davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-19
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Sequium Asset Solutions, LLC (CA)

XXXXEQUIUM ASSET SOLUTIONS LLC is reporting a wrongful erroneous collection on my report that is NOT mine .... SEQUIUM ASSET SOLUTI Account number XXXX Original creditor XXXX XXXX sold - Account type Collection Account Date opened XX/XX/2021 Account status - Payment status Unpaid Status updated XX/XX/2021 Balance {$440.00} Balance updated - Paid off 0 % My numerous attempts to resolve this issue with Sequium went either ignored, or they start calling me for collections harassing at work, home and relatives. However when I tried to pay to get this over with they told me they do Not have this account and I have to call XXXX but have no number or account for me to call, AND they keep reporting this account on my credit report. When I dispute this with the bureau, the process of harassing calls starts again ... this is rediculous and illegal!
Consumer complaint received 2023-07-06
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. (TX)

I am writing to dispute the following addresses. It does not belong to me. I never lived in these addresses and I was contacted by a collection agency regarding the accounts that are associated with these incorrect addresses. I also have no knowledge of obtaining any of the inquiries listed here. 
XXXXXXXX XXXX  Date of inquiry : XX/XX/2023 XXXX XXXX  Date of inquiry : XX/XX/202XXXX XXXX Date of inquiry : XX/XX/2023 XXXXXXXX XXXX Date of inquiry : XX/XX/20XXXX XXXX Date of inquiry : XX/XX/20XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/2023
Consumer complaint received 2019-04-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (NY)

My parent and I had settled a private student loan with the private student loan servicing company Navient in XXXX. Since the settlement, we had not received any further communication from Navient until recently XX/XX/XXXX from different sources regarding the information on the same accountXXXX XXXX XXXX is a third party debt collector who obtained unsolicited personal information on my co-signer and contacted them regarding a settlement that has already been resolved and paid in full and no longer owed for the student loan from an unknown company with the phone number XXXX. An additional source has obtained my personal unsolicited information claiming the same Navient account and debt have been forgiven as part of a class action suit from a company called XXXX from phone number XXXX who claimed to obtain my information from a Database. 
The company called and left an automated message regarding a class action lawsuit for my loan in which it has been forgiven. Upon further investigation, this was found to not be confirmed. 
I and my borrower have not opted in for any information from these companies and it appears our information has been compromised, misrepresented, illegally obtained or shared by Navient, in addition, to incorrect reporting to these companies.
Consumer complaint received 2019-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: ALLY FINANCIAL INC. (FL)

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2022-02-02
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: Experian Information Solutions Inc. (FL)

On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (CA)

My credit card statement cycle closing date was XX/XX/2023. I paid my entire balance off on XX/XX/2023. Wells Fargo charged me {$16.00} saying that I paid a day late. This is extortion and I want a full refund. When i called them to have it reversed because i paid 4 days before the statement closing date, they said the system wouldn't allow them to change it.
Consumer complaint received 2022-10-16
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. (KS)

Someone took out a student loan from XXXX XXXX in my name, SS #, BD, address. 
Have disputed multliple times with all XXXX major credit reporting bureaus. Comes back as accurate. I have never had a student loan in my life, I am XXXX years old. College this comes back to is XXXX XXXX XXXX XXXX in XXXX XXXX KS. Why would I go back to school now, at a college 3 hours from where I live, when there are two junior colleges here? 
XXXX XXXX account number in my name is XXXX The mail they have for me is XXXX which isn't mine. The phone number they have in my name is XXXX, which is no longer in service.
Consumer complaint received 2016-06-28
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Portfolio Recovery is harassing my family. The calls are constant. They call my XXXX year old mother who happens to have the same name as mine. They have even called in Sundays. My mother is sickly and it is horrible. I do not know how they got her phone number. Her number is XXXX XXXX XXXX. Now they are harassing my son who does not live with me. Hid phone number is XXXX XXXX XXXX. The number they called from is XXXX XXXX XXXX. I believe this has to do with XXXX XXXX when I lost my job. I was late on my payment. I finally made the full payment to XXXX XXXX and I believe it was {$400.00}. XXXX XXXX took the payment and after it was paid I was told by the representative that my debt had gone to a collections bureau the day before. One day before. It was paid with my XXXX account and this was about 5-6 years ago. I refuse to pay for a debt that I already paid for. Also, I do not want anyone harassing my mother or my son or anyone else including my employer. The calls are nonstop and from different phone numbers
Consumer complaint received 2022-10-16
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. (KS)

Someone took out a student loan from XXXX XXXX in my name, SS #, BD, address. 
Have disputed multliple times with all 3 major credit reporting bureaus. Comes back as accurate. I have never had a student loan in my life, I am XXXX years old. College this comes back to is XXXX XXXX XXXX XXXX in XXXX XXXX KS. Why would I go back to school now, at a college 3 hours from where I live, when there are two junior colleges here? 
XXXX XXXX account number in my name is XXXX The mail they have for me is XXXX which isn't mine. The phone number they have in my name is XXXX, which is no longer in service.
Consumer complaint received 2022-10-16
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. (FL)

The company keeps reporting that the three inquiries are legit and must remain on my credit report for two years after I advised them they where being fasley reported due to identity theft and fraudulent activity. I disputed this on XX/XX/2022 and on XX/XX/2022 it came back as verified and accurate no therefore no investigation was done!!! Im being violated clearly
Consumer complaint received 2020-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$500.00}, {$3900.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$500.00} -This is not my account. 


-- XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2018-04-19
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. (NY)

Please remove the following fraudulent inquiries from my Equifax credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (DE)

I am writing to request Ally financial to immediately send me my full refund check for my XXXX XXXX XXXX, Despite paying my account in full on XX/XX/XXXX, I still have a remaining balance owed to me. It is currently XX/XX/XXXX, and the XXXX business day timeframe promised has elapsed without me receiving the check. 

Over the past XXXX months, I have repeatedly called to inquire about my refund, to no avail. Even after being informed that delivery was switched from XXXX to XXXX Overnight, no supervisor has been able to provide me with a tracking number for my checks. Therefore, I demand that you send me my check immediately to resolve this issue.
Consumer complaint received 2021-10-19
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (MI)

I am in the process of a loan modification with PennyMac after Covid forbarance. They have sent the initial loan modification offer and the program they say it is " Veterans Administration ( VA ) Disaster Streamline Modification ''. ( You have qualified for a loan modification " Trial Plan '' under : Veterans Administration ( VA ) Disaster Streamline Modification. ) From what I saw and told them there is no program with that name. There is the VA Disaster Modification and a Streamline Modification. After about 20 minutes they still did not say what of the two programs it was but by some of the definitions they read off it seemed like a Disaster Modification. 
It seems they are being purposefully deceptive on what modification they are offerning.
Consumer complaint received 2023-01-18
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. (NC)

Experian has not fixed the problem on my credit report with the reporting of a 3+ year old XXXX account with no activity from me since XX/XX/XXXX when the car was repossessed to suddenly reporting as a recent late sometime in XXXX XXXX. I am in the process of applying for a mortgage and Experian 's errors in reporting have caused my Mortgage Fico 2 score to decrease XXXX points at a crucial time! All other things in my file remained positive and the same. My mortgage FICO with Experian went from a XXXX on XX/XX/XXXX to a XXXX on XX/XX/XXXX and XX/XX/XXXX ( see attachments ) .I worked really hard to raise my score paying off everything on my credit ( except this incorrect balance on the XXXX account ) and worked to build new credit, and it is extremely unfair that Experian dropped my score like this. I need this XXXX account to report correctly as NO RECENT LATES and revert back to being 3+ years old for lates/negative activity and need ALL my points back that were taken due to this error. This is a Experian reporting problem and XXXX has nothing to do with it so please stop initiating unnecessary disputes and just fix the account. This is my 3rd complaint due to incorrect reporting of this XXXX account, and Experian still has not fixed it. At this point, I will be escalating this complaint to the NC Attorney General and possibly court because Experian is violating federal law and my rights as a consumer to have accurate information reported and refuses to correct the error. XXXX is also reporting this as a recent few months old late instead of the correct 3+ old late, and I have initiated a separate complaint with them to fix the XXXX point drop they caused. XXXX also mistakenly changed the 3+ year late to one that was a recent 1 month late account, but I disputed it directly through them and also filed a CFPB complaint on XXXX and they corrected their error. The XXXX account now reports correctly again to a 3+ year old late on XXXX XXXX and I received all my points back when they corrected. 

I need Experian to fix this problem and also correct the XXXX account back to a 3+ year old late or DELETE this account from my credit. It is unreal that I still have to request that this be fixed when the error is very clear. Please fix this as soon as possible! My lease is over XXXX and I have to move but due to this error, I can't even get the mortgage I was planning to because my scores are no longer high enough due to this error. Also, interest rates are very high and this problem is making me have a lower interest rate if I could get a mortgage somewhere. I went from having a XXXX middle FICO mortgage score to now only a XXXX mortgage score! It's a huge difference, and I had to have at least a XXXX for the special mortgage program I was going to do. Thank you.
Consumer complaint received 2022-10-16
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: Consumer Collection Management. Inc (MO)

In Accordance to the Fair Credit Reporting Act 15 U.S.C 1681 Fair Debt Collection Practices Act 15 U.S.C 1692 Consumer Collection MN XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 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 states a consumer reporting agency can not furnish without my written consent 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. a debt collector may not communicate, in connection with the collection of any debt 15 U.S.C 1692 806 ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2023-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (NC)

Hello, I have changed my bank and have a new card. I can not add my new card to my old credit card account. It alway comes back with a problem and now I cant even add it. I hope that this makes sense. I can not even start making my payments because of this. I have tried to put in my other account about 4 times now. And I cant go to the bank because I week at night and I am only off on Sundays and sometimes Saturday.
Consumer complaint received 2021-10-19
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (NY)

On XX/XX/2021 I saw a new credit card on my credit report, which I never applied for. The account was opened inXX/XX/2021, with a XXXX Arizona address ( where I have never lived ). The card was opened with a limit of {$4000.00} and they had already used {$2900.00}. No inquiries appeared. That same day ( XX/XX/2021 ) I called the responsible company ( XXXX XXXXL XXXX XXXX XXXX XXXX , OR XXXX USA- XXXX ( XXXX ) XXXX ) and they stopped the card and is in the process of investigation. Also ( on XX/XX/2021 ) I called the 3 credit bureaus ( XXXX, XXXX and XXXX ) and put up a dispute. I called the police and they made a report to me on XX/XX/2021. The Responsible Company ( XXXX ) sent me an Identity Theft Victims Complaint and Affidavit that I completed and I will send it to them today ( XX/XX/2021 ).
Consumer complaint received 2021-10-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BMO Bank, N.A. (IL)

In XX/XX/2021, I submitted a Cashier 's Check ( $ XXXX ) to payoff the debt with BMO Harris and yet to receive a Lien Release Letter. I've reached out through email in XX/XX/2021 and received an apology and promise to resolve matter. Now we are in XX/XX/2021 and no resolution. 

After learning that the lien is on my property 's title on XX/XX/2021, I called Harris bank to inquiry on the matter. It went from you owe us money to we will have a letter to you in 72 hours and promise to escalate the process. After 72 hours has gone by, I haven't received the letter, constant back and forward with phone representative, then I decided to go speak with a branch manager, which didn't get me the letter that I requested. Only explained that the letter is at recorder 's of deeds. Contacted Recorders of Deed, nothing is found. Today, I'm being told that its going to take 10 weeks to get the letter of release. 
This type of action is unacceptable and has caused an inconvenience. They make promise and don't follow through. The fact of the matter, I sent the payment back in XXXX and I am getting the running around to get the required document that should have been in the system, if it take 10 weeks. Just for Harris Bank neglecting to process my payment in adequate amount of time this lean release letter should be in my hands today. 
I need help getting this matter resolve immediately!
Consumer complaint received 2018-04-19
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: CORELOGIC INC (GA)

On XX/XX/2018 I sent a certified letter to Credco Corelogic disputing 3 hard inquiries the company had placed on my credit report for XXXX XXXX. As I stated in the letter, I did not dispute the fact that I inquired to XXXX XXXX   on a possible mortgage loan. I was disputing that the inquiries were for pre-qualification purposes and was to only be a soft inquiry. I ask Credco to send me copies of the authorizations they had to place hard inquiries on my report. I sent them copies of the XXXX  report I had which clearly shows it was XXXX XXXX that they provided the reports to. I received a response from Credco stating they had furnished the reports to their client XXXX XXXX   and they represented they had permissible purpose. Yet they did not send me any copies of proof of authorization.
Consumer complaint received 2023-08-21
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. (FL)

XXXX Equifax To a lessor extent : XXXXXXXX XXXX XXXX XXXX Both XXXX and Equifax are NOT correctly reporting on citizens that pay off their credit card balances IN FULL every month. This can cause GRAVE damage to all Americans credit scores and can cause citizens to pay higher interest rates on ALL of their lines of credit. 

Real life Examples : My charges to XXXX XXXX vary in a given month, BUT, the balance is paid in full no matter the balance! 

Prior to ( XX/XX/18 ) Friday, my credit scores were XXXX. 

They dropped XXXX points, and when I complained, reporting the issue and giving XXXX XXXX  as a witness to my payment history, they lowered my score AN ADDITIONAL XXXX points, XXXX total. This due to me charging several home appliances and upgrades to my XXXX XXXX. 

Not only is this fraud, on a national scale, imagine the damage to US consumers! 
Lower score, resulting in higher monthly rates. 

I took this to XXXX XXXX, them knowing my payment history, and they themselves refused to up my credit line to reduce the ratio of debt to full line of access, even though they are responsible. 

Accidentally or intentionally, they as a whole entity, not sure of XXXX XXXX involvement, conspire to unfairly raise rates and improperly/intentionally report payment history resulting in fraudulent charges to all. 

Recap : Credit Bureaus using individual monthly consumers charges to lower their credit scores, despite not only a perfect payment history, but a payment in full every month for years history. Effectively destroying their promise and fulfillment of rewards by giving 1 % at the expense of irrepairable damage to consumers credit reports. 

All 4 companies are participating willingly. I notified all 4, 2+ times each. 

My recommendation : prevent customers credit card scores by mandates that Credit Card Bureaus add a balance in full, effective balance XXXX to all payment history ( ies ) If a balance is XXXX then XXXX then XXXX the next time capture, this should NOT effect a score if the balance is paid IN FULL on every monthly billing. 

Or warn retirees that pay their balances in full every month that they may need to send daily payments to their Credit accounts. 

Clearly the XXXX XXXX rewards program is a scam, along with the Credit Bureaus intentionally incorrect reporting.
Consumer complaint received 2023-08-21
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. (IL)

I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.