davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-26
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. (MO)

After being a victim of identity theft I'm disputing the unknown, unauthorized accounts that's reporting on my file, and the data is currently being updated as if the fraudulent illusion was accurate. However, I'm demanding that these accounts be blocked immediately and the data reporting be stopped and removed, unless the credit reporting agencies can produce a legal certified tangible document that binds me is such signed contract, until then I'm loudly demanding that the following accounts be removed, ( # 1 ) XXXX XXXX XXXX {$1500.00}, ( # 2 )  XXXX XXXX XXXX {$130.00}, ( # 3 ) XXXX XXXX {$13000.00}, ( # 4 ) XXXX   XXXX XXXX, ( # 5 ) XXXX  XXXX  c {$350.00}
Consumer complaint received 2020-02-04
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. (AR)

My daughter just turned XXXX and I wanted to get her a new car since she is going off to college. As I went into the dealership and picked out the car I wanted for her I had to get my credit report pulled and there was a list of things I was not familiar with. None of these things listed on my report is not mine. Could you please remove these items listed. 

XXXX  XXXX {$2400.00} XXXX XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX   XXXX {$140.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX {$130.00}
Consumer complaint received 2018-10-19
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: DISCOVER BANK (GA)

On XX/XX/2018 I registered with a third party company which checks eligibility to apply and get approved for credit cards. Unfortunately they applied for several credit cards from discover on the XX/XX/2018 without my consent and because the request was denied I'm left with multiple hard inquiries on my credit report which is affecting my credit score
Consumer complaint received 2022-03-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TN)

Hello, I am contacting you about my loan servicer and them not furnishing me with important documents. I received a call on Sunday, XX/XX/XXXX about making my mortgage payment. 

I got a letter on XX/XX/XXXX stating that I was approved for COVID-19 relief. In that letter, it states that documents were supposed to be sent to me within 15 days of reciept of letter. It is now XX/XX/XXXX and I have yet to receive said documents. 

During my call Sunday evening, I was told that I needed to pay to meet the conditions of my relief, but how do I know what to pay and terms to agree to? I feel that by paying, I am agreeing to the terms of a contract that I have never seen. How can that even be legal? I have dealt with Loancare long enough to know that I need to see everything in writing. 
Loancare is the reason I am in this mess. When I paid my first or 2nd mortgage payment, they told me that it was late because I paid it on the XXXX of the month. I was told last night that there is a 15 day grace period where I wouldn't be charged a late fee and my payment was denied because late fees were not included in my payment and they didn't take partial payments. You can see for yourself in XXXX. I have been going through this ever since. 

I was told to call back on Monday and ask for a supervisor, but I never got through to anyone. I haven't gotten through over the phone, so I've been sending emails. I haven't gotten any email responses either. 

I've had enough with Loancare and I would just like to have my documentation so I can resume my payments.
Consumer complaint received 2022-03-09
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Collection Bureau, Inc. (MI)

I received a letter on XX/XX/XXXX stating that I owed {$620.00} to XXXX XXXX, XXXX XXXX ACCOUNT NUMBER # XXXX account number is fake and United Collection Bureau , Inc is in violation of 15 USC 1692j ( A ) and 15 USC 1692f ( 1 ). They have also stated that on paper that " This is an attempt to collect a debt by United Collection Bureau , Inc., a debt collector, and any information obtained will be used for that purpose. '' This is a violation of 15 USC 1692 ( b ) ( 2 ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; United Collection Bureau , Inc communicated on paper through that I owed a debt which never got to me but someone else other than me this is a violation. I've sent United Collection Bureau , Inc a Invoice, Affidavit of Truth and a Cease and Desist with exhibits showing how many times they violated me and they just sent me another later when they were not suppose to. United Collection Bureau , Inc 's new letter entails another debts with the wrong amount, wrong original creditor i.e. XXXX XXXX XXXX.
Consumer complaint received 2022-12-31
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXXXXXX XXXX XXXXXXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX KS XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$110.00} ; XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$770.00} ; XXXX  XXXX Balance : {$500.00} ; XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-03-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Advance America, Cash Advance Centers, Inc. (PA)

My husband and I got a pay day loan cant afford to pay on it and they call me minute after minute with different numbers and in known numbers from XXXX XXXX through out the day even in XXXX First American loans XXXX Ohio Under XXXX
Consumer complaint received 2019-01-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (DC)

Have been an account holder of Wells Fargo bank for over twenty years. My investment portfolio has a XXXX XXXX XXXX checking feature. Have only attempted to use is recently and encountered issues. Was assured that the problem would be investigated. XXXX XXXX, a Wells Fargo officer was assigned to the case identified by case number XXXX. Weeks have passed and there has not been a single finding in this so called investigation. 

I have, however, discovered that for each check presented a penalty was affixed to my account. As of this writing, there has been no information revealed to me about the investigation. If there was a problem with the check the bank should simply reject the check. If this is not a predatory banking practice then I would want the bank to detail how it is not. Additionally, if proven, what would be the penalty for a series of predatory practices.
Consumer complaint received 2018-05-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SUNTRUST BANKS, INC. (ID)

Auto loan established with Suntrust bank. Made overpayment in XX/XX/XXXX of {$680.00} to be up-to-date on car payments. Advised per supervisor that remaing balance was approx. {$8000.00}. Car was repossed without knowledge XX/XX/XXXX. Vehicle was parked outfront of apartment building. Tow truck did not attempt to establish contact before taking vechile. Car was repossed by Suntrust Bank. XXXX XXXX ssi was purchased & auto loan established with Suntrust Bank back in XX/XX/XXXX. Made car payments up to XX/XX/XXXX to drop loan amount to approx {$8000.00}. Car was repossed as payment was 30days late yet contract states 60 days. Balance of {$8900.00} showing up in collections as increase on loan. However, never recevied 30day collection notice for late payment. No opportunity to make payment before vehicle was taken. This is fraud. Actions were taken by Suntrust Bank that are unjustified.
Consumer complaint received 2019-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (VA)

my name is XXXX XXXX and i got a call from a debt collector for XXXX and it has the wrong complaint number on it but the account is closed and now they are trying to collect i know u sent it to XXXX XXXX   a XXXX know im getting phone calls for a closed account u sent it to the ftc and they are still trying to collect XXXX XXXX XXXX says i owe XXXX for a XXXX XXXX XXXX i dont have could u please send the right complaint to them
Consumer complaint received 2019-01-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Business & Professional Collection Service Inc (NV)

I received a summons from Business and Professional collections services in XXXX. 
- I called a few days later to discuss the debit. 
- I wasn't sure about the debt so I sent a " debt validation letter '' on XX/XX/XXXX. 
- I revived an itemized reply on XX/XX/XXXX - I called to settle the debt on XX/XX/XXXX, After some back and forth they offered to settle for {$830.00} and they wouldn't charge me ( filing and court fees ). I  asked for a few days to get paid and " check my finances ''. I used that time to contact the original hospital ( XXXX XXXX ) to  confirm that Business and Professional collections acutely controlled the debt. 
- When I called back on XX/XX/XXXX I was informed they has rushed out just after our call to get a " judgement ''. So now they want $ 200+ more! Once I wanted to settle in full they rushed out and increased the debt by 25 % to get more money!!! 

I feel there negotiations where not in good faith ; They created an artificial timeline and once they saw an opportunity they rushed to increase the amount they get paid. If you look at reviews of this place it seems this is a common business practice for them.
Consumer complaint received 2022-12-31
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. (TX)

XXXX has already passed but up until now, I havent heard any kind of response from the Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Upon reviewing my credit report I noticed several suspicious inquiries. This is a violation of the FCRA section 1681 ( c ) which constitutes as fraudulent activity and also breach of my privacy rights. Please provide A COPY of when I sent a written permissible purpose for every inquiry. This is needed in order to validate the inquiries. I did not authorize any employee by these companies to make any inquiry and view my credit report. Finally I demand an audit trail and production of my signature authorizing the inquiry. If you are unable to provide me this info in 3-7 business days, I demand you DELETE THESE DEROGATORY and Fraudulent inquiries from my consumer report in which I gave you no wet ink written consent to furnish!
Consumer complaint received 2022-07-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (CA)

My account was closed without notice last XX/XX/2021 ... They claim to have closed my account for identity concerns however to receive the two deposits I had on this account I had to verify both deposits and my identity before they allowed them to go through... And a third time just to activate the account ... After the second deposit a week or two after its when they closed my account with remaining balance of XXXX $ I've been trying ever since to get my money back they have requested a letter of indemnity in which I can't get because the depositor is no longer in business they even tried reaching out to depositor with no luck... So they told me the is no other option without that letter ... After calling over and over and being told so many different things that they will send me a check or go get s new card and call while I'm at merchant and they will transfer balance into new account none of which ever took place and was just a waste of time .... In order to talk to anyone it takes hours and hours of being on hold and hung up on many times .... Please help with this matter.. The company is net spend
Consumer complaint received 2021-12-29
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. (CA)

Upon receiving a copy of my consumer report. I seen there was numerous fraudulent accounts taken out of my name. I have contacted the consumer reporting agencies. I have contacted the creditors. I have done a FTC report XXXX report. With no resolution insight. I am a victim of identity theft. The situation has caused the great distress loss of sleep as well as Extreme damages Due to this fraudulent information being Furnished onto my consumer report
Consumer complaint received 2022-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services (MI)

In XXXX, I inquired with my lender ( ACS ) at the time regarding public service loan forgiveness. I was told I wasnt eligible because my wife and I earned too much and the balance of my loans would be paid off in 10 years with the income driven repayment amount. I then proceeded as of XXXX would never be an option for me. I continued to go to school part time while working from around XXXX XXXX. Because I was given advice that I was not eligible for XXXX, my loans were placed in deferment and forebearance while I was a XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ) I have periodically continued to make payments on my loans despite them being in deferment or forebearance. Note under the XXXX, none of those payments count because payments while in deferment/ forebearance dont count. All because I was told inaccurate information by my loan servicer at the time. I tried doing the responsible thing by keeping my balance lower while in school and none of those payments count! 
Additionally, I was a student at XXXX university pursuing my masters in educational administration. I was told those credits would transfer and they never did. I subsequently had to retake several classes when I moved across state lines!
Consumer complaint received 2022-03-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please CORRECT the account in my Credit Report : XXXX CARD XXXX
Consumer complaint received 2019-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY ()

Hi, I see an unauthorized charge on my credit card. 

It is regarding following transaction on my american express card : XX/XX/XXXX XXXX XXXX XXXX Foreign Spending XXXX ( XXXX ) DOING BUSINESS AS XXXX PROCESSED ON XX/XX/XXXX REFERENCE NUMBER XXXX Looks like some transport company in New York , American express is not able to provide exact details about the merchant. 

This dispute is of a billing error in the amount of [ {$380.00} ( XXXX INR ) ] on my account. The amount is inaccurate and seems like a fraud because I never authorized this charge, Could you please help investigating this matter and help me regarding the steps I need to follow to make the culprits pay for it. 

I have already raised concerns the same time I got a message of this charge to American Express. 
Need help to fight this dispute with the merchant as this is illegal transaction. 


I will attach the document I received from American Express regarding the prrof I asked for the transaction, it is a document generated by American Express and not a document from the Merchant as a proof of transaction. 

Thank you very much for any help you can provide to resolve this issue and stop such frauds by merchants and the company.
Consumer complaint received 2023-03-17
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. (PA)

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 2022-03-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please CORRECT the account in my Credit Report : XXXX CARD XXXX
Consumer complaint received 2022-03-09
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. (GA)

I've contacted this credit reporting agency on several attempts to have them fix the issues and the violations but they have yet to fix the issue and this is my final attempt to get them to fix the issue.
Consumer complaint received 2021-05-10
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)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.