davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-05
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. (VA)

Remove this address asap, that you have inaccurately input in my credit. I have not lived or stayed in this addresses never. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address ID # XXXX
Consumer complaint received 2019-05-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GOLD KEY CREDIT, INC. (TX)

Hospital bill was placed in collection. I was approved for SSI and had Medicaid covered the charges. I spoke with the hospital in XXXX and again in XXXX giving them my Medicaid number and then again confirming the account had a XXXX balance. After both of those calls, I called collection agency to inform them of the status. They have yet to remove this from my credit report
Consumer complaint received 2020-02-25
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: EQUIFAX, INC. (CA)

On XX/XX/2020 I went to XXXX XXXX XXXX  in Downtown XXXX XXXX to start an application to refinance my home. After reviewing my credit I was denied immediately because of negative information on my credit. I did not apply or ever authorize any of these accounts to be opened under my name. I have never received or used any of these credit cards. I have never bought a vehicle from XXXX.
Consumer complaint received 2020-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2020 I went to XXXX XXXX XXXX  in Downtown XXXX XXXX to start an application to refinance my home. After reviewing my credit I was denied immediately because of negative information on my credit. I did not apply or ever authorize any of these accounts to be opened under my name. I have never received or used any of these credit cards. I have never bought a vehicle from XXXX.
Consumer complaint received 2020-02-25
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: Experian Information Solutions Inc. (CA)

On XX/XX/2020 I went to XXXX XXXX XXXX  in Downtown XXXX XXXX to start an application to refinance my home. After reviewing my credit I was denied immediately because of negative information on my credit. I did not apply or ever authorize any of these accounts to be opened under my name. I have never received or used any of these credit cards. I have never bought a vehicle from XXXX.
Consumer complaint received 2020-02-25
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: Experian Information Solutions Inc. (OH)

THIS IS THE 3RD TIME I HAVE HAD TO COMPLAIN ABOUT THIS ISSUE OF FRAUD ON MY CREDIT FILE!! MY NAME IS XXXX XXXX XXXX MY DOB XXXX MY SS # XXXX THERE IS SEVERAL FRAUDULENT ADDRESSES ON MY FILE PLEASE REMOVE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX OH  XXXX XXXX XXXX XXXX XXXX OH  XXXX XXXX XXXX XXXX XXXX OH  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MI  XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I was going to buy a car and I pulled up my XXXX XXXX, Experian  and XXXX  credit report found XXXX XXXX # XXXX, XXXX XXXX # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX Fraud Student Loans that were not open by me nor did I give anyone permission to use my name to take out a loan. I found addresses that do not belong to me as well on my credit reports.
Consumer complaint received 2020-02-25
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: Experian Information Solutions Inc. (SC)

THE ACCOUNTS LISTED HAS BEEN REPORTING AS DEROGATORY ACCOUNTS ON MY CREDIT FILE. THOSE ACCOUNTS HAS BEEN TARNISHING MY CREDIT AND I WOULD LIKE THEM TO BE COMPLETELY OF FMY CREDIT FILE. THESE ACCOUNTS HAVE PREVENTED ME FROM ACQUIRING NEW CREDIT AND I AM IN DISTRESSED THAT THIS HAS BEEN GOING ON WITHOUT MY KNOWLEDGE UNTIL I RECENTLY UPDATED MY REPORT.
Consumer complaint received 2020-02-25
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LDF Holdings, LLC (NJ)

I had taken out two loans with this company, one on XX/XX/XXXX for {$700.00} ( total paid in full plus interest {$1500.00} ) and a second loan on XX/XX/XXXX for {$1000.00}. During repayment for the XX/XX/XXXX loan,  I was counseled that in NJ lenders must be licensed by the state in order to offer loans to its residents and prohibit lending at an excessive interest rate. In addition, it is illegal to provide any loans at a rate higher than 30 % in NJ. I reached out to the company to inform them that because of their practice the contract is invalid and since I had paid {$820.00} in excess interest rate fees, I revoked ACH withdrawal for my XX/XX/XXXX loan since the company was paid more than full. In response to my letter dated XX/XX/XXXX, the company claimed that they have tribal law immunities and can collect on this debt and requested a settlement of {$240.00}, which I denied because they had already been paid {$820.00} in excess fees. I sent a follow up letter dated XX/XX/XXXX, in which I did not receive a response. On XX/XX/XXXX, I received an email ( which I clearly stated in my XX/XX/XXXX letter that I am only accepting communication through regular mail ), stating that my debt is 120 days in collection and will be reported to the credit agencies. This company has already been paid in excess and should not be collecting on this account. They also refuse to follow consumer 's request method of communications, ignore requests, and threaten to place an account which I more than paid their company for with the credit bureaus.
Consumer complaint received 2021-03-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

I have an escrow account through PennyMac. PennyMac failed to pay a Property Tax bill that was due on XX/XX/2020. PennyMac paid the bill after I called in and reported the missed payment, but I had to pay for the penalties for their mistake.
Consumer complaint received 2024-02-12
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. (IL)

XXXX XXXX XXXXXXXX Last reported XX/XX/XXXX {$930.00} Open balance XXXXXXXX XXXX XXXX XXXXXXXX Opened Account status Original creditor name XX/XX/XXXXXXXX  ( 4 mos ) Open - Individual Placed for collection XXXXXXXX XXXX XXXX XXXXXXXX I am not liable for this debt with XXXXXXXX XXXX XXXX XXXXXXXX, I do not have a contract with XXXX XXXX XXXXXXXX, they did not provide me with the original contract as i requested. 

XXXX XXXX Last reported XX/XX/XXXX {$260.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor Account status Original creditor name XX/XX/XXXX ( 2 yrs, 8 mos ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not liable for this debt with XXXX XXXX XXXX, I do not have a contract with XXXX XXXX, they did not provide me with the original contract as i requested.
Consumer complaint received 2023-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (TX)

Chase bank is blocking ALL avenues of communication to resolve freezing $ XXXX & even harassing us my mocking attempts to talk! 

My brother 's inquiry into his old acct had been mis-labelled " fraud '' ( by bank teller ) on my mother 's new checking acct. They froze my mom 's new acct. I submitted POA in order to resolve. Chase will NOT honor POA. 

Now Chase REFUSE to speak to any of us my mother-owner of acct my brother who wants to withdraw inquiry & is trying to eliminate claim of fraud or me -- I've gotten a Power of Attorney in order to speak for my mother, but Chase refuses to honor it Chase instead sends us on ENDLESS loop of call this dept who transfer & disconnect & /or say they can do NOTHING Finally a person from " escalation '' ( XXXX ext XXXX ) phones me & asks ME to verify myself -- since she called me & I'm tired of jumping thru hoops that DO NOTHING I say no. You can verify by calling me back. 

She does not call back I call her back & she refuses TO SPEAK TO ME TIL 3 MORE DAYS. 
That's just a control & HARASSMENT move to let us know they are in 100 % control. There was NO REASON to not speak to me & make me wait 3 more days while my mom has XXXX money for food & to pay bills. Her $ XXXX is frozen with NO AVENUE for resolution. Chase is just keeping her money & MOCKING our endless attempts to resolve this. 

Their whole strategy is to keep my mom 's money & NOT speak to any of us! 

Chase needs to open avenues of resolution not play control games to NOT speak to issue
Consumer complaint received 2019-09-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: MoneyLion Inc. (FL)

I made a payment of XXXX dollars towards my loan amount of XXXX dollars which was credited to my bank account. On XX/XX/XXXX I look to see if the amount has been processed and moneylion is showing I havent paid anything which is not correct my next payment is XX/XX/XXXX in the amount of XXXX dollars
Consumer complaint received 2020-02-25
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Paragon Subrogation Services, Inc (WI)

On XX/XX/XXXX my vehicle was in an accident, I was nowhere near the accident. I had just given XXXX a week before the accident. I was transferred in an ambulance to a hospital that had the equipment to help my XXXX. The hospital is an hour and a half away and I was there for three weeks with my XXXX son. The person driving went through court dates, he is now in prison. I got numerous letters from the company trying to come after me for the money. They sent me letters saying they were going to take legal action if I do not make the payment in full ( XXXX XXXX ), then I got a letter stating that my license plates were going to be suspended if I do not pay. I told them the one responsible for the accident has everything on his case. They said that since hes in XXXX  and cant pay then I have to. They stated that in  Wisconsin both the owner and the person behind the wheel at the time are both equally responsible. I accepted that, I tried working with the company ( Paragon Subrogation ). I gave them a down payment of {$400.00} and started the paperwork. The lady said she was going to mail me the installment agreement so I could have it notarized and that it would arrive Monday. Nothing came in the mail, I called back and told them I had not received the paperwork. The same lady said that she had not sent them out yet, that she was waiting for them to finish the installment loan agreement. During that same phone call she said its ready and that she was going to email it to me at that moment, she stated that it would be in my email within an hour. I kept checking my email during work and I received nothing. To this day I have not received the installment loan agreement and my license plates are now suspended. Im sick and tired of going in circles with this company. I need my vehicle for work and to take my son to his appointments. I work for a company that requires some traveling and if I loose my job then I wont have any money. What really gets me is that after I gave the down payment and they said they finished the installment loan agreement ( which I have not received ). They are threatening the driver, his sister, and his mother after I made the down payment and started the paperwork. They went out and contacted them through email, our question is how did they get their information? His sister lives in a totally different state and theyre going after her for {$18000.00}. We did our research and found out there are other cases exactly like ours that have complained and nothing has been done and none have been resolved. 
If they have the drivers case information and are already going after him for the money. Then why continue to harass me and threaten me for the {$18000.00}?
Consumer complaint received 2019-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NJ)

I have mortgage for my home with Freedom Mortgage. I pay this bill online with XXXX  XXXX XXXX bill paying service. I have been doing this for as long as I own the house ( approx. 10 years ) without one late payment.

Apparently Freedom Mortgage changed their mailing address again and since I automatically pay them through XXXX XXXX XXXX I was unaware that their address had changed. They said it was on a statement but I don't look that closely at a new address, just go online and paid it. It wasn't until I got the next month 's bill that I saw I owed for two months. That's when I called Freedom Mortgage and explained what had happened. The Rep was very nice, and explained to me about the address change and stayed on the phone with me until the new payment went through with their new address. A couple of days later I called Freedom to make sure they received it after verifying with XXXX  that it had gone out. Freedom said they received it but had already reported me to the Credit bureaus. I was very upset with them since this was my first late payment EVER. Which can be verified at any time with them. I called them and they told me that that's what they do and there's nothing else I can do about it. I am looking into changing my mortgage company. However, I'm asking for someone to please please look into this for me as I don't want my credit ruined. I've lost sleep over this and am hoping that someone can please help me
Consumer complaint received 2020-02-25
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. (CT)

I have 3 hard inquiries on my credit report that I do not recognize. I have not applied for any kind of credit since I received my truck loan inXX/XX/2019.

The 3 companies are : XXXX/XXXX  XXXX, OR XXXX  ( XXXX  ) XXXX-XXXXXX/XX/2019 XXXX  XXXX, FL XXXX  ( XXXX  ) XXXX-XXXX   XX/XX/2019 XXXX  XXXX, TX XXXX  ( XXXX  ) XXXX-XXXX  XX/XX/2019
Consumer complaint received 2018-05-08
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: SUNTRUST BANKS, INC. (TN)

I opened an account in 2003, checking at Suntrust, and they automatically added an overdraft protection line of credit. It was set up as auto-draft for repayment. They took out {$10.00} per month if it had been used to cover an overdraft. When I found this on the report, about a year ago, I went to the bank. It took them an hour to even find it since they don't do Overdraft LOC anymore and it was archived in their system. However, once I started trying to get it corrected or even removed, they bowed their back and said it was being reported correctly after almost 7 years. This bank in particular seems to take pride in telling customers NO. No one that I ever worked with is even there and no one can confirm or deny my allegations of auto-draft for repayment. This is hurting my credit and should be removed after 7 years in XXXX but it should have never been on the report. No one there is empowered to use common sense to evaluate my request but only say it is reported correctly. IT IS NOT. They have total control and are not going to be told they are wrong.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports.XXXX Inquiry XXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$770.00}, XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$2100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1400.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$950.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$710.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3000.00}, XXXX XXXX  XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$110.00}
Consumer complaint received 2020-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NM)

Wells Fargo Bank on XXXX XXXX in XXXX NM. Issue : I opened up 2 Trust accounts within 1 weeks time. At the opening, i made it DISGUSTINGLY CLEAR that the Trust mailing address is a PO BOX . The Kid at the Bank had to be told at least 6 times during our conversation/account openings, that NO MAIL IS TO GO TO THE HOUSE ADDRESS GIVEN. I told this kid, i am under contract with the USPS, no mail goes to that house address, only to the Post Office Box. The Banker kid claimed to comprehend and he told me he made a record of it so no mail goes to the house. To make the story short, the Bank has been sending Mail and Checks to the house address, that was forwarded back to the USPS and back to the Bank. When i received 1 letter from the Bank, which was returned and then shipped to the proper PO, i called the Bank to fix their error. The Bank on XXXX XXXX refuses to get a Manager when i demanded 1, this has happened 3 times on 3 separate occasions via Phone. Everytime i demand a Manager to address this issue, they forward the call outside of the bank. I found out through Wells Fargo Corporate that my Checks were sent to the wrong address as well as Account documentations. I filed a complaint with Corporate. I told them to call me after XXXX. Corporate called me around XXXX, several times. I called them back 2 times, only to be told the " Case was dropped ''. So, i paid for Checks and to date, never got them and have not gotten ANY type of letter or documentation from the Bank about whats been going on. I also had to make a Stop Payment, so my debit card was placed on freeze and i was told they would contact me once the issue is resolved. Its been 2 weeks and i have not heard a word and i still have this Bank Card that is not usable. Keeping this short, i addressed this Address issue 4 times and Today ( XXXX ) i get an email from Wells Fargo saying they changed the Address of both Trust Accounts ... ..the address they listed was the WRONG ADDRESS AGAIN!!! This is the 5th Time now they have messed this up. I have experienced nothing but complete and utter incompetence from Wells Fargo and its employees. They listed the House Address for both Trusts. Needless to say, i am closing my accounts ASAP.
Consumer complaint received 2020-09-15
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (AZ)

company updated account but still show many errors according the FCRA. 
I will be uploading my Transition credit report to show the payment history errors that prove my case. 

To Whom It May Concern : I pulled a copy of my credit report and found the XXXX XXXX payment history is inaccurate, inconsistent & incomplete.l request that you deleted this item of my credit file and send me an update copy of my credit report. 

From, XXXX XXXX
Consumer complaint received 2020-02-25
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: WELLS FARGO & COMPANY (CA)

I AM VICTIM OF AN IDENTITY THEFT, AND THE COMPANIES THAT REPORTING ON MY CREDIT REPORT ARE FRAUDULENT. JUST BECAUSE ITS XXXX  AND BIG COMPANIES IT STILL GIVES THEM THEM NO RIGHT TO REPORT FRAUDULENT INCORRECT INFORMATION ON MY CREDIT REPORT. I HAVE BEEN REACHING OUT TO THEM FOR MONTHS, I HAVE REACHED OUT TO THE CREDIT CARD COMPANIES AND THEY CANT FIND ME ON YOUR DATABASE, BUT YET THESE 2 ACCOUNTS ARE NOT REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2020-02-25
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: Resurgent Capital Services L.P. (VA)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2020-02-25
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: Choice Recovery, Inc. (VA)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2020-02-25
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. (CT)

I have 3 hard inquiries on my credit report that I do not recognize. I have not applied for any kind of credit since I received my truck loan inXX/XX/2019. 
The 3 companies are : XXXX/XXXX XXXX, OR XXXX ( XXXX ) XXXX-XXXX XX/XX/2019 XX/XX/XXXXXXXX, FL XXXX ( XXXX ) XXXX-XXXX XX/XX/2019 XXXX XXXX, TX XXXX ( XXXX ) XXXX-XXXX  XX/XX/2019