davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-06
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. (NV)

REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS

XXXX XXXX XXXX 


MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

MY PHONE NUMBER IS

XXXX XXXX XXXX

MY EMAIL ADDRESS IS

XXXX  

MY SECOND HOME ADDRESS IS 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


15 U.S. Code  1681i

THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE
Consumer complaint received 2020-06-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

Mortgage Account at Wells Fargo Monthly payment amount of {$1300.00} Requested covid suspension for 90 days. They granted, but didnt tell me what would happen at the end of 90 days - just gave me a list of potential options that MAY be granted at the end  depending on who the loan was backed by I emailed them about 7 times over the course of this period and they refused to give me an answer, just the same generic email responds as before. They then sent me a letter with the same generic info. When i call in, no rep can give me an answer and just keep forwarding me to an automated system that only gives balance info etc. very frustrating to not be able to plan for what happens at the end and im sure they prefer it this way In my opinion they have been, and still are, the worst major XXXX XXXX XXXXXXXX
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 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 U S DEPT OF EDXXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, DEPT OF ED/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX, 11 XXXXXXXX, 11 XXXX XXXX XXXX, 08 XXXX XXXX XXXX  XXXX XXXX XXXX. Inquiries : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

SOMONE WAS USING MY INFORMATION FOR SEVERAL YEARS AND APPLIED FOR MANY DIFFRENT ACCOUNTS AND LOANS THAT I WAS NOT AWARE OF I DID NOT GIVE ANYONE PERMISSION TO USE MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2023-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-06
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. (NV)

i have no applied for products with these companies, I have asked that it be removed and its still present 15 U.S. Code 1681i Credit Inquiries Credit Inquiries - Summary XXXX XXXX Experian XX/XX/XXXX XXXX XXXXXXXX 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 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 XXXX XXXX XXXX
Consumer complaint received 2022-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

i have no applied for products with these companies, I have asked that it be removed and its still present 15 U.S. Code 1681i Credit Inquiries Credit Inquiries - Summary XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXXXXXX 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 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 XXXX XXXX XXXX
Consumer complaint received 2020-06-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Student Loan Financial Assistance (NV)

I received a call from SLFA ( Student Loan Financial Assistance ) who stared they could take over my defaulted loan and lower my payment. They laid out a payment plan that would work for me and asked me to send in document to get everything started. They indicated that I was accepted into the program and asked for the first payment of XXXX which they automatically took out of my account and said my first payment would be due in XXXX. They also stated an advisor would contact me. I havent heard anything since although Ive attempted to contact them multiple times via phone and email. I saved the emails that I received from them.
Consumer complaint received 2015-08-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

I have received several credit reports from Equifax NONE of which show or report late payments on any of my old or new accounts. ALL old accounts were zerord from my bankruptcy and all new accounts are current. 
Yet Equifax continues to falsely report to creditors alleged late payments but can not supply the alleged account these so-called late payments stem from. 
Equifax needs to correct these inaccuracies and supply information pertaining to the alleged late account OR send updated credit reports to ALL creditors for the past 90 days to correct their mistakes.
Consumer complaint received 2020-06-16
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: Experian Information Solutions Inc. (TX)

In XXXX of this year, I discovered that my identity had been stolen. A credit card was opened in my name in 2017 and had been charged off. I notified all credit bureaus letting them know that my identity had been stolen and that the account was not mine. They refused to block the account and stated that the account had been verified by the creditor. 

I asked if they could provide proof of how they verified the account but the disregarded that claim and just stated that it was verified. Afterwards, I reached out directly to the creditor and notified them that I had been a victim of identity theft and that the card was opened in my name. Upon requesting that they provide me with a contract showing that the debt is mine, as well as showing what method they used to verify the debt, they ignored me and continue to state that the debt was mine.
Consumer complaint received 2023-02-14
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. (AZ)

In accordance with the Fair Credit Reporting Act. The following account is inaccurate and 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 15 U.S.C. 1681 section 602A. States I have the right to privacy. 
15 U.S.C. 1681Section 604A Section 2, also states a consumer reporting agency can not furnish a account without my written instruction.

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. 1781s-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 2022-11-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX XXXX later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within XXXX XXXX  gives a reason to immediately remove those items from my credit report. It has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-06-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

I have had been sending half payments every two weeks {$320.00} and {$400.00} for about five months XXXX XX/XX/XXXX, XXXX XXXX  called and told us not to send anymore partial payment. From now on to send full payment and that she would be sending back the {$320.00} dollars .Never got the {$320.00} back .So I called in to make full payment .They said, this account was not taking payments and was locked .Soon after that I got a letter from a lawyer, that there going to foreclose on my hose. They said I would a mod. loan in thirty days, and a case manager would, never called. I called that day, they said he was not able to talk .They put another appointment for XX/XX/XXXX to talk to me. I think their just killing time, days. To make me fall farther behind on my mortgage. I called them, where is the money, I have sent, they said that the money was set on another account because it was not a full payment, now they say that I need to send them {$4400.00} before XX/XX/2020 and that would put me back on track. Then I could make my regular payment.
Consumer complaint received 2024-02-26
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: Experian Information Solutions Inc. (AR)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: Social Finance, Inc. (LA)

In XXXX an account was opened fraudulently for {$12000.00}. 
I have completed a fraud packet, with a notarized affidavit. As soon as I could get a full police report, I provided that as well. 

SoFi has reported my account delinquent even though it is still in fraud review. 

I have been trying to speak with someone in the fraud department, but I am not getting return calls for the messages that I leave.
Consumer complaint received 2020-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (MA)

For almost 7 months I have contacted American Express to fix an issue to where they are not applying for my payments according to the terms of the agreement. Every month they have stated that they would take care of the issue, however, they never have. This is not a new issue and they are not blind to the fact that it is happening unless it is willful blindness. I make more than the minimum payment every month but they do not break the payments up according to the contract.
Consumer complaint received 2020-06-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Collection Management. Inc (MO)

Consumer Collection Management, Inc. | XXXX. XXXX  XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX toll free : XXXX | XXXX Trying to collect more then owned to original debtor Acc # XXXX Original {$1400.00} They trying to collect {$1800.00} My XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Phone : ( XXXX ) XXXX Send me to collection after they offered to increase my monthly payment from {$150.00} to more right after I got unemployed furloughed due to Covid -19 .And they sold me to collection for {$400.00} more Shameful
Consumer complaint received 2020-06-16
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: JPMORGAN CHASE & CO. (TX)

In XXXX of this year, I discovered that my identity had been stolen. A credit card was opened in my name in 2017 and had been charged off. I notified all credit bureaus letting them know that my identity had been stolen and that the account was not mine. They refused to block the account and stated that the account had been verified by the creditor. 

I asked if they could provide proof of how they verified the account but the disregarded that claim and just stated that it was verified. Afterwards, I reached out directly to the creditor and notified them that I had been a victim of identity theft and that the card was opened in my name. Upon requesting that they provide me with a contract showing that the debt is mine, as well as showing what method they used to verify the debt, they ignored me and continue to state that the debt was mine.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KY)

I am writing to formally request that you cease and desist all communications regarding the collection of debts on my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am exercising my right to request that you cease all communication with me, as well as with any third parties, regarding the alleged debts listed on my credit report. 

Please take note of the following accounts and items listed on my credit I dispute the validity of these accounts/items and request that you remove them from my credit report immediately. Furthermore, I demand that you cease any and all attempts to collect on these alleged debts and refrain from reporting any further negative information to any credit reporting agencies. 

I expect your compliance with this request within 30 days of receipt of this letter. Failure to do so may result in legal action taken against you and your agency.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :
Consumer complaint received 2022-03-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Winklevoss Exchange LLC (HI)

I am another victim of the theft of crypto assets from an XXXX  account maintained on Geminis crypto exchange. A substantive complaint has already been filed regarding the theft under Complaint No. XXXX. I hereby join in this Complaint and incorporate the arguments asserted in it, as they apply equally to my loss.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2023-06-27
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

A hard inquiry taken to my credit report off of XXXX XXXX that was attributed to Capital One Bank. Someone tried to open a credit with them when I do not bank with them. Resolved the situation by calling them and letting them know it was not me. They shut down the application. This all happened on the XXXX of XXXX.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, 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. 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 U S DEPT OF EDXXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, DEPT OF ED/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Inquiries : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XX/XX/2022 {$100.00} was charged to my account from a XXXX 's XXXX XXXX MD. I was not in XXXX at the time. Clearly, I was making purchases that day in XXXX, SC where I was that day as clearly seen on my bank statement. I submitted a fraud claim to my bank and it was rejected. They claim that my chip was used, but it appears that my chip was copied.