davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-31
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. (CA)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at XXXX XXXX. I did not open or authorize this account, and I have sent a request to XXXX XXXX asking that the account be closed immediately. I also request that XXXX XXXX absolve me of all charges on the account, and that they take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. 
I've attached a copy of the Internet Crime Report form that I completed on this matter. 
When I called the phone number ( XXXX ) that is printed all over the XXXX XXXX XXXX  bill that came in the mail it went into a voicemail box that was not professional, just a message to leave a number and when I called now it's a 'the number can not be completed as dialed. 
Thank you, XXXX XXXX
Consumer complaint received 2016-06-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: PAY-O-MATIC (NY)

This debt collector has called me several times a day for the past week. I have recorded each time they have called and emailed me. They have emailed me at least twice a day on a daily basis. I had explained to them the payment process my company goes through before issuing a payment and that I will call to make the payment. The collector for pay-o-matic continues to call constantly, interfering with my daily work routine.
Consumer complaint received 2021-12-27
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: CREDIT ACCEPTANCE CORPORATION (DE)

I recently checked my credit and realize XXXX and XXXX is reporting a missed payment for a account that's not mines and can not be verified. The creditor Credit Acceptance Corp. does not have my correct information on file. The account is closed! 

XXXX is reporting Fraudulent accounts that are not mines such as XXXX XXXX XXXX. XXXX removed all my positive credit info and replace it with fraudulent derogatory information.
Consumer complaint received 2021-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I review my credit report every month and noticed tat my credit score had decreased by XXXX points due to a " late payment '' on a CLOSED ACCOUNT that was paid off on XX/XX/2017. The company, XXXX XXXX XXXX XXXX has been permanently closed and being sued for fraud from thousands of consumers. My credit report shows a 30 day delinquent payment a XXXX balance due to XXXX XXXX so why was this reporting even allowed to be put on my credit report when it clearly stated that there was a XXXX balance on this CLOSED ACCOUNT? I want this fraudulent reporting off of my credit report immediately and my score to be returned to it's original score!!!!
Consumer complaint received 2021-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I review my credit report every month and noticed tat my credit score had decreased by XXXX points due to a " late payment '' on a CLOSED ACCOUNT that was paid off on XX/XX/2017. The company, XXXX XXXX XXXX XXXX has been permanently closed and being sued for fraud from thousands of consumers. My credit report shows a 30 day delinquent payment a XXXX balance due to XXXX XXXX so why was this reporting even allowed to be put on my credit report when it clearly stated that there was a XXXX balance on this CLOSED ACCOUNT? I want this fraudulent reporting off of my credit report immediately and my score to be returned to it's original score!!!!
Consumer complaint received 2019-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX # XXXX***XXXX is reporting a charged off collection on my account. However this is past the statute in Utah and I no longer owe this debt. This needs to be removed off of my credit.
Consumer complaint received 2019-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (CA)

I have got credit cards from other companies that gives me more than twice the limit AMEX provides me with. But I still use Amex credit card at all times. So I would expect to get appropriate customer service from Amex if and when I call Amex. I called AMEX from XXXX on XX/XX/19. The customer service representative was XXXX, ID XXXX. The representative refused to provide service to me over the phone. Listen to that call and get back to me with the either resolution I have asked for.
Consumer complaint received 2021-12-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (IN)

On XX/XX/XXXX, I sold a XXXX XXXX XXXX Unlimited that was financed through Santander Consumer USA. A bill of sale and a Cashier 's Check for payoff was Priority Mailed to the Corporate office. Santander Consumer received the payoff on XX/XX/XXXX. They didn't release the title until XX/XX/XXXX. The people that bought the XXXX are asking for the title. I called on XX/XX/XXXX to request a duplicate title, the manager said that the title was mailed out on XX/XX/XXXX and that i would have to wait. I requested the title be delivered by today. They refused. I don't feel that they should wait a week before releasing the title and I want it rectified ASAP. I will never recommend or use Santander Consumer USA.
Consumer complaint received 2023-02-23
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. (VA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (FL)

I opened a XXXX, Bath & XXXX credit card to begin repairing my credit after a disastrous divorce that ruined my credit. Since I travel extensively, I have a PMB where my paper mail is delivered. When I opened the XXXX & XXXX account, I chose the " paperless invoice '' so that I could pay the bill electronically. I only have my mail forwarded once a month so unless the invoices I receive are paperless, I may receive the invoice late. ALL MY BILLS ARE PAPERLESS AND I HAVE NEVER HAD AN ISSUE WITH RECEIVING AN ELECTRONIC STATEMENT. The first month ( XX/XX/XXXX ), I didn't receive an electronic notice, but I DID receive a paper bill to my PMB. It was in time so I paid the payment online. I called the credit card company ( Comenity ) and spoke to a nice representative who assured me I WAS enrolled in paperless billing and was not sure why I had received a paper bill and not an electronic one. She had me check all spam folders, verify the email it was to be sent to, etc., but there was no issues. She believed, since the account was new, it had just not been sent electronic due to the new start date. She assured me it would be sent electronically the next month. In XXXX and XXXX the exact same thing happened. I received a paper bill and no electronic bill. I contacted XXXX customer service. Assurances I WAS enrolled in paperless, no idea why I was getting paper bills. ( I have XXXX paper bills to prove this ) In XXXX, I found out they had reported me late because I had called them late to find out why I was STILL not getting an electronic bill. I spoke to a supervisor and shut down the account immediately to avoid any additional late reports to the credit bureaus. I want this late notice removed!!! 
( Details : https : XXXX, Account under XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Expires XX/XX/XXXX XXXX XXXX, Password XXXX ) XX/XX/XXXX : Address updated XXXX XXXX PMB so no delays in mail, email updated to XXXX - thinking they were having an issue with XXXX XX/XX/XXXX : Called Comenity when no paperless invoice came. Paid the rep so wouldn't be late XX/XX/XXXX : Called Comenity when no paperless invoice came. 
XX/XX/XXXX : Paid off since could not get an electronic invoice and they had reported me late. Spoke to XXXX - Account supervisor
Consumer complaint received 2021-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I sent a letter to XXXX, Equifax, and XXXX on XX/XX/2021, in regards to the inaccurate items on my credit report. It has been over 60 days and I have not received a response. According to Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove and delete those items from my credit report. As of today it has been over 60 days ; these inaccurate items should be deleted immediately. Please delete these accounts immediately or I will file for litigation due to the stress that you have caused me. My information was also impacted by the Equifax data breach and may have reached the presence and access of the wrong person.
Consumer complaint received 2015-07-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (NJ)

I had an Personal line of credit account with my stepdad ( XXXX XXXX ) through Wells Fargo Financial. Unfortunately, we fell behind and the account went to collections. ( We acknowledge it fell behind ). The account was then sold to the XXXX XXXX XXXX XXXX XXXX XXXX and in XXXX XXXX, XXXX through XXXX XXXX, XXXX paid a total of {$2200.00}. I spoke to collector named XXXX XXXX who set up a settlement with that office for {$.00}. I also spoke to a supervisor named XXXX after I discovered this same collector had authorized payments on my bank account ( with checks that I did NOT authorize ) and this supervisor XXXX assured me that the debt would be settled out WITH NO MORE PAYMENTS DUE. He said " At this point, we will just settle this out '' and returned the {$200.00} that was unauthorized from my account. If the account was not settled out, WHY would they authorize the return of my funds? I ask that you pull the conversation of phone calls that detail this. 

At this time, I have been notified by the Law Firm of XXXX XXXX ( phone number XXXX ) that they bought the debt and are requesting I settle pay a balance of {$2900.00}. I have spoken to a supervisor named XXXX ( on XXXX/XXXX/XXXX ) who even acknowledges in the conversation i had with her based on the review of notes " I do n't understand why they did n't just settle this out ''. 

I do n't understand how a debt i settled with the attorney 's office can be now owned by a different office when i clearly paid it in full PER that attorney 's office.There is clearly deceptive practices for predatory collection here.
Consumer complaint received 2021-12-27
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. (GA)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2019-11-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (OH)

I have an account from CREDENCE RESOURCE MANAGE # XXXX that is Fraudulent I have requested that XXXX XXXX XXXX froward me a copy of the contract and Itemized statement. There is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. I and requesting a 605b BLOCK on my file from all 3 bureaus and including the supplemental credit reporting agencies.
Consumer complaint received 2019-09-10
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: CAVALRY INVESTMENTS, LLC (TN)

I AM VICTIM OF ID THEFT. I WAS ADVISED BY THE FTC TO SEND IN MY SUPPORTING DOCUMENTS. TO HAVE THESE ACCOUNTS REMOVED FROM MY CREDIT FILE. IT HAS BEEN AN ON-GOING BATTLE WITH THESE COMPANIES. THE LAW IS VERY CLEAR TO ME AS FAR AS MY RIGHTS. THEY HAVE FAILED TO COMPLY WITH THE FCRA LAWS AND THEY HAVE NOT BLOCKED OR REMOVED THESE FRAUDULENT ACCOUNTS WHICH WERE OPEN BY THE THEFT AND NOT ME. PLEASE CONTACT THESE BUREAUS ABOUT THEIR ILLEGAL BEHAVIOR AND HAVE THEM TO COMPLY WITH FEDERAL LAWS AND RESPECT THE RIGHTS OF ID THEFT VICTIMS.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KY)

I want to inform the credit bureau AGAIN & AGAIN that I was the victim of identity theft. Per FCRA section 605b credit bureau are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2021-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2021-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Caliber Home Loans, Inc. (OH)

I have a mortgage with Caliber Home Loans - XXXX moved in XXXX of this year and provided the bank my new address. They changed my escrow payment in XXXX and my payment adjusted due to that. I have my payment on auto pay and when they rec 'd the XX/XX/XXXX payment it was short by XXXX ; the bank stated they sent me a late notice but they sent it to my old address and I never rec 'd. I called in on XX/XX/XXXX and spoke to many of their service reps that will not adjust the negative credit reporting. They never called me or sent me a late notice alerting me that my credit would be impacted due to a late payment. I am sure many people have their escrow adjusted and have issues with their first payment. I have never been late on this mortgage or any mortgages in my entire life. I asked them to make and adjustment and they will not. They did not provide me any written notice before impacting my credit. I happened to be checking my credit report this last weekend and notice the negative 30 day late- they would have done the same in XXXX had I not called them. They never attempted to call or send me any letters. I made the additional payment due today to make the loan fully current and changed my auto pay to ensure XXXX is correct. They are violating FCDPA and UDAP by not providing me any notice that my loan was delinquent and impacting my near perfect XXXX XXXX - I had a XXXX score before and now I am a XXXX. This is not acceptable for their error and needs to be fixed! 
XXXX
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Family Education privacy Act of 1974. my school loans should not be reporting on my credit reports.

15 US Code 1679 ( c ) Disclosure. Under the law any items reporting after 7 years must be removed from your credit report.
Consumer complaint received 2021-12-27
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

This mortgage servicer XXXX mortgage has AGAIN threatened me with foreclosure. This is my XXXX complaint to your bureau. They have again re-added my late husband 's name to the correspondence ( he died 9 years ago ) causing me additional stress. After numerous correspondence, faxes, telephone calls and complaints there seems to be no way of getting them to stop harassing me short of my suing them for damages for my time, effort and costs of responding over and over and over again.
Consumer complaint received 2019-09-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HUNTINGTON NATIONAL BANK, THE (PA)

I called last month which was XXXX about not being able to afford my car payment for the month. I spoke to a women who said all I had to do was pay {$270.00} and that would be fine. Here I guess the check bounced but I did not find out about that until yesterday when I received a text from my loan saying to call them. I called and they expect me to pay {$270.00} for last month and my car payment for this month. I never got a voicemail from them or and email stating that my check did not go through or I would have made another payment last month for the {$270.00}. I cant believe they just contacted me yesterday about this! I have told this company over XXXX over again that my son  is in the hospital with XXXX XXXX, he is only XXXX years old. They do not care about what I am going through they just care about getting their money. I can only afford my car payment this month and not the {$270.00}. My family can barely afford food at this point in time and Huntington has no sympathy for me. We are trying to sell the car because we can no longer afford it. So we are trying whatever we can do to get rid of this vehicle
Consumer complaint received 2021-04-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

Paypal has been refusing to return my money since XX/XX/2020. I XXXX the company and the judge ordered them to pay me the money but PayPal has refused to do so. I am owed {$5700.00}.