This failure to address the issue adequately is unacceptable and has caused significant distress and uncertainty. It is imperative that these fraudulent items are promptly and thoroughly investigated and removed to prevent further harm to my financial well-being and reputation. 

I expect a prompt and satisfactory resolution to this matter and request confirmation of the removal of these fraudulent items once the necessary actions have been taken. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, IL XXXX XXXX BANK XXXX **** XXXX : {$2600.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$920.00} XXXX  XXXX Balance : {$380.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX BANK XXXX XXXX XXXX : {$2600.00} XXXX XXXX Balance : {$3000.00} XXXX  XXXX Balance : {$920.00} XXXX  XXXX XXXX : {$380.00} XXXX XXXX Balance : {$3000.00XXXX XXXX XXXX Balance : {$920.00} XXXX  XXXX Balance : {$380.00} XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-12-11
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: WELLS FARGO & COMPANY (WA)

Wells Fargo Auto Loan Services provided an auto loan to me. Wells Fargo also provided without my consent or knowledge a third party auto insurance policy with XXXX XXXX XXXX and deducted from my monthly payment ( s ) the collateral coverage premiums before assigning my payment to my loan. I already had auto insurance on the vehicle with XXXX. 
I was behind on 3 payments per Wells Fargo due this monthly payment deduction for insurance I didnt need. The loan matured in XX/XX/2019. I paid the full loan amount due of {$3600.00} XX/XX/2019. Loan was paid early. Before mature date. 
Reported to collections agencies that XX/XX/2019 {$3300.00} written off and XX/XX/2019 payment received {$360000.00} on XX/XX/2019. Account reported as charge off bad debt. 
Three credit buried have different information reported. 
I have disputed this account for years and still the account remains a bad debt. 
A refund check on insurance premiums was refunded me but nothing with credit report happened. Remains a bad debt on my credit report
Consumer complaint received 2023-10-19
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 2023-10-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (WI)

This has happened to me two years in a row now. 

Freedom Mortgage has sent me the upcoming years Escrow Analysis Statements with large errors on them leading to my monthly payments increasing by $ XXXX {$800.00}. Last year it took me over half of the year with close to XXXX hours on the phone going line by line with my payments to prove that I was in the right with my payments, and they were incorrect. This year they have done the same thing. With me even overpaying into my Escrow account off of excess payments last year they are saying I am around {$5800.00} short when I should have around a {$2000.00} surplus. 

When I call the company, they say they will run a new statement ( which takes 10 days somehow ) and someone will be in contact with me. However, they have never called back once even when I proved I was in the right multiple times. 

I can not believe this is happening two years in a row and I do not know what to do anymore.
Consumer complaint received 2024-03-14
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)

Unknown accounts. Fraudulent accounts Unknown medical collections/ Charge Offs Florida Department of Revenue Child Support XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (NJ)

Spoke with a representative on XX/XX/2023 at XXXX and he denied to send me a bill, he also stated on a recorded line that the address he had on file was handpicked from running my information in a system and I told him that he can not randomly pick a address and that the address does not belong to me. These people are listed on my credit report and my score decreased significantly due to the company not accurately having my information correct. They also refused to send me a bill after I requested them to send me the bill via email. I also spoke with the original creditor XXXX XXXX XXXX and they said I do not have anything in collections and that any previous balance I did have with them was discharged and paid off with my insurance
Consumer complaint received 2023-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

These accounts are reported with incorrect information in my report even though they are not mine. 
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 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX  days old.
Consumer complaint received 2023-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2024-03-14
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. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX  XXXX Account Number XXXX Account Name XXXX  XXXX XXXX Account Number XXXXV Account Name XXXX XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

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 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (DE)

In accordance with the fair credit reporting act, this creditor has violated my rights! I have the right to privacy! The consumer reporting agency can not furnish an account without my written instructions! A creditor may not treat a payment on an account under an open and consumer plan as late for any purpose! 

XXXX XXXX XXXX XXXX ( car loan ) for the amount of approximately {$690.00} for XX/XX/2023 has reported late on my credit report
Consumer complaint received 2023-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$560.00}
Consumer complaint received 2023-06-22
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. (NC)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$350.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$120.00} ; XXXX XXXX XXXX Balance : {$4900.00} ; XXXXXXXX XXXX XXXX Balance : {$800.00} ; XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-04-26
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: EQUIFAX, INC. (GA)

I sent in dispute for non compliance back on XX/XX/2023 and I know a reinvestigation nor method of verification was ever completed.This was not sent in error, not a material misrepresentation, and If you feel you have not violated my rights please have a senior executive from your company certify under the penalty of perjury.
Consumer complaint received 2020-04-15
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. (CO)

CROOKED NOT HONORABLE COMPANY!!! LIES, LIES AND LIES. 
I was solicited by XXXX 
I've replied to this company in XXXX of XXXX, and told them that I am open for offers, however, if they are going to do hard credit pull before showing me possible terms, I am not interested. 
The case was closed. 
However about 3 month later Hard credit inquiry appeared on my credit, without my consent or knowledge. On XXXX After contacting them and speaking to Manager XXXX, I was told pretty much that they reserve the rights to pull my credit anytime, and without my consent, which is ridiculous and not acceptable. I want this unauthorized inquiry removed from my credit report, and all my personal records destroyed and removed from their database. My credit score dropped due to such unauthorized inquiry. Dishonorable company!!!
Consumer complaint received 2023-07-25
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. (FL)

per 15 1666B no lates should be furnished per 15 usc 1681 b as well. I did not authorize any furnishing, i did not provide my consent or anything. im disappointed in the companies and the matter needs to be resolved asap.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. 


I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. 
The information I am disputing is as follows : XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2023-10-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Arco Collection Services LLC (TX)

1. Under Texas law, most creditors aren't allowed to garnish your wages except for court-ordered child support payments and spousal maintenance. ( Tex. Const. art. 16 28, Tex. Civ. Prac. & Rem. Code 63.004 ). Texas employers must also comply with garnishment orders for federal debts, like federal student loans and taxes. But not garnishment orders that involve consumer debts. 
3. ARCO Collection knowingly and illegally garnished my paycheck knowing that I lived in Texas, this is unfair and deceptive on XXXX XXXX & ARCO Collection. 
4. XXXX XXXX called my phone stating that he was the attorney for ARCO and if I paid him {$540.00}, + the processing fee & setup a by-weekly payment that he would stop the garnishment that day. XXXX XXXX is not the attorney for ARCO but a manager for ARCO. XXXX was DECEPTIVE 5. I was never contacted to restart payments by this creditor ( ARCO ), they immediately started garnishing me. 
6. I am attaching the garnishment paperwork that I received from my employer, I am attaching my check stubs that shows ARCO broke the law and I am attaching my bank statement where XXXX XXXX contacted me stating that If I paid the {$540.00} that day that he would stop the garnishment. 
7. 2 weeks later after I paid the {$530.00} to stop the garnishment another garnishment was taken from my paycheck. I called ARCO to speak to XXXX and XXXX stated that I owed him that payment for him having to garnish me. 
8. XXXX XXXX ARCO Collection is - unfair, deceptive, or abusive acts or practices by writing rules, supervising companies, and according to the law. 
9. Also, ARCO has not sent me a update of my balance after it was requested. I do not believe that XXXX and ARCO are following any laws that you set.
Consumer complaint received 2023-05-02
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: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act XXXX Account named 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-11-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

The amount of interest due does not take into consideration the principal amount that was paid during that month. When payments are made during the month towards principal, the interest due should be applied as a portion to the actual interest and remaining to the principal. I have had XXXX with XXXX XXXX and they follow this practice. Here Citizens Bank is taking advantage of the customer and making a profit from illegal practice. 
Payment due amount is calculated based on the outstanding amount. But outstanding amounts vary throughout the month due to the incremental number of payments made towards the principal. 
In the XXXX statement issued on XXXX, Principal balance - {$200000.00} Minimum amount due - {$1300.00} Payment due date XX/XX/2023 Total payments made between XX/XX/XXXX and XX/XX/XXXX - {$78000.00} Total advance - {$17000.00} When Citizens applied the interest of {$1300.00}, the outstanding amount in the account had substantially reduced by amount of {$61000.00}. This is almost a 30 % reduction. But Citizens applied the full amount to the interest without splitting between interest due and principal. 
To be clear, interest {$1300.00} can not be considered as the right amount ( due to the payments ). In this case, the interest should be calculated while applying the payment and the remaining amount should be applied to the outstanding principal. Again, XXXX XXXX and other banks do follow this practice and Citizens is ignoring this component of calculation thus taking advantage of the customer.
Consumer complaint received 2023-02-16
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Quick Bridge Funding, LLC (UT)

On XX/XX/2022 we had a letter taped to our door addressed to XXXX XXXX. My name is XXXX XXXX. It was for collection of a loan that we had never taken out. I took it to my bank and they said it was fraud. We tried to call the company and they told us they'd call us back and never did. We then assumed that it was a scam and that we'd never hear from them again. I got served papers today to appear in a lawsuite in a month for a loan I never took out. Little did we know my phone, computer, or something had been hacked because I have email correspondence between my email and the company that supposedly gave us a loan. I never received any money. If you have any suggestions on getting out of this lawsuit that would be great. Thanks.