davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-01
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: LEXISNEXIS (GA)

I AM REQUESTING A SECURITY FREEZE ALONG WITH BLOCK ON ALL ACCOUNTS. 

XXXX XXXX XXXX XXXX XXXX US DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX INQUIRES : XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2018-08-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (MO)

Got a letter saying I owed {$14000.00} on XX/XX/XXXX. After calling found out it was from XXXX. I filed bankruptcy in XXXX this said account should have either been discharged or frozen until after my chapter XXXX bankruptcy ended. XX/XX/XXXX my bankruptcy ended I never got any bill from account holder. Now 6 months later they are either trying get money from an account discharged from my bankruptcy or mishandled my account during my bankruptcy. I want this account withdrawn as it goes against federal bankruptcy laws! They should have by law sent me a bill to resume payments not sent it straight to collections.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

Attached data. Experian ( as one example ) shows no payment amounts being paid when I clearly have been making payments. Monthly. Sometimes twice a month. Also, my balance is incorrect on all 3 credit bureaus which impact my credit utilization and I want to apply for a mortgage soon and I need that to be fixed. The credit card is paid off each month. It's bad enough that XXXX XXXX continues to keep my deposit and keep this as a secured card after four and a half years of consistent payments on Time payments and excellent payment history when I have a XXXX XXXX that gave me an unsecured card and increased my limit three times in one year. Why does XXXX XXXXXXXX refuse to return my security deposit and make this an unsecured card? They give me no explanation and I need an explanation that is clear and accurate. I also need payments that I made to be reported accurately on time and balance has to be correct.
Consumer complaint received 2018-08-20
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: LoanCare, LLC (FL)

My EX-WIFE used my name, social security, personal finance information ( she would have had access to because of current alimony modification court proceedings ), to ATTAIN A " JOINT '' XXXX   XXXX REFINANCE on HER home. I have no doubt she forged my signature ; this is something she does repeatedly, to include on tax paperwork. 

I have contacted the company XXXX XXXX in XXXX XXXX ) and am disappointed thus far by their slow reaction. I have also contacted XXXX to have this person 's home removed from my credit. 

I even included my divoce decree which clearly stated that I have no liability, responibility or ownership of her home. This was XXXX years ago. I have not seen, spoken to or had ANYTHING to do with this woman in YEARS. I have a legal " no contact '' order against her. Yet now I somehow " jointly '' own a XXXX year refinance with her?! 

HOW can a loan company be this open to fraud, deception, and ID theft?
Consumer complaint received 2018-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (PA)

I've sent certified mail # XXXX received by Equifax on XX/XX/18 I've sent certified mail # XXXX received by Equifax on XX/XX/18 I've sent certified mail # XXXX received by Equifax on XX/XX/18 In which I have repeatedly stated that bankruptcy info listed in my credit report is inaccurate, I've also requested that Equifax provide all documents that Equifax is required under 15 USC 1681g to have hard copies of on file. If Equifax does not have the required documentation, Equifax is required under FCRA 1681i to delete the report. I've also cited FCRA 623 ( a ) ( 5 ) which states if Equifax can not validate the information it must be removed. I've also cited FCRA 609 ( a ) ( 1 ) ( a ) with requires Equifax to verify information through physical verification, each time Equifax has denied my request to provide physical documentation, and has instead cited XXXX as the source of their alleged validation, which is completely in violation of FCRA 623 ( a ) ( 5 ). I've also cited XXXX XXXX XXXX. XXXX, XXXX XXXX , Et Al., v. Equifax, where Equifax has violated the FCRA. On my credit report from Experian it shows someone used my last name, a different address and variation of my SS #, this is obviously why a bankruptcy is showing up on my credit report, which could be easily done by anyone.
Consumer complaint received 2018-05-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (VA)

I purchased a XXXX XXXX XXXX in XX/XX/XXXX. My loan was provided by Santander USA the payment was for XXXX interest rate of 23.6. The original amount of the loan was just under {$19000.00} which included the required warranty and GAP insurance. 

I learned that the maximum interest rate allow in Virginia is 15 % for loans with a principal balance over {$1400.00}. I have made roughly 40 payments totaling {$19000.00} give or take and my payoff is over {$20000.00}. I was able to pull a report which showed me that every payment aside of {$500.00} to {$600.00} went to interest. 

VA law stipulates that payments are to be substantially equal between interest and principal it also states that 60 months is the allowable time frame for loans and mine is for 81. 

Ive paid half of my loan by making 40 payments yet nothing has gone to the principal. I also learned that they started charging me late fees even before my first payment was do and continued adding the late fees. 

On XX/XX/XXXX I contacted Santander and let them know that I was unable to afford the loan and I was voluntarily surrendering the vehicle on the same day I turned in the vehicle tags and canceled insurance. The vehicle was then picked up around XXXX XXXX  on XX/XX/XXXX.  On XX/XX/XXXX I received a phone call looking to receive XX/XX/XXXX payment. As of XX/XX/XXXX I had my account up to date. I didnt have a past due balance aside of all the fees they kept tacking on which I was ensured I would not incur fees if I paid it on the back end. 

On XX/XX/XXXX I called and requested all the information regarding my account to include loan agreement, history, fees, payments and notes associated with my account. I also verified with the agent that my interest rate is 23.6 % well over the legal limit.
Consumer complaint received 2022-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I received an alert from XXXX XXXX ( under my XXXX XXXX credit card ). That there was an inquiry made on XX/XX/2022. It was made by XXXX XXXX XXXX XXXX XXXX. This was Not made on my behalf. I've already alerted TransUnion, and had them put a freeze on my credit file. They also urged, that I contact your organization to file a complaint. I also made a couple of attempts to contact XXXX 's ( which was uneventful ). 
Please Help.
Consumer complaint received 2022-03-09
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Persolve, LLC - Legal - Series 2 (TX)

On XX/XX/XXXX i applied for a car loan with XXXX XXXX loans, and due to the Pandemic and loss of employment i could no longer keep the car. I called XXXX where i received the vehicle and advised that i would need to do a voluntary repo for the car. I was advised to drop the keys off and they would let XXXX and they would contact me with the amount owed once the car was sold. 

The car was sold and i was advised their was no debt, I never heard from XXXX again until i noticed last year a debt from a company i did not recognize i tried to call the company and the number was disconnected. I disputed the autoloan on all three of my credit report in XX/XX/XXXX and it was removed from my credit. 

On XX/XX/XXXX a lawsuit against me was taken out and i was not advised by the court or XXXX that a lawsuit had been taken out on me until recently in XXXX of XXXX when a court reporter served me a notice saying that i was being sued by a company called Persolve Legal Group on behalf of XXXX since this time they've placed a {$15000.00} debt back onto my credit and still have not contacted me directly and tried to work with me on a feasible solution. They also used bad tactics by sending court documents to an address i no longer live and have not lived at for over XXXX by ensuring that they are able to complete a default judgement, this is predatory on their end and shows bad faith on the companies part. 

Their court case has been dismissed because they did not show up to court, i feel harassed for no reason.
Consumer complaint received 2022-03-09
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (NC)

I received a document from Financial Asset Management Systems. They requested that I send information about whether or not I owe the debt. I submitted documents by mail on XX/XX/XXXX to request information about the debt. The deadline was XX/XX/XXXX, which was a Sunday I have not received any written information about the debt. Further, it states that XXXX can not collect on the debt but they are trying to collect on the debt. This is concerning that this company is reaching out without having authority to collect anything. Further, it is not clear that the debt is even mine. I don't know if this belongs to me. The company 's name is Financial Asset Management Systems.
Consumer complaint received 2022-03-08
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)

XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XX/XX/2021 I called equifax about these unauthorized inquiries and customer service would not help and take care of the negative inquiries reporting to my credit report.
Consumer complaint received 2018-08-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (CA)

I paid this debt in XX/XX/2018 and was sent a paid in full letter by their 3rd party collection agency. I followed their protocol and waited the time period for the debt to be updated to all 3 credit bureaus as paid, however, it is still being reflect on credit as unpaid. I have sent numerous fax, made countless calls, and sent a certified letter to XXXX XXXX and Experian with the proof of the paid in full letter. I have disputed this debt several times with the credit bureaus and provided the paid in full letter as proof.
Consumer complaint received 2018-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (CT)

XXXX XXXX XXXX claims I owe XXXX to XXXX XXXX XXXX, the policy was canceled on XX/XX/XXXX. Prior to this, I spoke with a XXXX in billing, he was explained that a prior payment made by myself was returned and asked if I would have time to make replacement payment before policy cancels. He stated clearly I would have opportunity to make said payment before cancellation occurs, which I did not .... The policy then canceled shortly after on XX/XX/XXXX. Payment was mailed around this time in form of a XXXX XXXX money order, the payment receipt portion was discarded unfortunately. Lately, I've been receiving a number of calls from CCS ( XXXX XXXX XXXX ), reps were advised payment was sent and still attempt to collect on debt and or refer me to XXXX XXXX. I will not make another payment ... If original was lost in the mail, misplaced by XXXX XXXX or intercepted by wrong party then that is not my fault. XXXX XXXX rep did state I could make payment before cancellation, this could have been avoided, had that rep not lied.
Consumer complaint received 2021-05-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

XX/XX/2020 XX/XX/2020 I have tried informing the companies and credit bureaus of the account inaccuracies of them not being my responsibility and not my account, and have had to deal with harassing phone calls all day long and my wife has been too. Along with threatening voicemails of going to jail if not paid immediately. I believe they have not done the due diligence during investigation to delete these accounts off my credit report to reflect that. I have brought this to their attention numerous times within the past 6 months and it has caused my score to go from XXXX in the last 10 months
Consumer complaint received 2020-07-29
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. (NC)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from XXXX of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX {$12000.00} XXXX  XXXX {$380.00} XXXX  XXXX  XXXX {$770.00} XXXX  XXXX {$1300.00} XXXX XXXX {$10000.00}
Consumer complaint received 2018-08-20
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc. (NY)

Every day I receive threatening calls telling me to let XXXX XXXX know and that I must take action on his behalf. I do not know the person they are calling for. I do not know how they got my number. They call from various numbers in different states. They know they do not have the right person but keep harassing me and leaving harassing voice mails that I have saved. 

The have called from : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (NV)

A legal order was placed on the account ( belonging to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) from a XXXX XXXX XXXX XXXXXXXX and XXXX after they knew I was in bankruptcy. Wells Fargo Bank refused to give me any information and froze the account. The out of state legal order was for only about {$31000.00} ( documents are enclosed ) but the bank withdrew from my account over {$62000.00} ( documentation enclosed ). This order was an out of state order as the company and bank account were started and operated in XXXX only. This order was not domesticated in XXXX. Per XXXX  XXXX XXXX it is illegal to garnish or freeze accounts based on a foreign legal order. Moreover, per XXXX the bank must inform the account holder 30 days in advance. Also, the amount taken out of the account is not what the proof of claim ( enclosed ) said. 
I know there were precedents of this sort and XXXX XXXX  XXXX paid huge fines for doing just what Wells Fargo did to the above account. 
Wells Fargo refuses to give me information to clear the situation and the company XXXX for a month right now was not able to pay staff, medical insurance premiums and we have received eviction notice by the landlord. 
We are in a desperate situation and will be forced to shut down the company. What was done to us by Wells Fargo Bank is not only illegal by the rules governing these matters in the State of XXXX, but also shows the disregard they have for the customers. We have been a customer for 22 years.
Consumer complaint received 2018-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I am having issues with inaccurate information showing on my credit report my name show be listed as XXXX XXXX XXXX please delete all other variations. There are several numbers on file that are not mine please delete the following numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX I have never lived at the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2021-06-10
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. (TX)

EQUIFAX CONTINUES TO REPORT DUPLICATE ACCOUNTS EVEN AFTER REQUESTING REMOVAL MORE THAN ONCE AND NOW 4 MONTHS LATER!! 
ACCOUNT # XXXX IS 14 DUPLICATES FOR STUDENT LOAN THE ACCOUNT STATUS IS SHOWING " INDETERMINATE '' WHICH IS NOT CORRECT AT ALL. 

ACCOUNT # XXXX WITH NO COMPANY NAME WHETHER ITS COLLECTIONS OR ORIGINAL CREDITOR IS NOT BEING PROVIDED FOR WHICH ALSO HAS A DUPLICATE ACCOUNT BEING REPORTED ACCOUNT # XXXX WITH NO COMPANY NAME WHETHER ITS COLLECTIONS OR ORIGINAL CREDITOR IS NOT BEING PROVIDED FOR WHICH ALSO HAS A DUPLICATE ACCOUNT BEING REPORTED ACCOUNT # XXXX WITH NO COMPANY NAME WHETHER ITS COLLECTIONS OR ORIGINAL CREDITOR IS NOT BEING PROVIDED FOR WHICH ALSO HAS A DUPLICATE ACCOUNT BEING REPORTED ACCOUNT # XXXX WITH NO COMPANY NAME WHETHER ITS COLLECTIONS OR ORIGINAL CREDITOR IS NOT BEING PROVIDED FOR WHICH ALSO HAS A DUPLICATE ACCOUNT BEING REPORTED ACCOUNT # XXXX WITH NO COMPANY NAME WHETHER ITS COLLECTIONS OR ORIGINAL CREDITOR IS NOT BEING PROVIDED FOR WHICH ALSO HAS A DUPLICATE ACCOUNT BEING REPORTED 4 TIMES!! 

ACCOUNT XXXX ALSO WITH NO COMPANY NAME WHETHER ITS COLLECTIONS OR ORIGINAL CREDITOR IS NOT BEING PROVIDED THIS IS HURTING MY CREDIT RATING AND I DEMAND FOR AN INVESTIGATION AND CORRECTION AS SOON AS POSSIBLE! 

THANK YOU!
Consumer complaint received 2022-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : BK OF AMER Account Number : XXXX
Consumer complaint received 2018-08-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

Navient services some of my student loans, XXXX XXXX services the rest. Recently, I requested a revision to my payment terms because my income changed significantly. I did this via the Studentloans.gov site as requested. XXXX XXXX handled the situation immediately and revised my payment terms. To date, Navient has does not appear to even reviewed the situation and I have payments due, which I can not afford ( why I was requesting the revision in the first place ) in two weeks. They do not appear to know what is happening with my account, and calls to their customer service result in my being placed on hold multiple times why they 'review my account ', but they never seem to be able to resolve the situation. 

Navient has caused multiple problems because their staff doesn't appear to know what they are doing. They never sent a request for any information from me related to this latest request of mine, and now they are telling me to 'just send most recent proof of income '. Well, they don't know what, specifically, they want me to send and they can not tell me where to send it.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I, XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2022-03-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Accelerated Servicing Group LLC (MN)

ASG collections keeps calling my phone as many as 9 times a day for a XXXX XXXX. I am not XXXX XXXX and this is not his phone number. This has been happening for 2 years. I have requested many times for them to remove my number. I filled the request online with ASG to remove my number. The past week they are calling more frequently and even sent me text messages. This is not my debt and not the correct phone number. I so exhausted of all these calls. Please help.