davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-21
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: Experian Information Solutions Inc. (SC)

I reached out these companies thur via the credit Bureau and I haven't heard any response, feel I've been ignored and degraded im a women of proud and I demand this incorrect, inaccurate, and unverifiable Information be deleted from my report. 60 Days later no response is insane why take of someone who is trying so hard as a single mother.
Consumer complaint received 2023-01-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I was contacted by Wells Fargo XX/XX/ asking if I wanted to reduce my mortgage rate. They stated there would be no fees or changes they wanted to reward me for continuing to pay my mortgage ontime throught the XXXX  housing crisis. We agreed and they lowered my rate however they restarted my mortgage for XXXX yrs. This was not disclosed and I never would have restarted a mortgage that far into the loan. I lost all the equity since I had to pay the interest all over again.
Consumer complaint received 2023-01-21
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. (WA)

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. 

Account name : XXXX : Account # : XXXX, All groups XXXX Account name : XXXX Account # 's : XXXX ) XXXX XXXX ) XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX, Original Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : 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 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 2023-11-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (MD)

Ive been disputing this collection from my credit report for months now because there was so much missing information in the report. Im fully under the impression that Midland is incorrect and the collections account has caused severe issues in my financial life. Upon looking over my documents, Im realizing that the balance theyre attempting to collect on is not even correct. The balance on all 3 credit bureaus is listed as XXXX when the balance for the account in question was XXXX & Im sure I never made any payment to the original creditor nor to Midland. Each time Ive disputed the account with a bureau, midland adds more information to the report or adjusts existing information, but it has not been deleted. This has all occurred after being hounded by them with calls last summer repeatedly, most likely because the alleged debt was falling out of the statute of limitations in my state of Maryland. They would call at odd times from different numbers daily so it was nearly impossible to find peace at that time. Currently, the amount is incorrect, on XXXX theyve listed the account as Open Account while listed as Debt Buyer on XXXX, theyre now reporting late payments on XXXX beginning 6 months ago which is a completely arbitrary and inaccurate start time for non payment as Ive never paid a cent to Midland . On XXXX, they listed the original creditor as Midland Credit when this is impossible because to my knowledge they dont even offer credit. I never received any letter from them prior to the calls and credit bureau reports & Im not sure what address they have on file. Im not sure of the time that Midland purchased the credit but Im almost positive it is prior to the XX/XX/2022 date that theyve listed. At times Im afraid they will attempt to sue me and I will be hit with a default judgement because I am not receiving any correspondence. All the information is in shambles and I want it gone. Not altered and doctored as they realize the information theyre reporting is inaccurate & at this point I am prepared to sue.
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. (TX)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-12-28
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (FL)

Affirm is a form of valid payment on XXXX. On XX/XX/XXXX, I purchased XXXX speakers using Affirm/XXXX  on the XXXX website. My sister also made a purchase on the site but using XXXX. It has now been revealed that the site is a scam site in XXXX using the unapproved licensed XXXX name and images of legitimate XXXX products on a XXXX domain owned site. I submitted a dispute and I've provided Affirm/XXXX  all documents, tracking showing I received nothing from this vendor, and comments from others saying none of them have received their items. 

The merchant is no longer responding to anyones comments and is using a fake address and fake phone number. Affirm has now said while the case is 'in dispute ' I will not be able to make payments and 'in dispute ' will show on XXXX and thus other credit sites by extension impacting my credit because they continue to " investigate '' the scam site instead of immediately resolving it by looking at their own comments and reports from others. The site has since been taken down from XXXX as a scam site after mass reporting you can't even buy from this scam vendor via Affirm/XXXX  anymore. I can no longer link more documents as proof to Affirm due to a XXXX limit. I would like Affirm/XXXX  to escalate and finally resolve this in a timely matter by removing this loan from my Affirm account and making sure to delete this loan from XXXX and other XXXX credit agencies before it can be reported or listed as " in dispute '' to XXXX or other credit agencies. XXXX immediately refunded my sister with their scam protection. I previously used Affirm for large purchases but I will never use them again. 

Affirm does not make it clear how long and difficult the dispute process is even when the vendor is a scam site. They offer NO SCAM protection at all for consumers. And can be listed on any site on XXXX as valid form of payment even if it is a scam. Affirm also has loan terms that are NOT friendly to consumers such as mandatory arbitration clauses with opt-out that requires it be mailed instead of electronically submitted within 30 days of the loan.
Consumer complaint received 2023-02-03
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. (GA)

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. 

Account name : 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 Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-03
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)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello I just received my investigation report back from Trans Union, File # XXXX issued on XX/XX/2023. 

I informed Trans Union that my name and ONLY name is : XXXX XXXX XXXX as proved on my Social Security Card and Drivers License attached. 

It seems Trans Union left WRONG names and Incorrect Names and Names that are not me on my credit report such as : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX all of which are not me whatsoever. Who are these people? And why are they on my credit report? and why did Trans Union not delete these names when I asked the to correct all these incorrect names? 

Please Delete ALL the incorrect names, I should have only 1 Name which is my own. 

Correct Information : Name : XXXX XXXX XXXX SS : XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FL XXXX Employment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please have the Wrong Information Deleted and Corrected to the above, the Wrong information is hurting myself and family from moving forward to a home. 

Thank You XXXX XXXX XXXX
Consumer complaint received 2019-12-06
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. (NY)

I have been disputing this Santander Account for over half a year, I would first like to say I never knew that it was labeled a Redeemed reposession on my experian because on my other credit reports it originally showed as current. I wrote them a letter asking for them to mail me all the information about the accounts and the Forgot Various information that I requested including the buyers guide or my notice to redeem. This Failure Violate U.C.C. 3-616 The Account Type on each Account is erroneous stating that it is an auto loan when it really is a Retail installment Contract and I marked it in the Attached Documentation they sent to me as " Proof of Contract.

They never stated who the original creditor was the Contract shows multiple names but never mentions santander it even shows " XXXX XXXX XXXX XXXX " How many " Loans " did i recieve for this contract because it only shows 1 loan but multiple Sellers or creditors The Terms on the Contract is Erroneous The numbers Aren't even divisible by 6 and thats the basis of auto loan terms in the united states. To go Further Each Bureau Reports the Terms incorrectly.

The Account historical calendar is All over the place inaccurate unverifiable and needs to be deleted along with the Account
Consumer complaint received 2023-02-03
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. (PA)

I have contacted Equifax several times informing them that I have been a XXXX XXXX XXXX XXXX. They keep illegally verifying the account using there own internal methods. I have not verified any of these accounts, as they are fraudulent as my identity has been stolen. Per FCRA 605B ( 15USC 1681c-2 ) any information resulting from Identity theft must be blocked from reporting in 4 days no later. Equifax is in violation as my last first notice went out on XX/XX/22. I have attached documentaion to verify myself as they keep using this as a stall tactic. I have also attached a copy of the federal Code, the Identity theft reports and have written a letter to them. Please block and delete accountsd from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX from public record. Please stop breaking the law. As per Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. Block and delete the fraudulent accounts.
Consumer complaint received 2023-02-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. Best regards, I remain
Consumer complaint received 2023-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: WELLS FARGO & COMPANY (FL)

I was being charged overdraft fee on top of overdraft fee when I didn't even have one night from my account being in balance to the next day below. They gave me less than 24 hours and proceeded to charge me convince fees which I would like all back.
Consumer complaint received 2023-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (SC)

JPMCB has checked my credit without my authorization or my applying for a card twice in the last three months. When contacted they told me that they would look into it as possible identity theft and would repair the negative impact these multiple checks had on my credit rating. Nothing was ever repaired and my credit rating has now dropped XXXX points in 14 days. I have two credit cards, neither with JPMCB, and both with no carryover balances. No outstanding loans other than a mortgage. JPMCB should not be able to check credit without written consent. They havent had mine yet they continue to do it.
Consumer complaint received 2023-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In XX/XX/XXXX I wrote Transunion along with the other major credit bureaus to dispute XXXX hard inquires made by someone other than myself on my credit report. XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. I wrote a letter, disputed online and by phone to no avail. Transunion claims a investigation would take place and I would be contacted after a determination was made. I made a follow up call today XXXX. XXXX XXXX as I have not be contacted and no change to the inquiry status has been made. I was directed by Transunion to contact the FTC for help. As you know credit ratings are time sensative and could result in higher interest rates or even denials. Please notify Transunion I have contacted your service for help with this matter. Thank you.
Consumer complaint received 2023-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2021-09-30
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (CA)

We are going out of Forbearance beginning XXXX. I called Flagstar at the beginning of XXXX and asked for a modification. I told Flagstar we could resume payments, but not if the payment wasn't lower than our current amount. I called on XX/XX/21 to follow up because I hadn't heard anything on the modification. They said documents were sent out XX/XX/21 on the approval. We did not receive any documentation and didn't know of any new payment. When I called on XXXX they said we were approved for a payment that was more than what our previous payment was. I asked about the VA Covid Refund Modification and if we were considered for it. They couldn't give me an answer about what the modification consisted of and kept passing me off to another person. I stayed on hold for 30 minutes and no one came back to help me. Before they passed me off to someone else, they told me I needed to go through loss mitigation since we couldnt pay the amount of the new payment. Through loss mitigation, all our expenses and income etc. would be evaluated, which I do not feel should happen because of the VA Covid Refund Modification that is available, and lenders are to apply this program. 
I called back on XX/XX/21 and spent an hour on the phone and they told me the amount in arrears was added to the loan, the interest rate stayed the same, and it wasnt extended in the number of years. There was no modification, only adding what was past due to the loan amount, which increased the monthly payment. This is not a helpful solution, especially since I specifically told them we had to have a lower payment. This option sets us up for foreclosure. Flagstar continued to say it couldnt be appealed since we didnt respond. We didnt respond because we didnt receive any paperwork. The first knowledge of a higher payment was on XX/XX/21 when I called to check on the status like they instructed me to do if I hadnt heard from them. 
After being sent to another person again and waiting on the phone for another 20 minutes for someone to help me, I was told the underwriter always looks at all programs available. This is not a true statement. The VA Covid Refund Modification was not taken into consideration on our modification. If it had, the payment would have decreased based on how the program works. This is a disservice to a veteran and family with no control over the situation due to the pandemic. I was then told if I complete the documents through loss mitigation, it will open up all options for modification. All options should have been considered in the first place. I shouldnt have to provide any paperwork because the VA Refund Modification does not require that evaluation, its approved automatically. 
Our loan should be modified immediately using the VA Covid Refund Modification sent out XX/XX/21 from the VA Benefits Administration in Circular XXXX resulting in a lower payment. If our payment is not lowered, we will be forced to foreclose on our house as a result of Flagstar not being willing to help in any way possible.
Consumer complaint received 2023-04-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency (TX)

Grant Mercantile Agency , Inc. 
I am writing this letter to inform you that I, ( XXXX XXXX ), am not responsible for the outstanding bill for the ambulance services that were provided to me on XX/XX/2022. As you may be aware, XXXX XXXX XXXX XXXX XXXX XXXX XXXX on that day and suffered severe injuries, which required immediate medical attention. The accident was caused due to the negligence of the other driver, and I hold them responsible for the incident. 
As a result of the accident, I had to be rushed to the XXXX in an XXXX, and the XXXX XXXX  were necessary to ensure my timely and safe XXXX XXXX XXXX XXXX. However, I want to clarify that I am not in a position to bear the cost of these services since I was not at fault for the accident.
Consumer complaint received 2019-12-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (AE)

Ive tried calling fed loan servicing 4 times to update my payment and login information because my account is locked out and the company either does not answer or when I get ahold of the company they tell me they can not update my account, Ive also sent them my military identification card and drivers licenses to prove that it is actually me and I have a heard nothing. This is affecting my crediting tremendously and I need to get this problem solved immediately. Thank you.