davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (FL)

COMENITY BANK CONTINUES TO REPORT INACCURATE INFORMATION ON MY CREDIT REPORT WHICH IS CREATING HAVOC! MY ACCOUNT SCORE HAS ONLY CONTINUED TO DROP SINCE THIS BANK TOOK OVER SEVERAL CREDIT CARDS AND REPORTED THEM ALL INACCURATLY. THE LATEST REPORT ON XXXX REPORTED MY XXXX ACCOUNT AS CLOSED AND WITH BALANCE. THIS ACCOUNT IS OPEN CURRENT AND WITH A XXXX DOLLAR BALANCE.
Consumer complaint received 2024-02-06
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. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CT)

I met with a Chase banker, XXXX and then XXXX XXXX, on XXXX XXXX XXXX CT branch. And he assured me that as a private client, I would NOT be charged any fees. Nevertheless, on my account ending in XXXX, Chase has surreptitiously charged me BOGUS fees for the last several years. They add up to {$160.00}. I spoke to the banker today, the branch manager, XXXX, and she assured me she would refund as much as possible, but urged me to file a formal complaint to recover all of the missing funds. Chase needs to REFUND ME $ {$160.00} for bogus monthly fees including XXXX XXXX  monthly fees and {$25.00} ACH and {$35.00} fees that I never agreed to.
Consumer complaint received 2023-03-24
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 — Was not notified of investigation status or results
Company: I.C. System, Inc. (AR)

After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with an account listed as XXXX XXXX XXXX  and validation was requested in the form of a dispute on XX/XX/2023 as this was an account that I did not recognize. I have not received any correspondence from the creditor to validate this account as correctly belonging to me nor has my credit report been updated to reflect the account being disputed. I sent a second validation letter out today ( XX/XX/2023 ) requesting validation of this debt because it does not belong to me. Please remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Consumer complaint received 2021-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I reach out to all XXXX credit Agency. And I request for this matter to be removed due to the fact I did not authorize it to be on my consumer report and the credit agency to refuse.
Consumer complaint received 2021-12-06
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. (NY)

on XX/XX/2020 XXXX XXXX and transunion deleted XXXX XXXX account XXXX, on XX/XX/XXXX it was re inserted back into my credit report. at no point in time did XXXX, transunion or XXXX notify me within 5 days of the reinserting. under 15, u.s code 1681i - procedure in case of disputed accuracy i was not notified, nor any written statement was sent to me at all. i would like the acccount to be permantly removed. you are in violation.
Consumer complaint received 2021-12-06
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: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Writing to delete information in my file. The items I need deleted are listed in my report. 
I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I reported theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-12-06
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : XXXX, ID, Identity Theft report
Consumer complaint received 2021-12-06
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. (PA)

This is my XXXX complaint regarding these inaccurate accounts on my credit report. I wasn't notified if these accounts were verified or not. Please investigate this existing issue and remove these inaccurate accounts from my credit report.
Consumer complaint received 2020-12-14
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Management Holdings, LLC (MD)

I have received Two Telephone calls from the # XXXX, and Voicemails, from a Debt Collector, " Credit Management Co. '', on XX/XX/2020 and XX/XX/2020. They haven't explained, the Creditor 's information. 
I contacted them, on same days. They did not release any information, about the Creditor and Questioned my Personal informations. 
I did not release any information except my name. Because of Fraudulent activities which I have victimized, as a result of Data Breached, by " XXXX  Credit Management '' and " XXXX '' Transporation.
Consumer complaint received 2018-10-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (OH)

I signed up with XXXX XXXX XXXX XXXX to help me get control of my debt. I am paying them twice a month and they are paying my creditors including the Payday Loan Company CheckSmart. They have been notified and will start receiving payments soon. However they are calling my work every day and harassing me and this is causing me trouble at work. I believe it is illegal to call people at work and harass them. The Payday Loan is CheckSmart at XXXX XXXX XXXX, XXXX OH XXXX ( XXXX ) XXXX, also known as XXXX XXXX. It is Loan number XXXX. Please stop them from calling my work.
Consumer complaint received 2021-12-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC (NJ)

I applied to a 1k loan back in XXXX the interest rate was high total pay back would be 7k total. I lost my job XXXX weeks after the loan, months later they want a whopping 8900 dollars with no end in sight accruing interest This company practices in predatory loan and needs to be shut down. It is illegal and needs a class action law suit against them.
Consumer complaint received 2024-02-06
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. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2019-03-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc. (LA)

Account was supposedly opened in XXXX. In XXXX I was advised that the property was seized from owner and was sold and the balance was cleared and that {$0.00} was owed for the property. Gm Financial agreed to remove collection via letter mail and via phone once payment was settled. To my knowledge payment was settled because a letter was received in the mail stating that the collection would be taken off of the credit file. It never happened. Company is falsely reporting debt that was settled years ago.
Consumer complaint received 2018-04-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I receive a letter from XXXX XXXX XXXXXXXX ( XXXX VA XXXX XXXX about a debt that I owed from XXXX XXXX XXXX of {$2700.00}. I called today XX/XX/XXXX and spoke with a collection repr. and asked if we could lower the bal as I have  an elderly parent who only receives social security and I support her. .She put me on hold and said they could reduce the balance to {$1900.00}. I said great. She asked what I could pay this month and I said {$150.00}. She asked for my routing no of my checking account. I told her I don't give out that info - I could mail in the payment or pay on their website She said that was not possible. She then asked again how much could i pay - could I pay another {$50.00} on the XXXX. I said yes. Then she said how much could I pay each month and I said {$75.00}. She came back with {$76.00}. I agreed to pay this by the XXXX of each month. Then she in her fast talking way says the balance will be the {$2700.00}. because I would not supply my checking account routing number and pay the {$200.00} today. I argued and then she puts another supversior on the phone and then another woman comes on and I went thru 4 women. I asked each one to put the {$1900.00} in writing and mail it to me - they refused.. They are all fast talkers - each tries to rewrite the payment arrangement and balance and harass me into giving my account no ... Its all on tape. I wound up hanging up. I was willing to mail the {$200.00} today and pay the {$76.00} by the XXXX of each month. THEY WANT MY CHECKING ACCOUNT NO AND DEDUCT THE PAYMENT. I WANT A BILL AND TO MAIL IT IN EACH MONTH..
Consumer complaint received 2022-10-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

Unfortunately I was a victim of fraud/scam action. My friend XXXX recommended me his mentor on XX/XX/22 we started having this conversation over XXXX XXXX about how he raised XXXX from investing XXXX into one of recommended platforms ( XXXX probably ). The XXXX account nicknames of him is XXXX  and his mentor who I sent money to is XXXX Since XXXX is my good friend, I believed him and sent his mentor an amount of XXXX through XXXX  which he put on XXXX website. Based on website I got XXXX usd raised in as little as 2 hours immediately. The platform asked me to upgrade to another level with a XXXX  of XXXX to my mentor, which I transferred again. Then, I got XXXX usd raised immediately again. Afterwards, they asked for a 5 % commission fee which I was supposed to send XXXX to the mentor fraud. Eventually wells fargo blocked my account since I exceeded the limit and only after that I realized he is a fraud/scam. I filed a complaint about my lost XXXX usd to wells fargo and could not file another one for my XXXX account in the maount of XXXX usd.
Consumer complaint received 2021-12-06
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: EQUIFAX, INC. (MI)

was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this. 


XXXX XXXX XXXX reporting inaccurate on Equifax and XXXX  inaccurate dates amounts payment status on my credit file please remove account the item was sold by the creditor and it was written as 100 % payment history current so why is it still reporting A collection or repo on my file. 

XXXXXXXX XXXX XXXX reporting inaccurate on all 3 bureaus please remove
Consumer complaint received 2024-02-06
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. (SC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-17
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. (MO)

This account was opened due to Identity theft I contacted the bank the bank sold the debt to XXXX XXXX so I contacted XXXX XXXX to get the item removed XXXX XXXX has refused to remove from my credit report and also to produce any documents showing that I owe this debt they can't show that I owe it because I did not open this account
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. 
My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2015 XXXX XXXX XXXX , XXXX, OH XXXX
Consumer complaint received 2021-09-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

No knowledge of account. I never received any notice and need this removed immediately due to FDCPA and FCRA violations... debt has not been verified or validated. Please remove at once. Strict violation of 15 USC 1692g. REMOVE AT ONCE.
Consumer complaint received 2019-05-24
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: EQUIFAX, INC. (NV)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX
Consumer complaint received 2019-10-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (TX)

Every year when my insurances on my home is due i pay it on time. never late. but every year i get a threat letter that Quick and Loan shows insurance expired. 

Threat to buy insurance an escrow my account. I can not give proof until i receive the documents back that i have insurance coverage. 

But every year same threat letter stated our records show insurance has expired. Its renew every year! 

Sick of the threat letters of legal action.
Consumer complaint received 2021-12-06
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. (PA)

I recently pulled my Transunion Credit Report and discovered some fraudulent accounts had been reporting in my name. Accounts that I have no knowledge of, never done business with the originator or the collections agency. I have contacted Transunion again via written certified letter and asked to provide me information that the have the helped them come to conclusion and determined/ verifed that this debt from this particular company, " XXXX XXXX XXXX XXXX partial account # XXXX '', belongs to me. I have sent them police reports and copies of my ID and an old lease of residence of where I was living when the theft/fraud occurred resulting in this account being opened. XXXX XXXX has not contact me about this debt, Transunion is the credit bureau that is reporting this fraudulent account. 

Years ago I was a victim of severe ID theft and still to date I'm delaing with someone who still has my personal information and trying to obtain credit in my name. 

I have attached the new police report I filed this year
Consumer complaint received 2021-12-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: American Credit Acceptance, LLC (TX)

I bought a car on XX/XX/XXXX and the engine blew out XXXX month later on XX/XX/2021 and I had a warranty purchase from the dealership added to the car to cover the engine the guy at the dealership who sold me the car tell the warranty people that only thing was wrong with the vehicle was that it needed a timing belt for the engine so the warranty people pay him for it the guy at the dealership told me he could not fix the vehicle after he received the money from the warranty people and cash the check he kept the money and didn't repair my car his excuses that there is more maintenance to be done on the engine so I called the warranty people and they told me they had explained that into details with him that he was not supposed to send off the invoice into the carpet was completely fixed the dealership told the warranty people that the car was completely fixed and ready to go that was on XX/XX/2021 today is XX/XX/2021 and the vehicle still have not been fixed. Then I spoke with the American Credit Acceptance who he transferred the loan to after the car was broke down I asked them what do they need me to do because now I can not make the payments because I don't have any reliable transportation to make money they told me they want to settle out the car but in order to do that they need the guy from the dealership to give them a printout of the total amount of repairs and labor that is going to cost to get the car fixed he refuses to do that and continue to hold the car and is not being fixed
Consumer complaint received 2021-12-06
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. (FL)

XXXX XXXX  is wrongly reporting an account on my Equifax Credit File. XXXX XXXX Account ending in XXXX is a closed account and was charged off nearly 4 years ago. If the account was closed and charged off nearly 4 years ago then the balance should be " 0 '' and not {$1200.00}, nor should it be reporting monthly.
Consumer complaint received 2018-08-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

I have been working for many, many months in an attempt to get a loan modification with Bayview Loan Servicing. Originally my loan was with XXXX XXXX XXXX and I was almost through the loan modification process when the it was acquired by Bayview.. I have been trying to get my loan modified with them for about a year now. Their course of action seems to be stall, stall, stall. My first asset manager was somewhat responsive. at least he would return calls and send emails with information or requests for documents. But somehow he disappeared and it was weeks before I knew he was no longer assigned to my file. I now have another asset manager but he never returns phone calls. Several have been left for him over the course of the last several weeks but we almost never hear back. I have received no updates on the status of my loan modification request in recent weeks. I know something is happening as I received an appraisal on my home, but no updates at all on where we are in the process. I want to keep my home.