davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NJ)

XX/XX/22 experian says that XXXXXXXX XXXX XXXX  collection is valid. I paid off the collection with the original creditor in early XXXX. XXXX XXXX XXXX XXXX had my wrong name and address. Thats why I never go the bill.
Consumer complaint received 2022-03-15
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. (CA)

Equifax is reporting lates that should not even exist on a closed account. I haven't had the account open since 2015 so all of the lates that exist on the account should not even be reporting.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

I'm trying to request my annual credit report today and it will not work. After further research, I believe it may be because the addresses I've put in. I have moved around a decent amount in the last few years and can't seem to get any of the addresses I give to verify my identity enough to get the information. Is there some way I can still do this?
Consumer complaint received 2017-09-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (AZ)

XXXX XXXX XXXX says they will not modify my mortgage because of my negative NPV. Their valuation of my house is too high and it is incorrect. My house is not worth the amount they claim its worth.They claim that I have a substantial equity in my house and that is not true.They refuse to modify my loan saying " IT IS NOT IN YOUR BEST INTEREST ''.
I want to stay in my house that I am raising my XXXX kids in. I have lived in this house for 12 years. I am a single mom constantly bettering our lives, constantly looking for a better paying job.
At my current job I got a raise and Wells Fargo is not willing to Re-Enter me into the modification process because they say that my Sale Date/Auction is within 38 days.
My sale date is XXXX XXXX, 2017.
I know for a fact that my new income will alter the negative NPV.
The new income and the house valuation error would definitely change the outcome of the NPV.
Wells Fargo is not willing to work with me quoting the ridiculous rule of being too close to the Sale Date.
I should be able to prove my case and save my house up to the very last day before the Sale Date. In my opinion Wells Fargo does not want to work with me because it is more beneficial for them to take my house away from me and sell it for profit than to work with me.
Consumer complaint received 2023-05-19
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. (FL)

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  Account NumberXXXX Account name : XXXX  Account Number:XXXX has violated my rights. Or 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.
Consumer complaint received 2022-03-15
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. (AL)

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 719XXXX 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 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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now
Consumer complaint received 2023-05-22
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: Self Financial Inc. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX LATE PAYMENT Balance details Paid off - Balance - Balance updated - Original balance {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Status Paid, Closed. Status updated XX/XX/XXXX Original balance {$2500.00} Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

I filed for bankruptcy in XX/XX/XXXX as a result Capital One charged off my credit card account in XX/XX/XXXX which is understandable. However, Capital One reported the charge off again in XX/XX/XXXX and most recently on XX/XX/XXXX. My attempts top to request that Capital One remove the additional charge of dates has been unsuccessful. Capital One refuses to acknowledge that erred in reporting multiple charge off dates for the same account. 
Note : Each additional time that Capital One has reported to the credit bureaus that my account was charged off has caused my credit score to plummet. Also, prior to filing bankruptcy, my credit account was never in arrears.
Consumer complaint received 2017-09-08
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. (CA)

Equifax 's security was breached and highly sensitive personal and financial information, including my own, was accessed by hackers. I am now a potential ( or current ) victim of identity theft and fraud.
Consumer complaint received 2017-09-08
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. (CO)

During a data breach at Equifax in XXXX of 2017, my personal Information was stolen from their systems. The information included date of birth, social security, and drivers license. This has left me vulnerable to fraud. Equifax offered to provide fraud protection but only if I waive my rights to sue them for damages due to their inability to protect my information.
Consumer complaint received 2015-07-16
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc (MA)

PayPal limited my account. They claimed I 'violated their user agreement ' -- but would not tell me how I did so. I 'm not aware of any violation. I have {$600.00} in the account and PayPal will not release it for XXXX days -- saying that they need to hold on to the money in case of 'charge backs '. But I have no pending transactions and I 've not sold anything using PayPal for months.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Millco Management (NJ)

XX/XX/22 XXXX  says that Ameri financial solutions collection is valid. I paid off the collection with the original creditor in early XXXX. XXXX XXXX XXXX XXXX had my wrong name and address. Thats why I never go the bill.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 n i made this clear for 60 days straight with transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now
Consumer complaint received 2022-03-15
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: VEROS CREDIT, LLC. (CA)

I purchased a used vehicle in XX/XX/2019 at an asking price of XXXX. My initial down payment was XXXX cash and my rate of interest is 21.9 % I have payed a total of XXXX on this loan and my current balance is XXXX approximately. I have recently noticed on my billing statement that the interest amount being deducted from the monthly payment is higher than 21 % which takes away from the principle. My statement show that they're taking upwards of XXXX $ out of a XXXX $ monthly payment and even at 25 % interest this should be no more than XXXX $ from XXXX $ this is simple mathmatics. The company is Veros Credit XXXX and this has been occuring since XXXX of 2019 when this vehicle was purchased.
Consumer complaint received 2022-03-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Was solicited by citizens bank to open a checking and savings account. Finally did this early XXXX with help from a teller. And with the promise of a {$600.00} signup bonus. This is the first sign they weren't willing to pay this because the monies should have been in my account by XXXX according to their own schedule on their paperwork. They weren't. So late XXXX I contacted them and was told they would send something to the marketing department. Finally by XXXX is when they deposited {$300.00} into my checking account. I inquired about the other {$300.00} and was told it was because I had done the checking account deposit requirement in 2 increments. I pointed out to that no where in their own paperwork Does it say it has to be in one deposit. I have contacted the CEO as well as the CEO of marketing. I haven't heard back from either.
Consumer complaint received 2023-04-07
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. (FL)

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance Owed : {$0.00}
Consumer complaint received 2022-03-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I will attach a letter I wrote to Wells Fargo Bank which details the event. 
In summary, on XX/XX/XXXX, I received a call from " Wells Fargo Bank '' as identified on my cell phone. The " representative '' asked me if a XXXX XXXX was authorized to withdraw money from XXXX on my account. At the time, I was taken off guard because I had just settled a fraud matter regarding XXXX Eats. My senses were on heightened alert. The caller was very professional, walked me through each step of XXXX XXXX since I hadn't used XXXX before ) and instructed me how to transfer the money back to my own account. The caller never asked for my personal information. I was induced to transferring the full amount in my checking account {$790.00} and {$200.00} from saving " back into my account ''. I could see that the funds were transferred and was relieved the Rep had helped me. I was relieved that Wells Fargo appeared to have been protecting me from further fraud. 
My accounts registered zero the following morning. I reported the incident and was assured the matter would be corrected within 10 days. Luckily, I have another account with a credit Union I could live on. Wells Fargo responded in 15 days ( XX/XX/XXXX ) and failed to acknowledge that I was a victim of a crime. ( See attached letters ). In fact I felt shamed as WF claimed it was my fault. 
I continued to search for help and answers. I was met at resistance at every corner. 
On XX/XX/XXXX, I made a formal complaint with WF during an in person meeting with a WF banker. The banker informed me that I was to receive a response from WF within 2 days ( WF policy ). It is now XXXX XXXX and I have not heard back from WF. 
I am certain with your intervention this abhorrent form of business will be addressed. Furthermore, I would like to site the Electronic Fund Transfer Act. Regulation E. My next steps include informing our local News Stations in XXXX XXXX and XXXX XXXX and closing my account if there is no solution within the 15 days. 
Thank you so much! 
XXXX XXXX XXXX
Consumer complaint received 2023-03-21
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. (MA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

They had a breach in security that directly affected me. They have mishandled the situation and I feel that my information has been compromised without a valid response. According to the Equifax website I am at risk.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

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 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NV)

We have been trying to buy a house and when lenders run our credit nothing comes back from Equifax. They dont show any score, or any accounts. We contacted them and they said we needed to verify my identity, so we sent the documents in three times last year with zero response from them. We finally hired a lawyer this year and filed a lawsuit against them and they claimed the matter was fixed, but when I pull up my own credit report there is still nothing there from them. This has affected our ability to get a house, or a car, or anything that you need a loan for, and we cant get them to even respond to us by mail and there is no one to call or talk to. They just keep telling us to mail in documents but never actually do anything to resolve the problem.
Consumer complaint received 2022-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (AZ)

I have mortgage loan with PNC bank. My home value is appreciated and the current LTV ratio is less than 75 %. I requested PMI deletion with PNC and submitted cheque for BPO. My request is turned down repeatedly after many follow ups. Many of my friends whom I know had mortgage with other banks similar to my situation were able to delete PMI successfully. Please help.
Consumer complaint received 2022-03-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (IL)

I HAVE CONTACTED THE COMPANY AND ASKED THEM TO STOP AND THEY CONTINUE CALLING ME EVERY DAY, 7 DAYS A WEEK. I EVEN PAY THEM!!!! BUT IT IS NOT THE AMOUNT THEY WANT, SO THEY STILL CALL ME 5-10 TIMES A DAY FROM SO MANY BURNER PHONE NUMBERS. THEY EVEN STARTED CALLING MY HUSBAND!!! WHO I NEVER GAVE THEM AUTHORITY TO CALL, AND THEY SOMEHOW GOT HIS NUMBER AND ARE HARASSING HIM.
Consumer complaint received 2022-03-15
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. (TX)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.