davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to file a complaint regarding unauthorized inquiries on my Equifax credit report. Upon reviewing my credit report, I noticed that there were inquiries made without my authorization. I am requesting that the original signed contract that authorized these inquiries be provided to me, and I request that these inquiries be validated and removed from my credit report as soon as possible. The Fair Credit Reporting Act guarantees that only those with my permission can access my credit report. Please provide me with evidence that this inquiry was authorized by me, such as a credit application with my signature on it, or else delete it from my report. The unauthorized inquiries are listed below : XXXX. XXXX XXXX XXXX XX/XX/2023 XXXX. XXXX I believe that these unauthorized inquiries have negatively impacted my credit score and have caused me financial harm. As a consumer, I have the right to protect my credit information and ensure that my credit report is accurate and up to date. Therefore, I urge the Consumer Financial Protection Bureau and the Credit Bureau to investigate this matter and take appropriate action to remove the unauthorized inquiries from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit One LLC (FL)

I have no association with CreditOne LLC. They have been unlawfully accessing my social security number in order to run hard inquiries on my report. The most recent one noticed again was on XX/XX/2022. I never authorized or signed any contract with CreitOne LLC and have no legal binding contract with them. However, they still continue to steal my identity and use it to put negative hits on my credit report. I have filed a Identity Theft Report with the Federal Trade Commission and continue to take further measures to protect my identity.
Consumer complaint received 2015-05-22
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ALTERNATIVE DISPUTE RESOLUTIONS (WI)

There are many complaints about this company : They did threaten to come to my home and " arrest '' me. After the XXXX call, I called and left a voice mail message asking them not to contact me by phone again. If I have a legitimate debt, I told them to send it to me in writing. I received a call from her again the next day as well from another woman representing the same company. This woman 's tone was not as aggressive but she also threatened me. I called again, left another voice mail instructing them not to call me any more and to send me something in the mail if this is a legitimate debt. I also told them I would be filing a complaint against them. XXXX of them calls from a toll-free phone number and the other XXXX calls from a local # XXXX phone number that just rings when you call it. No voice mail. 

In addition, they also called my XXXX year old mom and also threatened her AND DISCLOSED personal information to her about me which made her very upset and nervous because they were telling her I needed to go to court otherwise I would go to jail!! 

Please stop these people and let me know if there is anything that I can do to HELP you stop them!
Consumer complaint received 2023-05-26
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2023-05-28
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 — Investigation took more than 30 days
Company: Mr. Cooper Group Inc. (NY)

my current mortgage servicer Nation Star DBA Mr Cooper, reported misinformation on my credit report. they reported on my credit report that i was XXXX  days late on my mortgage payments, while they fail to accurately specify which month i was late. Ive spoken with them on the phone adnauseam, even tried to fix the issue with their dispute department to no avail. 
Nation Star have ruined my credit score, making impossible to me to acquire a mortgage at this time or get credit. any resolution in this matter would be greatly appreciated.
Consumer complaint received 2022-11-17
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: EQUIFAX, INC. (ME)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$610.00XXXX XXXX XXXX XXXX XXXX  ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXX XXXX XXXX ), ( Account Number XXXX, Balance {$250.00}, Date Opened XX/XX/XXXX ), XXXX XXXX XXXX Account Number XXXX, XXXX {$110.00}, Date Opened XX/XX/XXXX ), XXXX XXXX XXXX ( Account Number XXXX, Balance {$0.00}, Open Date XX/XX/XXXX ), XXXX XXXX ( Account Number XXXX, Balance {$0.00}, Open Date XX/XX/XXXX ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had a Capital One Credit Card and I wasnt able to make the payments at the time. When I tried making the payments, Capital One decided to close my account. This led to my credit score dropping very bad
Consumer complaint received 2023-05-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (CA)

Hi my name is XXXX XXXX, and I signed up for Synchrony bank through Amazon to make a purchase of {$88.00} on XX/XX/XXXX and was never issued a credit card by mail. Without the card I was unable to sign into my account with Synchrony bank which ended in XXXX. I was unable to log on to my account until yesterday, XX/XX/2023 and I paid off my debt. My credit score went down and my Synchrony account shows that I made the payment but they are still demanding {$44.00} and saying that my account is delinquent. I have been getting harassment calls every single day since XXXX about making a payment and still got a call this morning even though my payment was processed.
Consumer complaint received 2024-03-31
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. (PA)

I am written you this statement for you to delete the following information provided on my report. The items I need deleted are listed in the report. I am a victim of identity theft and I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission, and I have also attached the federal trade commission affidavit. Now that I have given the following information about my report, please correct these errors or I shall proceed with involving my attorney.
Consumer complaint received 2023-05-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Higher Education Servicing Corporation, Inc. (UT)

They report to credit bureaus that I am XXXX days past due but I am protected from federal student loan repayments until after the Supreme Court rules on loan forgiveness. The company did the same thing during Covid protections.
Consumer complaint received 2015-12-28
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: First Recovery Solutions, Inc. (MD)

Received a call from First Recovery Services or Solutions stating I took out a payday loan online in the amount of {$350.00}. I informed them that I had not taken out any payday loans online. I asked First Recovery Services what their address was. They would not provide it. I asked them to provide me with the date it was taken out. They that the loan was taken out prior to XX/XX/XXXX and charged off. I asked them to provide me with proof that there was a loan. They would not. 

The next person said the loan was refinanced by XXXX XXXX XXXX in XX/XX/XXXX and that more than {$500.00} is owed. Once again, they could not provide me with dates and would not provide me with proof. They said they would see me in court because I would not pay them. 

I have not taken out any payday loans and I certainly did not refinance anything in XX/XX/XXXX. I have never received notification nor have taken out such a loan. I continuously check my credit and no such creditor has been put on there. They provided me with an address that is more than 10 years old. 

They have called more than 10 times from various numbers. They had a guy from what they indicated was " their legal '' department also called me from an XXXX number and then he called three other times from XXXX. They have called various family members of mine in informing them that it is urgent to get a hold of me with and give them a claim number. They have contacted my significant other 's business four to five times. This loan is not mine and this is harassment.
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Throughout the duration of this account, I've consistently made sure payments are made promptly, ensuring they never fall behind schedule. The reasons for the appearance of late payment remarks on my accounts are unclear to me. Referring to 15 USC 1666b - Billing Error, corrections should be made to rectify any discrepancies.
Consumer complaint received 2023-07-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (VA)

PayPal has debited 2000 from my account to buy bitcoin. Funds have been removed and are " available ''. When attempting to move them they say unexpected error. When I call them they say its for my security and they can not give me my money. They managed to take my money just fine but refuse to allow me to do it. They claim they are just a financial services company so they can keep my money with no recourse as long as they want and I can do nothing about it.
Consumer complaint received 2023-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY ()

Hello, I applied for a secured credit card with Wells Fargo in XXXX. During the application process I paid a security deposit of {$300.00}. I never used the card an the account was subsequently closed by Wells Fargo. 
I have not received the {$300.00} XXXX paid as secured deposit and all attempts to get this have been unsuccessful. Would be grateful for your kind assistance in getting this back. I have now moved out of the XXXX and live in the XXXX. 
I can not find the card number of my credit but have added my old debit card number with Wells Fargo to help in locating my account. 
My old Wells Fargo checking account details are as follows : Routing number : XXXX Account number : XXXX Kind regards, XXXX XXXX XXXX
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (AZ)

Starting XX/XX/XXXX to date I have written XXXX letters to US Bank and XXXX letters to XXXX, XXXX XXXX and XXXX. Copy of XXXX attached. 

US Bank, XXXX, XXXX XXXX, and XXXX are reporting XXXX items which I believe are false. 

Item XXXX is showing a XXXX  day late on my US Bank mortgage for XX/XX/XXXX. I have asked for the records or the removal XXXX  times. Each time I get the same response from the credit bureaus. They claim the past due was verified but I have receiving nothing from US Bank supporting that claim. The mortgage was in forbearance for covid and should not have been reported late. I would like this removed from all three credit reporting agencies. 

Item XXXX is the balance of my mortgage. The credit reporting companies show I owe a balance of {$630000.00}. The monthy mortage statement shows a much lower balance of {$580000.00}. I have written to US Bank XXXX  times with no reponse. I have written to all credit agencies but they continue to report the incorrect amount.
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

To whom it may concern : I have asked them multiple times to remove all these alerts on my credit file I am trying to buy a house This is my second attempt to get these alerts removed. I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not disputing anything on my credit report as of today. Please open my credit file if you'll have any type of block on it thank you. 
Sincerely,
Consumer complaint received 2023-05-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC. (LA)

Net Credit - Date opened : XX/XX/2022 Amount : {$1000.00} | XXXX {$1800.00}. 

this account was opened as a fraudulent. I don't have any access to this account. Around the time it was open I lost my purse and all my credentials were in there even my phone. Which I didn't have a passcode due to the screen being broke and half the screen was working. I talked to the company they didn't believe me. Also my other credit cards is maxed out because they used them too since my state id was in there also. This becoming a hassle to me because I get phone calls every day from the company trying to explain but they keep saying all this information is actual.
Consumer complaint received 2021-01-11
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: EQUIFAX, INC. (CA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Subject : Dispute of Inaccurate Addresses on Credit Report I am writing to dispute several inaccurate addresses that are being reported on my credit report. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy of the information on consumer credit reports. 

The following addresses appearing on my credit report are inaccurate, as I have never lived at or had any association with these locations : - XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX, GA XXXX - XXXX XXXX XXXX  XXXX, XXXX, GA XXXX The FCRA states that items of information that are inaccurate or incomplete must be removed or corrected upon dispute ( 15 U.S. Code 1681i ). Reporting inaccurate addresses associates me with residences I have never lived at, which could potentially harm my creditworthiness and ability to obtain credit, housing, employment, insurance, and other essentials. 

I am formally requesting that your agency investigate this issue and remove or correct the inaccurate address information from my credit file and any reports provided to third parties immediately. Please confirm in writing once the inaccurate information has been removed or updated. 

Thank you for your assistance in correcting my credit report pursuant to the Fair Credit Reporting Act. I look forward to your prompt resolution of this matter.
Consumer complaint received 2022-11-30
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. (NC)

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. 


XXXX XXXX # XXXX {$4100.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX- Account XXXX XXXX XXXX : {$1900.00} Originator Creditor : XXXX XXXX XXXX XXXX-Account Number # XXXX XXXX  XXXX XXXX- Account # XXXX Balance : {$98.00} Originator Creditor : XXXX XXXX XXXX *******Account Number # XXXX XXXX XXXX- Account # XXXX - Balance : {$970.00} Originator Creditor : XXXX XXXX  XXXX XXXX XXXX-Account Number # XXXX XXXX XXXX XXXX XXXX XXXX-Account # XXXX -Balance : {$90.00} Originator Creditor : XXXX XXXX XXXX- Account Number # XXXX XXXX XXXX XXXX - Account # XXXX 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 2023-05-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Net Pay Advance, Inc. (CA)

Attached, I have sent in pics of my XXXX  checking account and my account history on the Net Pay Advance. Neither don't match and I expect that another payday loan company, XXXX XXXX XXXX might be deceiving me or us in the process. This is due to the arguments I've been having with the prior company on their numerous collection attempts which involved telemarketing calls, electronic transactions, and the legal approval that customers must adhere to in check cashing attempts.
Consumer complaint received 2022-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX and XXXX XXXX XXXX have 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 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (IL)

I received a Notice of Delinquency dated XX/XX/XXXX, addressed to myself and the account holder. Re : Retail Installment Sale or Credit Sale Contract Dated XX/XX/XXXX vehicle ( N/A )... This letter will be included if I can upload it. The notice informs me the contract stated above is delinquent & is my obligation. {$750.00} is due the date of the notice. If I don't pay or make arrangements to pay within 15 days from the date of the notice- ( XX/XX/XXXX ), we may report adverse information about you to a consumer reporting agency and exercise our legal rights against you... 
The account holder did make arrangements and has paid XX/XX/XXXX : {$2900.00} XX/XX/XXXX : {$1800.00} XX/XX/XXXX : {$500.00}. A total of {$5300.00} in an attempt to clear the amount owed as requested in the Notice of Delinquency.

Santander Consumer USA reported negatively on my credit before the 15 day period expired on-XXXX, they stated in their Notice of Delinquency. The account holder spoke with Santander and made arrangements for payment, explaining having every intention of fulfilling that responsibility. Asking why did they report on my credit when arrangements were made. They were asked to remove the report off my credit as I was in the process of moving and could possible be left homeless due to this knocking my score from XXXX to XXXX to XXXX. All in one week. The landlords thought it had to be an error. Unfortunately for me, there was not time to stop the damage.