davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-28
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)

I was in the process of buying an ATV for summer fun. As I was looking for the one, I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualified. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. XXXX XXXX XXXX {$26000.00}
Consumer complaint received 2018-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

My mortgage is serviced by Wells Fargo ( WF ). In XX/XX/XXXX, I had to stop working due to illness. I reach out to WF for a loan modification approximately XX/XX/XXXX. They did a forbearance plan instead a permanent loan mod. Each forbearance was for 3-4 months and each time I had to reapply in advance. I did always. One forbearance period ended in XX/XX/XXXX. I had already applied for a loan mod and by XX/XX/XXXX, it was still pending with WF. I was told it was still under review, but told me I could not send any payments until they ( WF Underwriters ) made their decision. Towards the end of XX/XX/XXXX, they made the decision to continue with a forbearance plan and the next payment was due XX/XX/XXXX. I was specifically told I could not send in no other payment except for that in the forbearance & had to follow the plan. If not, the plan will be breached & I would be required to pay the full arrearages. Later in XX/XX/XXXX, WF, put on my credit report that I had a late payment for XX/XX/XXXX. I disputed thru the credit Bureau & WF.  Explained to them, that because our case was under review, they refused any payments until they agreed to a plan. Once completed, they instructed me to make a payment starting XX/XX/XXXX. I remained under forbearance until XX/XX/XXXX, never missed a payment or defaulted under the forbearance plan. You can never continue in a new forbearance plan if you are default from the previous. However, WF, still has a late payment on my Credit file ( over 420 days ) & refused to  resolve this matter. For this reason, I am unable to refinance or get help from another financial lender. The loan has been under review with the underwriters since XX/XX/XXXX, & still no decision. In the meantime, no payments or being made or accepted by WF until the review is finalized. They are sending someone to inspect the property on XX/XX/XXXX before they make a determination. WF has been unorganized, added false info to my credit report, not reporting correctly of our agreed forbearance amounts/plan & they are showing all our agreed payments as unapplied. Numerous attempts have been made to resolve this matter but they have been unprofessional, uncooperative, & refused to correct or remove this derogatory info. It has negatively impacted me to move forward with restoring my situation. As of now, my case is still pending since XX/XX/XXXX. WF says the review takes 7-10 days, but it's been 60+ days, still no determination on their part. So we are helpless and continue to fall behind due to their unfair business practices & handling of my loan. As a veteran of the XXXX XXXX & the XXXX XXXX XXXX, I am appalled that they are able to treat our service men & woman this way & get away with it.
Consumer complaint received 2018-10-15
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. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX , XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX/XXXX XXXX , XXXX/XXXX  XXXX, XXXX XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : 05 XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : 07 XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX/XXXX   XXXX, XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX   XXXX XXXX ) XXXX , XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX/XXXX XXXX XXXX
Consumer complaint received 2024-03-31
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management (GA)

I sent a debt validation letter ( attached ) to the debt collector in XX/XX/2024 and XX/XX/2024. I received no response either time. This company has not proven this debt belongs to me and the burden of proof of this debt belongs to them.
Consumer complaint received 2022-08-26
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: Experian Information Solutions Inc. (TN)

XXXX XXXX XXXX '' IS MY ONLY TRUE NAME I WOULD LIKE THE FOLLOWING NAME ( S ) LISTED REMOVED FROM MY CREDIT REPORT. " XXXX XXXX XXXX '', " XXXX '', '' XXXX '', '' XXXX '', " XXXX XXXX '', " XXXX '' XXXX XXXX XXXX XXXX TN XXXX IS MY PHYSICAL ADDRESS, I WOULD LIKE THE FOLLOWING INCORRECT ADDRESSES ATTACHED TO NAME " XXXX XXXX XXXX '' TO BE REMOVED FROM MY CREDIT REPORT. XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, NV XXXX ; XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX United States THESE ADDRESSES LISTED COULD POTENTIAL REFERRING TO MY FATHER, " XXXX XXXX XXXX XXXX '' WHO I INHERITED THE NAME FROM. I WOULD LIKE FOR ALL INCORRECT INFORMATION TO BE REMOVE IMMEDIATELY. 15 U.S.C. 1681 ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15 U.S.C 1681s-2 ( 8 ) Ability of consumer to dispute information directly with furnisher 15 U.S.C. 1681 section 602 States I have the right to privacy 15 U.S.C 1681i ( 1 ) Reinvestigation required 15 U.S.C 1681i ( 5 ) Treatment of inaccurate or unverifiable information 15 U.S.C 1681l Restrictions on investigative consumer reports 15 U.S.C 1681 section 604 A : it also states consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-07-28
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. (WA)

EXPERIAN is allowing a Corporate Credit Card to report on my Personal Credit. Upon advising them to remove it, they did not! It is a business-related corporate credit card, not a personal credit card. 

If it is not removed, my intentions are to sue any and all liable parties that insist on maliciously and intentionally sabotaging my personal, flawless credit history. 

The account in question that I am disputing : Creditor : XXXX card Report # XXXX Thank you.
Consumer complaint received 2022-07-22
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  account XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Consumer complaint received 2020-07-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC (FL)

I live in Florida and I'm being affected by COVID 19. My husband and I are XXXX XXXX XXXX and have not been able to work full time since XX/XX/XXXX 2020. In XXXX I asked for a deferred payment and was given only 1 month. They don't offer more than 1 month. I made payments in XXXX, XXXX, XXXX, and XXXX and a partial payment for XXXX. Today XX/XX/XXXX, I called and asked for a payment extension for 1 month and was told that even though I'm being affected by COVID19 they can not help me because of company policies even though they claim your account need to be 20 days past due for an extension to be offered. 

It seems West Lake Financial has made up regulations to block customers from receiving help due to financial hardship. They claim you need to be 20 days past due to receive help but when you call them, they say you don't qualify because of another rule/policy. So there are company policies that override other policies in an effort not to offer assistance to customers. The aim is for customers to become so far past due that they could repossess their vehicles. 

I think this policy is wrong and they should be investigated for not treating customers fairly. 

Westlake Services , LLC ( dba Westlake Financial Services ) : ( XXXX ) XXXX
Consumer complaint received 2020-07-28
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. (LA)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2018-07-23
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. (AL)

I DISPUTED INFORMATION WITH TRANSUNION AND XXXX AROUND XX/XX/2018 REGARDING XXXX. ALTHOUGH I SENT IN RECEIPTS SHOWING PAYMENTS AND PAYMENT DATES AND A LETTER STATING THAT XXXX  HAD ALLOWED PAYMENT ARRANGEMENTS TO BE MADE, THE CREDIT REPORTING COMPANIES DID NOT UPDATE MY INFORMATION STATING THAT XXXX   STATED THAT THE INFORMATION IS ACCURATE. IN ADDITION, IT DOES NOT STATE IN MY TRANSUNION THAT THE INFORMATION HAS BEEN DISUPTED. 

AS A RESULT OF THE MISREPORTING OF THIS INFORMATION, MY CREDIT SCORE FELL FROM XXXX TO XXXX.
Consumer complaint received 2022-07-22
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Consumer complaint received 2020-07-28
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. (LA)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2024-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST NATIONAL BANK OF OMAHA (MD)

I have tried multiple times to show them that my trip was cancled XXXX the remaining XXXX is fraud i have sent email after email and they still keep saying i owe money i also have tried contacting original issuer they say they cant verifiey my identity they said i set up pass code and i did not i also have sent them email after email and email cancelation of trip and still nothing!!
Consumer complaint received 2024-03-22
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CREDIT ACCEPTANCE CORPORATION (TX)

I got diagnosed with XXXX XXXX XXXX, so the monthly payment of XXXX was to much for me to continue to pay so iv asked to lower my payments due to not working as much, XXXX, an my XXXX XXXX. A still havnt received an answer. I financed my used XXXX  XXXX XXXX at 23 % interest rate the cost of the truck was only XXXX its worth XXXX an with after interest it came out to XXXX which is crazy but I need a vehicle so I was desperate an I was a first time buyer at the time of purchase. I need help
Consumer complaint received 2022-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (GA)

On XX/XX/2022 I scheduled my regular monthly payment with Discover, my due is the XXXX but I pay early. I have been a card user nearly a year and Ive never missed a payment or have any issues with my account. After being notified that my banking account had been compromised, I gave Discover a call immediately ( XX/XX/2022 ) to submit a new payment and cancel the the previous transaction. I was told that the payment had been successful and that my balance was {$0.00}, and there was no need to submit additional payments. On ( XX/XX/2022 ) after closing out my bank account I noticed that Discover returned my payment. I called them immediately and was told I can just submit another payment and that it wouldnt adversely affect my account. During the call with the Discover, I disclosed that I was a XXXX veteran and that this was a XXXX situation. The representative guaranteed me that my account was in good standing and I shouldnt worry. Discover accepted and posted my payment ( XX/XX/2022 ). On XX/XX/2022 I received a bot call from what I assumed was a scam caller, the bot said my Discover account had been suspended and to check my email and sign a document for income verification. I immediately called Discover and was transferred to the verification department. The representatives were extremely unprofessional and rude and refused to explain to me why my account had been subjected to this request. After being transferred back and forth I was finally able to speak with someone who informed me that the request came from an outside party and that Discover legally had to verify my income. They wouldnt disclose who this other party was but stated that I could submit 3 bank statements and a notarized letter and submit it to them, since I dont have taxable income. I truly believe that Discover targeted me and discriminated against me because of my XXXX. Ive never experienced any problems with Discover until I disclosed my health/ income information with them.
Consumer complaint received 2020-07-28
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (WI)

Mortgage process horrible, from start to finish. You can never get a hold of your loan officer. I get a pre-approval letter. I get a accepted offer, but backed out because of inspection. I got the price down XXXX less than my pre-approval. I signed accepted offer & seller is asking for XXXX earnest money. Loan Officer even asked for appraisal money the 1st time, now her supervisor tells me I'm disapproved? I'm waiting for the letter to why, meanwhile I'm supposed to close on the house in a week, and maybe reliable for the earnest money of XXXX dollars. I was sent a pre-approval for XXXX about a month ago.
Consumer complaint received 2022-08-26
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. (TN)

XXXX XXXX XXXX '' IS MY ONLY TRUE NAME I WOULD LIKE THE FOLLOWING NAME ( S ) LISTED REMOVED FROM MY CREDIT REPORT. " XXXX XXXX XXXX '', " XXXX '', '' XXXX '', '' XXXX '', " XXXX XXXX '', " XXXX '' XXXX XXXX XXXX XXXX TN XXXX IS MY PHYSICAL ADDRESS, I WOULD LIKE THE FOLLOWING INCORRECT ADDRESSES ATTACHED TO NAME " XXXX XXXX XXXX '' TO BE REMOVED FROM MY CREDIT REPORT. XXXX XXXX XXXX CT, XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, NV XXXX ; XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX United States THESE ADDRESSES LISTED COULD POTENTIAL REFERRING TO MY FATHER, " XXXX XXXX XXXX XXXX '' WHO I INHERITED THE NAME FROM. I WOULD LIKE FOR ALL INCORRECT INFORMATION TO BE REMOVE IMMEDIATELY. 15 U.S.C. 1681 ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15 U.S.C 1681s-2 ( 8 ) Ability of consumer to dispute information directly with furnisher 15 U.S.C. 1681 section 602 States I have the right to privacy 15 U.S.C 1681i ( 1 ) Reinvestigation required 15 U.S.C 1681i ( 5 ) Treatment of inaccurate or unverifiable information 15 U.S.C 1681l Restrictions on investigative consumer reports 15 U.S.C 1681 section 604 A : it also states consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-02-12
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. (VA)

Request for immediate and urgent removal of the following unauthorized/unrecognized/unwarranted inquiries from my XXXX, XXXX and transunion credit reports. 

XXXX ... ... ... ... ... ... XXXX XX/XX/XXXX XXXX XXXX ... ... XXXX XX/XX/XXXX XXXX XXXX ... ... ... ... XXXX XX/XX/XXXX XXXX XXXX  ... ... ... ... ... XXXX XX/XX/XXXX XXXX  XXXX ... ... ... ... XXXX XX/XX/XXXX XXXX XXXX Dealer ... ... XXXX XX/XX/XXXX XXXX XXXX ... XXXX XXXX XX/XX/XXXX XXXX  XXXX  co XXXX XXXX XXXX XX/XX/XXXX XXXX ... ... ... ... ... ... ... ... ... ... XXXX XX/XX/XXXX XXXX  XXXX  XXXX  ... ... XXXX XX/XX/XXXX XXXX  XXXX  XXXX  ... ... ... XXXX XX/XX/XXXX XXXX  XXXX  XXXX ... ... XXXX XX/XX/XXXX XXXX XXXX  ... ... ... ... ... ... ... ... XXXX XX/XX/XXXX XXXX  mortgage Serv ... XXXX XX/XX/XXXX XXXX Auto finance ... ... ... XXXX XX/XX/XXXX Action taken by me : All accounts are in dispute. Thanks for your prompt assistance.
Consumer complaint received 2018-05-03
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. (CA)

I am a victim of victim of identity theft and fraud. My XXXX XXXX  account was subjected to fraudulent activity, I applied for the card but never received the first card. That card was stolen from my mailbox and incurred fraudulent charges without my knowledge in XX/XX/XXXX-XX/XX/XXXX. I have in no way benefited from the account, neither did I authorize the use of my personal information. I am not able to identify a suspect. I have attached a copy of my ID to prove this. I have filed a ID Theft report and reported the matter to the authorities. Last XX/XX/XXXX, I  faxed my FTC report, copies of my IDs and a letter requesting to this company that the incorrect, fraudulent, derogatory information resulted from fraud/identity theft be removed from my report and asked this company to comply with FCRA 605B, which requires credit reporting agencies and creditor to block such information resulted from Identity theft. It is already the XX/XX/XXXX  and nothing has been done. Attached to this complaint is a copy of what has been sent to them last XX/XX/XXXX and what I sent them again todayXX/XX/XXXX ( sent them another request and a NEW FTC report and my IDs ). I am willing to take this further and am filling up an XXXX ( Small Claims ) to have it ready to be filed if this issue still continues and if this company will still not comply with FCRA.
Consumer complaint received 2022-02-18
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. (GA)

Sent a letter to TransUnion to remove two outdated accounts off my credit report from XXXX XXXX XXXX account # XXXX statute of limitation six years. The second account # XXXX statute of limitation four years. Instead, I received a letter stating that they believe that I'm using a credit repair company. ( Documents attached ).
Consumer complaint received 2018-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

Opened AmEx Delta card in XXXX 2017, complied with the requirements to have XXXX bonus miles. Never got the bonus miles. Speaking with them for 9 months now, " glitch on our end, we are working on a fix, will be fixed SOON, give it another 4 weeks, etc ... '' getting a runaround ... Can't talk to the team working on the case.
Consumer complaint received 2022-07-22
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. (GA)

XXXX is a Collection agency and has reported to all Credit reporting agencies false info. Both them and the XXXX have failed to provide the XXXX and or Bases for the Collection. All 3 agencies have reported derogatory information based on this lack of communication. ONly Equifax has motivated them to retract the negative information and or collection. Still the derogatory history remains on my credit. please assist. I can send you the XXXX of Equifax response.