davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-10
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: EQUIFAX, INC. (CO)

Looking into this, a XXXX XXXX XXXX account ending in XXXX is a charge account, thus reflecting a balance of {$190.00} opened sometime around XX/XX/2019 as the creditor as XXXX at phone number ( XXXX ) XXXX this inquiry was submitted and the issue now is it is reflecting on my Equifax report.
Consumer complaint received 2023-05-24
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)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX, MD XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$600.00} ; XXXX  XXXX Balance : {$390.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXXBalance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2018-10-03
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. (TX)

I have several inquiries that need to be removed. fraud never authorize. Please delete at once. 

XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX # 1 Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX # 18 Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Bank ( XXXX ) XXXX
Consumer complaint received 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

In XX/XX/2010 I foreclosed on my property. I had a HELOC loan ( XXXX ) with XXXX XXXX  attached to that property as well as other loans. Its been over 7 years and XXXX XXXX is still reporting the loan on my credit report as over 180 days past due. I have been in contact with XXXX XXXX and have had no resolution Since I need to apply for other home loans I need to get this off of my report.
Consumer complaint received 2020-01-10
Product: Credit reporting, credit repair services, 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. (MN)

I've disputed many things on XXXX XXXX. I KNOW FOR SURE that one last thing on my credit reports is outdated and they keep updating the " open date '' so that it doesn't expire. Why? I have no idea? Anyways, the debt is very old. Please look into this for me. I'm a Vet.
Consumer complaint received 2020-01-10
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc. (OH)

I have mailed out a letter asking for validation on XX/XX/19. Im waiting on a response from the company. I keep receiving multiple calls throughout the whole day and I have asked for this to stop. They continue to calm me repeatedly without responding to my mailed correspondence. A letter to cease will be mailed next.
Consumer complaint received 2020-01-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Coast Acceptance Corporation (CA)

Coast Acceptance Company continues to call, sometimes under a restricted phone number so I can't see who it is. Continues to call me at work even after demanding they don't because I'm not allowed to take calls at work. Representatives threaten to repossess my vehicle. Under the contract they can't do so until it is 30 days late, which it is not, nor has ever been 30 days late. 
Company calls almost daily, and multiple times a day. Leaving voicemails each time.
Consumer complaint received 2019-12-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Braviant Holdings, LLC (CA)

It has come to my attention that this lender is not legally licensed by the state of California. Upon checking the DBO, Balance Credit is not listed on the DBO website. I have received 2 loans where I was charged excessive fees that were not legal in the state of California. Although I am not legally required to do so, I am willing to repay the principal balance of this loan. I received multiple loans that dates back to XX/XX/2017 have had several bi-weekly withdrawal payments from my bank account. 

With the past and current loan taken out I have over paid due to the excessive interest accessed. I would like my existing loan to be deemed as paid in full with all the overpayments I have made for the past 2 years. 

I have requested to revoke authorization for ACH withdrawals. I have sent two emails and have not gotten a response. Usually, Balance Credit responds immediately to emails within 1-3 hours if its in regards to another matter ( such as payments ).
Consumer complaint received 2020-01-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (CA)

As I do every month I send my payment via bill pay through my XXXX XXXX XXXX checking account. I received numerous calls from TMS ( The Money Source ) multiply times in a day stating they didn't receive my payment. I checked with XXXX XXXX XXXX they confirmed the payment was sent and delivered on XX/XX/2019. After a week or so, I continued to get calls from TMS stating they didn't receive my payment. We contacted XXXX, they placed a stop payment, issued a refund & we made another payment, TMS reported to our credit report 30 days. This is the second time we had the issue with the TMS. They did the same thing in XXXX. Claimed to not receive the payment & then in XXXX they posted it on XX/XX/XXXX & then said who if we would have received it on the XXXX of XXXX we wouldn't have reported you. I explained to them the XXXX is a Federal Holiday & they should have posted it according to the date received & if they were behind, they should have back dated it.
Consumer complaint received 2020-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (WA)

This is yet the most recent banking practices and I believe someone in the bank has targeted my accounts for malicious activity. Money deposit from one acct to another from person cash funds to business acct as capital was immediately available since the bank made the direct withdrawal and deposit. Acct showed funds available and clerk identified funds were available, then weeks later acct shows negative balances. Also bank over a month later after my complaints to charge for inaccurate and duplicate transactions an analysis fee which is also related to the bank staff reviewing acct when ever they choose. Bank does not want customer to have access to their own data and continues to put barriers to charge fees. Like trying to eliminate deposit slips and performing transactions without the knowledge of the customer. Please explain to me what is going on.
Consumer complaint received 2023-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

On XX/XX/XXXX there was a charge to my BJs Mastercard issued through Comenity Bank for XXXX to XXXX XXXX  in XXXX WY. I did not make this charge. I called the fraud department and they said they would look into it. They also told me that the address that I had provided was incorrect. After some digging I realized that the address on the account had been changed the same month that the fraudulent charge was made. At this time I paid the account in full ( with the exception of the charge for XXXX ) and did not use it again. 

Comenity issued me a new card, changed the address back to my correct address, and on the XX/XX/XXXX statement credited me incorrectly for a charge of XXXX ( which I did make on XX/XX/XXXX ). I have tried to get them to correct their mistake but they are acting like they can't see the charge for XXXX. I have not used this account since I paid all of my charges off. I should have a XXXX balance but this fraudulent charge continues to gain interest and late charges and it is now over XXXX. 

I spoke with someone from account services and she told me she understood but that the fraud department had to fix this. She also told me that the accounts were going to be handled by another bank and once that transfer went through there was nothing that could be done about this bad charge. 

It is extremely difficult to reach someone from Comenity by phone. I've waited between 40-60 minutes on hold before I could talk to someone and their people do not seem to know what they are doing. I really need help, my credit score took a huge hit because of their negligence. I'm frustrated and I'm worried.
Consumer complaint received 2019-02-15
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)

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-09
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)

I have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of these debts and request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) When the original date of default and collection activity began 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.

I have attached a police report and an FTC report for identity theft.
Consumer complaint received 2018-03-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Exeter Finance, LLC. (AL)

I am a Licensed Used Car Dealer with the State of Alabama. I contacted my friend XXXX XXXX at XXXX XXXX in XXXX, Alabama to purchase a New XXXX Truck under my Company 's Name using it's DUNs Number and EIN. He explained to me that I would have to XXXX the loan in which I new. I inquired about a XXXX XXXX truck, explained to him that my Transunion score was a XXXX and that I only had XXXX Tradeline. I made specifically clear to him to tell his Sales and Finance Manager to only pull my credit once, to only use my Transunion Credit report and to only send my loan request to XXXX XXXX. Well that did not happen, XXXX XXXX pulled my credit 3 times and they sent my loan request to 19 different lenders in which is fraudulent and unacceptable. I did not give them permission to blast my information to all of the Lenders they sent them to with me knowing that my Transunion report was the only hope I had. They took advantage of me, lowered my credit scores and now preventing me from Refinancing some commercial property I am buying on a lease purchase. I want all of the credit inquiries removed from my Credit Report Immediately
Consumer complaint received 2023-02-24
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. (FL)

The following inquiries continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these inquiries must be verified ( A ). I will bring legal action against you if you do not verify these inquiries. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-09
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)

I have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of these debts and request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) When the original date of default and collection activity began 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.

I have attached a police report and an FTC report for identity theft.
Consumer complaint received 2024-02-23
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. (NC)

In XXXX  0f XXXX, my wife and I went on a cruise. We left out of XXXX to XXXX and then to the cruise. Upon returning, albeit months later, we discovered that someone stole mail from our old apartment and created fake identities to open up fraudulent accounts in my name. The accounts were opened at XXXX ( XXXX XXXX  ) and XXXX XXXX ( XXXX XXXX ). My credit dropped from the XXXX to under XXXX and I immediately filed disputes with Experian, XXXX and XXXX, all on XX/XX/2023, with the expectation they would be removed. I was shocked to receive confirmations from the credit bureaus saying that both companies validated the accounts. I called Experian and was transfered to an identity theft specialist. They told me that I should have chose " Identity Theft '' instead of " Account not Mine '' and walked me through how to refile this and how to file a report with XXXX and a police report. My wife and I went to the stores where the accounts were opened and spoke to employees at both who verified that it was theft, then filed an official report through www.identitytheft.gov and filed a police report. We also froze my credit at all 3 bureaus and locked all future credit and added statements to the reports. However, despite it being nearly 9 months later and after speaking with the companies, Experian, XXXX and XXXX, the accounts are still reported as late and the banks are telling us that we need to pay. We can not buy a new house or get a new lease on our car because of this. When someone slips through the cracks of these big agencies, their lives can be negatively impacted and be forced to deal with financial implications that are beyond their control, and they are not held accountable. I ask that someone gets us the help that we deserve and take it upon themselves to correct this incredible error.
Consumer complaint received 2020-01-10
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: WELLS FARGO & COMPANY (TX)

Wells Fargo and XXXX  should look at this also XXXX  opened up a mobile that never happened had XXXX profile login to my account had FTC violations everywhere from banks, lenders late payment and who know what else I'm no cyber hacker to figure that out I'll LET FTC figure that out themselves Loss XXXX from wells fargo XXXX    XXXX XXXX XXXX  name goes on and on
Consumer complaint received 2020-01-10
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: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX, I mailed XXXX  and Experian disputes regarding a XXXX XXXX account that was reporting inaccurately on my files. I disputed the payment history and date of first delinquency because XXXX  showed I first became 30 days late in XX/XX/XXXX, but Experian showed I first became 30 days late in XX/XX/XXXX. XXXX  also showed the date of first delinquency as XX/XX/XXXX, which contradicted the payment history. How could the same late payment occur during 2 separate months of the year? On XX/XX/XXXX, XXXX   responded to my dispute saying XXXX XXXX verified that the information I disputed was accurate. The date of first delinquency was listed as XX/XX/XXXX in their response and the payment history was missing entirely. The account was not compliant with the FCRA before my dispute and it is also non-compliant after my dispute. XXXX  did not fix the error and the account is now entirely incomplete. If XXXX  actually investigated the account, the errors and omissions would not remain. To further demonstrate this information, I also received a response from Experian on XX/XX/XXXX. In their response to my dispute, they said XXXX XXXX verified to them that the date the account first became late was XXXX of XXXX. How can XXXX verify two different dates as accurate for the same late payment? How can this same late payment be reported as occurring in XX/XX/XXXX on XXXX  and XX/XX/XXXX on Experian? After my disputes, both bureaus claim they did their own investigation and that XXXX XXXX has verified to them that the information is accurate, but the inaccuracies still remain on both credit reports.