davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: FORD MOTOR CREDIT CO. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-16
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. (GA)

XXXX, XXXX, & Equifax continue to report incorrect information on the account listed as XXXX/DOFED there are several inconsistencies within the account which means it has not been properly verified as accurate. Furthermore each bureau is actively engaged in reporting fraudulent information because the note that is being used is whats funding this transaction and I can not be indebted to them and the reason they are complicit is because they make a profit for selling my information. I demand the documents used to verify that I am in debt with this creditor. 

Last Verified : XX/XX/XXXX - - Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Creditor Type : Student Loans Student Loans Miscellaneous Finance Creditor Remarks : Payment deferred Student loan - payment deferred Student loan - payment deferred Last Payment : - - XX/XX/XXXX
Consumer complaint received 2024-04-27
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: FORD MOTOR CREDIT CO. (FL)

i went to a dealership in ford XXXX at XXXX  florida zip code XXXX to check my car and the sales man told me that he need my info just to pre qualify me without running my credit and after a day i found out they run my credit many times without my permission.
Consumer complaint received 2024-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Inaccurate, fraudulent, abusive. Damage my opportunity to get credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

IDENTY Theft report attached Please remove all listed fraudulent inquiries from my TransUnion credit report XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023
Consumer complaint received 2023-05-01
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: Experian Information Solutions Inc. (TX)

Recently tried purchasing a new home and was advised of inaccurate items on my credit report. Ive also tried purchasing a car and was unsuccessful in my purchase and had to have my wife get the car loan in her name because of these accurate items.
Consumer complaint received 2023-09-01
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 (CA)

I have carefully reviewed my credit report in XXXX. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against meXXXX XXXX XXXX XXXX XXXX XXXX WELLS FARGO CARD SER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX
Consumer complaint received 2024-04-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PLANET HOME LENDING, LLC (TX)

I have applied to Planet Lending solution center to have a loan mitigation. Planet keeps asking for the same information and running out your time for a positive workout solution to retain your home. 

I am working with a XXXX XXXXXXXX XXXX. His name is XXXX XXXX XXXX and he has been very helpful but Planet is giving me the run-around. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  F XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am extremely worried they will foreclose on my home. 

Please help me best regards XXXX XXXX
Consumer complaint received 2023-09-01
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: Maximus Federal Services, Inc. (CA)

My credit report is showing late payments to DEPT OF ED/XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX  customer service representative.
Consumer complaint received 2024-04-16
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. (TX)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NM)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-11
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'm reaching out today to report that I've been a victim of identity theft. Please consider this letter as a formal dispute concerning the following accounts. I've already reached out directly to all the involved companies and followed the prescribed steps to address this issue. I've also filed an identity theft report with the FTC and have disputed the information with each company. I kindly request your assistance in resolving this matter. XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (MI)

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 tried several times to get these accounts removed let alone my information was an XXXX and XXXX breach some months ago I thought you are will protect 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 USC 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 mental stress as of now. Also it is illegal These company should NOT be furnished peoples information to third-party companies this is ALSO illegal and neglect and fraud. I have already reported this to the local police department and Federal Trade Commission these companies in the credit bureau can be sued for these damages negative affecting my livelihood and putting me in a bad space fill your database is inaccurate, and I am filing against these if these items arent removed immediately.
Consumer complaint received 2024-04-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

I found multiple charges on my card from a company called XXXX. I told them I did authorize these charges and have never done business with XXXX or gave them my card information and all charges from that company are fraudulent. I said I wanted the charges taken off the account. They made one adjustment, and their claims and recovery office did nothing else leaving me with a debt I did not approve. They are useless.
Consumer complaint received 2022-12-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: TRANSWORLD SYSTEMS INC (NY)

The XXXX, has been harassing and using abusive tactics to collect a debt that should be considered a conflict of interest. However the practices that has been implemented includes misleading and deceptive practices, false narrative that includes threats of prison.
Consumer complaint received 2023-04-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Loqbox US Inc (TX)

I have tried yo reach out several times to this company about this fraudulent account that i did not open i don't even know what type of account this is i have wrote this people i have tried to call and email them and they have never responded they are reporting that i am paying or paying i have asked them to show me where the payments are coming from i have never paid them 1 dime i didn't open this account i asked for contract with my signature and they still have never responded
Consumer complaint received 2024-04-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2023-08-31
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

paid balance in full XX/XX/2023 including charged late fee. Comenity proceeded to charge interest and late fees for 6 months on nothing but the interest on late fees. Called and closed on XX/XX/2023. Comenity refused to address the situation and reverse all late fees and interest on the late fees which shouldn't have been incurred due to the balance already paid in full.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (FL)

I WAS NEVER LATE ON THE PAID OFF ACCOUNT, PLESAE SHOW ME DOCUMENTATION PROOF OF TRANSACTION SHOWING I WAS EVER LATE TO SUPPORT YOUR INACCURATE REPORTING ON MY ACCOUNT IF YOU CAN NOT SUPPLY THIS, PLEASE DELETE THIS ALLEGED LATE PAYMENT OFF MY CREDIT REPORT.
Consumer complaint received 2024-04-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (NJ)

The JPMC Bank Visa card shown on my credit report is NOT MINE. I have no knowledge of this credit card. I have not applied for this card, and I never have signed up for this card # XXXX. Please remove this card from my credit report as soon as possible. 
JP MORGAN CHASE BANK failed to provide my signed application. It is identity theft transaction. This fake transaction should be removed from my credit report as soon as possible. It is also the violation of Federal Regulation of 609, the validity of the debt your agency claims I owe, pursuant to the Fair Credit Reporting Act ( FCRA ).

As stated in Section 609 of the FCRA, ( 2 ) ( E ) : A consumer reporting agency is not required to remove accurate derogatory information from a consumers file unless the information is outdated under Section 609 or can not be verified.
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

I keep getting an email every month saying that my statement is undeliverable. My account login has ALL my business and personal credit cards and all the contact info is the same. I should be getting my statement through email and I don't know why I keep getting this notice?
Consumer complaint received 2024-04-26
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (CA)

XXXX XXXX has never remedied the discrepancies ( 1 ) in the amount on the closing disclosures and the actual amount issued to me ( 2 ) or the bait and switch and overcharges of the appraisal fees. This was initially disputed to XXXX XXXX, XXXX XXXX and XXXX XXXX in emails dating back to XXXX, XXXX. They chose to ignore it. 

The indenture trustee, guardian and trustee have all ignored my correspondence. The Servicer has refused negotiable instruments/matured bonds and failed to provide the information I requested in order to support their acceptance XXXX. 

U.S. Bank ( " Servicer '' ) failed to put the account in billing error status despite notification of such, XXXX. 

Servicer continues to ring my phone in violation of longstanding instructions to only be contacted in writing XXXX. 

Servicer continues to report negative information to the credit reporting agencies on me regarding the properties, instead of reporting on the new owner.
Consumer complaint received 2018-09-12
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have an authorized user on my account who tried to get his free annual credit report and XXXX  was unable to provide a report. I called Capital One in XX/XX/XXXX, and spoke with a representative about XXXX  and also explained that the authorized user applied for credit with a company that uses XXXX and was unable to get a credit score. He told me that Capital One reports to all three credit bureaus and it's not Capital One 's fault if the credit bureaus don't report the information that Capital One is providing. I have since learned that Capital One has not reported to XXXX at all. I am uploading, per his permission, a copy of his credit report from XXXX  dated XX/XX/XXXX. I am requesting that you report this authorized user 's Capital One account to XXXX   and that you also add on our previous address. The authorized user 's XXXX report needs to checked for updates to report the correct information. Can you please check my other authorized user also and if it has not been reported to XXXX, please do so. Can you please explain why on his XXXX credit report why Capital One wasn't reported until XX/XX/XXXX dated XX/XX/XXXX, when he became an authorized user in XX/XX/XXXX and why the phone number is not updated that was done months ago. Authorized user 's XXXX credit report is also being uploaded.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CO)

I have gone from a XXXX credit score to a XXXX and still am unable to get approved for any type of credit. I even have an XXXX that was formed XX/XX/2023 that Im unable to get any form of financing for all based on my experian and clarity by experian providing misleading information to myself and the potential lender. I feel that I am being discriminated against by not being able to qualify for any form of financial help when I have shown 2 years of on time payment history and XXXX collections or delinquent accounts.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2020-07-29
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX CHAPTER XXXX BANKRUPTY DISMISSED XXXX US DEPED XXXX {$23000.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX {$3800.00} XXXX XXXX XXXX {$3000.00} XXXX XXXX {$22000.00} US DEP ED XXXX {$1700.00}
Consumer complaint received 2024-01-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: WELLS FARGO & COMPANY (NY)

I XXXX  {$250.00} to XXXX XXXX ON XX/XX/2023 REF # XXXX which is my sister. Through Wells Fargo bank. They claimed that I send the money to a closed account. So I request for my {$250.00} back. The very same day when my sister said she did not receive the money. WELLS FARGO claimed they can not return the money. And could not find the money. I have been trying to get my money back for almost 4, months and its falling to death ears I am retired and is in a fixed income and can not afford to lose this money usually if someone catch the problem on time the back will reverse the charges. Not in this case. WELLS FARGO refused to give me my money back. I am a XXXX, years old XXXX  I dont know what else to do. please help me. Thank you. XXXX XXXX
Consumer complaint received 2022-11-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AZ)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.