davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-17
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: WELLS FARGO & COMPANY (FL)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2022-10-20
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-10-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BRite Financial Services, Inc. (MI)

In XXXX of 2017, I leased a car from carite but a bank named brite financial gave me the loan. I was at a fresh credit and was still charged an enormous amount of interest, I was paying {$400.00} at XXXX XXXX XXXX XXXX. I was given an job loss preventation program that I find out was a lie years later. The car was messing up within the first 30 days and I was guaranteed an fix and the company denied to fix the vehicle I couldnt return my car or anything within the first 30 days so they knew I was stuck with a bad car. I lost my job while working full time and attending school. I expressed that to the repo manager at the time and she took my car because I was being disrespectful and I was also in a private property which they broke a state law. They have multiple errors on my credit and both bureaus refuse to remove the account from my credit report.
Consumer complaint received 2023-01-03
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. (AZ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXXXXXX XXXX XXXXXXXX, Account name : 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 furnish a account without my written instructions15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-18
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. (CA)

Improper use of my credit report is at the hands of TransUnion. I have never validated this debt and I am the original creditor. I do not consent to any of the alleged accounts and demand by that you TransUnion comply!
Consumer complaint received 2023-03-18
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: Bread Financial Holdings, Inc. (MT)

We have recently relocated w/ my spouses career of 39 years. During that time I several instances of attempted fraud. We were able to thwart the other attempt. I got notice of a balance on a credit card that had XXXX balance ( I have no credit card debt ) I lost ce in Montana but charges were made for gold & jewelry from a town in Texas for {$6500.00}. Ive never been there, know anyone there, never want to go there! This Sony Visa card issued by Comenity Bank had been in my wallet for 20 years, I used it sparingly and have always paid the balance even before billing! Ive sent them two certified letters, a local police report, called them at least 12 times and still they persist feigning that Im not communicating! This thief in Texas used his own name and address to make these purchases and has been identified as the perpetrator! The Billings Police Dept, report # XXXX the investigation officer called me personally and said this person was caught doing the crime!! This company continues to harass me daily, calls, emails saying its my debt, Its NOT. Im an older women in my 60s and quite uncomfortable w/ detailed tech knowledge, This company is putting us through XXXX trying to force us to pay this card charges that are NOT ours! Very depressed and disillusioned, scared! We need help! Theyre destroying our hard earned financial life!
Consumer complaint received 2023-03-18
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (IL)

I have blocked but continue to call multiple times. 
XX/XX/23 XXXX XX/XX/23. XXXX XXXX, XXXX, XXXX XX/XX/23 XXXX, XXXX, XXXX Never applied in past have called continuious times and woke me @ XXXX
Consumer complaint received 2023-03-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (PA)

I would like to draw your attention to XXXX XX/XX/2022- I had sent my complaint letter to Crypto.com, in which I clearly stated how this scam has affected me personally, psychologically and financially. I am afraid I have had to go through so much " bureaucracy '' thus far in order to catch their attention to my concerns. This really doesn't show their complaints department in a good light, to say the least ; and certainly, does not contribute to my overall satisfaction and peace of mind. 
Between XXXX XXXX XXXX  I fell victim to XXXX multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my XXXX XXXX XXXX XXXX XXXX account to fraudulent investment firm ( s ).
Consumer complaint received 2022-10-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNSYLVANIA HOUSING FINANCE AGENCY (PA)

XXXX XXXX hit my family hard and as of today we are still struggling way to much and we got XXXX  again! I have XXXX currently working on paying the back balance that processes they do to get this done takes forever but they are in the 2nd and final stage then paying the back amount will be paid soon! My mortgage company XXXX have been told this already and have been given then account number and they told me awesome great because they know I'm in this program with the XXXX  and XXXX  can't wait they want want want and the hell with that! I'm struggling my husband is still.out of a job 2 kids family of 4 and I'm almost am about to XXXX XXXX XXXX  to become an XXXX and now XXXX are being ridiculous! XXXX  is taking care of this but anything else that can help me get through I will.sign up for!!!!
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case, How did the credit agencies verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit agencies violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-14
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: Chime Financial Inc (FL)

I have contacted Chime ( XXXX ) several times since XX/XX/XXXX regarding the XXXX XXXX XXXX  I had loaded the card with {$150.00} and only used {$120.00} which was paid in full before the billing cycle was complete. I continued to receive emails and notifications that my payment was past due and that my card had been deactivated. 

I spoke with several agents who advised me to simply make the payment again then transfer the funds to my checking and simply not use the card and this would not continue to happen nor would my credit be affected. 

This Monday XX/XX/22 I checked my XXXX XXXX account and to my surprise my credit score had dropped XXXX points because of late payment referring to the Chime XXXX XXXX XXXX. I spoke with a rep immediately that day to express my frustrations as I had called several times from XX/XX/22 until this point because despite what the reps told me I continued to receive emails saying my payment was past due. I was told to disregard those emails and that nothing would be reported. On my call on XX/XX/22 the rep told me someone from their team would be contacting me within 24 hours to resolve this issue. I have yet to be contacted.
Consumer complaint received 2023-03-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (AL)

I purchased an item from XXXX XXXX on XX/XX/XXXX and did not receive a statement until XX/XX/XXXX and it had late fees and an interest charge. I called and told them I had not received a statement and they waived the late charge, but I paid the interest and the payment on XX/XX/XXXX with my debit card over the phone. I have bought nothing with this card since then. I have had no correspondence with them since XXXX of XXXX. On XX/XX/XXXX I receive a bill from Comenity Bank for {$96.00} and it is nothing but late fees and interest charges. I call on XX/XX/XXXX and talk to XXXX and she tells me she will waive the late fees, but I will have to pay the interest of {$11.00}. I did not want to do it over the phone and was going to do it online so I would have a time stamp of payment. The only way to do that was with my checking account and I was not giving them that information. I called back and got XXXX and now it is {$15.00} that I owe, and he will waive the late fees. I am frustrated and pay it and ask for this card to be cancelled. I look online and my payment is pending yet I did this on XX/XX/XXXX and it did not show up on their site as paid until XX/XX/XXXX, but shows on their site as XX/XX/XXXX and all the other charges are still on the account. I call back and get XXXX XXXX and he want to know if I want to make a payment. I explained it all to him again and he says he will take care of it and I told him I wanted this card cancelled and he said he had put in a request to do so. I told him I better not get another bill and he said I would and there would be a {$1.00} charge and to call back and he will take care of it. This is a never-ending problem with this credit card. I paid {$15.00} I did not owe. This company is stealing from its card holders
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$130000.00} XXXX  XXXX Balance Owed : {$130000.00} XXXX XXXXXXXX Balance Owed : {$130000.00}
Consumer complaint received 2022-12-14
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. (VA)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2023-03-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio (FL)

During routine review of credit report found account from Vance and Huffman. Contacted company verbally and requested debt validation. I was told to submit a dispute in writing for debt to be resolved. Company did not provide debt validation. Followed with XXXX certified letters which company signed for. Both certified letters requested debt validation as required under Fair Debt Collection Practices Act. Have followed with multiple phone calls as debt validation was not provided. Company did not send dunning letter as required informing me of right to dispute prior to placing debt on credit report. Rights under the FDCPA have been violated.
Consumer complaint received 2018-04-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (MN)

National Credit Adjusters placed a collection account on my credit report XX/XX/XXXX. 
I called the company within days after finding this inquiry on my credit report and requested information about the collections ; was told it was from XX/XX/XXXX. I advised the rep that I was XXXX at the time and also stated this is a fraudulent account and requested it be removed-I was advised by another rep that they talked to someone other than me within my household about this debt on multiple occasions and was told that they will not remove this account. 
Upon reviewing my XXXX report a little further, I have seen multiple payday loans taken out in XX/XX/XXXX which are NOT mine and I have no knowledge of, but these have not been reported as collections. 
I have sent a request to the credit bureaus requesting investigation on removing this account from my credit report. 
I have also made a Consumer Complaint to the FTC regarding Identity Theft.
Consumer complaint received 2021-11-11
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. (CA)

I am XXXX XXXX and I am submitting this complaint myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  XXXX - Inquiry : XX/XX/2020 ; XXXX XXXX XXXX - Inquiry : XX/XX/2020 ; XXXX XXXX XXXX XXXX - Inquiry : XX/XX/2020
Consumer complaint received 2024-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION (MD)

On XX/XX/XXXX a letter was sent to me that outlined what M & T Bank described as an Escrow Shortage which would amount to me paying almost an additional {$500.00} in my Mortgage payment. 

From looking over the paperwork nothing made sense. All of my payments from when I purchased the home have consistently been paid in full and on time. I could not understand how there would be a shortage in the escrow if all payments have been made. 

I reached out to speak with them about it approximately XXXX XXXXXXXX XXXX  to get an understanding as to why I was being charged this huge amount. Their response was " It is based on an increase in your insurance. '' When they told me it doubled, I factored that in and my insurance would then have an increase of approximately {$100.00} a month, and not {$500.00}. After telling them this they said they would research it and put me on hold for a very long time. I could not wait so let them know I would not be paying what I considered to be an over-inflated increase. 

I called their automated system to make a partial payment on XX/XX/XXXX but the system would not allow me to complete the transaction. I then called that Monday on XX/XX/XXXX and was told that they would not accept Partial payments. After letting them know the increase I was being charged was far more than the increase in my Homeowner Insurance, they then told me it was based on Projections. 

I then wrote a Notice of Error Letter to them on XX/XX/XXXX and received a letter from them stating they will get back to me in 30 days, possibly 45. 

As of today, they are still not allowing me to make a Partial Payment. They do have a line for XXXXXXXX XXXX XXXX that I called XX/XX/XXXXXXXX XXXX XXXX XXXX, but after waiting 18 minutes, the phone system transferred to a department that could not help me with it. The rep. I spoke with told me she would transfer me to the line that offered assistance, but I told her I just called that number. She claimed the line rolled over to her 's. I told her I was tired of holding and she said I would not have to, transferred me, and I was put on hold again. 

I can not afford this Mortgage. It is not what I signed up for.
Consumer complaint received 2024-03-26
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: ENCORE CAPITAL GROUP INC. (TX)

They let XXXX and her son XXXX XXXX made false statements about me with this debt collection and they told them that they didnt know that I open the account but I have statements showing that I didnt purchase thing for my XXXX XXXXXXXX XXXX XXXX XXXX either and I also didnt charge this to thing to XXXX and credit cards one because I dont a XXXX game system or eat these restaurants this totally ridiculous of them dont let me telling them that they know about these purchases because how did they apply to the account all my their self no one did it unbelievable of them. This company is not let me telling them that theses people are lying. XXXX is said that her daughter is me open the account but XXXX XXXX and XXXX know about them because they both used them and I have statements and proof that items was sent to and one address is XXXX XXXX XXXX
Consumer complaint received 2022-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (TN)

I am filing this complaint and asking for your help to help me. I a a victim of Identity Theft. There are accounts that are being reported on my credit file. One of those is AMEX which was opened XX/XX/2018 with a balance of {$1300.00}. I also have reached out the the 3 major credit bureaus and filed a dispute with them. This account is clearly not mine. I already have filed an FTC affidavit and a police report regarding this matter. I am attaching those documents I mentioned to verify and authenticate my claims. This fraudulent account is taking toll on my credit standing. Please help me.