davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2022-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (NY)

Serve is a prepaid credit card provided by american express. I've been struggling to use this product for months but it just keeps getting declined for " Fraud Detection '' purposes. I've tried over 6 times to contact Serve and fix this problem but I was unable to connect to a representative. They either drop calls or hang up on you or just can't hear you when you finally connect. I finally gave up on their product only to find that there is no way to close the account except by withdrawing all your money. After creating a product who's only purposes seems to be to keep you from accessing your own money ( by sending false fraud alerts nearly every time I used it ) Serve needlessly creates complex barriers to closing the account and getting your money back. Even though I already have a linked bank account I have to re-link it again to withdraw money. A process that takes 3-5 business days and involves many intricate steps. I could try to spend the money but then I get a fraud alert. I could try calling them but then they hang up. For some reason there is no option to just close the account and send me a check with my money. Serve and American Express have created a predatory product and it must be stopped!
Consumer complaint received 2021-07-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (KS)

I was contacted by a company phone number XXXX with a return call number of XXXX they left a voicemail stating its a legal matter and will be going to my last known address and place of employment. I called the number back and got a voicemail that didnt seem legitimate. I left my name and phone number and got a call back from a man saying he represented ace cash express and that I owed {$420.00} from a loan in 2019. He had my bank information the last four of my social and my birthday. He said ace was going to sue me for {$1200.00}. I told him I did not have a loan with them and any loans I previously had, had already been paid. He told me he would contact ace and see how they wanted to proceed. I called ace cash express customer service collection line who informed me that I did not owe anything at all and that this was a scam.
Consumer complaint received 2021-07-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XXXX I sent a letter in regards to incorrect and unverifiable things on my credit report. Right up 'til the present time more than 60 days after the fact I have not gotten a response yet, I feel as if I'm being exploited and that my questions are being avoided. I demand these accounts be deleted immediately or I will file for litigation as a result of the XXXX  you have caused me. My data was additionally affected by the Equifax data breach and It's possible that the incorrect person got their hands on it. Please Help to resolve the matter. Sadly this is going on 4 months, please resolve this issue
Consumer complaint received 2021-07-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

On XX/XX/2021 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. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-27
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. (FL)

Ive reached out to XXXX  and Ive informed them that I had 53 inquiries that I did not authorize or recognize and they still would not remove the inquiries I also have a credit repair person that has been sending out letters with no response
Consumer complaint received 2021-07-27
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. (TX)

I have been a victim of identity theft. I recently reviewed my credit report to find request for my credit that I did not do. I am not sure who the person is & how they got my information but this is all Fraudulent request.
Consumer complaint received 2021-07-27
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: AES/PHEAA (GA)

On today XXXX I checked my credit and seen some thing on there I did do. 

Account Name : XXXX XXXX Date Open : XXXX Account Name : XXXX XXXX XXXX Date Open : XXXX Account Name : FED LOAN SERVICING Date Open : XXXX Account Name : FED LOAN SERVICING Date Open : XXXX Account Name : XXXX, XXXX Date Open : XXXX Account Name : XXXX XXXX- # Date Open : XXXX Account Name : XXXX XXXX XXXX Date Open : XXXX Account Name : XXXX XXXX XXXX Date Open : XXXX Account Name : XXXX XXXX XXXX Date Open : XXXX Account Name : XXXX XXXX, 1 Date Open : XXXX Account Name : XXXX XXXX XXXX Date Open : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2021-07-27
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: Herbert P. Sears Co., Inc. (CA)

I XXXX XXXX XXXX. Contacted HP Sears. 
On XX/XX/XXXX, XXXX to come to an agreement.No Agreement was made.Today XX/XX/XXXX XXXX XXXX XXXX I Call once again HP sears after a year.To make another agreement which I was on successful to make an agreement with them The agent that took care of my call was very unprofessional and rude.I explained to the agent that I was taking SSI.That if we can come in to an agreement of a payments every month. 
His answer was Because of the amount of $ XXXXI only can do {$350.00} One time payment I ask if we can do monthly payment he said he can not do that. I also mention if he was familiar with the Hyppa law his answer was yes. 
Im kind of concerned about this been in my credit report.I am willing to take action Responsibility.to get this resolved I believe there is accurate information in my account I will like to have this removed out of my credit report if there is in accurate information.
Consumer complaint received 2021-07-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I applied for forbearance at the beginning of the pandemic. I am behind on 16 payments which amounts to just over {$60000.00}. When we were approved for the forbearance, we were told by the lender that the delinquent amount during the forbearance period will be added to the balance of the loan. After submitting the loan modification application per the lender 's request, they are not providing me with any home retention program as they say I was not approved for any and the only options provided to me are pay balance in full, short sale or deed in lieu. 
I am not able to pay the balance in full at this time but I am able to resume making the regular monthly payment and would like to keep the house as I am a senior citizen and this is our primary residence. 
Your response and help is very much appreciated. Thank you
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (IL)

I made Payments On the loan on XXXX and XX/XX/XXXX and Wells Fargo reported it as late non payments which is false. XX/XX/XXXX Wells Fargo Sold/Paid off the loan when I was current on my Monthly payments ( Exhibit A ). Wells Fargo never informed me that the loan was sold/paid off but instead filed foreclosure on a home loan they no longer had possession of which is fraudulent. Im Disputing and requesting the Loan payments on my credit report from Wells Fargo to be removed from the dates XX/XX/XXXX to XX/XX/XXXX from my credit report. Wells Fargo dismissed the foreclosure case in XX/XX/XXXX when admitting an error regarding foreclosure and payment history. Then I was given a release of mortgage which was given to me regarding my home mortgage account with Wells Fargo. When the Release of Mortgage should have been giving to me back in XXXX not XXXX. This false information by Wells Fargo is adversely affecting my credit report. I also became aware of and informed that Well 's Fargo paid a settlement regarding this account on my behalf to my former Attorney. However my name was forged on documents, and settlement money was collected from Well 's Fargo on my behalf. My former Attorney asked me to sign one single document for one thing in the case, and my signature was attached to other future documents without my knowledge or consent. My former attorney never informed me of a money settlement with Well 's Fargo and kept all the settlement funds for himself. Despite me paying my former Attorney monthly payments to handle my case with Well 's Fargo and XXXX XXXX XXXX XXXX XXXXXXXX. My former attorney was playing a dual roll and Represented me as a defended in the case. While also representing Well 's Fargo as the Plaintiffs in the same XXXX County Illinois Chancery case XXXX -- XXXX. 

However Nothing was done in the XXXX XXXX XXXX XXXX XXXXXXXX XXXX case and he only worked on the Well 's Fargo case keeping all the settlement money from well 's Fargo which is fraud scam.
Consumer complaint received 2022-11-11
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and Equifax credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting account 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 item/accounts/information below. As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Consumer complaint received 2022-11-11
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. (NJ)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-07-27
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credence Resource Management, LLC (TX)

We had XXXX XXXX XXXX phone service at home for years, but it would stop working frequently. We notified XXXX XXXX XXXX about this problem on several occasions, but it would keep occurring and XXXX XXXX XXXX never fixed the issue. We ceased paying our XXXX XXXX XXXX bill, because we had no service, and now they have turned it over to a collection agency. We informed the collection agency, Credence Resource Management, to stop all communications and that we were disputing the charges. Credence Resource Management has ignored our request and continues to call my place of employment on a daily basis. They also refuse to identify who they are or the nature of their communication. Credence Resource Management, we believe, is in violation of federal and state ( Texas ) law when it comes to debt collection.
Consumer complaint received 2019-12-30
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (LA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to  the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I have called the 3 credit reporting agencies multiple times, XXXX, Equifax, XXXX  to please correct the personal information on my account. The have not corrected the inaccurate information they are reporting.

I have called and spoken to several representatives and supervisor and they have not yet corrected my personal information.

I called on XXXX, XXXX, XXXX, XXXX.
Consumer complaint received 2021-07-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I need help ... I disputed these accounts several time and not one since credit bureau is responding to my dispute request .... I want these negative items deleted immediately. 

XXXX XXXX XXXX XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX  XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX no knowledge of account. If unproven, unverified, or non-compliant, Demand deletion immediately. 
XXXX XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TEXAS XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-07-27
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Nelnet, Inc. (GA)

DEPTEDNELNET They are invading my rights to privacy. I do not owe a debt to a collection agency. They have sent my account to collections. ( Transferred my account without my permission or rights ). 
Dates : XXXX- c

urrent. 28 accounts that they have transferred to collections. Amounts are as follows : {$2000.00}, {$1200.00}, {$1100.00}, {$3500.00}, {$2700.00}, {$4000.00}, {$7900.00}, {$2300.00},
{$3300.00}, {$2700.00}, {$3500.00}, {$4500.00}, {$6000.00}, {$3500.00}, XXXX They are invading my rights to privacy. I do not owe a debt to a collection agency. They have sent my account to collections. ( Transferred my account without my permission or rights ). {$790.00}
Consumer complaint received 2021-07-27
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 never had account with XXXX XXXX XXXX they just started report a charge off account on all three of my credit reports which is hurting my score. I have disputed with all three bureaus. I have previous found other people accounts on my report. want the account deleted. I have attached two copies One from Experian reporting and one from XXXX
Consumer complaint received 2021-07-27
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: EQUIFAX, INC. (SC)

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Consumer complaint received 2024-02-20
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. (WI)

. 
Remove the following inquiries immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These are not my accounts. delete the inquiries. This is the 3rd time. Legal action will be taken.
Consumer complaint received 2021-07-27
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. (TX)

I have mailed letters and I have also made phone calls and they do not seem to want to abide by the Law. The FCRA states that legally any unverified or unauthorized items must be removed. 
XXXX  Shows XXXX XXXX entry XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - US SM BUS Admin XX/XX/XXXX ( I even reported fraud to them ) XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - Screening XXXX XX/XX/XXXX Transunion Shows XXXX  XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX which has reached its two expiration as well - XXXX XXXX  XXXX  Show XXXX XXXX XXXX XX/XX/XXXX and that has reached two year expiration as well. 
I respectfully ask that these entries be removed immediately from my credit report. 

I also ask that the following addresses are removed immediately XXXX XXXX XXXX XXXX Missouri XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Please remove the following employments XXXX XXXX XXXX XXXX  XXXX XXXX I thank you in advance for your prompt response to this situation
Consumer complaint received 2021-07-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I am not liable for this debt with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and I do not have a contract with PORTFOLIO RC plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$160.00} I demand this account to be deleted on my credit report.
Consumer complaint received 2022-05-27
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (VA)

I traded my car in and the financer did not process the payoff check which was sent to them on XXXX hence making my account delinquent. Subsequently they continued to not process that check for almost 60 more days. This negatively effected my credit and when I asked why didn't they process the payoff check they said it was short {$440.00} dollars. I payed that out of my own pocket but Bridgecrest XXXX still sent negative reports to my credit agencies. Finally they processed the payoff but it is still showing as a delinquent account. I disputed it to no avail but I think their process was improper, unfair and unjust! Can this be remedied by someone and my credit standing restored please! Thank you.