davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I went to a car dealership and i was told they were only going to pull from their in house which was XXXX dealership. But they did not. These listed below were unauthorized. 
XXXX 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 2023-01-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (VA)

I think it was XXXX when Wells Fargo repossessed my car due to payments that I was sending going into a fraudulent account. Wells Fargo states I was behind on my payments. They had already repossessed it the year before but I managed to come up with XXXX to get it back. I'm not sure if they wrongly repossessed my car that time or not. Wells Fargo did send me a check I think in XXXX for XXXX but did they compensate me for everything they owe me? I lost my job due to the second repossession and really struggled 6 months without a car. This was uncalled for! I was so upset about this cause it caused major difficulties I shouldn't have had to subjected to.
Consumer complaint received 2023-01-24
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. (NC)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (NY)

Dear Sir, I have a TD card that I used, and I am always making my payment on time. 
I hardly missed a payment. During COVID, I struggle to pay my billed due to covid but I do pay way payment beyond the minimum payment. I was late with one of my payments and TD charge me a late fee of XXXX. I called TD and explain why my payment was late due to COVID but they refuse to listen and refuse to waive the XXXX late fee. 

I am not asking TD to suspended my payment, I am just asking to wave the late fee of XXXX, and they refuse. Please help me get this late fee waive. 

Your assistance will be appreciated.
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX Balance Owed : {$2400.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly.

XXXX XXXX XXXX Balance Owed : {$110.00} - This account was taken care of with original creditor prior to going to collection, this is an error please remove this account.

XXXX XXXX XXXX  Balance Owed : {$58.00} - Delete this unknown account unless you can provide me with proof of a contract with my signature.

XXXX XXXX XXXX  Balance Owed : {$260.00} - Reporting unknown which means it's incomplete, please delete this account.

XXXX XXXX XXXX Balance Owed : {$170.00} - Your records are revealing conflicting and incorrect information compared to other bureaus.
Consumer complaint received 2023-01-24
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: EQUIFAX, INC. (NV)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX 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. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX  Balance : {$420.00}
Consumer complaint received 2023-01-24
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. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-12
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 — Problem with personal statement of dispute
Company: Southwest Credit Systems, L.P. (MD)

Sw Crdt Sys ( SW CREDIT SYSTEMS INC. ) add a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for this account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contact, signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA, Sw Crdt Sys ( SW CREDIT SYSTEMS INC. ) has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: AMERICAN EXPRESS COMPANY (OH)

I received responses from the company on XX/XX/year> in relation to the company 's continued abusive and dishonest conduct. 

The responses were dishonest and continued to lie and be abusive. 

The company referred to the process of intentionally hanging up the phone on a customer as being " professional. '' The company referred to employees giving incorrect information as being " professional. '' This shows a continued level of negligence and abuse. It was exactly this kind of disrespect that got the company reported years ago when they proceeded to retaliate against me for reporting them. I put up with their negligence and abuse for years before saying anything and it is disgraceful that they continue to engage in this conduct several years later.
Consumer complaint received 2023-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2021-01-12
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: 1st Franklin Financial Corporation (GA)

Notice to all, I am that I am, the consumer in fact, natural person, original creditor, lender, executor administrator, holder in due cours, and for any and all derivatives thereof for the surname/given name XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding. 
Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever they may be, and I depose the following facts, so be it, now present : 3. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 4. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/ or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; CREDITOR ACCOUNTS : XXXX XXXX XXXX XXXX Original creditor : XX/XX/XXXX XXXX XXXX XXXX 
AMOUNT : {$4700.00} ACCOUNT # : XXXX XXXX XXXX XXXX {$3700.00} XX/XX/2018XX/XX/XXXX
Consumer complaint received 2021-01-12
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In XXXX, I was called from the credit card company to notify me that my payment was last due. I immediately paid my account in full. In XXXX there was an interest charge of {$2.00} that I was unaware of. Due to being unaware I missed that payment which caused a late payment. I was never called nor emailed about these charges. This continued on until XXXX when I logged into my account and noticed this. I immediately paid my account in full. 

I am disputing this because to my knowledge my account was paid in full in XXXX. I was unaware of any additional interest charges and the credit card company NEVER notified me of these charges. They have always notified me in the past, and you can see by my payment history I have ALWAYS paid my credit card on time.
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Equifax is reporting an incorrect current balance of {$230000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The original loan amount was {$180000.00}. Also, Equifax is reporting pay status as ( 120 ) days late. I have NEVER been late on this loan. I have attached a copy of the Loan Modification Agreement for reference. This incorrect reporting of the wrong balance as well as lates is seriously harming my credit score and this line item needs to be updated. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2020-03-10
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. (IL)

XXXX  ; XXXX  and Transunion are reporting incorrectly a charge-off in the amount of {$1100.00} on the XXXX partial account number XXXX. ( Please see page attached. ) This account has been paid and should not be reporting. I have attached a copy of the payment letter from XXXX dated XXXX proving this account has no balance due. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have to contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-01-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: PENTAGON FEDERAL CREDIT UNION (OH)

XX/XX/2023. I was looking at my bank statement and noticed that PenFed Credit Union was charging me late fees on automatic payments from my checking account. I called them today and was told by their customer service person the late fees were for unpaid charges related to not having auto insurance coverage for approximately one month. This issue of not having auto insurance had came up once before and I sent PenFed Credit Union proof of coverage, however, they say now that I was uninsured for one month and therefore they placed their coverage on my vehicle for this time period. I offered to pay for whatever this extra amount was but was told I could not pay for it separately, and the payment for this coverage would now have to extend over the life of the loan. My loan payments are automatically deducted monthly, however, this additional fee causes the regular payment to be short and the short payment incurs late fees. The representative wanted to increase my loan payment from ~ {$720.00}. to $ XXXX to account for this extra fee and late charge but I was not comfortable with this and told the representative I thought this was unreasonable.
Consumer complaint received 2021-01-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (AR)

COLLECTOR ONCE AGAIN IS COLLECTING A FRAUDULENT CREDIT CARD DEBT AND KEEP CALLING MY FAMILY MEMNBERS 31 CALLS TO CELL.ALSO HAVE STARTED CLASS ACTION EFFORT FOR DODD FRANK ACT INFRACTIONS.
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Consumer complaint received 2021-01-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-01-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

Since XXXX, I have been disputing XXXX bank over the validity of a XXXX account on my credit report. The account, along with several others, from XXXX bank, was fraudulently opened between XX/XX/XXXX and XX/XX/XXXX. The XXXX card was opened XX/XX/XXXX according to my credit report. It was not until XXXX that I discovered these accounts while trying to obtain credit. I later found that two accounts were opened for XXXX through XXXX bank. After disputing and sending police report, one of the accounts was removed. The other XXXX account was not and I had to do a settlement XXXX in order to obtain my home loan. I was informed that the trade line would be removed just like the first XXXX account. It has not. Since then, I have submitted numerous disputes to no avail. I spoke to several representatives today for both XXXX and XXXX XXXX ( as they acquired some XXXX accounts in XXXX ). When speaking to supervisors for both, they both inform that they do not have record of the account and to call the other. I have been going in circles for month with the Credit Bureaus as they tell me that someone is " blocking '' the dispute but both companies say that they do not have it. They both state that they have no record when looking up the account using my social, birthdate or account number and that they can not do a dispute with the credit bureau on my behalf because they do not see any account for XXXX for me. I am also having the same issue with my XXXX account, yet they still somehow show verified. When I initially did the police report, I only reported two accounts from XXXX and throughout the year became aware of more as the year went on. They utilized the police report for other accounts, including the second XXXX account, as they found it suspicious that many of the accounts were opened on the same day and/or within a short time period from each other. These accounts are hurting my score and everytime I dispute they seem to hurt my score even more as they report it as if it is a new debt. At this point, I have become increasingly frustrated as I am already dealing with financial issues surrounding COVID and to have both companies telling me they can not help in this matter does not make it better. I have even paid these accounts that were fraudulently obtained in the first place and I still can not get any resolution.
Consumer complaint received 2024-06-17
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: SANTANDER HOLDINGS USA, INC. (TX)

I am writing with grave concern regarding a derogatory rating that appears on my credit report. This negative mark is a source of immense worry for me, as I fear its detrimental impact on my credit standing. It has already adversely affected me by leading to the rejection of a recent loan application, as well as higher interest rates being applied to my existing credit accounts. I can not overstate the severe financial burden and emotional toll this inaccurate negative rating has inflicted upon me, and will continue to inflict until it is properly remedied.
Consumer complaint received 2021-01-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Back in XXXX of 2020 I filed disputes with all 3 credit bureau. As of today I have yet to received anything from any of them. Can you please tell WHY?. The law is 30 days and it been 4 months. I am confuse as to how it can take so long to send results. I have attached proof of the first disputes I filed.