davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-03
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. (GA)

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 2023-08-03
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. (CA)

My credit report shows late payments to XXXX XXXX XXXXXXXX XXXX XXXX & XXXX - XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.
Consumer complaint received 2020-06-05
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. (GA)

I went to buy a jet ski for my daughter for the summer, but in order to get it financed my credit had to get pulled. I found a fraudulent bankruptcy and couple of inquiries that are not mine. Please remove these things from my report. ChapterXXXXBankruptcyDismissedXXXX
Consumer complaint received 2020-09-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Yamaha Motor Finance Corporation USA (NY)

On XX/XX/2020 I submitted a complaint with your agency # XXXX. You submitted the complaint to Yamaha financial services on my behalf. They gave a response and promised to refund the unlawful fees they charged and to contact me to help me set up auto payments. I have not heard from them nor have they refunded my money. They promised to do this in 3-5 days. It has now been almost two weeks. Please help me with this. I am frustrated and I feel they are stealing my money and told you what you wanted to hear but never acted on it. Thank you for all you do and I look forward to your response.
Consumer complaint received 2022-08-28
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2022-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2019-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

To Whom It May ConcernI was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete. This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are in compliance with OHIO LAW.  The following account are still unverified : 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 I demand original paperwork, contract or bills of sale something, the account are not accurate on my file
Consumer complaint received 2019-01-25
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. (OH)

To Whom It May ConcernI was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete. This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are in compliance with OHIO LAW.  The following account are still unverified : 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 I demand original paperwork, contract or bills of sale something, the account are not accurate on my file
Consumer complaint received 2018-02-24
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: CORELOGIC INC (NY)

CREDCO XX/XX/2017 RE : Request for ivestigation of Unauthorized Inquiry I check my personal crdit report and found an unauthorized credit inquired with your bank information i haven't give the authorisation to any institution to check my credit. I request the you initiate an investigation to determine who authorized the credit inquiry. If, once your investigation is completed and you find my allegation to be true, please remove the unauthorized inquiry. if you find the inquiry to be valid, please send me a description of the prosedure used in your investigation within 15 business days of the complition of the investigation. 
Thank you : XXXX XXXX XXXX
Consumer complaint received 2021-04-13
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: FORD MOTOR CREDIT CO. (NJ)

Leased XXXX XXXX XXXX from XXXX XXXX in XXXX California my husband XXXX XXXX leased the vehicle and I co-signed loan. XXXX and I were estranged and I was moving to New Jersey which I did! XXXX was XXXX with XXXX XXXX XXXX and his condition was declining. He took car to XXXX XXXX & spoke to XXXX XXXX to take back the car & renegotiate a new loan for a smaller less expensive vehicle. He was denied. He explained to them that he was.unable to make {$360.00} a month payments as he lived on Social Security only & to be able to rent and live with the basics. His condition became intolerable he was living in hotels and the street. 
Hospital after hospital skilled XXXX one after another. Finally placed in a mental health facility and was diagnosed incapacitated. He ended.up in a Rest home unable to walk with complete loss of memory incontinent & died XX/XX/XXXX. 
I received a call from him saying a tow truck picked up the car. I received a notice about 5 months ago from a attorney/debt collector that they were representing Ford Motor Co for said debt of about {$13000.00} First of all I never received a notice from Ford that they were reprocessing the vehicle for non payment. Never were contacted about renegotiating loan or debt? I never received any document that they sold the said vehicle and how much they received? Is this amount with compound interest? Also during Covid I am continually getting harassed by letters saying that they are from XXXX civil division N.J. I l sent them a certified letter return receipt attached XXXX death certificate & asked then to contact me by mail so that we can discuss this matter. I did not give them my phone number as they probably would call off the chain. As I said I never received any of those documents to my home until I got the notice of debt from them? I live on Social Security raising my XXXX year old granddaughter. I own no car no home? I want to settle this matter. Please help me and explain my rights to me? Does Ford have any humanity? XXXX XXXX XXXX
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I have several issues on my credit report that need attention dealing with my current address and my actual name. 
XXXX XXXX  XXXX is my only name please remove any other spelling. 
My DOB is XXXX My SS is XXXX I have not XXXX XXXX XXXX XXXX # XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2021-01-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Hunt & Henriques (CA)

Hunts and Henriques Attorneys at Law is collecting for XXXX XXXX Credit Card. Due to my XXXX and unable to work due to the XXXX, I hired a bankruptcy attorney Atty. XXXX XXXX. Hunts and Henriques were fully aware of my representation. They have tried to file a lien and a judgement without advising my attorney. They send me the letters as a form of a scare tactic.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account XXXX XXXX XXXX, Account XXXX, Acount XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and incorrect balance much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which
Consumer complaint received 2021-01-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (IL)

For months, Comenity Bank has non stopped calling me. Comenity Bank has called 5 times on XXXX XXXX, 2021. I have told them by email I'm aware of my debt, and to not put me on the do not call list. Today, the XXXX of XXXX, Comenity Bank has called again despite me stating I dl not want to be called anymore.
Consumer complaint received 2020-09-14
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. (MA)

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX  student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.
Consumer complaint received 2021-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (ID)

i have tried for 2 weeks to get online into my account. It will not take a password ..locks me out then does not send any code thru SMS text, call or email for me to get into account. The phone line gives you no email and the phone number is NOT OFFERING CUSTOMER SERVICE! I have talked to techs and others when they were giving you the optiion and they state they can not help me. Clearly their system is broken and they do not make any attenpt wither to fix it or assist me in any way. I can not access my mortgage account!!!!!
Consumer complaint received 2018-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma (MI)

I am so disgusted with XXXX XXXX.

I have paid them money and used their service as a tool to repair my credit.

They report today that my score is XXXX.

So I went to try and get a car. My score is XXXX pulled by XXXX XXXX XXXX.

Why are they so misleading? I am absolutely appalled. This is not best business practices and it is horrid for the consumer. How is there over a 100 point swing in the score.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There is accounts on my report that have been deleted but reappeared, when call the bureau to tell the there are unauthorized, unverified inquires on my report in I want them deleted as soon as possible. There stating it's nothing they can do about that.
Consumer complaint received 2019-01-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

I went through court ordered mediation in XX/XX/2013 with PennyMac. They approved the refinance but illegally added over {$6000.00} dollars in legal fees and sold off my account to XXXX. This has increased my monthly payments and the low finance rate they promised. This has affected the total amount owed and made my debt to income rate artificially higher. I want to request that a qualified written request be done immediately.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

The account number for XXXX XXXX XXXX ( Account # : XXXX ) has incorrect late payment records. The XXXX credit bureaus have reported different past due statuses for the same account and the same time period. This discrepancy in reporting is causing confusion and inaccuracies in my credit report
Consumer complaint received 2019-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: HSBC NORTH AMERICA HOLDINGS INC. (NV)

I'm currently working as an active military hours in the XXXX XXXX and this company is giving me a hard time by telling me false information i responded to their letters and i even contact back and left them a voice mail stating that i'm going to basic training for the XXXX XXXX. i wouldn't have any way to make any contact while i'm at XXXX texas on XX/XX/XXXX to XX/XX/XXXX that when i graduate from boot camp. i only gotten this responses from them .. '' A review of your accounts confirms on XX/XX/2018 you closed your credit card ending in XXXX as a lost card with a total fraud claim of {$1700.00}. This claim was reviewed on XX/XX/2018 and denied. A letter was sent the same day reflecting this information. '' which is also false because these transaction added up a different amount XX/XX/2018 XXXX # XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXX XXXX CA More info Select to Expand XXXX XXXX XX/XX/2018 XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 SALE REVERSAL More info Select to Expand XXXX XX/XX/2018 TEXAS XXXX  XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 SURF XXXX XXXX - XXXX XXXX  CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX  # XXXX XXXX  CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX 'XXXX XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX # XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX 'XXXX  XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX  # XXXX XXXX  CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX & XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX   XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX   XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX & XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX CA More info Select to Expand XXXX and this are the claim that i have responded back to you guys in your letter and you guys need to read my letter and stop acting like you guys didn't receive it. please stop sending me false information.. i will be in XXXX  for my XXXX XXXX so the best way to reach me is by my cell phone and if i don't respond it's because i'm in the military.
Consumer complaint received 2019-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (NH)

I am reporting a student loan scam. 

I got a voicemail on XX/XX/2019 at XXXX ( from a robot named " XXXX '' ). She told me, " ... your student loans have been excepted into the Navient Settlement and are now subject to complete loan forgiveness ... ''. The phone number is XXXX and my " reference number '' is XXXX. I've called them twice and have been hung up both times, because I said I wanted to think about it and call back. The second guy I talked to was named " XXXX ''. I kept asking him what the name of the company was and he just kept telling me they were one of three Financial Preparation Enrollment Centers in the U.S..
Consumer complaint received 2019-01-25
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (VA)

the chase bank took out a foreclosure and never told me or their attorney until i called, the amount to reinstate is XXXX by the XX/XX/XXXX and i can not get a loan, i want to keep my home and get the loan redone, also the loan of XXXX is the loan and the value of the house is XXXX and this is illegal, plus they gave bad info to someone who had no permission, i want this foreclosure stoped
Consumer complaint received 2021-04-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (NY)

I paid off my mortgage to Planet Home Lending and refinanced with another bank. Planet Home Lending ( PHL ) sent me a check for the accumulated escrow for {$3900.00}. I deposited the check with my bank, XXXX  XXXX XXXX. XXXX had the check returned to them from PHL unpaid and the funds were withdrawn from my account. I contacted PHL and was told to submit the paperwork that XXXX had forwarded to me regarding the non honored check which I did email to them on XX/XX/2021. I keep being told that it is being looked into as to why the check was not honored.
Consumer complaint received 2019-01-25
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. (PA)

On XX/XX/2018 XXXX from XXXX XXXX XXXX XXXX XXXX ( Asset Recovery Department ) called and left a voicemail about my checking  account. I returned her call on XX/XX/XXXX and I agreed to pay the balance in full, and XXXX assured me that it would NOT go on my credit. She said I paid it just in time, before it was charged off. She said it was going to charge off on the XXXX. I got my credit report in XXXX and saw that the account had charged off with a " XXXX   '' balance. I processed a dispute with all three credit bureaus, and they all came back as " confirmed ''. I called XXXX XXXX  to speak with XXXX again and she did not fully remember our conversation and did not put adequate notes in the system to verify our conversation. She said I should write a letter to quality control, which i did. But i feel taken of, and i feel that i did everything I was told, but XXXX XXXX was deceitful ( XXXX ). I do not want this to affect my credit, because i was told that it wouldn't. I also did not have the money to pay it in full, but did so anyway to prevent any issues with my credit. Please Help!