davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-18
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Westlake Services, LLC (CA)

My wife and I got a title loan from Wilshire Consumer Credit about 4 years ago and last month I gave the lender {$150.00} for the month of XXXX, I was short {$48.00} of {$190.00} a month I pay, it was a bad month but I still paid partial payment. On the XXXX day Wilshire Consumer Credit repo my car without any notification to prevent from this happening. The contract was signed outside a XXXX XXXX in XXXX by my wife from a representative of Wilshire Consumer Credit that was in a hurry. My wife signed the contract without reading thier horrific terms. This XXXX XXXX will repo your car fast even if you are short XXXX cent on your payment. Times are tough now I have no car to get to work and my commute is around 50 miles each way. It will be a good thing for the state to look into these awful businesses that target the hard working poor citizens that are trying to survive in expensive California.
Consumer complaint received 2023-02-17
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. (WA)

In accordance with the fair credit reporting act these creditors and companies Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Has violated my rights under 15 U.S.C. 1681 section 602 states I have the right to privacy 15 U.S.C. 1681 section 604a section 2 also states that consumers reporting agencies can not furnish an account without my written instructions. Under 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-31
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)

When I investigated my credit report, I realized that some of the items were erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items 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
Consumer complaint received 2022-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (AL)

I pulled my credit report on XX/XX/2021 and I saw that it states that I owe {$XX/XX/XXXX} to XX/XX/XXXX opened XX/XX/2021. I disputed with XXXX, XXXX and XXXX. It was removed. 
I pulled my credit report on XX/XX/2021 and it states that I owe {$XX/XX/XXXX} to AMSHER COLLECTION SERV opened on XX/XX/2021. I disputed with XXXX, XXXX and XXXX on XXXX of XX/XX/XXXX. I also asked for Validation and Verification with AMSHER COLLECTION SERV. I received two different letters with different names and amounts on the correspondence. I want to get this collection off my report because I have not done business with AMSHER COLLECTION SERV.
Consumer complaint received 2021-01-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CO)

Wells Fargo continues to post my principal payments through their website to standard payments. In addition they sometimes leave money for escrow or principal in my stanard payments in limbo until I discover the issue and have to contact them. I have contacted them over 4 times regarding this issue and was told they will open tickets and get the site fixed. This has not happened. I will be contacting them today to have another ticket entered to fix the {$1600.00} principal payment fixed.
Consumer complaint received 2021-01-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

I bought a condo in late XX/XX/XXXX. Within a couple months of closing, my mortgage was sold to Freedom Mortgage. 

I have paid the same monthly amount for almost XXXX years. I have never been late, as the loan is an automated ACH payment from my bank account. I do not have an escrow account as I pay insurance and taxes outside of At some point in summer of XXXX, Freedom Mortgage contacted me regarding insurance coverage via mail. As I already have insurance coverage, I disregarded the notice. What apparently happened was I misunderstood they needed proof of my coverage. They did not contact my insurance agent. They did not call or email me for additional information. 

Instead, they applied an insurance coverage over twice as expensive, but no more thorough, than that which I already had, and determined it needed to come from escrow, so they considered me in negative escrow, driving up my monthly payment. I was not aware of this. 

My insurance company, meanwhile, was providing updates to XXXX XXXX, the original provider of the mortgage. 

By the time I understood this, I think in XXXX, I started following up. I was not getting my mail regularly during the fall due to staying in a remote area due to Covid, and my mail not getting forwarded. 

By XXXX when I got reconnected to my mail ( again, no call, no email in the interim ), Freedom mortgage had - reported me negatively on my credit report, causing my score to drop not only below XXXX for the first time i believe in over a decade, but BELOW XXXX, which means i am unable to get good rates on anything - continued to collect my monthly payments but NOT APPLY THEM TO MY MORTGAGE - instead holding them in an unapplied payments 'bucket ' - put me in collections, considering me over {$4000.00} in arears as of XX/XX/XXXX On XX/XX/XXXX, I provided, via email, to Freedom Mortgage, proof of ongoing insurance coverage and no gap for the last two years. In addition, I asked to have my credit restored, my payment returned to its monthly amount prior to this, the escrow eliminated since I do not owe it, and the payments they have been holding, PLUS THE INTEREST earned on them applied to my balance. I have not heard back from them. 

I am now unable to refinance at a lower rate or from a more reputable company due to the issues they have created with my credit report. I am astounded.
Consumer complaint received 2023-02-01
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 States A consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make any 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 ) ( l ) 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 2024-01-04
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. (NY)

I'm a survivor of fraud. I'm writing to demand that you block the accompanying deceitful data from my credit report. I'm currently applying for another credit and these mistakes are causing an issue with my XXXX ratings revealing appropriately, so any assist you with canning give me with refreshing this data as quickly as time permits would be incredibly valuable. We are hoping to purchase a house. If it's not too much trouble, help
Consumer complaint received 2023-02-01
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. (LA)

My name is 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.
Consumer complaint received 2023-08-08
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-26
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. (MD)

On my Three bureaus it is showing that XXXX XXXX is closed and charged off for the amount of XXXX. When I have a letter form XXXX on their letter head showing that I DO NOT OWE A BALANCE! I have included the letter in this complaint and I would like to have the item updated immediately.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

I uploaded all documentation of my current address and I called 3 times each time the reps assured me that they are attaching the docs and it will be updated, they even wrote on one of the outcomes that the address change requested was updated. 
Now since my address got off my report ( a few months ago ) I can not obtain a credit report for my mortgage lender... I am Stuck! 

I tried 3 times as mentioned I hope they will help me now
Consumer complaint received 2023-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I deposited a check using my bank app. the next day the bank put a hold on the funds for 10days. I asked to cancel the deposit so I can take the check directly to the makers bank and cash the check. 
Not an option, hold was placed even though the check cleared my clients bank The are keeping me from my funds fraduantly
Consumer complaint received 2023-02-17
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)

The following accounts : XXXX XXXX account # XXXX and XXXX XXXX # XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to 15 USC 1681 SECTION 602A. states I have the right to privacy 15 USC 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 7 years. 15 USC 1681 S-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-04
Product: Credit reporting 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. (NC)

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud.XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry DaXXXX XXXX  and XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NM)

In early XX/XX/XXXX I decided to put a freeze on my credit; there was no particular reason, it was just a precaution. I did it online, without any problem, with two of the main credit bureaus, XXXX and XXXX. When I tried to do it with Equifax I was unable to do it online, and called them. A representative told my I had to send documents to verify my identity and a letter requesting the credit freeze ; I mailed them on XX/XX/XXXX. 

On XX/XX/XXXX I was still unable to check the status of my credit freeze online, so I called Equifax again. A representative told me they could not freeze my credit because I did not have a credit history. I said that sounded very strange, because the other two credit bureaus did do it, and I had never heard that people with no credit history could not freeze their credit ; in the end I requested to speak to a supervisor. I was transferred to a supervisor at the Fraud Department, XXXX, ID : XXXX ; he confirmed Equifax had received the documents I had mailed, and said that YES, the company COULD freeze my credit. He told me I would receive a letter confirming the credit freeze within 5 business days. 

I did not receive the letter. On XX/XX/XXXX I called Equifax again, and this time a representative told me they can not freeze my credit because I do not have a credit history. I explained to her what a supervisor at the Fraud Department, XXXX, ID : XXXX, had said, and she said the information he provided was wrong. 

I should explain my concern. True, I do not have a credit history nor plan to apply for credit at the moment, but someone can still open an account on my name, with negative consequences for me in the future. So, would you please let me know whether it is true Equifax can refuse to freeze my credit because I do not have a credit history? If it is not true, then what do I need to do to get them to freeze my credit? 

Thank you for your time and attention, XXXX XXXX
Consumer complaint received 2024-01-04
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. (MA)

I hope this letter finds you well. I am writing to bring to your attention a dispute I am currently experiencing with Experian, a credit reporting agency, regarding inaccuracies on my credit report. I have followed the necessary procedures to dispute the information directly with Experian, but as of the date of this letter, I have not received a response from them. 
On XX/XX/XXXX, I contacted Experian regarding the following inaccurate information on my credit report. Unfortunately, Experian has not responded to my dispute. The details of the inaccuracies and the required corrections are as follows : XXXX Account # XXXX : Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$320.00} Original Creditor : CXXXX  Please remove this account from my credit report. 

XXXX Account # XXXX : Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$510.00} Original Creditor : XXXX Please remove this account from my credit report. 

XXXX Account # XXXX : Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} Original Creditor : XXXX Please remove this account from my credit report. 

XXXX XXXX Account : Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$540.00} Please remove this account from my credit report. 

XXXX XXXX Account ( Verification Required ) : Date Opened : XX/XX/XXXX Balance : {$460.00} Please verify the accuracy of this account, correct the balance, and mark it as disputed until resolved with the creditor. 

XXXX XXXX Account # XXXX : Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$390.00} Please remove this account from my credit report. 

XXXX XXXX Account ( Verification Required ) : Date Opened : XX/XX/XXXX Balance : {$260.00} Please verify the accuracy of this account, correct the balance, and mark it as disputed until resolved with the creditor. 

XXXX XXXX XXXX. Account : Date Opened : XX/XX/XXXX Balance : {$610.00} Please correct the inaccuracies, remove the past due amount, and mark this account as disputed until resolved. 

XXXX XXXX XXXX Account : Date Opened : XX/XX/XXXX Balance : {$14.00} Please correct the inaccuracies, revise the past due information, and mark this account as disputed until resolved.
Consumer complaint received 2023-05-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (DC)

I am writing to you today to appeal a negative credit report entry that has caused a significant drop in my credit score. The issue at hand is a {$13.00} interest charge that I was not aware of due to travel, which was reported by JP Mogan Chase XXXX Credit Card after I had already paid off the entire $ XXXX balance. 

I strongly believe that this negative entry is unreasonable after making every effort to ensure that I paid off the full balance owed. The fact that this small amount of interest has resulted in such a significant drop in my credit score ( -60! ) is extremely concerning and has the potential to impact my financial future in a significant way. 

I respectfully request that you intervene in this matter and work with JP Morgan Chase Southwest Credit Card to have this negative entry removed from my credit report. I have been a responsible borrower and have worked hard to maintain a good credit history, and I believe that this one-time oversight should not be allowed to have such a negative impact on my creditworthiness and potentially a negative impact on my security level and job suitability. JP Morgan Chase Southwest Credit Card has a strict policy and they are unwavering. 

Thank you for your time and attention to this matter. I look forward to your response and resolution of this issue. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-01-12
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. (NV)

On XX/XX/2018, a XXXX XXXX personal loan in the amount of {$16000.00}, was opened without my consent. I have been victim of identity theft since my personal information was leaked from the data breach from XXXX. I've also received information that my personal email address and passwords were hacked based on findings from an Experian report. I have filed a total of XXXX different ID theft police reports since the XXXX breach. I've also filed an ID Theft affidavit as well as FTC reports for the numerous fraudulent accounts that were being opened with my personal information. I've previously disputed this account with Experian, in which they blocked the account from appearing on my report. But a year later, the account reappeared on my credit history and Experian has not yet removed the account despite my numerous disputes submitted and phone calls with Experians Fraud Department. I've sent them all the police reports, FTC reports and notarized ID theft affidavits that validate my claim and yet the account still remains. The other credit bureaus have removed the account permanently without any issues.