davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-14
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. (VA)

In according with the Fair Credit Reporting act XXXX Account # XXXX, has violated my Rights. 15 U.S.C section 602 A. Sates 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
Consumer complaint received 2023-06-28
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. (GA)

I submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.
Consumer complaint received 2022-10-04
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. (TX)

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 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. 
XXXX XXXX  or leases Total balance : {$22000.00} XXXX XXXX XXXX  LATE PAYMENT Balance {$22000.00} Balance updated XX/XX/XXXX XXXX closed account XXXX loans Total balance : {$30000.00} XXXX XXXX XXXX Balance {$30000.00} Balance updated XX/XX/XXXX XXXX closed accounts Personal loans Total balance : {$690.00} 2 closed accounts 1collection Total balance : {$250.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX 
Balance {$250.00} Balance updated XX/XX/XXXX Collections can stay on your credit report for up to 7 years from the delinquency date, but they typically affect your FICO Score less over time. 
8inquiries These lenders have accessed your credit file : XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Consumer complaint received 2020-01-02
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. (GA)

XXXX, XXXX XXXX and Experian are currently reporting incorrect information on my credit reort which is the direct result of fraudulent activity. I have advised them of this fact, submitted my ID Theft Affidavit and asked them to provide the source and evidence of the reporting. Not only have they failed to provide source date for the reporting but also continue to report the information in spite of no evidence for doing so.
Consumer complaint received 2020-01-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (NY)

I have been having an issue with my mortgage company freedom mortgage since XX/XX/XXXX. I filed for divorce in XXXX and at that time I was unable to pay some mortgage payments. I have tried to gain a modification through freedom mortgage and complied with all of their requests. As of now they have granted me a trial. Which I have been paying for the past six months they also told me in writing that I would be the successor of the loan. I am finding out that they no longer are willing to allow me to be the successor of the loan and want my ex-husband to still be responsible. I am willing to make payments in order to keep my home for myself and my XXXX small children I have been treated unfairly and have been fighting for my home since XXXX this has been a great struggle and I am finding that freedom mortgage is not willing to allow me to keep my home even through all of the efforts that I have made. I have fully complied with everything they requested ... they have given me false information they have lost a certified bank check that was made during this trial period and now they are taking back things that have been in writing. I am desperate for help!
Consumer complaint received 2023-01-20
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. (MS)

I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of 100 % correct. This has damaged me and held me back for some time. Im demanding the CFPB to enforce the deletion and correction of the following items : Hard Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiry : XXXX Hard Inquiry : XXXX XXXX
Consumer complaint received 2024-03-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurate, and it's causing me discomfort.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2022 I filed a CFPB complaint with XXXX XXXX, XXXX, XXXX and Experian about false and inaccurate information. XXXX XXXX is reporting false and misleading information because there is no loan given as the transaction was a retail installment sales contract but it is being reported as a loan. All of the companies listed above have been given over 30 days, 50 days to be EXACT, to make the correction and since they have not I am demanding that the XXXX XXXX XXXX  be removed from all of the consumer reporting agencies that they are reporting to. 

I have attached the article that the CFPB has published on what a retail installment sales contract and I quote " A retail installment sale, on the other hand, is a transaction between you and the dealer to purchase a vehicle where you agree to pay the dealer over time, paying both the value of the vehicle plus interest '' this statement is located on the CFPB articles that is attached. 

I have also upload the retail installment sale contract, which it clearly says at the header of the attachment, in which XXXXXXXX XXXX is claiming that it is a loan, which is proof that the information is false and inaccurate
Consumer complaint received 2020-01-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CONTRACT CALLERS INC (NY)

A collection company by the name of Contract Callers , Inc. just added a {$57.00} debt to my credit files recently which falsely dropped my fico score by 24 points. I do not believe the debt is correct, and the account in question was closed in XXXX as the house was sold. I have not owned or rented an property that I had to have any type of water account in my name since then. I also never received any notice of this debt prior to now ( it showing up on my reports ) ... no letter, no phone calls, no anything. If i had received anything, I would have been able to properly deal with it. One issue may be that an address listed on my credit file was incorrect, which I have notified all three major credit bureaus about by letter recently. It is also illegal for this to appear on my credit files due to the age of this debt. The date of the 1st late payment on this XXXX XXXX account was well over ten years ago. Contract callers is illegally stating a newer date on my credit files falsely in order to illegally report the debt on my files. I have written to all credit bureaus and to this debt collector as well in an attempt to solve the matter as well. 

Main issue is that Contract Callers put this very old debt on my credit files with a new date opened of XX/XX/XXXX. That is illegal as the date of 1st del was over ten yrs ago.
Consumer complaint received 2023-11-27
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. (MI)

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 Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2020-06-10
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. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MA)

I had to claim XXXX  XXXX just so Wells Fargo could not take my home. I am still in XXXX XXXX. They did modify me but my payment did not change. It was just a way for them to charge me all the late fees. I never got any settlement.
Consumer complaint received 2019-12-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

On XX/XX/2019 I received an aggressive and overbearing phone call from a proceedings company representing my county. They gave me another phone number to call and case number. When I called the number the woman said I needed to verify personal information or she wouldnt be able to tell me why I was being sued. So I verified the information then she proceeds to tell me that I was being sued by ACE Cash Express for writing hot checks because I defaulted in a loan. That was far from the truth of course, she then threatened that I will have to pay court and legal fees totaling over {$2000.00} for a loan that was {$500.00}. She then asks how would I like to make my payment today to stop the court proceedings. I had to tell her that I had no money to pay her. She then says that my case will be discharged from their office within 2 hours-2 days and once that happens, there isnt anything else I could do about it. I was not writing hot checks! That is a lie and they know it! The aggressive and boastful manner these people talked to me in, was almost like a scare tactic. Then not only that, why what until the holidays to try to collect on something?
Consumer complaint received 2023-01-20
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. (FL)

Someone opened an IKEA credit card in my name and charged, in XXXX, in excess of {$7600.00}. I never applied for an IKEA credit card, but did receive a card a few days prior to receiving the statement from IKEA for the fraudulent charges. 

I live in XXXX  and Ive never even been to the state of XXXX and on the date the charges were made I was in XXXX, XXXX  purchasing a home. 

I contacted IKEA and they assured me they would take care of the matter and have the card canceled and notify all three credit reporting agencies. As of this date that has not occurred. Then I received a letter from Comenity Bank, the bank issuing the card on behalf of IKEA, requesting that I lift the credit freeze so that they could continue with my application- WHAT? - they already issued the card which allowed someone to make fraudulent charges to me in the total amount of {$7600.00}.
Consumer complaint received 2023-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

FRAUDULENT ACCOUNTS HAVE BEEN LINKED TO MY FILE THAT ARE NOT MINE THAT I HAVE NO KNOWLEDGE OF. I HAVE NEVER RECEIVED ANY GOODS OR SERVICES FOR THESE FRAUDULENT ACCOUNTS OR INQUIRIES.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX I sent a certified letter to credit bureau requesting that all information besides my name ( XXXX XXXX XXXX ), current address ( XXXX XXXX XXXX. XXXX XXXX, XXXX, ga. XXXX ), current employer ( XXXX XXXX ) and phone number ( XXXX XXXX XXXX ) be updated. I requested that ALL other personal information be removed, as I never lived at those address, the names are not my birth names. I included with this letter a copy of my drivers license with my current address & date of birth on it, I also included my social security card and a utility bill. As of today no info has been removed. This violates my rights as this is inaccurate information being reported on my credit report.
Consumer complaint received 2022-10-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CO)

I have been getting harrased by Comenity bank because they alleged I havent made my payments. They have charged me multiple late fees and have been charging me fees for not paying my credit card. Which is absolutely false They have not been posting my payments for the past XXXX payments I have made of $ XXXX, $ XXXX, $ XXXX, $ XXXX they have not applied those payments at all to my credit card and due to that I have been charged late fees and keep getting call to make a payment. I called and they said they can see my payments and will make a note to fix it however they have not fix it and its affecting me because I have to keep making payments and I keep getting call to pay when I already did. I have called multiple times and ask to speak to a supervisor they do not transfer me, I'm very concern because this can affect my XXXX XXXX I have statements from my bank that show that those amounts have been withdrawal by them. I'm really scared I really need help its really stressful to go through this when I'm making my payment but I keep getting call that I dont and that there is multiple late fees.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Alliant Capital Management LLC (FL)

Hello the company XXXX, didn't take appropriate action on worker that opened up XXXX in my name. I did not agree to buying the phone and left the store with no purchase. I did not pay nor sign for anything and reported this to the manager which no problem has been solved. The item that was fraudulent opened in my name was a XXXX XXXX XXXX I believe valued at around {$1200.00}
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

I previously had two accounts with Wells Fargo. Two different times between the year XXXX to around XXXX. I closed my account with them and choose another bank, because they could not explain to me why I was being charged numerous overdraft fees. This matter was discussed with them many times with nothing getting resolved. I ultimately closed the account and still paid them what they said was owed. This matter still has me upset years later, and I ask that this matter be investigated.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (MD)

Truist//BBT Claim Number XXXX XXXX XXXX XXXX XXXX XXXX, I stayed at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX herald On the evening of the XXXX I was drugged and consequently robbed of my wallet, phone and several belongings. My credit cards were used including the Truist card. When I came to my senses and reported the incident to the bank I was informed I reported this too late and that I was careless with my account PIN. I believe the people who robbed me were able to get access to my phone and access my accounts using my finger print as I was blacked out. This was reported to the XXXX XXXX when they broke into my room, after it was reported I was missing. I have contacted the bank several times about this matter and I am out of options at this point.
Consumer complaint received 2023-06-28
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. (FL)

XXXXXXXX XXXX sold my mortgage to XXXX on XX/XX/XXXXXXXX XXXX XXXX, I was never sent a letter to inform me of this change. I had my bank account set up to auto draft my payment every month. I had been in my house over 14 years and have never missed a payment. When my bank sent the payment to XXXX  after they had sold the account XXXX sent the payment to XXXX. Then the next month when XXXX received the payment they sent it back to my bank. I was not aware of the change until my bank contacted me and told me the payment had been returned. I contacted XXXX  who told me they had sold the account. Then I contacted XXXX at which time the payment was already late. XXXX told me that if I provided them with proof that my bank had sent the payment to XXXXl on time and a good faith letter from XXXX admitting it was their mistake they would amend the credit report. I sent them both of those things and they refuse to fix the missed payment report. I have USPS reporting that sends me a email of all my mail, I never received a notice that my mortgage company had sold my mortgage and that I needed to take action.
Consumer complaint received 2022-10-05
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)

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. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX  XXXX Bankruptcy Reference # XXXX Asset Amount : {$0.00}
Consumer complaint received 2023-01-20
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. (TN)

The following accounts do not belong to me. My personal information was found on the dark web, such as my SSN, address, dob, and name. This is identity theft, Also, I notice my information was exposed in XXXX and XXXX data breaches. I demand this information be blocked from my credit report for any future reporting. This is a violation of my privacy, and defamation of character I'm in the process of purchasing a home. I demand immediate deletion. There are also tons of inquiries, and creditors I have never heard of or ever done business with I demand immediate deletion.
Consumer complaint received 2023-01-20
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. (TN)

The following accounts do not belong to me. My personal information was found on the dark web, such as my SSN, address, dob, and name. This is identity theft, Also, I notice my information was exposed in Equifax and XXXX data breaches. I demand this information be blocked from my credit report for any future reporting. This is a violation of my privacy, and defamation of character I'm in the process of purchasing a home. I demand immediate deletion. There are also tons of inquiries, and creditors I have never heard of or ever done business with I demand immediate deletion.