davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-26
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: EQUIFAX, INC. (NC)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-01-26
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: Experian Information Solutions Inc. (DE)

XXXX XXXX XXXX : {$7200.00} This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so. REMOVE IMMEDIATELY.
Consumer complaint received 2022-01-26
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. (DE)

XXXX XXXX Balance : {$7200.00} This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so. REMOVE IMMEDIATELY.
Consumer complaint received 2017-08-23
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: CHECK INTO CASH INC. (AL)

I received an email alert from XXXX that I had two ( 2 ) recent credit inquiries that I did not authorize. Both were considered soft inquires, but it is still unknown if account was opened in my name without my permission. 

The first occurred on XX/XX/XXXX by Check into Cash at ( XXXX ) XXXX in Tennessee and the second one occurred on XX/XX/XXXX by XXXX XXXX. I know the XXXX XXXX has been investigated in the past for this. 

Check into Cash is looking into this matter and because of the known past history of the XXXX XXXX, I did not contact them.
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (FL)

I recently pulled my credit reports and there are multiple collections for XXXX XXXX XXXX XXXX that IC System Inc. is reporting on XXXX. I contacted XXXX XXXX XXXX XXXX and was advised that I do NOT have any outstanding balances with them and they do not know why IC System Inc. would be reporting on their behalf. 

I have disputed these items with XXXX, but to date they are still reporting.
Consumer complaint received 2021-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I am writing to Select Portfolio, Inc. to request specific itemized information about the accounting and servicing of the mortgage and of my need for understanding and clarification of various charges, credits, debits, transactions, actions, payments, analyses and records related to the servicing of the loan from its inception to the present date of my deceased mother XXXX XXXX XXXX. 


I also request that you conduct your own investigation and audit of my account since its inception to validate the debt you claim I owe you is accurate to the XXXX. Please do not rely on previous servicers or originators assurances or indemnity agreements and refuse to conduct a full audit and investigation of my account. 

To insure this, I have authorized a thorough review, examination, accounting and audit of the mortgage loan # XXXX. This exam and audit will review my deceased mothers mortgage loan file from the date of my initial contact, application and the origination of my loan to the present date written above. In addition I attached my mothers death certificate and is acting on her behalf as heir to the estate.
Consumer complaint received 2024-02-12
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: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2021-09-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (TX)

My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on ONLINE IN SV ( Original Creditor : XXXX XXXX XXXX XXXX Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-09-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (OH)

This XX/XX/2021 we received a letter saying our Mortgage was going up from {$1200.00} to {$1400.00}. After calling them and discussing it with them they stated that my home owners insurance was raising my " Hazardous Insurance rate, '' and the city we lived in raised our property taxes which was false because we contacted the City of XXXX, Ohio and they told us we are at 2.0 % tax rate and its the County who does the property taxes and not the city. We received a letter from the County auditors office stating our Home Value dropped Significantly. We contacted our Home Insurance company and they sent us a statement. Our home insurance also stated that this company tells lots of lies to get consumers money. Also Freedom Mortgage stated that after they reviewed our case they forecasted a shortage over {$1000.00} as an escrow shortage which is outrageous. I have never been late on a payment and don't plan to start. I am a XXXX XXXX Veteran using our VA home loan, and a good standing citizen of the United States just check my back ground. Please stop this company from Financially raping hard working Americans and doing this to our families. If you read the reviews about this company they have been doing this a long time and getting away with it.
Consumer complaint received 2019-01-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC. (VA)

I purchased two auto loans that are being financed with Ally Financial. XX/XX/2013 and the other loan in XX/XX/2013. I am still paying on both these loans to date. I found out there is a settlement with them about charging higher interest rates for XXXX XXXX  and I wasn't notified. Why? I put down {$10000.00} on both these loans and my credit score was XXXX at the time of purchase. I definitely feel I am being discriminated against.
Consumer complaint received 2022-10-07
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-09-24
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. (IN)

I submitted a dispute to Equifax XX/XX/2021 ( Confirmation number : XXXX ( Dispute Response Attached ) ) with supporting documents ( Attached Are Billing Statements ) to back my dispute for the investigation and the investigation completed XX/XX/2021. Equifax did not update any information pertaining to the account in question but instead continue to report the account with inaccurate account history information after providing supporting documentation. 

The payment history is incorrect, highest balance reported is incorrect, creditor classification has been change since the dispute completed to show as not being a credit card and it is in fact a credit card with revolving terms, the terms frequency should show as monthly. 

This company claims to report to all 3 major credit bureaus but has only reported to 2 which are XXXX and Equifax. I submitted a dispute to XXXX XX/XX/2021 about the same issues and XXXX deleted the account XX/XX/2021 instead of updating the account information in question because the creditor didnt respond to the open dispute.
Consumer complaint received 2024-02-12
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: Experian Information Solutions Inc. (TX)

I've filed a complaint on the on going inquires that's on my Experian report and haven't gotten them removed. i also filed a FTC report and haven't gotten a response from Experian yet i wish to have this matter resolved in prompt fashion due to it hindering my Credit Report Score.
Consumer complaint received 2021-09-24
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: MoneyLion Inc. (IL)

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # : XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXX XXXX OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. MoneyLion , Inc. violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), 18 U.S. Code 8, and 15 usc 1692b. ( 5 )
Consumer complaint received 2021-09-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

I saw a collection account on my credit report, I never received any form of communication from the company concerned. In XXXX I tried to use a 3rd party to get an apartment, I gave her all my information she tried applying to several apartment which never approved the application. The apartment that sent my details to the collection agency claims that they were under new management and knew nothing about it. The collection agency claim that my account got to them because my application fee came back as insufficient funds. I try to work things out but the people were rude. I was never informed of the insufficient funds and never lived in this apartment. 
The amount is {$330.00} I do not have such amount of money to pay, I have tried disputing with the credit union that the account was reported to after the collection agency after trying to talk to the collection agency. I have contacted the apartment who claimed the were under new management and couldnt help me.
Consumer complaint received 2021-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter previously ( XX/XX/2021 ), asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. 

I demand these accounts be deleted 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 2022-08-26
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX without 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 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. 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 n 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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 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 n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2021-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TN)

On Wednesday, XX/XX/2021, I received a postcard in the mail from Wells Fargo Bank , National Association. The postcard was mailed to me, with my full correct first and last name, and my full correct current address. The postcard is titled Change of Address Notification. Inside the postcard states, Your Wells Fargo contract information has been updated. The postcard then goes on to say, Recently, we updated the address for your Wells Fargo accounts in response to your request or a notification we received from the United States Postal Service. Please note that the reason weve sent this postcard to the last address on file is to ensure that in fact you have changed your address. Your address has been updated on the following accounts : XXXX Platinum Debit Card and XXXX WELLS FARGO CLEAR ACCESS BANKING. If you did not update your address, or do not want this new address associated with your accounts, please call us immediately at XXXX, 24 hours a day, 7 days a week. You may have also received this communication via email. -Sign on at wellsfargo.com or the Wells Fargo mobile app and go to Update Contact Information. Thank you. We appreciate your business. 
I do not now, nor have I ever had an account with Wells Fargo. I am angry that my name and address is being associated with these two accounts without my consent. I found Wells Fargos Customer Service number via XXXX and called them at XXXX at XXXX XXXX. I do not recall the name of the woman who answered the call. She immediately asked for my full social security number. I informed her of the above information, advised her that the accounts did not belong to me, and requested that they be closed. I advised her that I did not feel comfortable giving her my full SSN. At this point, it appears to me that Wells Fargo has already fraudulently misused my full correct name and address, so I certainly do not feel comfortable providing them with even more of my personal information. The woman informed me that she was unable to access anything without me being able to provide her with either the full account number or my full SSN. She then transferred me to a man ( I dont recall his name either ) who informed me of the same, and advised I visit a local branch in person to resolve the issue in person. There is not a local branch in my city. And at this point, I have already spent at least 3 hours on the phone and/or online with Wells Fargo , CFPB, XXXX, XXXX, XXXX, and XXXX just to resolve this issue and prevent any damages. I certainly do not wish to spend more time and money traveling to resolve this issue. 
I would like to request that Wells Fargo close all account associated with my name and address, and send me verification that all issues have been resolved. I would also like to request that Wells Fargo change their policy and not ask people for their full SSN.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I am writing to file a formal complaint against XXXX, XXXX and Experian for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. On XX/XX/2023, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.
Consumer complaint received 2022-01-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (TX)

Jefferson Capital Systems LLC, Keeps Falsely Reporting To XXXX, XXXX, And XXXX Credit bureaus, XXXX XXXX Account Was Opened in XXXX Not XXXX Jefferson Capital System Is Highly Impacting My Credit And My life Negatively. They Also Keep False Last Reporting To Present Time When I have Never ever Spoken To Them Or Set Any Arrangement With Them. I Have Made Disputes With The Three Credit Bureaus, Only XXXX Has Taken Action And Removed The Collection Off My XXXX Credit Account, XXXX And XXXX Has Not Taken Action Yet
Consumer complaint received 2022-01-26
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. (CA)

I disputed a collection account on my Experian credit report with Experian I included a copy of my credit card statement that clearly showed the account was paid in full. Experian decided the collection remains. I am unsure of how much more prof I can provide them then what I already have?
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

We repaid our Mortgage through a refinancing on XX/XX/XXXX of this year. When we contacted our lender we were advised that they anticipate 30-60 days for refund of our escrow account. My understanding is that under Regulation X mortgage lenders have up to 20 business days for such refunds. The lenders response in light of this seems unreasonable to say the least.