davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-22
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: EQUIFAX, INC. (NY)

I have been a victim of identity theft due to my personal and private information being exposed in breach. I have since noticed many accounts applications and debt opened in my name that I have not permitted and have no responsibility of or prior knowledge. I have taken actual by reporting this theft to the local authorities and by filing an identity theft report to try to resolve this matter. I have contacted credit bureaus directly only to be told to contact the banks who then tell me to contact the credit bureaus. I need to have this issue resolved and my rights of FCRA to be upheld.
Consumer complaint received 2019-07-22
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. (NY)

I have been a victim of identity theft due to my personal and private information being exposed in breach. I have since noticed many accounts applications and debt opened in my name that I have not permitted and have no responsibility of or prior knowledge. I have taken actual by reporting this theft to the local authorities and by filing an identity theft report to try to resolve this matter. I have contacted credit bureaus directly only to be told to contact the banks who then tell me to contact the credit bureaus. I need to have this issue resolved and my rights of FCRA to be upheld.
Consumer complaint received 2019-07-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TX)

On XX/XX/XXXX, I received an Escrow Shortage Notice that required a payment of {$4700.00}. A Cashiers Check for the amount of {$4700.00} was mailed to their office on XX/XX/XXXX for the shortage. 
Another Escrow Shortage Notice was received on XX/XX/XXXX for an amount of {$4800.00}. Which is outrageous because I had just sent a payment in XXXX, XXXX and that payment was NOT noted or credited to the account from the Notice that was received in XX/XX/XXXX. 
WHERE IS THAT MONEY? 
I have attached copies of the XX/XX/XXXX Escrow Shortage, the Cashiers Check and XX/XX/XXXX Escrow Shortage, copies of Property Tax Statements that show an increase of {$210.00} from XXXX and a copy of the Declaration for Homeowners Insurance of {$2100.00}. 
I DEMAND this company to justify why I should expect to pay {$9600.00} in Escrow. 
Im paying double in Escrow than on my mortgage note!!
Consumer complaint received 2018-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NY)

My fianc was hurt on his job and we fell behind in bills, I had to choose between keeping roof over my head and food in the home of pay off my credit card bill. my balance on my chase card at the time I believe was {$5000.00} on one card and XXXX on a 2nd card I signed up for monthly payments so I wouldnt destroy my credit and I can pay down my balance somehow that program didnt go info affect and now my balance is almost {$10000.00} and all the payments I made didnt add up to anything,
Consumer complaint received 2018-06-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: LOBEL FINANCIAL CORPORATION (CA)

XXXX I received a letter from the finance company that I had no insurance on my car. I have had insurance since day one. I have had no lapse in it at all. I have faxed several times to the company and emailed. Along with the insurance company, the company and agent. I have called about 10 times to tell them the declaration has been sent. I have asked to speak with a manager and still nothing has happened. I have been told last week that it was manually put into the system but nothing has shown. I called once more XX/XX/2018 before XXXX XXXX. I asked if it showed that I have insurance and no. The person on the phone says no. I have been told there is no proof of insurance and they have the added insurance to the bill. I go online and it is now the 2nd month it has been added. I pay them at least 2 weeks in advance for the car loan. I can not get an answer from anyone or a call back. I had the agent also fax and email them. Nothing. I can not have this sent to collections for the insurance they added but do not need. I need help in getting this taken care of and they have not been helpful in resolving this. This is the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX
Consumer complaint received 2019-07-22
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: EQUIFAX, INC. (MS)

I'm upset because I went to purchase a car and did not qualify. This has been ongoing now for some time again there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX XXXX  : XXXX XXXX  : XXXX, XXXX Equifax : XXXX, XXXX : XXXX. XXXX XXXX XXXX Equifax : XXXX, XXXX  : XXXX, XXXX XXXX XXXX   Equifax : XXXX XXXX  : XXXX XXXX : XXXX, UNIVERSITY XXXX XXXX Equifax : XXXX.
Consumer complaint received 2019-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I have been lied to by XXXX XXXX Auto Finance. Here is what happen to me. I set up a payment plan with XXXX XXXX Auto Finance. They told me on a recorded line that my account will not show up late to all 3 credit bureaus if I accept the terms to make all my payments. When they explained this to me they spoke really fast like a car salesman/commercial. I asked them to repeat what they said and they spoke even faster. I trusted the person I was speaking to and took the deal. I took the offer and made all my payments, Then I checked to see that 3 late payments reported to my credit report.

I have contacted them several times about this manner and spoke to employee # number XXXX, XXXX XXXX XXXX and XXXX  at the president office. And they continued to lie to me about the late payments showing up on my credit report. And they never replayed the original recordings.
Consumer complaint received 2018-06-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

XX/XX/XXXX, at XXXX XXXX my friend attempted to wire me money for yesterday ( XX/XX/XXXX ) 's dinner through this application called XXXX. However, my friend notified me that an error prevented me sending the money to me, please see photo # 1. At XXXX, I tried to request money from my friend, then a message popped up saying my account has been frozen, please see photo # 2. At XXXX I called XXXX customer service and filled a claim with XXXX XXXX , please see photo # 3. I did some research online and found out that many people have experienced the same situation, I decided to close the XXXX account and withdraw the money, but it did not work and XXXX indicated that I have paid all my balance to XXXX, please see photo # 4 & 5. XX/XX/XXXX, XXXX, I received any E-mail from XXXX XXXX at XXXX saying that my account has been permanently deactivated, please see photo # 6. At XXXX, I spoke with XXXX XXXX from XXXX and filled another claim, I was informed by XXXX XXXX that the money in my account will not be returned back to me.
Consumer complaint received 2019-07-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FMA Alliance, Ltd. (LA)

FMA Alliance attempting to collect more money than creditor issued to this debt collector. FMA refused to provide information on the alleged debt.

Creditor also contacted FMA and FMA refused to discuss to creditor.

Additionally FMA managers were verbally abusive to parent of minor that debt was supposedly issued against.
Consumer complaint received 2018-06-26
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: EQUIFAX, INC. (NY)

I have a block on my credit report, I am trying to build my credit and I am sorry to say that I also have family members whom will use my name and information for their own personal gain, which I will all my information and service go to a separate address. As I said before I am trying to build my credit so I can buy a home ... however when I access XXXX XXXX I see all these inquiries on my credit I never authorized. I havent request or authorized any access since 2015 so all inquiries on my report should be gone but I have lots. I thought maybe I had removed the block but when my broker tried to access my credit he told me of the block on all 3 reporting companies ... so how was my records accessed so many times. I shouldnt have any new creditors after 2015 as well. So any and all information should be removed,
Consumer complaint received 2019-07-22
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. (NJ)

I have been lied to by XXXX XXXX XXXX XXXX. Here is what happen to me. I set up a payment plan with XXXX XXXX XXXX XXXX. They told me on a recorded line that my account will not show up late to all 3 credit bureaus if I accept the terms to make all my payments. When they explained this to me they spoke really fast like a car salesman/commercial. I asked them to repeat what they said and they spoke even faster. I trusted the person I was speaking to and took the deal. I took the offer and made all my payments, Then I checked to see that 3 late payments reported to my credit report.

I have contacted them several times about this manner and spoke to employee # number XXXX, XXXX XXXX XXXX and XXXX at the president office. And they continued to lie to me about the late payments showing up on my credit report. And they never replayed the original recordings.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2018-06-26
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: WELLS FARGO & COMPANY (MN)

Wells Fargo bank company use Social Security card number to open a personal credit card on my credit profile for XXXX XXXX XXXX and XXXX. They can close the account out with remark saying account closed by consumer. Resulting in downgrading my credit. Wells Fargo also close three accounts of checking business checking and savings and reopen them to further their portfolios. I've contacted Wells Fargo and have nothing but run around with entry-level position people at the call center is what language barriers. If I were to use on my Social Security card number open a credit card committing fraud I would go to jail nobody has gone to jail.
Consumer complaint received 2017-07-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation (IL)

In XX/XX/XXXX, I received notice of a use tax from XXXX County Illinois of {$200.00}. On XX/XX/XXXX, I sent a letter of dispute to XXXX County. I received no reply to this letter. In XX/XX/XXXX, I received a notice from Penn Credit representing XXXX County indicating that I now owed {$230.00} for the use tax. I paid them {$230.00} on XX/XX/XXXX. In XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX indicating that I owed {$52.00} ( {$2.00} tax plus {$50.00} interest and penalties ). An administrative hearing was scheduled for XX/XX/XXXX. I contacted the XXXX XXXX XXXX and disputed the charges with XXXX. She told me to send an email to XXXX XXXX of Penn Credit with all relevant information. I sent 3 emails on XXXX, XXXX and XX/XX/XXXX. I received no replies. I was unable to attend the administrative hearing because my wife was discharged from the hospital as a XXXX XXXX requiring 24 hour care. I have since received a letter effectively stating that I now owe {$100.00}. I am filing a complaint regarding Penn Credit for failure to provide timely and adequate information for me to resolve this dispute. They have been completely unresponsive to my inquiries.
Consumer complaint received 2019-07-22
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: EQUIFAX, INC. (NC)

Equifax failed to send me verification of a collection agency according to section 609 of the FDCPA. I want them to obey the law and remove the item ( XXXX XXXX XXXX  ).

According to Disclosures to consumers [ 15 U.S.C. 1681g Equifax is in violation of said section.

If they can't produce any/all evidence of collection agency, they must remove it from my file.
Consumer complaint received 2019-07-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (TX)

I have a reported debt on my credit that originated from XXXX XXXX XXXX ( XXXX XXXX ) I had moved out due to numerous floods in my bathroom and kitchen and other maintenance issues resulting in heavy damages. in almost 2 years I had over forty documented maintenance request. The grounds had also become extremely unsafe which resulted me in trying to defend myself. Despite numerous request to transfer units being denied by the office we moved.Shortly after a shoot out ensued making the news. I have encountered many different alleged balances to which I have tried to resolve with the apartments themselves who referred me to their corporate office. I have called the corporate office requesting a call back to discuss the matter hundreds of times and no follow up. I have requested the collections agency to validate this debt for me and they have failed to do so.
Consumer complaint received 2022-10-06
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 sent a letter out on XX/XX/XXXXXXXX XXXX XXXX XXXX to Experian, XXXX and XXXX. Here are my tracking numbers ; Experian : XXXX XXXX XXXX XXXX XXXX : XXXX According to the law 15 U.S. Code 1681i -Procedure In case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such a dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the dispute information is inaccurate and record the current status of the disputed information, or delete The item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2022-10-06
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 XXXX Accounts # - XXXX XXXX # XXXX - XXXX  XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX INQUIRES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 
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 fumish a account without my written instructions.

15 U.S.C 1666b A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2019-07-22
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: EQUIFAX, INC. (CO)

Equifax is reporting incorrectly a collection in the amount of {$6800.00} on the XXXX XXXX XXXX XXXX., partial account number XXXX. ( Please see page 10 of the attached credit report. ) This account does not belong to me and I have never heard of XXXX XXXX XXXX XXXX. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2019-07-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX, I mailed in a credit investigation request to the credit bureaus. By law, they are required to complete their investigations and respond with the result, within 30 days. As of today ( XX/XX/XXXX ), I have yet to receive my credit investigation results.
Consumer complaint received 2019-07-22
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: BARCLAYS BANK DELAWARE (CA)

Dear Consumer Financial Protection Bureau Someone had fraudulently created a credit card account with Barclays Bank and charged over {$5200.00} under my name and this amount has been over due for several months now. I do not bank with Barclays Bank. 

I have always paid my credit card charges on time and there has not been any arrears in payment unitil this incident. 

My credit score had always been high but because of the fraud, my credit reporting has plummeted to a very low level. I have contacted XXXX, XXXX and XXXX about this but nothing is being done. 

I have spoken to the fraud department at Barclays Bank and after investigation they have concluded I have been fraudulently charged. However to this date, nothing has been done to clear my name nor my credit report/score. 

I have recently found out that there was data breach by XXXX and they are being sued for data breach of confidential customer information. I strongly believe that I am one of the victims from this data breach. 

Please include me in your class action lawsuit against XXXX. I deserve some compensation because my credit and name had been tarnished. I have put in great deal of time and effort in trying to solve this fraud. 

Yours truly, XXXX XXXX XXXX, CA
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, PA XXXX XXXX, GA XXXX To Whom It May Concern ; I need clarification as to why are. you reporting certain information on my credit report. Please review the following : Account name : XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX  XXXX  YOU ARE REPORTING THESE ACCOUNTS AS CHARGED OFF YET, YOU ALSO REPORT A MONTHLY PAYMENT! DELETE ACCOUNTS IMMEDIATELY FOR INACCURATE REPORTING. 

After you finished my request, send me a copy of my credit report reflecting these changes. 

Thank You, XXXX : XXXX
Consumer complaint received 2019-07-22
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. (CA)

Dear Consumer Financial Protection Bureau Someone had fraudulently created a credit card account with XXXX XXXX and charged over {$5200.00} under my name and this amount has been over due for several months now. I do not bank with XXXX XXXX. 

I have always paid my credit card charges on time and there has not been any arrears in payment unitil this incident. 

My credit score had always been high but because of the fraud, my credit reporting has plummeted to a very low level. I have contacted Transunion, XXXX and TransUnion about this but nothing is being done. 

I have spoken to the fraud department at XXXX XXXX and after investigation they have concluded I have been fraudulently charged. However to this date, nothing has been done to clear my name nor my credit report/score. 

I have recently found out that there was data breach by XXXX and they are being sued for data breach of confidential customer information. I strongly believe that I am one of the victims from this data breach. 

Please include me in your class action lawsuit against XXXX. I deserve some compensation because my credit and name had been tarnished. I have put in great deal of time and effort in trying to solve this fraud. 

Yours truly, XXXX XXXX XXXX, CA
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I, XXXX XXXX, disputed errors on my credit reports from Equifax, XXXX, and XXXX. Despite providing details and an affidavit ( attached ), they failed to act. 

The credit bureaus ' inaction violates the FCRA. I request the CFPB investigate and instruct them to : Investigate each disputed item in the affidavit. 
Remove ALL inaccurate or unverifiable information. 
Notify me of the results within 21 days. 
Failure to act will prompt further action, including legal action or reporting the violation.