davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Experian continues to report a XXXX account which has been closed with XXXX and XXXX as well. This account is still reporting negatively on my profile and its blocking my ability to obtain credit. Inaccurate and incomplete information shall be deleted. i was never late with a payment. Block and remove this account.
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC. (FL)

In 2020 during the start of Covid I lost my wallet and it took about 3 days before I received it back. It somehow appeared back at the location at the counter. I did not file a complaint because I ended up finding it. Ever since then I kept seeing random inquiries populate on my credit report. Ive tried to dispute them but Im not getting any feedback or help. This has been so stressful as its damaging my credit. If you guys need the accounts that I do not recognize I can list them.
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

For years I have been unable to get online delivery of my credit reports from Equifax. I am always greeted by the message " Online Delivery Unavailable '' for my credit report and instructions for how to mail in a request and what documents had to be attached to prove my identity. 

I have contacted Equifax numerous times, opened several disputes, and discovered that they have more than one file on me, under different names. I never seem to know which one they eventually mail me, sometimes I got both. I spent over two hours on the phone with them on XX/XX/XXXX, was told the problem was fixed, but it never has been. In fact there is a new " Previous Address '' in the file which I'd never heard of, much less lived there. There also appeared another address which was specifically discussed on that phone call and which I was told would be removed. It was not. 

The last credit report sent to me, dated XX/XX/XXXX was address to one name while the " name on file '' on the report was another. 

I hope something will be done to fix this as it is apparent Equifax doesn't care and could be reporting the incorrect file to inquirers. Their file ( s ) are so effed up now I'd like to sue them and get removed from their system completely.
Consumer complaint received 2019-12-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (GA)

I recently received a copy of my credit report and I noticed that this company is reporting negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validation. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated.
Consumer complaint received 2021-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I am at my wits end here with Portfolio Recovery Associates! I have sent them several letters for them to validate this alleged debt they keep trying to collect and continuing to report to the credit reporting agencies, which is severely damaging my credit files and scores. Every time, they send me some bills from XXXX not providing me any legal documents, including any original contracts or anything. 
To make matters worst, they keep providing me some bills that shows a total different amount from what they are stating that I allegedly owe them and trying to collect. Let 's not forget that I never even knew about Portfolio Recovery Associates before I saw that they are reporting this negative account on my credit report. 

Their own documents states, " it is not an attempt to collect a debt ''. They keep ignoring me, stalling me, and completely violating my rights and the law. This is attacking my character and is causing me suffering and pain. 

I need them to immediately close this account and delete them it from my credit reports. This is absolutely absurd!!!
Consumer complaint received 2021-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AL)

The reason that I am complaining to you all is that Wells Fargo bank is taking advantage of people that are on a fixed income just like I am I am XXXX and I am struggling just like the other consumers that trust Wells Fargo bank will help me to become financially stable and to no avail has helped me to become financially stable and has taken advantage of all other consumers and opening up fake accounts and forging names with out the consumers consent and sharing the consumers information with out the authorization with out the consumers permission. And Wells Fargo bank has even got sued for taking advantage of people that are banking with Wells Fargo bank. These banking institutions should help the consumers by allowing the consumers to this institutions should be able to provide vital information to the consumers and not to be well informed about the late fees in some cases these banking institutions are not being informed of the hidden fees. In which Wells Fargo bank has failed to do so. I have been told by the men that works with Wells Fargo bank that he is not the one or whatever a person is dealing with family issues should by any means take it out on the consumers. And for whatever a person is dealing with at their house should never bring their families problems to a professional environment and taking their families issues out on the consumers by any means. This always happens to me and other consumers as well. And this has always happened to to people that are struggling just to make ends meet. And all of these things needs to be stopped.
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY (NJ)

I have these items that are not mine and i want them to be removed from my credit. 

1. Identity Theft XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft TD BANK N.A. Date of inquiry : 05/06/2020
This is not mine. 4. Identity Theft TD BAN K N.A. Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 
6. Identity Theft XXXX  XXXX CHR  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XX/XX/XXXXDate of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XX/XX/XXXX/XX/XX/XXXXXX/XX/XXXXDate of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XX/XX/XXXX/XX/XX/XXXXXX/XX/XXXXDate of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have these items that are not mine and i want them to be removed from my credit. 

1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX  
Date of inquiry :XX/XX/XXXXThis is not mine. 

4. Identity Theft XXXX XXXX XXXX  
Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 
6. Identity Theft XX/XX/XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft COAF Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XX/XX/XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XX/XX/XXXX/XX/XX/XXXXXX/XX/XXXXDate of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XX/XX/XXXX/XX/XX/XXXXXX/XX/XXXXDate of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the XXXX  you have caused me.
Consumer complaint received 2019-12-16
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. (AL)

XXXX XXXX XXXX. I do not owe this debt and I have made numerous attempts to have this addressed through company listing and each credit bureau reporting. This is also a violation of my HIPPA rights as they have provided medical information in which I did not provide them consent to hold or obtain.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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
Consumer complaint received 2021-07-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America has called multiple times on the same day. Multiple emails which give false information about how making a payment against this debt would not reset the time that they could pursue legal recourse on this old debt that is over 6 years old and they have already charged off. I had in the past attempted to work through a debt settlement service and they refused at the time to accept it as well and now, after 6+ years they decide to start harassing me for the money. I will include the email they sent me about the debt. They indicate things like, because of the age the debt they can not sue me for it and they would not consider any payments made to restart or extend the time they have to sue on the debt. Which is a ploy because by law if I did make any payments they could use that against me and restart the debt if I didn't finish making payments. Due to XXXX I was no longer able to make payments at the levels they wanted, so I attempted to use a debt settlement service to clear up the debts and they refused to accept the negotiated deal with the company so I ended up falling into default on the credit card. They didn't pursue it until now, after the time to collect it ran out and it's off my credit report. They are deceptive while trying to sound helpful and caring. They need to stop this practice and discontinue trying to collect this kind of dead debt.
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (AR)

I have had too many difficulties with NFCU. I have requested throughout the month for my statements I needed for a XXXX XXXX XXXX be sent to me. The first time my financial statements went to my XXXX daughter who lives in another state. When I questioned at the supervisors level why my statements were sent to my daughter " Sorry, a computer malfunction. '' I have requested XXXX more times for now all my statements for every account on file be sent and yet I have never received my statements, when I call supervisors act as if my statements being sent to the wrong address is acceptable. I have sent and it was signed for received all proof identity theft was the reason for charges made on my now closed credit card, this was weeks ago, and still today NFCU Fraud/ID Department which is where I was told to prove ID Theft has yet to credit my account for monies I even sent in charges are being filed on the individual who stole my identity. 

The struggles with NFCU go as far back as last year where through the negligence of the XXXX XXXXXXXX XXXX who apologized after lost a home due to the Loan Officer 's inability to get my numbers right regarding just how much money I was borrowing.
Consumer complaint received 2024-03-19
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. (IN)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2021-07-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (AL)

I refinanced my vehicle with a different bank in XX/XX/2021. The new bank sent a payoff w/2checks ( bc I had to pay a difference ) in the same envelope, but only 1 of the checks was applied -- the larger check. Kia started calling & harassing me so I got the new bank on the phone and they sent ANOTHER cashiers check with the difference but it was not applied by Kia either. I called kia several times with the banker from the new bank on the phone. We provided tracking # and the name of the signer and verified their overnight address each time ; everything was correct but they couldn't find/apply the payment. As a result, I continue to encounter late fees, & Kia is destroying my credit. Each time a Kia rep told me they were looking into it and will fix it but they won't complete my payoff. Finally, someone at Kia said they would correct the issue and stop calling me but then I received a letter by mail stating the same thing : they were trying to collect a debt from me but I have sent them a cashiers check twice to their overnight payment address and it was signed as received. The new bank still hasn't received the title either because Kia won't apply the payment & claim they can't find it even though XXXX has signed for it twice.
Consumer complaint received 2019-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I ask that a human review my file. The credit bureau is reporting incorrect information. In the system you are showing that I financed a vehicle from XXXX XXXX for {$17000.00}. This information is incorrect. The total amount including the vehicle and finances charges is {$32000.00}. The original company reporting this XXXX XXXX is breaking the law. The credit bureau was notified in XXXX that the data in this file was not accurate. 

XXXX XXXX in an effort to keep me from refinancing with another lender has been reporting payments made but the balance has not gone down only up. Also, this vehicle was taken in and sold in a bankruptcy in XXXX of XXXX. The balance the company is showing is not correct. Attached is a copy of the original contract showing the correct amount.
Consumer complaint received 2019-12-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NJ)

i got a statement in the mail from loancare ( my mortagage company ) on XX/XX/19 saying that i owed excrow of over {$4000.00}. there was a mistake of a charge for {$3300.00} that loancare paid to another servicer in ERROR!! They still havent fixed the problem or havent called me back after numerous attempts. i emailed them, mailed them a letter, and called multiple times. I STILL DONT HAVE AN ANSWER. It was a mistake on their part and they seem like they do want to fix it. i need help really bad, i cant take this anymore.
Consumer complaint received 2021-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

I have business account with Bank of America and I opened another account online and made deposits totalling {$250000.00}. The promise was I could pay vendors by XXXX or by Wire. But when I tried to do so, their system made me use an ATM card except they never sent me an ATM card. After multiple calls I was able to figure out that they sent an ATM card to the office building my office is in but they failed to put the office suite number on the card mailer ( that suite number is on the bank account so why did they not put it on the mail ). I called twice again yesterday and was promised a call back from a superviser twice withing 24 hours but of course that has never happened. I now have a replacement ATM card but of course they did not send the pin so I can't do anything online. They could not help me online and I was advised to go into a physical location but the nearest one is nearly 300 miles away. So essentially I have {$250000.00} in the account that I can not access and I can't get anyone the phone that can help me. I have other accounts with XXXX XXXX, XXXX, and XXXX XXXX and do not have these problems with them.
Consumer complaint received 2021-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AVANTE (CA)

I am submitting this complaint because I am being extremely affected by AVANTE USA XXXX, they are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

because I want to give AVANTE USA XXXX The chance to solve this matter before any legal action is taken. 

Account information : Opened Date : XXXX XXXX Balance : {$4300.00} Currect payment Status : Collection Demand and remedy : Deletion account and waive the balance.
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

XXXX XXXXXXXX is reporting inaccurate information to the Experian Credit bureau! I have sent letters in to dispute it but Experian keeps saying Verified. XXXX XXXXXXXX is reporting 120 days late for XXXX and XX/XX/2018, both months can not be 120 days late! I have asked them to remove and delete this account and they are giving me the run around by saying VERIFIED which is not what my concern is about! Credit laws ensures that credit bureaus report only 100 % accurate credit information and Experian is not!!!
Consumer complaint received 2019-12-13
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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!