davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-23
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: Resurgent Capital Services L.P. (NJ)

I have these accounts that are not mine and i want them to be remove. 

1. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

2. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine.
Consumer complaint received 2021-12-14
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. (NY)

This is XXXX XXXX who is submitting this CFPB complaint myself. This account is reporting late as reported in Experian. Lets correct this immediately. Experian is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 

( XXXX XXXX XXXX )
Consumer complaint received 2021-08-26
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: WELLS FARGO & COMPANY (FL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-04-17
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. (GA)

I am in violation by equifax XXXX and XXXX  by being ignored constantly. I will continue to send in disputes until i recieve an answer. Yes I XXXX XXXX authorize all three bureaus to investigate my credit report.
Consumer complaint received 2023-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (FL)

I have disputed these debts with XXXX, XXXX and XXXX 2 times without success in XXXXXXXX  & XXXX The following collection : Amsher Collection Serv {$150.00} They never answer my dispute do not agree with the answer since they are not my collections.
Consumer complaint received 2021-08-26
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: AMERICAN EXPRESS COMPANY (FL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (NY)

On XX/XX/XXXX, BBVA was supposed to transition Simple bank customers. They told us to write down our account numbers and that on XX/XX/XXXX we would be able to log in. 
On XX/XX/XXXX the log in was down. On XX/XX/XXXX the log in was down. On XX/XX/XXXX I spent 2 hours ( one call beginning at XXXX and lasting 59 minutes working with XXXX. Then my call was disconnected with no explanation. I called back at XXXX and was on the call with XXXX who said she had reset the account and was sending me an email with log in information. I asked for her to give me the log in information and she said it had to be sent in an email and I would receive the email in 5 -10 min. That call lasted 1 hour and 3 minXXXX ( XXXX ) It is now an hour later and I have not received an email and still can not log into my account.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HYUNDAI CAPITAL AMERICA (FL)

These accounts are hurting me. They are not verifying my personal information and are giving me incorrect personal information. 

I need it removed from my credit. 



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 2023-07-05
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: Amsher Collection Services, Inc. (GA)

I noticed 2 accounts reporting on my credit report erroneously. I have written both companies asking for a contract with my wet signature and to no avail have either company supplied me with an original contract with my wet signature. It has been 45 days since I've called and written these companies and there has been no response they are supplying this information to XXXX, XXXX, and XXXX. These illegal reportings are hindering me from becoming a homeowner. Please investigate these companies.
Consumer complaint received 2021-08-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-08-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Total Card, Inc. (MI)

On XX/XX/XXXX, XXXX, XX/XX/XXXX, & XX/XX/XXXX of XXXX I have sent out four rounds of dispute letters to the 3 credits bureaus in efforts to dispute inaccuracies on my credit profile in addition to the creditors. The debt keeps coming back as verified with absolutely no proof sent to me. The credit card company are sending statements in efforts to convince me that the debt is mine. I have asked for fraud affidavit, etc. I completed the fraud affidavit as requested and still the issue has not being resolved. The company continues to ignore my request for proof to validate the the debt belongs to me ( contract, promise to pay, etc. ) I've requested several investigation however, the issue still persist. Also, the company is taking longer than 30 days to reply to my request. The debt is causing harm to my credit profile and score. I can not get certain jobs or apply for certain lines of credit due to this issue. In addition to this, I have stated numerous times to the company that this is not my debt, I have never owned a credit card with this firm. This account was opened without my permission and I have no information on who, what, when, and where this account was opened. The company refuse to help! I need help.
Consumer complaint received 2022-07-06
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. (CA)

I sent a letter on 3 credit bureaus to remove the unverifiable items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$5000.00}, XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXXXXXX XXXX Date XXXX XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$1800.00}.
Consumer complaint received 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I requested my credit score on XX/XX/XXXX TransUnion file # XXXX I noticed that on my school loan from Dept of ED/XXXX  # XXXX Showed a high balance of {$6200.00} from XX/XX/XXXX to XX/XX/XXXX and {$6200.00} from XX/XX/XXXX to XX/XX/XXXX but that's not my balance. My balance is {$3600.00} since XX/XX/XXXX. My balance from XX/XX/XXXX to XX/XX/XXXX was {$3500.00}, {$3600.00}, {$3600.00}, nd {$3600.00} not {$6200.00} like my credit report shows. 

Also this account is almost XXXX XXXX XXXX. Shouldn't it have been removed from my credit report after XXXX XXXX years?
Consumer complaint received 2021-05-11
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. (NC)

I have received a copy of my credit report and it shows company XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$540.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2021-07-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

PORTFOLIO RECOVERY # XXXX has been attempting to collect a debt that I have requested several times to be verified due to the being unaware of where this is originating from. I have not received any mailed documents per my request and this is in violation of my consumer rights to confirm the debt.
Consumer complaint received 2021-05-11
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I applied for a mortgage with Wells Fargo Bank where I have been a customer since 2001. The mortgage was to finance an investment property I was trying to purchase. The loan number is XXXX. Property address is XXXX XXXX XXXX, XXXX XXXX. 

The loan officer collected {$600.00} in advance for a full appraisal. A couple of days later neither the realtors nor I was contacted to schedule the appraisal, but the loan officer advised the appraisal report is completed. That was shocking to me and the realtors as there was no appraiser sent out to inspect the property. I was then advised by my loan officer the appraiser did a desk review rather than a drive by or full appraisal. By reviewing the appraisal, the comparable properties used were solved over 7 months which did not factor in the current real estate market or in-person appraisal. The loan officer said there was nothing he could do to either have the appraisal reviewed or anything else. Needless to say, I had to cancel the purchase contract and withdraw my loan application because of the low value the desk appraiser assigned. 

I believe this is a misleading and deceptive practice because once I should not have been charged for a full appraisal of {$600.00} if there was going to be a desk review done only and charge {$420.00}. Also, I would not have applied with Wells Fargo if I knew they would not do a full appraisal and would not consider the current real estate market. 

Given the deceptive nature of their loan application process, I would like to be refunded all {$610.00} I paid for the appraisal and credit report upfront as they did not disclose any of this information upfront.
Consumer complaint received 2015-12-30
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (FL)

In 2014, I went to the XXXX Dealership to shop for a car, and they sent my credit report to several bank 's, which created multiple hard inquiries on my account. I did eventually purchase a car from them this summer, and specifically requested they would not send my information to several banks, as it seriously has set my credit score back. After reading about hard inquiries, I found that it may take up to two years for them to come off my credit report. This is frustrating me still, and my credit score is not improving by much, since the inquiries will not come off till XX/XX/XXXX.
Consumer complaint received 2022-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (CO)

After XXXX transferred my loan to Aidvantage, I proceeded to do my taxes. It wasn't until I received my 1098 that I saw that my loans were charged {$7700.00} in interest for 2021. My federal loans are supposed to be zero interest during the federal student loan forbearance. I'm not supposed to be charged this interest. My loans are in good standing. I should have this money credited back to my current loan balance. Since my loans are no longer serviced by XXXX, it was suggested that I make a complaint.
Consumer complaint received 2021-07-10
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)

My car was broken into and the thief took all of my wallet with all my identification information. Now trying to open accounts in my name. I did not request anything from these companies.
Consumer complaint received 2022-07-06
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: Experian Information Solutions Inc. (CA)

I sent a letter on 3 credit bureaus to remove the unverifiable items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$5000.00}, XXXX  XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX  XXXX XXXX Date XXXX XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$1800.00}.
Consumer complaint received 2021-05-11
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 Went to go purchase a house with my wife and and when we went to apply for credit I found out that I had alot of stuff on my credit report that didn't belong.
Consumer complaint received 2021-05-11
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: OneMain Finance Corporation (OH)

As of XXXX of 2020, my score went down for no reason. I was on a bankruptcy so that prevents me from open credit or anything so my credit score with XXXX  should of never been affected. All the other credit bureaus wasn't. I need that review because there is no need for me to raise anything because my score never dropped over 100 points for any reason. Please research.
Consumer complaint received 2024-03-12
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. (NY)

On XX/XX/XXXX I wrote to H.R., the Executive VP at XXXX stating that the credit reporting agency violated my rights as an American consumer by sharing my personal, non public information without my consent. 15 USC 1681 ( b ) Permissible purpose of consumer reports, clearly states that any consumer reporting agency may furnish a consumer report under the following circumstances and No Other. They need your written consent to add anything to consumer report if you did not give this authorization. There is also an exclusion, which states that reporting transactional data is, in fact, illegal. 15 USC 6802 ( a ) ( b ) Obligations with respect to Personal Information and 12 CFR 1022.3 defines Identity Theft as fraud committed or attempted using the identifying information of another person without authorization. Anything added to your report without written Consent is considered identity theft. 15 USC 1681 ( n ) Civil liability for willful noncompliance and in general ; Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of. ( A ) and ( B ). And finally the Privacy Act of 1974 ( b ) Conditions of Disclosure.

On top of that, there are multiple inquiries on my credit report that should not be there. 15 USC 1681 ( b ) Permissible Purposes clearly states that if the consumer does not have an open account with the lender that inquired, they have to remove the inquiry OR send the documentation that they used to verify the open account. I also requested that they remove any address listed on my report besides the one listed on my letterhead, for they are Non-Mailable addresses and should not be there. In my letter I clearly stated that This information was obtained unlawfully and failure to act would make them liable. This letter was sent in XXXX, it is now XXXX, and in their response they claimed that they can basically do whatever they want and no changes were made to my report. This gross negligence has caused immense damage to my quality of life and has hindered my ability to pursue happiness. Willful non-compliance can easily be proven with record of the original letter, their written response, and their failure to comply. I request IMMEDIATE action to remedy this violation of my consumer rights.
Consumer complaint received 2021-12-14
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. (MO)

XXXX is still adding interest and fees to my student loan account. They had charged me interest on a student loan that was supposed to have ceased during the pandemic. I never agreed to have them as my loan provider. They have illegally added fees to my account. I have written and complain about the illegal fees added to my account. They have constantly illegally continued to contact me when I ask them to cease contact. If there is another department that I can file a complaint with please let me know. Now the balance has risen and the amount of the allege loan is more since I filed a complaint against them. My credit scores went down and my auto insurance went up. These dirty companies has constantly illegally affect my credit scores.
Consumer complaint received 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting Act XXXX BANK DELAWARE XXXX has violated my rights. 

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 an account without my written instructions.
Consumer complaint received 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

Equifax is reporting outdated inaccurate and incorrect information on my credit report. 
I have contacted XXXX and Equifax numerous times and disputed this information. 
They say that the information is verified with no explanation of where they are getting this information or why they continue to report it. 
They refuse to delete it as asked. 
The account has been closed, outdated and, exceeds the statue of limitations. 
All XXXX accounts they are reporting are over 20 years old.