davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 71XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXXXXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2021-03-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (TX)

Received a letter notifying me that the company SpeedyCash was turning my personal information into a collection agency due to unpaid loans. I never received any notification by mail or phone prior to this threatening letter. After several minutes and several phone transfers, the SpeedyCash representative advised me to get a police report filed so that the company will stop sending my personal information to a collection agency. After I filed the police report, it was discovered that SpeedyCash did not do their due diligence when giving out multiple loans in my name. They just gave the loans out to somebody with a completely different name and address with my SSN number. The detective stated that that is a huge red flag when giving out personal loans. SpeedyCash still has not put an alert throughout their company to let their people know NOT to loan any money out to somebody that is using my personal information.
Consumer complaint received 2018-07-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/2018, after my XXXX check was automatic deposited into my Wells Fargo checking account ( only income due to total and permanent XXXX for over 8 years ) it was immediately sent to a unknown person that I have never done any business or received any complaint regarding a debt. Wells Fargo is aware that this is XXXX benefit and allowed a judgment that I was not aware of take over my monies which now I am unable to pay my bills, go to the doctor, buy food, insurance payments, etc. I was not notified of any judgment from the person or Wells Fargo. I have filed several complaints but Wells Fargo is ignoring the laws on XXXX benefits and my complaints. 
Still, today I can not get any information as to where is my money. The whole check is gone. Also, I continue to miss money or had several complaints over the last year about someone going into my account taking my money.
Consumer complaint received 2022-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have made multiple disputes with Transunion, XXXX concerning the same reported accounts, XXXX XXXX  and XXXX XXXX XXXX. XXXX removed the incorrect account but XXXX and XXXX are only taking a couple of days to verify accurate. XXXX reported accurate the day after the dispute was submitted the first time. The last submitted dispute was XX/XX/2022.
Consumer complaint received 2022-03-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (CA)

In the early first week of XX/XX/XXXX I approached Wells Fargo bank at XXXX XXXX XXXX CA, for XXXX line of credit they took my all information and told me that in one hard inquiry they will apply my credit card and XXXX line of credit I told them that I have 7 credit cards I only need XXXX line of credit, they deliberately pull up my credit 2 times which result declined of both applications, they lie to me that they will pull up my one hard inquiry.

They have no right to pull up my credit two times without my consent. 
I approached to the bank and complain about the lie and unauthorized use of my credit without my approval. 
If I knew that they will pull my credit two time I immediately stop them doing this, I requested them to remove two illegal unauthorized inquiries from my report but they are using delaying tactics as they are well known for collecting peoples information and ruining their credit and destroying small businesses as they want to increase the wealth of big business and destroy small businesses by destroying their credit. 
They play with my credit report and when I complained about that they had not answered me till now. 
Due to their attitude I am suffering irreparable loss and my business is effective, as no two hard inquiries are in my credit on same day. They have no idea as the staff of the bank is not well trained and they only care about their efficiency and to show the efficiency they had are submitting two applications at a time which result in decline of both applications and they are getting information of people.

Which they may sale to other people or will use that.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Number:XXXX Account Name XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I received an alert about a fraudulent attempt to open a credit card in my name. 

The credit card was an XXXX XXXX XXXX opened through Bank of America. The attempt was made on XX/XX/XXXX. 

Due to a fraudulent attempt to claim unemployment under my name in XXXX, I had already taken steps to freeze my credit, but I want to escalate this crime nonetheless. Whoever did this has my Social Security number which is frightening. 

I contacted Bank of America to make sure to cancel the application and flag the attempt as fraud. I also learned the application was made from the following address : XXXX XXXX XXXX XXXX XXXX, OH XXXX Please investigate this and shut this down.
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (CA)

My complaint is against TD Bank/XXXX  account # XXXX. On XX/XX/XXXX I went to XXXX web page to by a phone. The phone had a cost of {$1600.00}, on the portal there were different options how to pay your phone ( finance, upfront, etc ), so I decided to finance it. Payment went through, everything approved. Some days later I received the phone without any type of agreement which I saw rare that the did not send it. 2 months later a received a call from x collection on behalf of TD Bank and to be honest I didnt even knew that bank even existed. So I immediately contact XXXX and maid payment in full of {$1800.00} on XX/XX/XXXX. So I de decided to call them both TD bank and XXXX. In TD bank they ask my SSS and the account number and the agent told me that I didnt even had an account with them. This call was made on XX/XX/2019TD bank should have that call recorded. So then I decided to call XXXX to get some kind of explanation of whats going on. In XXXX they told me that what happen is that they never received a payment from me until the XX/XX/XXXX for the amount of {$1800.00} and me thinking it was in automatic payments and everything was ok. Now the phone carrier did have my correct address because I received the phone but I was told by XXXX that statements were return to them therefore I NEVER received any type of statements from TD Bank or XXXX or any late payment insertion required by FCRA . This is unfair business practice, negligence, breach of contract and the list of violations can go on. I dont want to take this case to court, that is why Im using this source to fix this issue. I just want for whoever is responsible of this error to fix it as soon as possible. I want a deletion letter from TD Bank as soon as possible. I have a {$700000.00} mortgage loan pending because of this mistake and if I have to take this case to court, believe me I will. Thank you!
Consumer complaint received 2024-02-13
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. (MS)

Upon thorough review of my report, I have identified several discrepancies and inaccuracies that I believe are adversely affecting my creditworthiness. 

I recognize the importance of maintaining an accurate credit history and am fully committed to rectifying any errors. Therefore, I kindly request your assistance in investigating these discrepancies and, if found to be inaccurate, promptly removing them from my credit report.
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (AZ)

We feel behind on our mortgage payment. All lenders we asked to not report late payments during the pandemic. We set up payment plan but Carrington still reported the the late payments. Due to this we cant get our mortgage payment lowed due to these late payment.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-02-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CMG MORTGAGE, INC (VA)

CMG Mortgage , Inc. its affiliates, agents and employees ( collectively, " Servicer '' ), is the servicer of my mortgage loan. I have experienced financial hardship negatively impacting my ability to make on-time Mortgage payments due to COVID-19 and made a request for a COVID-19 Forbearance in XX/XX/XXXX and was granted such for 18 months until the end of XX/XX/XXXX. On XX/XX/XXXX the Servicer ( CMG Inc ) approved and tried to put me into a COVID-19 Owner Occupant Loan Modification that resulted in a higher mortgage payment than before the forbearance, which is not affordable as my COVID-19 financial hardship continues. 
On XX/XX/XXXX I appealed, the Servicers, decision and stated : I am hereby informing you that I am requesting an appeal of your decision not to evaluate my eligibility and produce terms for all the retention programs available to me after the Cares Act Mortgage Forbearance program. Namely I request that I be evaluated for the Covid-19 Combo Partial Claim and Modification, and the Covid-19 HAMP Combo Mod/Partial Claim. 
As of XX/XX/XXXX the above retention options have been consolidated into the COVID 19 Recovery Modification, which replaces the COVID 19 Owner Occupant Loan Modification, COVID 19 Combination Partial Claim and Loan Modification, and the COVID 19 FHA HAMP Combination Loan Modification and Partial Claim with Reduced Documentation. CMG, the Servicer, responded on XX/XX/XXXX by denying my appeal and threatening consequences. To this day CMG still refuses to evaluate and grant the aforementioned COVID 19 retention options despite the law and repeated requests.
Consumer complaint received 2022-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This LVNV FUNDING account with a balance of {$320.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX  and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. 
To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a XXXX collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to a fdcpa lawyer.
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (UT)

I have a XXXX XXXX XXXX # XXXX that is violating my 30 day right to dispute. I never received any notice of this collection until it was placed on my credit.
Consumer complaint received 2022-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (LA)

I have not been provided with my account number so I am unable to use their online platform for making a payment. I called their customer service line and all phone numbers that I could locate on their website and on the papers that I received from them, in an effort to obtain my account number so that I could proceed with paying the bill. Their phone line is inactive ; a recording comes on stating that they are working on getting their customer service back in running order. It is ridiculous that I have not been given what I need from the company in order to be the responsible credit card holder that I am. In my efforts to contact them, I can not fix their error. Online, I can not access my username or any information without the account number. There is no other way to access my account online. I want to be reimbursed for any and all fees and interest charged to my account.
Consumer complaint received 2022-02-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NAVY FEDERAL CREDIT UNION (GA)

I, XXXX XXXX, a federally protected consumer, beneficiary, debtor, and holder in due course pursuant to UCC 3-306 is aware that the unlawful use of a credit card such as a Social Security Card under 15 U.S. Code 1602 ( l ) by an organization or person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit constitutes unauthorized use pursuant to 15 U.S. Code 1602 ( p ). 

I understand that the fraudulent use of a credit card, by NAVY FEDERAL CREDIT UNION, is defined as whoever uses, attempts or conspires to use a card to obtain money, goods or services shall be fined for {$10000.00} or imprisoned for 10 years or both. 

This Promissory Note, as shown in EXHIBIT ( A ), is a consumer credit contract and as described in 16 CFR 433.1 ( i ) an instrument, and under UCC 3-104 ( a ) an instrument is a negotiable instrument and an unconditional promise to pay, no different than a dollar. I have reason to believe and do so believe this instrument constitutes payment under the negotiable instruments act and has fully paid for this transaction on the date of consummation. 

I entered into a consumer credit transaction with NAVY FEDERAL CREDIT UNION where a credit sale took place and a finance charge was imposed, where NAVY FEDERAL CREDIT UNION holds a security interest. Pursuant to 15 U.S. Code 1605 ( a ), the finance charge is the sum of all charges. 

NAVY FEDERAL CREDIT UNION did not clearly and conspicuously disclose the right to rescind this consumer credit contract, nor did I receive any clear or conspicuous verbal, written or video explanation on my right to rescind. 

This is my notice of Rescission of this consumer credit transaction due to fraud on behalf of NAVY FEDERAL CREDIT UNION. NAVY FEDERAL CREDIT UNION has been committing theft by deception and using unlawful extortionate means by furnishing false and deceptive forms. 

I am invoking my right of rescission in accordance with 15 U.S.Code 1635 and UCC 3- 306 to rescind any power of attorney which may have been used in connection with this transaction which includes any derivative, hypothecation, trades, transfers of possession, whether voluntary or involuntary involving any and every instrument which may have occurred unbeknownst to me. I was not given full disclosure of any such power of attorney until the discovery of its potential existence and demand a full revocation of such document ( s ) ; nunc pro tunc.
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. (OH)

on or around XXXXXXXX XXXX  XXXX my car was broken into or some had accessed my XXXX  XXXX XXXX XXXX that was parked near XXXX XXXX XXXX XXXX XXXX OH XXXX. I return to my vehicle around XXXXXXXX XXXX XXXXXXXX and found my things were ransacked and tossed around the inside of my car. My ID and SS Cards for myself and my children were stolen, so I would like to request a PIN number for my credit report and file. While I was going over my report I saw that there are some errors in my addresses and names that are incorrect. Please remove the following addresses they are not XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Please delete remove the following names they are not correct : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 

The following Items are inaccurate please delete : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,