davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

In XX/XX/2024 and also XX/XX/2024 I tried to contact EQUIFAX and also access my EQUIFAX account information to resolve two accounts on my credit report that are incorrect. 
Account beginning with XXXX balance {$3100.00} Account beginning with XXXX balance {$1100.00} These are 2 different credit card accounts that I have never signed a contract for. 
These should not be on my account if they are not mines.
Consumer complaint received 2021-10-27
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. (VA)

Experian is reporting an excessive amount of inaccurate information about me including an XXXX loan account number XXXX on my report in the amount of {$3000.00}. The term of the loan was for 12 months. 13 on time payments were reported by Experian followed by late payments and a write off. How is this possible? The loan was paid off early. Nothing was done to correct the conflicting payment history. When I called I was told it was my job fix their reports. Experian stated they received no evidence from empower. It sounds like they just took their word for it. Experian also stated the only type of fraud they recognize is when someone steals your identity. No other types of fraud are applicable to them.
Consumer complaint received 2021-10-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: LDF Holdings, LLC (IL)

I have been receiving constant emails from XXXX first saying I was approved for a loan and now saying I owe them money and in collections. I have never applied for a loan with them. I have emailed and called. When I call they ask for my SSN to " help '' me which I refuse to give. This is not showing up on my credit report so I don't think anyone took the loan out in my name, however, I need assistance in getting them to stop contacting me. 

I have attached examples of emails I have received. I have many more.
Consumer complaint received 2021-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off XXXX XXXX XXXX Opened XX/XX/2017 ) and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2021-10-27
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: Experian Information Solutions Inc. (NY)

The dealership ran my credit report without my permission. I visited a dealership but I never gave the salesman my social security number and I told him that I will not give any permission until preliminary number were worked out. However, I found out that more than 20 companies ran my credit report without my authorization. My rights has been violated and now my credit score decrease because of that negligence. 

Once I received a copy of my credit report, I immediately report the problem with the credit bureaus but as of today, I haven't received a satisfactory respond from them or the company.
Consumer complaint received 2021-10-27
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: EQUIFAX, INC. (NY)

The dealership ran my credit report without my permission. I visited a dealership but I never gave the salesman my social security number and I told him that I will not give any permission until preliminary number were worked out. However, I found out that more than 20 companies ran my credit report without my authorization. My rights has been violated and now my credit score decrease because of that negligence. 

Once I received a copy of my credit report, I immediately report the problem with the credit bureaus but as of today, I haven't received a satisfactory respond from them or the company.
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which is the term credit card means any card, plate, coupon, book or other credits device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction. 

I, XXXX XXXX, never granted XXXX, XXXX, or XXXX written authorization or permission to furnish harmful and inaccurate information on my credit report.
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2020-12-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (MN)

Cpi was placed on my loan in 2006 and it raised my payment making it unaffordable. 
Wells Fargo Repossessed my auto because of nonpayment due to increased premium which I did not need I had full coverage. I am out alot more than the XXXX they refunded so far and there refusing outside mitigation. I want outside mitigation.
Consumer complaint received 2020-12-30
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

i have money in the bofa edd account that im unable to get. initaily i was asked to verify my identity which i have done 3 times and still im left with the same problem. its been such a headache i would like for them just to mail me a cashier check if they cant clear my account. its been about two months since this problem began. im in very bad health due to XXXX  XXXX and limited in my mobility.
Consumer complaint received 2021-10-27
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: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this charge. I ask that the items be deleted to correct my credit profile. I reported the theft to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Theft Affidavit. Please delete these items as soon as possible.
Consumer complaint received 2021-10-26
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: CITIBANK, N.A. (MO)

I have two recent inquires one from XX/XX/2021 and one from XX/XX/2021 from a place called CBNA. This was not done nor authorized by me. When I XXXX  this place, its states this place is in New York, I'm in XXXX XXXX, there's nothing this company can do for me. Also, when I called XXXX when I noticed the first inquiry they said this was a credit card inquiry. I have a bank as well as a bank card, if I wanted a credit card I would just go through my bank, I wouldn't even go through the trouble of going somewhere else, let alone applying twice within 2 weeks of the first time. That's just nonsense. A few years ago I filed a police report for identity thief and if needed I can do it again for this. I have been working really hard on my credit and the last thing I need is false / fraudulent information on my report. I would've contacted CBNA but honestly I don't even know where to start, or what to say. What do you say to a company you've never spoke too? However, I will do what needs to be done to get this removed.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

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 XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct :
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

Experian Fraud Statment : I am a victim of identity and I have some fraudulent items on my credit report that dont belong to me. I dont recognize them, nor did I authorize them. I ask Experian to Follow the fraud guidelines and delete and block the following information on my credit report : XXXX and XXXX XXXX XXXX and they have failed to do so.
Consumer complaint received 2021-10-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (ME)

On Monday XX/XX/XXXX, I emailed per their guidelines a one time {$1200.00} abatement statement from our tax department. Our taxes annually for the XXXX XXXX year were approximately {$10000.00} prior to this abatement. Flagstar stated that if they had questions or needed follow up information they would reach out. We heard Nothing. 


On XX/XX/XXXX we received a new escrow analysis that they had instead LOWERED our entire taxes to {$2100.00}, or the tax abatement x 2. This significantly affected our payment as you can imagine. And if their employee would have just actually read the statement it would have been completed correctly.

Since that day I have no less than called 10 times to have this situation corrected and as of today XX/XX/XXXX I have been called " irate '' in their notes as well as likely other things and the situation remains the same. Most recently I have been told the new escrow statement has been issued but won't show up online for days and they're still unsure how this will effect the payment. Additionally, they issued a refund of an obvious overage from the XX/XX/XXXX analysis and my XXXX payment is coming due which is likely creating a clear under value in the account. 

They have been nothing but misunderstanding of the entire situation. They have admitted to not following protocol SEVERAL times. They stated that they always check with the county ( in our case city ) to confirm the tax amount before abatements are processed. But, if that was true, then how did ~ {$8000.00} in taxes go missing. They have blamed this entire situation on their XXXX XXXX, however, since they are the servicer of the mortgage it truly falls on them. As a industry professional I was understanding of this for the first couple weeks, but we are now a month in and we still have no resolution and no help from Flagstar.
Consumer complaint received 2021-10-26
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: Experian Information Solutions Inc. (MI)

Back in 2019 my personal stolen with my belongings my job is license and Social Security card Who has been trying to make and apply for credit under my name now I have over 15 inquiries I am a victim of identity fraud and I have been trying to get this issue resolved for over a year
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I did not consent to, authorize, nor benefit from any of the following inquiries or accounts. This is a violation of 15 USC 1681b ( a ) ( 4 ) right to privacy and 15USC 1681b ( f ) reporting inquires without my authorization or permissible purpose. I would not be going through an FTC report if this was not an error. Please block and remove these following items immediately : XXXX XXXX - {$1000.00} - XX/XX/XXXX, XXXX XXXX  XXXX, XXXX - XX/XX/XXXX, XXXX  - XX/XX/XXXX
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXDate of Inquiry XX/XX/XXXX XXXX/XXXX-Date of Inquiry XX/XX/XXXX XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXX  XXXX  XXXX XXXXDate of Inquiry XXXX XXXX XXXX XXXX XXXXDate of Inquiry XXXX XXXX, XXXX XXXX/XXXX-Date of Inquiry XXXX XXXX, XXXX XXXX XXXX-Date of Inquiry XXXX XXXX, XXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite my persistent efforts, these issues remain unresolved. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response deemed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to stress that I regard this matter with utmost seriousness. Should you fail to address my original request, which was sent via certified mail, I will not hesitate to escalate the issue to the Federal Trade Commission. I hereby request a thorough reexamination of the following information and ask for evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Should you be unable to provide such evidence, I demand the immediate removal of these items from my report.
Consumer complaint received 2022-10-30
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. (TX)

I have a account with XXXX, this account reflects several inaccuracies that are reporting on my credit files with Trans Union, XXXX, and XXXX. The inaccuracies are highly noticed when reviewing my credit. This reporting is effecting my credit as, it is keeping me from obtaining a better credit status. 

I was contacted by a creditor, who advised me that the account with XXXX. Account # XXXX showed my payment status as current, but showed in the XXXXwo-Year Payment History status. With several late payments over 30 days late with all three credit bureaus. I request a update of reporting with all three credit bureaus with Trans Union, XXXX, and XXXX. 

I do not request that this account be removed or deleted, but updated to reflect alone with the payment status of paid current reported on all three credit bureaus with all three credit bureaus. 

List of inaccuracies : Trans Union XXXX XXXX Date Opened : : : XXXX XXXX XXXX Date of Monthly Payments : XXXX XXXX XXXX  Last Reported : XXXX XXXX XXXX  Comment Section : No rate information No rate information Auto fixed rate Date Last Active : XXXX XXXX XXXX Date Last Payment : XXXX XXXX XXXX Two-Year Payment History : Trans union XXXX 30 day late XX/XX/XXXX to XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX to XX/XX/XXXX XXXX : 30 day late XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 30 day late : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX This is a breakdown of the inaccuracies that are being reported from all three credit bureaus. I request that these inaccuracies be updated to reflect the true accuracy on my credit files. 
There should be no hesitations, or issues with getting this corrected. I expect that this will be done in the 30 days mandate per Federal Law under the FCRA 15 USC 1681.
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

All Three, Incompetent Credit Reporting Organizations, Are Purposely Keeping All Of My Positive Account Information, From My Credit Report. As Of Today ( XX/XX/2021 ), I See Only Negative Information, On My Credit Report. This Obviously Lower 's My My Credit Score, Which Is Their Intent. I Have Had Positive Account Information On My Credit Report, For Over Two Weeks, And They Never Applied It To My Credit Score. I Work Hard To Keep My Bills Paid, And I I Don't Need A Half Assed Organizations, To Ruin My Credit.
Consumer complaint received 2021-10-26
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

I had three accounts with Synchrony Bank ( CareCredit, XXXX XXXX, and Amazon ), two if which had a {$0.00} balance. In the month of XX/XX/XXXX, they closed my accounts without any notice, and only one letter for one account with an explanation of 'payment ' issue ( which were not an issue ). I reached out to each to each company for an explanation as to why the accounts were closed. The result was that they pulled my credit and stated ; a lack of real estate secured loan information, too many revolving accounts with high balance compared to credit limit, too many bank cards with high balance compared to credit limit, unpaid collections, and number of inquiries was a factor in determining score. I have kept a very watchful eye on my credit reports and these factors stated weren't relevant at the time of their assessment. My scores have dropped by over 100 points with each bureau because my available credit limit decreased, there were derogatory remarks about accounts closures, and my overall debt to available balance increased. I also had an account with them closed in XXXX ( Mattress Firm ), I was previously assuming due to inactivity. I will be cautious in the future to make sure that I do not open any lines of credit with Synchrony anymore. Their company structure isn't consumer friendly unless you're consistently indebted to them.
Consumer complaint received 2021-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have submitted multiple letters in regards to fraudulent items being reported on my credit report. My consumer rights have been violated multiple times and I have highlighted the violations within the letters I have sent to the credit reporting agencies. I am asking the CFPB to assist me in getting the credit reporting agencies to block and remove the items in which are fraudulent as well as in violation of my consumer rights.
Consumer complaint received 2020-12-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (TN)

Received a letter from my mortgage servicer Fay Servicing stating the forbearance I requested was granted and additional information is needed to process my mortgage assistance request. I received a call from Fay Servicing XX/XX/2020 stating there was a property foreclosure sale set for my home XXXX, how could that happen when Fay servicing stated I'm in a forbearance. I have not received correspondence from Fay Servicing or XXXX XXXX XXXX XXXX XXXX the foreclosure attorney stating there is a foreclosure sale for my home. Tennessee Code Annotated states the home owner is to receive 30 notice prior to the foreclosure sale
Consumer complaint received 2021-10-26
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Lela Mae Portfolio Management Group (TN)

They keep contacting me via email saying I owe money on a debt that is over 8 years old, and I filed bankruptcy over 2 years ago. The statute of limitations in my state is 6 years. This company is named Lela Mae Portfolio group. They have not sent me any information via mail previously requested. They have been harassing me for a few years via email and will not even validate a debt. I've asked to not be contacted and they still do.
Consumer complaint received 2021-10-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Portfolio Recovery Assets is trying to recover a debt which i fell behind and eventually stopped paying on over 5 years ago. They tried to renew the debt and charge me interest and state that I opened up the account last year. They are putting false information out since we have a statute of limitations here in South Carolina of 3 years and trying to renew a zombie account to report it as new debt. This is a dishonest business practice and I am trying to get this removed from my report as I have already paid the price of having higher interest rates and poor credit as a result of this.