davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-12
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: WELLS FARGO & COMPANY (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2021-10-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Credit Recovery, Inc. (FL)

I have a company calling/ texting from XXXX and XXXX ref # XXXX daily regarding a person by the name of XXXX XXXX XXXX . They contact me daily and when I express I am not they intended person, I'm met with threats and hostility. Also they stated the name of the company is Southern Credit Recovery however that is not the case, and is confirmed this may be a scam, company impersonating another company.
Consumer complaint received 2024-02-27
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. (MI)

I have unauthorized Inquiries that is reporting on my Experian Credit Report. I received an updated credit report from Myfico. That indicates that I have only 2 Inquiries that is on my Experian profile. Then look at the Experian Credit Report and it shows 5 Inquiries. There are 3 unauthorized Inquiries that I am requesting to be removed from my Experian profile. See Attached Documents that shows one from Myfico. Then the actual report showing from Experian.
Consumer complaint received 2021-10-13
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. (OH)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2020-07-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

This is an extension ( additional information ) of a previous complaint filed with you : Compliant ID # XXXX Please note information from previous complaint - I had mistakenly paid {$15000.00} ( paying off the loan to a XXXX balance ) when i intended to only pay {$10000.00} I requested they refund the {$5000.00}. the following business day after making the payment ( XX/XX/XXXX ) i've spent hours and hours on the phone with them. -- -- Currently on XX/XX/XXXX Capital One Auto Finance did indeed finally re-instate the loan and say they are sending me a refund in the amount of {$5000.00}. However, instead of the loan indicating I now owe {$5000.00}. they re-instated the loan for the entire amount that i had paid and it now says i owe {$15000.00} ( with a 'missed payment ' indicated a fee for a missed payment and states i owe a double payment of {$560.00} today ( XX/XX/XXXX ) it also appears they charged me {$46.00} interest, both going and coming with the money. 
I'm very concerned. They were paid {$15000.00} - they are refunding me {$5000.00}. but are indicating that i owe {$15000.00}!! 
I still don't have the {$5000.00}. they say they refunded me on XX/XX/XXXX, but they either need to refund the entire amount ( NO late fees - NO additional charges ) and pick back up with the loan - OR refund the {$5000.00}. as requested and indicate the proper balance due of {$5000.00}. ( NOT {$15000.00} ) or ... IDK but this couldn't have been messed up any worse if they'd actually been TRYING to mess it up. 
I also need to make SURE they are not going to report me as having missed a payment. I did not miss a payment! Good Grief. This is incredibly ridiculous.
Consumer complaint received 2021-10-13
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. (NJ)

After applying for and getting denied for an apartment, I received a copy of my most recent credit report. I noticed there were items on there that were not mine and I believe are a result of identity theft.
Consumer complaint received 2021-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MA)

In XX/XX/XXXX I received notice that my mortgage will be transferred to Mr Cooper effective XX/XX/XXXX and that my payment due on XX/XX/XXXX should be sent to Mr Cooper. 

On XX/XX/XXXX, I scheduled a payment for XX/XX/XXXX to Mr Cooper via XX/XX/XXXX Online Bill Pay. The payment was withdrawn from my account as expected on XX/XX/XXXX. 

On XX/XX/XXXX I was granted access to my Mr Cooper account online and noticed that it said a payment was due XX/XX/XXXX. I called Mr Cooper and spoke with two representatives, neither of whom were able to locate the payment I had made on XX/XX/XXXX. 

As directed, in order to initiate a " Missing Payment Search, '' I emailed XXXX with proof of the payment and details of the situation on XX/XX/XXXX. I have not received any further correspondence regarding the situation. 

{$1400.00} has been debited from my XX/XX/XXXX checking account, but Mr Cooper has no record of having received this payment.
Consumer complaint received 2021-10-13
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was just looking at my credit report and found some errors relating to my payment history on some accounts. My mortgage with XXXX XXXX, is not reporting on my credit report. 
I would like for my mortgage to report to credit report.
Consumer complaint received 2021-01-07
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NH)

My name is XXXX XXXX, my mother 's name is XXXX XXXX - We contracted with XXXX XXXX in XXXX. My mum had signed up for auto payments and in XX/XX/XXXX we contacted XXXX that we may need to have some help and inquired about their program. My mum went in for XXXX XXXX XX/XX/XXXX and we thought that her payments were being auto paid. My mum had her bank account compromised and XXXX XXXX XXXX had to change her account. I believe there is where something happened - but we never received a call that her account was not paid and that the car would be repossessed. My mum is XXXX years old. She pays her bills but honestly, I think something fell through the cracks - I called to see what we could do and they wish for us to pay in full. I called to find out why they never contacted us and they said we had a " Do Not Call '' on our contract - That is not true. We never would place something like that on a contract and my mum and I were present together signing this lease. Please help us - as my mum needs her car for dr appointments and she still works.
Consumer complaint received 2021-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

XX/XX/2021 I made a {$6500.00} check deposit into my Bank of America Account in the lobby of the bank. I was not told there would be a hold on these funds and I had a {$14000.00} balance in my bank account at the time. I received an email from Bank of America later in the day saying there would be a hold on this deposit until XX/XX/2021. The check I deposited was from my personal XXXX XXXX account and the funds were paid and withdrawn from that account XX/XX/2021. I called Bank of America on XX/XX/2021 to complain about the hold, that I had not been informed of it at the time of the deposit. I was told they could hold the funds for 7 days and to call back in 3 days and in the future use an electronic transfer of funds. Bank of America should be penalized for their actions and I should be compensated for the inconvenience this has caused me. It is now XX/XX/2021 and the funds are still on hold in my account. This is unacceptable!
Consumer complaint received 2021-10-12
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: Santander Consumer USA Holdings Inc. (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX XXXX and Santander Consumer USA. The Account Opened is XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$500.00}. The Account Opened is Santander Consumer USA Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2020-07-10
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. (AR)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.
Consumer complaint received 2020-12-26
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)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2020-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (FL)

I always pay my credit card accounts completely and on time every month if I receive the mailed statement. This company, Hilton Honors, American Express says since XXXX I've been paying late every month and now they're charging {$40.00} late fess in addition to other fees every month which is news to me. I have only two recurring charges each month on the card totaling {$35.00}. According to my online banking account ( XXXX ) I paid {$87.00} in XXXX ( XXXX XXXX  ) apparently because I missed the XXXX payment of {$35.00}. But I was paying the late charges only or something? I didn't receive the XXXX bill or I would've paid it. I paid {$66.00} on XXXX, apparently late again because my bill is due the XXXX of ea month but if I don't receive the bill, it's my online bank telling me I have a bill. This is twice the normal amount. Then I transferred the two recurring charges for XXXX so my bill shou8ld 've been XXXX in XXXX but again I didn't receive a statement and found when paying other bills on XX/XX/XXXX that my bill was now {$140.00}. I asked for charges to be removed so I could pay my final bill and cancel the card and then received this story about not paying late charges back to XXXX. I asked to speak to a supervisor and was put mon hold for 20 mins or ignored ...
Consumer complaint received 2021-10-12
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: EQUIFAX, INC. (AL)

I am a victim of Identity Theft and Fraud. I have contacted XXXX, XXXX, and Equifax more than 90 days ago to inform them that I am a victim of Identity Theft/Fraud, yet each refuses to remove the accounts that were created due to Identity Theft/Fraud. According to FCRA, all accounts created as a result of identity theft/fraud are to be removed from credit reports IMMEDIATELY! 

I have filed several incident and police reports to bring this to the attention of local authorities as well as to the creditors, yet the Credit Bureaus continue to make false claims that the accounts in question have been verified. This is impossible because the accounts are not valid and were opened due to Identity Theft. All instances of the following accounts which are referenced on the police reports and FTC reports, should be DELETED IMMEDIATELY FROM MY CREDIT REPORTS : Fair Collections and Outsourcing - {$24000.00} XXXX XXXX XXXX - {$17000.00} XXXX XXXX XXXX - {$260.00} XXXX XXXX XXXX - {$2000.00} Furthermore, the following accounts have been compromised and fraudulent charges that I do not recognize have been added to my balance, creating an adverse affect that has been damaging to me : XXXX XXXX - {$600.00} In addition, The following Inquiries are also the result of Identity theft and should be DELETED IMMEDIATELY, below are the Inquiry Creditors and the corresponding date of each inquiry : XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX- XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX  - XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX, XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX  XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX ; I can not wait another day for these accounts to be removed !
Consumer complaint received 2020-04-21
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9900.00}, {$10000.00}, {$9300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9900.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

3. XXXX XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account.
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I don't know what is going on at this company but they are putting anything they want into peoples credit reports. 

They are reporting that my home loan was included in my bankruptcy from XXXX when it was not. 

I just sold my home in XX/XX/XXXX. It has never been a part of my Bankruptcy proceedings. 

I have attached a copy of the following documents as proof of what I have just stated : 1 ) Closing Disclosure-XXXX 2 ) Adjustable Rate Mortgage Stamped Paid Off-XXXX XXXX ) Release Of Lien from The XXXX County MO Recorders Office-XXXX Please contact XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and the XXXX County Recorder 's Office to verify the information that I have provided above.
Consumer complaint received 2021-10-12
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: RateGenius Loan Services Inc (FL)

I submitted a preapproval in lendingtree and got different agents requesting more information, but one decided to skip every protocol in the book and just pulled a hard inquiry on my credit. The lending agent apologized for it over the phone and hang up and now the manager keeps telling me that it is what it is, so they pulled my credit score twice without my authorization, zero help and I get to find through yelp that I am not the only one that this business is deceiving with their malpractice. There is federal regulations that they are skipping and it needs to stop. You need to get consent to run someones credit.we established a client to customer relationship. You need fo seek consent for that credit score
Consumer complaint received 2022-10-09
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

this account has been billed two times in one month on two accounts this month why i printed the statement to show that they also gave me a credit from my account using my funds to do so and charged me over ate fee when they used my funds for credit from my account i printed this statement as well
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (CA)

We applied for a refi on our home and was questioned about the report from NewRez-Shellpoint that appeared to be two missed payment on XX/XX/XXXX and XX/XX/XXXX. I manually subtracted the amount paid from XX/XX/XXXX to XX/XX/XXXX the balance amount is correct but the columns don't indicate payments. This error could have and may have effected the amount that I was charged to finance my loan. As this was shown as missed payments. I contacted Shellpoint and they reported a XXXX missed payments and sent a letter of verification to me on XX/XX/XXXX. All three credit reporting services should be notified, XXXX, XXXX, XXXX and XXXX XXXX XXXX and any other lending companies involved in this loan.