davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-03
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: 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 XXXX has me at a score around XXXX. 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 XXXX 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX 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 XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

Since XXXX I have been trying to get the bureaus to do their job well since I have sent them notifications to please correct some errors in my credit report, I know that by law they should have done this in 45 days maximum, however until the moment I have been ignored. 

Also many creditors who have already sold the account to collection agencies continue to harass me trying to collect, according to my knowledge this should not be like that, the credit bureaus should regulate it
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 2022-02-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

Here we go again ... ... .Loan care blatantly misplacing money. I got a foreclosure notice in the mail because they have misplaced the payment made on XX/XX/2022. My loan is not in default and not behind more than 30 days, don't worry though they already submitted it to my credit report, because why would it matter to them right?? They pocketed the money just like they have numerous times before. 

Attached are my bank statement and their " statements ''.
Consumer complaint received 2022-02-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (CA)

I have an issue with a prepaid visa card that I purchased at XXXX in XXXX of XXXX. Upon trying to use it for the first time there were already unknown charges attached to the card that I did not make. I called customer service who sent me an dispute package and I filled it out and emailed it back. When I did not hear from them I called again and they told me it was never received so another email was sent and confirmed XX/XX/XXXX. To date no resolve has been applied to my dispute and every time I call the call is outsourced to another country and the language barrier makes it impossible to get any clarification. There is no direct number to the dispute dept available and all I want is my gift card replaced.
Consumer complaint received 2022-02-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (GA)

Forbearance needs to count towards XXXX- so many had to go into forbearance because they were unable to make the payments due to working in lower paying jobs, therefore missing out on months of possible payment counts for XXXX. MAKE FORBEARANCE COUNT
Consumer complaint received 2022-02-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2018-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

I requested a copy of a contract from Equifax between be and the original creditor proving the debt reported belong to me. showing the original amount explaining the unpaid amount and for what. F C R A consumer reporting agency require notification I never receive notification are explanation. I requested the information a number or times all I ask is proof or the debt and the reason. are remover the incorrect information from my file as stated by law. information in question XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX   XXXX XXXX.
Consumer complaint received 2022-12-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. (FL)

I received a Vanilla {$50.00} gift card and was told by Vanilla that it was used by someone else, which makes no sense since I have the card in hand. I asked that they send me a replacement, which they would not, so now I am out {$50.00}. I have tried to call them again, as when I tried to check the balance online ( says there is a system error and to try again later, which I have done a few times ) and I have gotten hung up on XXXX times. Called a fourth time and I have been on hold for over XXXX minutes now ( XXXX, XXXX, XXXX ). All I am asking for is a replacement to be sent by Vanilla directly, as the card was purchased at XXXX and may have been stolen from there as soon as it was activated. XXXX says there is nothing they can do ). I am hoping you can reach out to Vanilla to get this resolved for me. Thank you.
Consumer complaint received 2022-12-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (HI)

About a year to two years ago, I began receiving statements from Amsher Collection Services about an unpaid debt from XXXX. These debts were in the {$300.00} to {$400.00} range, and have since reached about {$500.00}. I have not ever had an account with XXXX for any services, as my cellular services were with XXXX until about a decade ago when I switched to XXXX for cellular services. A couple of months ago, this debt began to show up in my credit reports at the XXXX, XXXX, and XXXX. I have since had issues obtaining some lines of credit as a result of this issue. I have attempted to work with XXXX to get information on the alleged account but been unsuccessful. On XXXX, I attempted to work with AmSher Collection Services but they had already turned over the account to the XXXX XXXX XXXX XXXX. I have no definitive proof that I did not have a XXXX account, which makes this issue especially difficult to prove.
Consumer complaint received 2022-02-23
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. (IL)

I have two fraudulent auto loans on my credit report that the credit bureaus refuse to remove. One from XXXX XXXX XXXX and the other from XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-13
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2019-07-30
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. (CO)

XXXX is reporting incorrectly to Equifax and XXXX a collection in the amount of {$130000.00} on the XXXX XXXX partial account number XXXX. ( Please see pages 11 and 12 of the attached credit report. ) I have tried numerous times to obtain from XXXX documentation showing proof of this debt. I have not had any response nor have I received any documentation proving this debt belongs to me. This incorrect reporting of this collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to fix this, however I have not been successful.
Consumer complaint received 2015-11-16
Product: Credit card — 
Issue: Advertising and marketing — 
Company: WELLS FARGO & COMPANY (NY)

XX/XX/XXXX, I applied for a secured card from Wells Fargo, and was approved. The secured card fee is {$18.00} per year. I was told numerous times that as long as I paid on time, and had my account in good standing, that my account would be reviewed every six months ( XXXX and XXXX ), and that I would be eligible for my secured card to " graduate '' to an unsecured card within a year as long as I maintained positive history with the bank. 

It is now almost XX/XX/XXXX, and while my credit score has improved drastically, and I 've been given XXXX additional credit cards - XXXX from XXXX XXXX, another from Wells Fargo ( which is unsecured ), Wells Fargo refuses to graduate my card to unsecured status. Additionally, Wells Fargo has, several times, increased the limits on both the secured and unsecured card, yet, they will not graduate my card, instead keeping my deposit, and charging me a yearly fee to remain a cardmember. This is fraud on their end, as I would have never signed up for the card if I had no possibility of being graduated within a reasonable period of time. Each year I 've had to pay an {$18.00} fee - for the first year ( XX/XX/XXXX ) this was acceptable, but for subsequent years ( especially after Wells Fargo had deemed me creditworthy enough to issue a *completely new, unsecured card* ), I should not have been billed {$18.00} and my card should have graduated. I 've now spent {$72.00} in fees ( {$18.00} x XXXX ) on a card that, I was told when I applied, would be graduated within 6 month - 1 year as long as I remained in good standing and paid on time each month.
Consumer complaint received 2018-08-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I have this is the third time I have complained about XXXX XXXX XXXX XXXX # XXXX, THEY HAVE NOT SENT ME ANY DOCUMENTATION OTHER THAN A STATEMENT WITHOUT ANY SIGNATURE OR CONTRACT BARING MY NAME. THIS IS MY NOTICE OF INTENT TO FILE LAW SUIT. 
THE SAME AS CASE " XXXX XXXX XXXX XXXX V.S XXXX XXXX ( 2014 ) NO. XXXX. I DO NOT WISH TO DO ANY BUSINESS WITH XXXX XXXX XXXX XXXX. THEY ARE.. what is known as a debt collector and debt buyer. Debt buyers are a type of debt collector who do not lend money or issue credit cards, but who instead purchase defaulted consumer accounts in order to collect and file lawsuits on them. They have no documentation to prove that they owe the debts. Regardless of what documentation they have, the must still comply with the federal Fair Debt Collection Practices Act, they have not.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

THE FOLLOWING ACCOUNTS WERE USED UNAUTHORIZED. IT AFFECTS MY CREDIT REPORT. 
XXXX. XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. FACTUAL DATA The Inquiry was reported on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXXXXXX XXXX XXXX  The Inquiry was reported on XX/XX/XXXX XXXX XXXX XXXX  The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX The Inquiry was reported on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Inquiry was reported on XXXX, XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Inquiry was reported on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX XXXX  The Inquiry was reported on XX/XX/XXXX I am requesting the following addresses to be removed from my credit file immediately : 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 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Its been over 30 days since I completed my fourth complaint to the credit bureaus all three of them regarding inaccurate information reporting on my credit profile. I have not received a response from them. In regards to a bankruptcy and several other items that are being reported unverifiable and incorrectly.
Consumer complaint received 2022-02-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (MD)

In XXXX I received notification that two accounts were opened in my name and using my social security number at BB & T. I contacted the bank and informed them of the issue... one account had been opened in TN and one in TX with my name and address associated with it. I contacted BB & T fraud department and was assured that they would close the accounts. I also contacted the XXXX XXXX Police Department and filed an identity theft report Report NumbeXXXX XXXX. I froze my credit. 

Today I received a bank statement from Truist for account " Truist XXXX Checking XXXX '' which shows a balance of {$110.00} with monthly maintenance fee of {$12.00}.
Consumer complaint received 2021-07-25
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (SC)

I am the wife of a military XXXX and the loan was approved/provided without knowledge. Not sure how. But can this be removed/ resolved. 

NCA Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account No. : XXXX High Balance : XXXX Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Balance : XXXX Condition : Derogatory Responsibility : Individual unkown unkown unkown unkown Remarks :
Consumer complaint received 2022-02-22
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: U.S. BANCORP (MI)

I had a credit card account with Elan Financial that was opened XX/XX/XXXX. I used this account while in college and my grandfather was a co-signer on the account. In XXXX, my credit card expired and a new card was never re-activated. Unknowingly to me, there were auto-charges for {$200.00} on the account that were still be executed by XXXX and another company I do not recall. These bills were being sent to my grandfather 's office in XXXX and were being paid. In XXXX, his office was sold after he passed away and a forwarding address was provided for mail that was delivered to that location. These charges were again executed in XX/XX/XXXX and I never received a bill or notice of late payment from XXXX or ELAN financial. I found out about the pending charges via a notification from XXXX XXXX that my credit score had reported. I immediately paid the bill in XX/XX/XXXX and closed the account. I then sent a dispute letter to the ELAN financial regarding the charges that were made on an inactive credit card and explaining that I never received a bill or notice of late payment to the forwarding address for my grandfather 's office. To this day, I still have yet to receive correspondence regarding confirmation that the bill was paid, which I requested the day I paid the bill and an additional time I called to follow up. According to XXXX, XXXX and XXXX they have reported the account was closed but continue to report the account balance at {$270.00} ( principal charges and fees ) which I have confirmed is not true. Further, my dispute letter was sent to ELAN financial in XXXX of XXXX and I have yet to receive any response to my dispute to the address I provided.
Consumer complaint received 2021-12-22
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION (IN)

After multiple attempts, credit acceptance has willfully violated the FDCRA by not verifying debt and other FDCRA laws. After contacting multiple times, debt owed has not been verified. Also, the contract violated multiple FDCRA laws that was refused to acknowledge. Some of these as follows : 5 USC 1681 ( a ) -2 15 USC 6823- 15 USC 1602 defines finance charge ( a ) Finance charge 15 USC 1692 15 USC-1681 ( b ) My finance charge was supposed to include auto insurance which the company refused to provide proof of.
Consumer complaint received 2022-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

The account or accounts listed below are reporting delinquencies which are inaccurate. The Creditor failed to make corrections within the time frame the payment was made. I have made several attempts to get the inaccurately reported late payments Deleted or Removed. 

XXXX XXXX Experian XXXX Account # : XXXX -- XXXX High Balance : {$120000.00} -- {$120000.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX -- XX/XX/XXXX Date Reported : XX/XX/XXXX -- XX/XX/XXXX Date Opened : XX/XX/XXXX -- XX/XX/XXXX Balance Owed : {$0.00} -- {$0.00} Closed Date : XXXX -- -- Account Rating : Closed -- Paid Account Description : Individual -- Individual Dispute Status : Account not disputed -- Account not disputed Creditor Type : Bank -- Mortgage Companies Account Status : Closed -- Closed Payment Status : Late 60 Days -- Late 60 Days Creditor Remarks : Closed -- Closed or paid account/zero balance Real Estate Mortgage Payment Amount XXXX {$0.00} XXXX {$0.00} Last Payment : XX/XX/XXXX -- XX/XX/XXXX Term Length : XXXX ( XXXX ) -- XXXX ( XXXX ) Past Due Amount : {$0.00} -- {$0.00} Account Type : FHA real estate mortgage -- Real estate mortgage Payment Frequency : Monthly ( every month ) -- -- Credit Limit : -- -- -- Two-Year payment history XXXX Experian NONE REPORTED XXXX Days Late - 7 Year History XXXX Experian XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : -- XXXX : -- XXXX : -- XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX {$410.00} {$410.00} {$800.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} {$0.00} {$0.00} Closed Date : XXXX -- -- Account Rating : Paid Paid Paid Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account not disputed Creditor Type : Finance/Personal Credit Card - Dept. Store Sales Financing Account Status : Closed Closed Closed Payment Status : Current Current Current Creditor Remarks : Canceled by credit grantor Account has been closed due to inactivity. 
Closed or paid account/zero balance Charge Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : -- -- -- Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type : Charge account Charge account Charge account Payment Frequency : -- -- -- Credit Limit : {$800.00} {$800.00} -- Two-Year payment history XXXX Experian XXXX Days Late - 7 Year History XXXX Experian XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX