davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-04
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: EQUIFAX, INC. (IL)

On XX/XX/2024 I wrote to you requesting an investigation into items that I believed were inaccurate, and falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting
Consumer complaint received 2020-12-15
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. (MD)

Experian is continuously reporting inaccurate erroneous information on my credit report i have asked them on numerous occasions to correct it and they have refused to stating that it has been verified through XXXX i have attached a copy of my XXXX report and it does NOT reflect a bankruptcy being reported on there
Consumer complaint received 2018-04-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (GA)

Spoke to two different representatives from XXXX XXXX XXXX XX/XX/2018 as well as XX/XX/2018 about financial hardship due to medical issues which does not allow me to work or make payments to the alleged account. They asked what my medical issue was which is an invasion of my privacy. Per the policy on their website, " We suspend collection activities when a consumer demonstrates that he or she is experiencing significant financial hardship due to medical issues. '' I read their policy to them with exact verbiage and offered to send in documentation if needed and they refused to accept those and offered to place the alleged account on hold. However, that is not their clearly stated policy and the representatives were rather nonchalant to the policy they clearly uphold on their website.
Consumer complaint received 2018-04-20
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: TD BANK US HOLDING COMPANY (GA)

XXXX client, XXXX XXXX is a victim of identity theft. He was notified by TD bank of a fraudulent account established with his information without his consent. His information was used to forge a check ( or several checks ) for a total of {$1000.00} dollars. A formal dispute of this account ( s ) was faxed to TD Bank XX/XX/2018 however as of this date TD Bank has failed to reply with an outcome of the investigation of fraud ; which is a violation of the FCRA and my clients federal consumer rights.
Consumer complaint received 2022-07-23
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: Experian Information Solutions Inc. (IL)

I just got an updated copy of my credit report and there are some hard inquiries that I dont recognize. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2018-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX keeps touching my credit about every 2 weeks and causing my score to continuously drop. Drop allot. They are adding remarks, then removing them. I call and they have no knowledge of this or do not know how to handle it. Or they don't see a record of my calls etc. They are ruining things for me and should not be adding remarks every 2 weeks. Also stating I am in a natural disaster and then calling me, emailing me for payment and have no record of this natural disaster, was never asked about it or to enroll in it. They do as they please with my loans and credit score. I get nowhere calling. They keep losing record of calls and info.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (NJ)

I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.
Consumer complaint received 2022-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (CA)

I never had a account with " Midland Finding. '' Don't know them and never heard of them. It's for {$1100.00} dollars. 

I would like to have this removed immediately. 

Thank you!!
Consumer complaint received 2021-09-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (NY)

This complaint involves Synchrony Bank. 
1. A/C No. XXXX -- XXXX XXXX store card. Balance as of XX/XX/2020 -- {$810.00} -- - Because of twodeaths in the family my obligations increased. Added to this is the collapse of my XXXX XXXX XXXXs. I am forced to be a XXXX XXXX  now. 
I requested breathing space. But Synchrony Bank continued calling at odd hours resulting in no peace in the family. 

2. The second obligation relates to Dentist Services financed by Synchrony Bank. 
The Account No. is XXXX -- Balance {$500.00} to {$600.00}. 
Synchrony Bank was informed that I understand my obligation but I need breathing space and time. Still Sunchrony  Bank keeps on calling at odd hours.
Consumer complaint received 2022-07-23
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: EQUIFAX, INC. (NV)

I sent letters to equifax disputing accounts that does not belong to me that have not did anything about it I sent letters in XXXX of 2022 as well as XX/XX/2022 and XX/XX/2022 2022
Consumer complaint received 2015-06-02
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY (IL)

XXXX from the University of XXXX in XX/XX/XXXX. In XX/XX/XXXX I was diagnosed with a XXXX. Working as a regional airline pilot during time of medical leave we are not paid. During this time I was unable to pay my extremely high student loan payment of {$1000.00} a month. After contacting the lender they offered no assistance with lowering or modifying the payment to become affordable while on medical leave. With this the loan went into a state of past due and has damaged my credit to the point where I can not get approved for other consolidation loans to fix this issue. Wellsfargo also stated that I can not receive a loan modification because my co signer and myself still meet the requirements for a loan with them. However we were recently denied a request for a new consolidation loan with them. Making less than {$20000.00} a year a minimum payment of {$1000.00} should be restricted.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

To whom it may concern, Im am reaching out because, The Fair Credit Reporting Act 15 US Code 1681 section 602 a states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers rights to privacy. Equifax, and XXXX are consumer reporting agencies and I am the consumer. I exercise my right to make certain that my private information isnt shared which is backed by 15 US Code 6801 which states, It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information.

15 US Code 1681 ( e ) reads, Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under 1681 ( b ) of this title. 

Under 15 US Code 1681 ( 2 ) ( A ) ( i ) Exclusions : Reports containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal.

In addition to that, 15 US Code 1681 ( a ) ( 5 ) says, except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ; Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. This account is an adverse item they are reporting again without my permission which is against the law. 

XXXX XXXX is a financial institution by definition under 15 US Code 6801. 15 US Code 1681 section 604 ( a ) section 2, says, in general, subject to subsection c, any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : In accordance with the written instructions of the consumer to whom it relates. XXXX XXXX, The financial institution does not have my consent to furnish this information and does not have my written consent. All consent to Equifax, XXXX, XXXX XXXX wether it be verbal, non verbal, written, implied, or otherwise is revoked. Under 15 US Code 6802 ( B ) and ( C ) states a financial institution may not disclose non public personal information to a non affiliated third party unless - the consumer is given an explanation of how the consumer can exercise that non-disclosure option. XXXX XXXX never informed me of my right to exercise my non disclosure. 

Equifax and XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 states, A consumer May exercise the right to opt out at any time. I am opting out of your reporting services as of now.
Consumer complaint received 2021-10-22
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. (NC)

I sent TransUnion a certified letter in reference to unauthorized inquiries on my credit report. I requested they send me documentation of my wet signature as I did not make the inquiries. Instead of completing and investigation I was sent a letter giving me an explanation of inquiries on my credit report ( letter dated XX/XX/2021 and I received it XX/XX/2021 ). I DID NOT request an explanation of inquiries on my report.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I've been getting in touch with Experian and XXXX by phone and letters about the wrong address that is showing on my credit report several times since XX/XX/2021 I sent out several letters to Experian and XXXX with a copy of my SS # and driver 's license with the correct address so it would be easier for them to remove the wrong addresses that appear on my credit report. 
When I contacted Experian by mail starting in XXXX XXXX XX/XX/2021, I never received a letter in return explaining or verifying the wrong address on my report. 
I then started to call Experian to dispute the address and the employee insured me that they would fix the problem and now we are in XXXX and the wrong address is still appearing on my credit report. 
I would really appreciate if we could get this resolved
Consumer complaint received 2017-03-29
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (MN)

I recently visited my Safe Deposit box looking for the title to a car I was selling. I found XXXX old Cds ( 1993 XXXX ) that I had forgotten about. I tried to cash them out at the bank ( now Wells Fargo ) and was told that they had no record of the CDs. I contacted Wells Fargo and was eventually told that they have no record and I was out of luck. I contacted the MN attorney Generals office. They went back and forth with correspondence on my behalf with the bank. As of XX/XX/XXXX Wells Fargo told me and the Attorney General the same thing that they had no record and even though the CDs are n't signed that they were not responsible for them. 
The Attorney General 's Office suggested that I contact you to file a complaint. So that 's where we are. I have photo copies of everything including the original receipts for the CDs. 
The original total of the XXXX CDs is {$4000.00}. They say right on they will automatically renew at maturity unless I notify the bank otherwise.
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CHARLES SCHWAB CORPORATION, THE (CA)

I had an issue with Schwab Bank getting a debit card charge processed. After three phone calls to Schwab the charge was finally processed on XX/XX/24. Today, XX/XX/24, Schwab Bank took the money ( {$5900.00} ) from my account again. I spoke with a team lead at Schwab Bank earlier today who indicated it could take 90 days for Schwab to return my money, which is totally unacceptable.
Consumer complaint received 2021-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: E MORTGAGE MANAGEMENT, LLC (SC)

My mortgage is relatively new having been issued by XXXX XXXX XXXX  and transferred servicing to EMM Loans, XXXX XXXX That location did not timely process payments and I do not know the interest wrongfully charged. Now last month the loan was transferred to EMM Loans LLC in Texas and it is a disaster. A payment was made XX/XX/XXXX via my bank online payment system. On XX/XX/2021, the payment was returned to my bank saying the loan could not be identified!. On XX/XX/2021, my back redid the loan payment and the second payment while finally acknowledged by EMM Loans has a receipt date of XX/XX/2021, and after a call to EMM Loans and a very lengthy weight I was told on XX/XX/2021, the loan would be credited the next day XX/XX/2021. That did not occur and now, I have received the attached statement dated XX/XX/2021 demanding double the mortgage payment. Please note EMM actually received payment on XX/XX/2021 and returned it! Now, who knows what is going on with the second payment EMM has and has not returned. This is beyond bad servicing it is illegal and after months of sheer XXXX with EMM and countless hours spent trying to get EMM to get its act together with my mortgage, I am having no success and EMM is getting worse. What damage will EMM do my credit?
Consumer complaint received 2024-05-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Pendrick Capital Partners (OR)

XXXX Capital Partners has not responded to inquiries to their email address. 

A prior credit collection firm of Pendrick Capital Partners is named on their single-page notice, and it has never contacted me. 

The provider of the service, XXXX XXXX XXXX, has never provided a statement to me.
Consumer complaint received 2023-01-25
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: DriveTime (MO)

My phone was stolen an someone decided to apply for different credit cards an sign up for things that I know i wouldn't get a approved for my ID copies of my social where in my phone so all my information was compromised an I've called several companies to let them know I never applied for a credit card loan or nothing eles am nothing has been done I don't need all these extra things on my credit when I'm trying to establish my credit I Need help getting this credit cards an loans I never applied for off my account asap
Consumer complaint received 2018-05-11
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: Credit Plus Inc (TN)

Too many HARD PULL inquires .... I applied for a VA refinance their should have only been ONE Hard pull not Eight as it appears ....

This complaint -- inquiry is only about the refinance on my VA mortgage ... .. and no other credit ( Hard Pulls ) for other mortgage or credit cards ... ..
Consumer complaint received 2021-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (TX)

XXXX XXXX informed me I do an excellent chance of receiving a credit card from Discover with a deposit. A credit card to improve my credit. My credit history very good. The evidence is I was late to pay Discover, but I paid every debt to Discover I owed to discover. The evidence is Discover will earn money by giving me a line of credit. Discover will be paid. Discover denied me a line of credit inappropriately. My credit score was negatively effected.
Consumer complaint received 2022-07-23
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. (MD)

I sent a letter to Experian stating this was not my account mistaken identity and false credit reporting by Experian. It's already been closed but they are refusing to remove it from my credit report. XXXX is the company.
Consumer complaint received 2022-07-23
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. (MI)

I sent letters to all three major bureaus the date of the last letter to Experian was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. I am starting to question the capability of this bureau on their investigation. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX XXXX XXXX XXXX Balance - XXXXXXXX XXXX XXXX XXXXI XXXX Balance - XXXX XXXX XXXX creditor XXXX XXXX XXXX XXXX Balance {$410.00} XXXX XXXX XXXX XXXX  Original XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance {$110.00} XXXX XXXX XXXX Original creditor MICHIGAN XXXX XXXX XXXX Balance {$510.00} XXXX XXXX XXXXL Original creditor XXXX XXXX XXXX XXXXXXXX XXXX Balance {$140.00}
Consumer complaint received 2016-10-05
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

THE CITIZENS BANK ON XXXX XXXX AND XXXX XXXX WHICH IS LOCATED AT XXXX XXXX XXXX XXXX. THE MANAGER XXXX IS VERY DISRESPECT TOWARD ME THIS IS NOT THE FIRST TIME. I CAN NOT CONTINUE WITH THIS BANK WHICH IS CLOSE TO MY HOME AND I DO NOT LIKE GOING IN THERE.
Consumer complaint received 2023-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

This company has illegally obtained my personal information from a company without consent of the consumer in order to sell personal private information. I have disputed this account and have not received any information that has verified accuracy. The reporting status violates this company not sending me a 1099-C form and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False Claims Act, please cease and desist all communication in regards to this account to this account. I have not received the accounting on this account which is unfair practices 15 USC 1692f. Please deleted account from your records.
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I sent letters to all three major bureaus the date of the last letter to Equifax was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. I am starting to question the capability of this bureau on their investigation. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance {$110.00} - XXXX Balance {$0.00} XXXX  XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXXS XXXX Balance {$0.00}
Consumer complaint received 2016-12-08
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: LendUp Loans LLC (CA)

In XXXX 2016, a check was sent to Lend Up ( dba Flurish , Inc. ) to pay off my installment loan taken out in XXXX 2016. The check was for approx {$300.00} more than was owed. Since then, I 've waited patiently for the refund of the overpayment. I have emailed their help desk and received canned responses with no concrete info given on the whereabouts of my refund. I 've also called twice and spoke to a manager who said within the next week, I 'd be receiving an email asking to have my address confirmed so they can make a check within the next 60 days. No email was ever received. That was 3 weeks ago.