davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Kubota North America Corporation (TX)

On XX/XX/XXXX, I was sold a XXXX XXXX XXXXXXXX by XXXX XXXX in XXXX Texas for XXXX by XXXX and XXXX. I was XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Everyone in the dealership could smell and see that I was XXXX XXXX XXXX, they have all since admitted it to me, including the owner XXXX. They even tried to sell me another tractor then, however I was too XXXX to go through with it. My XXXX  date is XX/XX/XXXX. I do not recall much of the ordeal. They have an email registered to that account that I do not recognize. I dont think I signed the agreement, I dont remember. Within the last 2 weeks, I contacted the owner XXXX and although he agreed that I was XXXX XXXX XXXX, he did not grant me relief. I then contacted kubota credit corporation. Kubota credit then began a series of misleads. XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX made consistently misleading statements about the email of record as well as their chain of command. Each of them sent me to each other, claiming to be the supervisor. I wasnt told if I received any veteran discounts or agriculture exemptions. To this day, Ive not been given a copy of the contract, that I can remember.
Consumer complaint received 2018-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (DE)

XX/XX/2018 received the annual Escrow Account Disclosure Statement. 

The information provided is deceptive and should not be provided to a customer in this means. Company has contacted me twice and all they say is they are required top provide this. 

At the top of the letter denotes I'm short on my escrow by {$890.00}. This about gave me a heart attack. At the bottom of the letter it denotes my payment is going down XXXX XXXX. How is that possible. This letter is deceptive and the should fix this so that the information is correct. 

XXXX XXXX contacted me on XX/XX/18 via email. Didn't resolve the issue. 
Another person contacted me XX/XX/18 via phone. Provide legalize but didn't resolve the issue that I'm short a log of money and your payment is going down. I informed this person I know why I receive the letter. I was trying to get them to see this from a Customer 's perspective and they feel they have done no wrong.
Consumer complaint received 2020-06-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

XXXX - Fail to Respond letter XXXX XXXX 2020 XXXX XXXX XXXX XXXX XXXX XXXX, HE XXXX RE : Account of XXXX XXXX Collection amount claimed I owe {$1700.00} Account number XXXX Dear XXXX, This letter is to inform you that the debt collector, Portfolio Recovery Associates has failed to respond in the 30 day timeframe to my Validation letter. The company legally must now cease ALL collection efforts, and remove the negative items placed on my credit report. It's a violation of the collection practices act for a debt collector to fail to respond to my verification letter. 
Under the Fair Debt Collection Practices Act, Portfolio Recovery Associates, is required to respond to my request for validation within 30 days of receipt of my communication. It has been more than 30 days, and I have yet to receive a response.

Under both State and Federal consumer law, I have the right to have my debt validated, and Portfolio Recovery Associates is obligated to respond within the statutory time limit. 

Failure to respond to my requests for validation is a violation of the Fair Credit Reporting Act. I have included with this letter, a copy of the certified mailed receipt proving that Portfolio Recovery Associates received my Validation letter.

This letter is to also inform you that the Texas Statute of Limitations ( 4 years ) on this debt has expired. This letter is my legal right of assertion that the debt is no longer a collectable debt. You must hereby cease and desist all collection actions and activities on this account against me, immediately. 

Please be aware, Failure to abide by the FDCPA could result in legal action against you and fines assessed by the U.S. Federal Trade Commission. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I had my name legally changed on XX/XX/XXXX, and updated eith the Social Security XXXX XX/XX/XXXX, and officially with XXXX XXXX ( my student loan agency ) on XX/XX/XXXX. They have submitted my updated name on the reports every end of month since the update- as I have been told today, XX/XX/XXXX, around XXXX XXXX  XXXX. My ID was changed as of XX/XX/XXXX. I have contacted the company a few times to try to get it processed, yet nothing has come of it, and the representatives are never able to help.
Consumer complaint received 2020-06-15
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 (NY)

The payments on the student loan was deferred from Wells Fargo Bank in XX/XX/2020 due to the current pandemic COVID19. Wells Fargo Bank still reported the account as 30 day delinquent, 60 day delinquent and 90 day delinquent for no payments in XXXX, XXXX, and XX/XX/2020 which was incorrect. There was no communications either through written mail or phone from Wells Fargo Bank from XX/XX/2020 through XX/XX/2020 that a payment was needed. I got a mail letter on XX/XX/2020 stating it was past due and I immediately made the account active on XX/XX/2020 with a payment of {$600.00} and another payment of {$200.00} on XX/XX/2020. I contacted Wells Fargo Bank stating this was incorrect as the loan was deferred due to COVID19. They need to correct the credit reporting of the delinquents reported which was incorrect and as the loan should have been deferred. I submitted a dispute and the dispute letter was sent saying it would stand as reported and it would not be corrected. I deferred the payments of the student loan and Wells Fargo Bank still reported to all the Credit Burroughs for 30 day, 60 day and 90 day as late/delinquent.
Consumer complaint received 2020-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

I had a rental unit for an employee that I was paying for, inclusive of the electric and water. On XX/XX/2019 our lease was up and we moved. The XXXX XXXX XXXX XXXX was canceled and XXXX  was installed, the water was canceled and my employee started his own account for water, and when we called in to XXXX XXXX to transfer the service, they informed us that they didn't service the area and referred us to XXXX XXXX. Eight months later Helvey & Associates , Inc. hit my credit reports. I was not contacted at all from XXXX XXXX for the 8 months. I am assuming they failed to disconnect the account and are attempting to charge me for the next tenant that moved in.
Consumer complaint received 2023-05-25
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. (MD)

I'm " XXXX XXXX XXXX, '' and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. The following accounts needs to be corrected immediately : DEPTEDXXXX  XXXX Balance Owed : {$4100.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$7400.00}.
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have tried to get this collection removed because it should not report on my reports. 

Since it is reporting incorrectly and breaking fair credit protection laws. 

XXXX- Reporting XXXX, XXXX Transunion XXXX Reporting XX/XX/XXXX XXXX  - XX/XX/XXXX But they keep hassling me.
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Open Dealer Exchange, LLC (CA)

On XXXX I tried to finance an XXXX at XXXX XXXX XXXX and the advisor who helped me told me that there was no bank that would help me finance the XXXX because of a debt collection I had of {$590.00} of a medical bill but I had investigated the debt that I supposedly owed through the XXXX XXXX and XXXX XXXX and told me my debts were paid.
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear, Im XXXX years old and trying to refinance my home but there are two disputes on my credit report ( XXXX  ) that never go away and XXXX XXXX handling of disputed tradelines ( XXXX ) I dont have an account with them and B of A Can not find either but the last accounts number XXXX and XXXX And can caused financial injuries if I can not refi. 
Please see attachment
Consumer complaint received 2022-08-22
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (KS)

On XX/XX/2022, I came to XXXX to browse only. They pressured us into checking to see if we could possibly get a pet through financing. An associate named XXXX said that they had financing options that had nothing to do with credit. She said there would be no hard inquiry and no strings attached. She told me that I was approved for financing if I wanted to take the dog home, but I refused the offer. I received an email today, XX/XX/2022, that I had a new credit card with Comenity Capital for {$11000.00} ( For XXXX  ). I never signed a paper for XXXX to inquire credit wise, nevertheless sign for a credit card. I had the card closed immediately, since I didnt want it and will never use it. It is not yet showing up on my credit report, but I would like neither the hard inquiry or the closed account be on the credit report since it was unauthorized. XXXX has no paperwork to support that this was not a fraudulent opening of a credit card on their part.
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. (GA)

I am writing to file a formal complaint regarding fraudulent items that have been erroneously included in my credit report. Despite repeated attempts to rectify this issue, the fraudulent entries persist, tarnishing my creditworthiness and financial standing. 

I have submitted multiple disputes and provided comprehensive documentation and evidence supporting my claims of fraud. However, to my dismay, these efforts have not resulted in the removal of the fraudulent items from my credit report. 

It is imperative that immediate action is taken to investigate and remove these fraudulent items from my credit report. Their continued presence not only damages my credit score but also undermines my financial integrity. 

I request that you expedite the resolution of this matter and provide regular updates on the progress of the investigation. Transparent communication throughout this process is essential to restoring my confidence in your organization and ensuring a satisfactory resolution. 

Failure to address this complaint promptly and satisfactorily will leave me with no choice but to escalate this matter further, including seeking legal recourse and involving regulatory authorities. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2022-04-14
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Consumer complaint received 2020-04-13
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: Experian Information Solutions Inc. (DC)

Dear XXXX, Experian, XXXX, I am writing to dispute the following information that appears on my consumer report : Explanation of items being disputed : My report includes accounts with late payments, missed payments, and serious delinquency that are not mine. 
The referenced accounts have been previously disputed as fraudulent accounts opened by someone that stole my identity. 
Im the victim of identity theft and I dont recognize these the accounts on my report. I have included a copy of the FTC identity theft affidavit describing the identity theft. 
you should not report it under your credit reporting agencies. If you have already reported it, please delete them from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

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 2023-01-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX 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 my file at XXXX is 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 Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly REPAIR all information which can not be verified. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items is being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 
BANKAMERICA XXXX Date Opened : XX/XX/2006 Balance : {$0.00}.
Consumer complaint received 2020-08-05
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. (NC)

I recently checked my credit because I want to buy a house and saw inaccuracies in my credit report with personal information. There are 2 names and 5 addresses that are inaccurate. On XX/XX/20, I mailed a letter to Equifax asking to please make these changes. They did not respond and also did not make any changes.
Consumer complaint received 2022-09-16
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. (CT)

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, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX-Opened XX/XX/XXXX {$200.00} My report for XXXX and TransUnion is show 2 different reporting. XXXX is showing my account was late in some months and TransUnion is showing never late. I reported it and nothing was change. It took them more then 30 days and still disputing. Which one is right? How can I have XXXXwo different reporting when it's the same account. 

XXXX XXXX- opened XX/XX/XXXX {$1700.00} My XXXX is showing the last payment on XX/XX/XXXX and TransUnion is showing XX/XX/XXXX. Then TransUnion is showing the account was never late, but XXXX is showing it was late. I told them this account is fraud because I had to close my bank account because of this fraud account.
Consumer complaint received 2023-05-25
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX