davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-09
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. (NC)

TO WHOM IT MAY CONCERN : I spoke with a representative at Equifax on XX/XX/XXXX about a late payment that they reported as late back on XX/XX/XXXX. I was told to submit a request to have the falsely stated amount of a late payment of {$210.00}, which I paid, to be removed from my credit report. You can reference my payment history on all of my other bureau accounts and they show 100 % on time payments. Equifax is the only reporting bureau that is reporting a late payment on my credit report, and I don't understand why. I WANT THE LATE PAYMENT TO BE REMOVED IMMEDIATELY AS SOON AS POSSIBLE, because this is ruining my life and credit report. I can not rent a place or get a loan to stay because of this bad mark on my report. PLEASE REMOVE THE LATE PAYMENT IMMEDIATELY. 

In accordance with the Fair Credit Reporting Act Equifax, has violated my rights. 

15 U.S. Code 1681 Section 602 A. States I have the right to privacy.

15 U.S. Code 1681 Section 604 A Section 2. States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-01-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (UT)

At our request, my loan with Specialized Loan Servicing, LLC ( SLS ) went into forbearance on XX/XX/XXXX through XX/XX/XXXX due to lost income as a result of the COVID-19 pandemic. On XX/XX/XXXX SLS automatically extended the forbearance through XX/XX/XXXX. I then applied for a loan modification in XXXX XXXX and because of numerous communication failures and unhelpful/unqualified customer service personnel, I am still not able to resume a monthly payment schedule. Once I applied for the loan modification, I was inundated with 7 applications ( in total ) from XXXX through XX/XX/XXXX all requiring different information and most were rejected for inane reasons. Finally, on XXXX XXXX, XXXX, I was informed that my application had been accepted and under review for assistance. Then on XX/XX/XXXX, I received a letter from SLS stating that they were awaiting my property valuation before they could proceed. However, I have two property valuation documents sent from SLS dated XXXX XXXX and XXXX XXXX, XXXX respectively. I have recorded all calls to and from SLS and the runaround I've received ( not to mention the customer service staff 's total lack of knowledge/experience regarding my loan modification ) has been totally unacceptable.
Consumer complaint received 2022-04-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Affirm Holdings, Inc (TX)

I have contacted Affirm in XXXX of XXXX via phone, on XX/XX/XXXX via email, XX/XX/XXXX, via website on XX/XX/XXXX and today on the phone XX/XX/XXXX. I have spent hours on the phone waiting for a supervisor to be told XXXX is not available. From what I gather, someone hacked my account and changed my email and disabled my automatic payment. When i call and verify my info there is one piece that doesn't match and they tell me they can't do anything and to watch my email. I have had to disabled the email. I was finally able to payoff one loan because it was sent to a creditor. I am at a loss and this company has reported months of late payments and one of the accounts as a delinquent account. I am a consumer that pays my bills ontime. If i were past due the company should have sent a notice in the mail. I was not aware that the account was not autodrafting. We are talking about two accounts totaling less than {$200.00} where payments were made timely via autodraft until they allowed someone to steal my account. Please help me in getting this resolved with a company that everytime i call i get the runaround and only a supervisor can help yet a supervisor is never available.
Consumer complaint received 2023-08-09
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. (LA)

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, Equifax, and XXXX. 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 The 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 2023-01-18
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. (AZ)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX opened XX/XX/XXXX has violated my rights. 

15 USC 1681 Section 602A states I have the right to privacy.

15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late payment for any reason.
Consumer complaint received 2021-06-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (PA)

on XX/XX/XXXX, I got a call from a debt collector for the paypal account saying I had not paid so I made Postdated check for the XX/XX/XXXX. Looked at my bank statement and I paid for the month of XXXX, the month they claim I've not paid.
Consumer complaint received 2023-08-09
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which 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, NY XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$110.00} XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (VA)

I am a tax ID holder, and I do have credit established here in the US, 1. Experian : I am paying for credit monitoring and I have no problem accessing my information from my computer or mobile. When accessing the 3 credit bureaus from Experian.com, ( which I am paying for ), I have no access to XXXX  or XXXX. I called in Experian and they said I have to actually call the companies themselves and file a case which I did, I opened cases two different times with both companies, XXXX  and XXXX  about 2 months ago from the 1st complaint and about one month ago for the second complaint, and they promise a response to my email which never happened.

2.Transunion : I used to have my credit report online updated only once every year ( I was paying XXXX every month to have my credit available anytime I needed it ), I was upset with this and called them to refund my money, which they did, but they removed my access online to the XXXX  credit report. I called in about a month ago to have it back, no response. 

3. XXXX  : I have online access to the free report every month, called my XXXX, but I need it available 24/7 because I'm planning to fix my credit ( I need to know what my credit report is so I can actually go ahead and pay my debts ) ; I tried to upgrade my account to the paid service, but there was an error at the end of checkout, saying ( call us to number * ) which I did call, opened cases in two times, one two months ago, and another one month ago, no response whatsoever, this is why I am writing you.

4XXXX XXXX XXXX : They gave me a very bad rate considering was the only company will approve me because I am a Tax ID Holder even though my credit was very good at that time. I think this is discrimination.
Consumer complaint received 2023-08-08
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: Fidelity National Information Services, Inc. (FNIS) (CA)

ChexSystems Attention : Dispute Department XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Subject : Dispute of Derogatory Account in My Name ; Victim of Identity Theft Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your immediate attention a concerning matter regarding my identity and the fraudulent activities associated with it. I have recently become aware that a derogatory account reported by XXXX XXXX, under my name, is a result of identity theft. I hereby request your cooperation in resolving this issue promptly to prevent any further harm to my financial well-being. 

Unfortunately, I discovered this fraudulent account when I received notification from XXXX XXXX  stating that my account was delinquent. However, I have never opened an account with XXXX XXXX, and I am not familiar with this derogatory entry or its associated activities. It is evident that I have fallen victim to identity theft, wherein someone has unlawfully been using my personal information for their own financial gains. 

In light of the above, I request your immediate attention to address this matter and conduct a thorough investigation into the fraudulent account reported by XXXX XXXX. I kindly ask you to take the following steps to assist in rectifying my situation : 1. Verify and investigate the existence of the derogatory account under my name. 
2. Clearly communicate with XXXX XXXX  regarding the fraudulent nature of the reported account. 
XXXX. Request XXXX XXXX  to provide evidence supporting their claim. 
4. Promptly remove the derogatory entry from my ChexSystems report. 
5. Provide me with a corrected and updated ChexSystems report reflecting the removal of the fraudulent account. 


I kindly request your support in resolving this matter as soon as possible. As a victim of identity theft, I have also taken several additional measures to protect myself, such as filing a police report and notifying the Federal Trade Commission ( FTC ). Enclosed is documentation confirming these actions. 

Please provide me with updates regarding the progress made in resolving this issue and keep me informed of any further steps required from my end. I appreciate your understanding and cooperation in assisting me during this challenging situation. 

If you require any further information or clarification, please do not hesitate to contact me via the above-stated contact details. I am available at your convenience to provide any additional information that may aid in the investigation. 

Thank you for your urgent attention to this matter. I hope for a swift resolution to clear my name and restore my financial stability. 

Yours sincerely, XXXX XXXX
Consumer complaint received 2023-01-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

wells fargo says I owe them over XXXX dollars and i did have three account with them but they were consider prepaid account and i was not able to overdraw them but little did i know some how they got overdrawn and now they say i owe over {$1000.00}
Consumer complaint received 2022-04-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Global Lending Services LLC (OH)

Purchase contract started on XX/XX/XXXX. The term was for 72 months. As of XX/XX/XXXX I am being told that the balance is {$10000.00}. Which means in 6 years Global lending have only credit to my account appx {$5000.00}. The Purchase price was only XXXX and I put XXXX down so the finance portion should not have been over XXXX. I have paid my note on time every month and they are still charging me late fees
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi, XXXX XXXX XXXX put a delinquent status on my credit report thats past due Im not past due this was a prepaid credit card. Theres no reason why they should be reporting anything. I made a complaint to the FTC. This information is not accurate. They are maliciously derogatory, mixing up my credit report by reporting false information on it thats not mines. 

XXXX XXXX keeps putting 120 days past due that is not my account. I have no knowledge of that of whats going on. I am not 120 days past due whatsoever. Somethings wrong on my status Im not 120 days past due. I have a fraud alert on my account. They keep doing it over and over again I keep disputing it over and over again the credit bureaus are allowing this to happen. 

XXXX keeps refreshing and reporting derogatory on my credit report. I paid this account off. I dont owe them any money. They keep putting fraudulent information on my account thats not mine.
Consumer complaint received 2024-02-26
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. (NJ)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> DEPT OF ED XX/XX/year> DEPT OF ED XX/XX/year>
Consumer complaint received 2023-05-09
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. (TX)

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 2023-05-09
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. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-08
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: CITIBANK, N.A. (AZ)

Hi, I never apply for this card, they given to me to the store.I never read the information on the letter they send to meXXXX XXXX XXXX XXXX.Now after one year the charge {$890.00} for inters fee.Im on dXXXX I cant afford to pay the inters that I newer know.Thank you
Consumer complaint received 2023-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (NY)

They are increasing the APR from XXXX to XXXX that is a big hike and increase and I can not afford it if they decide to increase I am going to be rejecting a change and once the balance is paid off, I want them to remove it out of my credit report completely. I would like a letter stating once my balance is XXXX they will remove it from my credit report.
Consumer complaint received 2023-05-09
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. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-09
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)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Please delete these accounts on my credit file ASAP.
Consumer complaint received 2023-05-09
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. (FL)

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 



XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.