davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-07
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND AN ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I AM NOW AT A STANDSTILL IN MY LIFE AND THERE IS SO MUCH I LIKE TO ACCOMPLISH. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNT AND INQUIRY DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2019-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (TX)

XX/XX/2019 I attempted to access my checking account online. It says 'there is no account activity for the past 120 days ' even though there had been multiple transactions just that week. I am able to login and view all transactions on my other accounts, but simply the checking account has had all information purged. 
XX/XX/XXXX at XXXX XXXX, I called Ally 's customer care, and spoke to them for 30 minutes. We did basic troubleshooting, and they created a case for me. They told me to expect a call back within 24 hours. 
XX/XX/XXXX at XXXX XXXX, I called Ally 's customer care and spoke to them for 11 minutes to which they provided me more information on the previous day 's call, and informed me that the problem had been fixed. It had not been fixed. 
XX/XX/XXXX at XXXX XXXX, I called Ally 's customer care and spoke to them for 57 minutes to which they told me that they would forward the information to the executive relations team after I begged that they allow me access to my bank transactions. 
XX/XX/XXXX at XXXX XXXX, I called Ally 's customer care and spoke to them for 24 minutes to which they informed me that the executive team should be contacting me. 
XX/XX/XXXX at XXXX XXXX, Ally 's executive team reached out via email. They stated that an issue had been identified, and that a fix had been applied on XX/XX/2019, and that I now had access to my transactions. Regardless of what was applied or identified, I still do not have access to my transactions. I am relegated to calling in daily to have somebody read me my financial transactions.
Consumer complaint received 2019-05-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OPORTUN FINANCIAL CORPORATION (IL)

I took out the loan in XXXX of 2018. I mailed my first payment on XX/XX/2018 which would have paid my first payment on time. I called after the payment was debited from my bank account but was not applied to my loan. I spoke to several employees each time providing conflicting information regarding my payment. I have proof that I paid I have the cancelled check copy and bank statement. I was told to email the customer support the documents. All email addresses provided were not valid and mail was always returned. I can provide a screen shot of my email account proving this. I continued to call and pursue resolution. While this was happening they were reporting my account as delinquent and brought my credit score down XXXX points. Finally in XXXX I had enough of calling and talking to different people not getting any explanations. I went into a store location in person and provided the proof that I paid. I was told by a customer service representative working there that Oportun applied my payment to another loan that was not mine.They were penalizing me for non payment when I did pay they just did not apply my payment to my loan. My account with Oportun is being reported as delinquent twice a month every month due to an error on their part. As soon as the first payment was applied to my account, I made another payment. I do not feel it is right that they took four months to resolve my First payment and are penalizing me for taking 4 months to figure out where my payment went. I was unable to pay during the dispute as my payments were not being applied to my account. I have a 98 % on time payment rate on my credit score. I have other loans that are always paid on time. I do not feel I should be penalized because of Oportun 's error. I have worked hard the past couple of years to bring my credit score up. This company not only trashed my credit but expects me to pay interest on the months that they could not apply my payments to my loan. I was on top of this right from the start. I began calling in XXXX and continued to call every two weeks for the entire four months it took to resolve this. I have made countless calls spoken to several people and all they can say is sorry we understand please pay off the loan. I believe I should not have to suffer for the mistake on their part. This company is horrible. If you call to speak to a specific person they are unable to connect you. I was in contact with Supervisor of Collections XXXX XXXX several times but only when he personally called me. I am never able to be connected to him and every time I call I have to take the time to explain the entire situation over and over again. I am a responsible person trying to build credit and this company and it's inability to operate properly has ruined all the work I have done. I hope no one else falls victim to this awful company like I did.
Consumer complaint received 2019-10-07
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. (NC)

Equifax ; XXXX and XXXX are reporting incorrectly a balance due of {$77000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a summary report from XXXX XXXX XXXX XXXX regarding my HELOC account. The report was run from XX/XX/XXXX through XX/XX/XXXX. It reports only ( 1 ) payment was transferred via online banking on XX/XX/XXXX with a reporting of a {$0.00} balance on XX/XX/XXXX. No other account activity has occurred through XX/XX/XXXX. This incorrect reporting of a balance due is seriously harming my credit score. This line item needs to report a {$0.00} balance. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Consumer complaint received 2019-10-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stenger & Stenger, P.C (MI)

I received a debt collection letter in the mail from Stenger & Stenger, P.C., claiming that I owe a {$620.00} debt to a credit card company. Per the FDCPA, within the 30-day period I sent a dispute letter dated XX/XX/2019 to the above supposedly debt collector disputing the mentioned account. The offices of Stenger received my letter on XX/XX/2019 via XXXX certified mail-return receipt. They then responded to my dispute with inadequate information to VALIDATE the debt in accordance with FDCPA and FCRA laws. They failed to provide me with any evidence that they are licensed to collect debt in the State of MI. They also neglected the required 30-day period to respond to my dispute and responded on XX/XX/2019 almost 2 months later! This is preposterous coming from this alleged company claiming to be attorneys at law who should have an understanding of the law!
Consumer complaint received 2023-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XXXX/XXXX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-10-07
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/2019 I thought I was making a purchase safely through my banking mobile account but it went through XXXX and I later found out the company was fraudulent. Company website XXXX ( XXXX ) has been suspended. I lost {$490.00} through XXXX and called Wells Fargo to file a complaint and was told that they cant get my money back because the transaction was completed! Please help me, I thought I was making a safe transaction but it was a scam!
Consumer complaint received 2018-06-16
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. (AL)

This should be sent to XXXX, Experian, and XXXX I filed bankruptcy years ago and then changed my mind a few weeks later and decided not to go through with it. The bankruptcy still appeared on my credit report. I obtained a letter from my attorney stating that the bond is cancelled. The bankruptcy should be removed from my credit reports accordingly
Consumer complaint received 2019-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX XXXX is reporting incorrectly to Experian a past due amount of {$6400.00} on the XXXX XXXX XXXXL account number XXXX. This account is currently coded as an I9 and needs to be coded as an I1 and needs to be reported as {$0.00} balance and {$0.00} past due. This account is completely unsubstantiated and was opened fraudulently. I was a small business owner and was lied to and aggressively pursued by a salesman representing XXXX XXXX XXXX. I was told by the leasing agent for the company that I could at anytime within ( 48 ) hours void the lease agreement by simply calling the company back, or I could get out of the contract if I closed my business. I decided shortly thereafter that I did not want to commit to XXXX XXXX XXXX and immediately tried to reach the salesman to cancel the contract. I left numerous voice mail messages as well as email messages to cancel the contract. I never received a telephone call and/or an email response within the ( 48 ) hour time frame. This stalling tactic conveniently exceeded the ( 48 ) hours to cancel this account. This was malicious and on-purpose! I later found out that the documents I allegedly signed were forged. These documents I supposedly signed outlined the cancellation policy, etc. Having never seen and/or had an opportunity to read the documents, I would not have been aware of their underhanded way of doing business. I made the dire mistake of taking the salesman at his word and believing what he told me to be true. I have attached a copy of the multi-million dollar class action lawsuit filed against XXXX XXXX XXXX. This is further evidence that their illegal practice of duping small business owners was, in fact, illegal and fraudulent. I request that Experian remove this line item from my credit report and/or change the coding to an I1 and accurately report a {$0.00} balance and {$0.00} past due. I have tried to contact both XXXX XXXX XXXX and Experian to fix this however, I have not been successful. This incorrect reporting is harming my credit score.
Consumer complaint received 2024-03-05
Product: Credit reporting 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. (TX)

I recently check my credit report and across all 3 major bureaus, unauthorized inquires are there. They are affecting my abilities to obtain additional funding and advance economically. I have reaching to each bureau and give excuses as to why these inquires can not be removed. Here is a list of the companies and dates of the inquires that need to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 2020-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

Re : Account number XXXX This letter is sent in response to [ a  letter/phone call ] I received on [ XXXX ]. I am requesting that you provide verification of this debt. 

Please send the following information : The name and address of the original creditor, the account number, and the amount owed. 

Verification that there is a valid basis for claiming I am required to pay the current amount owed. 

Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 

Please also note whether this debt is within the statute of limitations and how that was determined. 

Please verify original contract with my signature Also verify original creditor account number Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-05-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NJ)

I have been contacted by the attorneys for Nationstar Mortgage aka Mr. Cooper. There has been a motion filed to collect a mortgage debt on my XXXX XXXX mortgage. I am currently in chapter 13 and they have filed for a stay. I had no knowledge of nor did I sign anything having to do with that property. No amount of explanation has resulted in anyone listening to what I can prove. I now must incur legal fees I obviously cant afford to defend against this. My father has been dead more than five years a fact that they could easily verify. I am XXXX and in bankruptcy! I consider this unfair prosecution. Im being harassed by XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX   XXXX, XXXX, PA XXXX. The fact that a company that can recover losses on a mortgage via foreclosure and mortgage insurance amplified the unbelievable greed of this company. I may have been related but I am not responsible for a debt I did not incur or know about! Nothing has been done thus far to prevent these kind of unfair mortgage lender practices. 
Sincerely frustrated, XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, NJ XXXX
Consumer complaint received 2023-08-14
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. (TN)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXXXXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2018-11-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

A debt collection appeared on my credit report on XX/XX/2018 for an amount of {$130.00} dollars from XXXX XXXX XXXX. The original creditor appears to be XXXX XXXX. However, I have never been contacted about this debt and I have never had any business dealings with XXXX XXXX. I have bank statements and cell phone records to prove that I have never associated with XXXX but have not been contacted to validate the debt. As such, I am certain this debt has been erroneously attributed to myself.
Consumer complaint received 2023-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

My parent plus student loan provider was recently changed by the US Department of Education from XXXX XXXX to XXXX. I did not request this change. The loan was transferred without my consent, apparently they can change providers as they deem appropriate. My score dropped XXXX points in one day due to the account being CLOSED. Ill get dinged again when the new lender reports a NEW account. This is not accurate reporting and the TransUnion credit score model is obviously flawed. Im being penalized for a decision the US Government made for me ; or their loan servicing providers did. There has been no change in the amount due on the loan. It was a loan serviced change only. Not a closed or new account.
Consumer complaint received 2018-10-22
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: EQUIFAX, INC. (WA)

Well there are closed paid accounts that should not be still on my credit report at all some keep re appearing and wont go away I dont owe on them so they should have be Removed off my credit.
Consumer complaint received 2019-10-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

In approximately XXXX my wife and I were notified by courier that we are late/in default on our payments and our home is in jeopardy of foreclosure, and we are {$18000.00} behind in our payments with late fees being accumulated daily. Our loan was with Wells Fargo and we had auto withdrawal every month. We were never notified by Wells Fargo of the intentions to sell the loan to another servicer or of the intent to discontinue our auto payments. Their customer service claims a letter was sent. Nothing was ever received. The first we heard of this was when we were contacted by XX/XX/XXXX 

XXXX XXXX XXXX agreed to a 3 month trial loan modification because this was the only option to stay out of foreclosure, which we did successfully and received a mortgage agreement for a rate of 5.25 %. The initial modification agreement showed it would be 4.25 %. We asked for a second review and were denied for an adjustment after the review. 

We have no intentions to default on our loan, nor do we have any intention ceasing making payments. We have always worked hard to keep our credit in good standing. 

XX/XX/XXXX is unwilling to correct our credit, or adjust the rate. There must be some sort of requirement that we were to be properly notified by Wells Fargo prior to cancelling auto pay or changing service providers. 

I have attached the response to our review request which we don't feel is correct.
Consumer complaint received 2019-10-07
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. (TN)

Every year I check my credit just to make sure I'm on target with my goals ; well, this year upon having my credit pulled, I discovered several items that are NOT mine and I'd like them removed as soon as possible. I also took the liberty of contacting the police and FTC for your convenience. These are items from removal : XXXX, XXXX, XXXX XXXX
Consumer complaint received 2019-10-07
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)

I previously sent ( 4 ) certified dispute letter requests dated XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019 to either verify and if could not be verified to by law remove all inaccurate information from my credit report. I received responses stating information was verified. How was the information verified?, if my request for a copy of signed documents with my signature could not be provided?