davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-19
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. (IL)

I explained to Experian that this account is too old to be reporting to my credit report for XXXX XXXX XXXX XXXX. I have requested that this account is deleted from my report but they still report it.
Consumer complaint received 2023-07-15
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC. (MI)

I turned my lease in on XXXX and Ally Financial sent me a bill for {$1900.00}. 

They are claiming the a rear taillight was cracked, a tire was below the tread line and I was a few days late on turning it in. 

Tail light : I took pictures of the entire car inside and out and I sublimed the picture to them but they claimed the picture was inconclusive, bottom line taillight was not cracked. 

Tire : I replaced all 4 used tires before turning in I verified the tread before purchase and they were acceptable. 

Turn in Date : I turned in the vehicle on XXXX but Ally sais I turned a few days later than that. I have proof from the dealership that I did turn it in on the XXXX.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (CA)

I have been denied for products and or services based on information received from NexisLexis. However, when I have requested the report based on the information received from NexisLexis, I have been informed that they have no record of me in their database. This has been going on for several years now.
Consumer complaint received 2022-10-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

I have been working on a loan modification with Select Portfolio Servicing for almost two years without progress. They keep asking for repetitive information and documentation, and I always comply. When I provide the information, they say everything is set, then they tell me I need to give more information. I have had to explain the same things over and over and over again. I don't see an end in sight, and now they won't let me make my mortgage payments! I believe they want to force me into foreclosure.
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (FL)

This is a complaint about incorrect Foreclosure Starting ( FS ) and a Negative ( N ) mark on my XXXX   Credit Report for XX/XX/2020. 

This is reported By Specialized Loan Servicing XXXX SLS. net my previous mortgage company. 

In 2020 I was in forbearance from XX/XX/2020 - XX/XX/2020 On XX/XX/2020 I paid off SLS in full and the account was closed. This date is Prior to the end of the forbearance. 

Subsequently, after the account was closed, SLS started forclosure on the properts according to a marking on my credit report, dating XX/XX/2020 when the account was already closed and in good standing. 

I have contacted SLS and they said there was an error and there is no foreclosure, that the account is good and closed, and they would fix the problem. 

To no avail, XXXX  has been disputing the error as well and it keeps being bounced back with no correction to the negative mark on an account that has been closed. 

Sincerely XXXX XXXX XXXX
Consumer complaint received 2020-07-10
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. (GA)

I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.
Consumer complaint received 2024-02-01
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. (MD)

No changes were taken. I have already informed them that i am a victim of identity theft. I explained to them that i have never disputed the account as never late and therefore they need to make that investigation. I have always disputed that account as identity theft asking for reinvestigation and sending me results and artifacts but they are not following the law and proper procedures such as verifying wet signatures or deleting the account within 4 business days of receiving the paper work.
Consumer complaint received 2019-06-06
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: Early Warning Services, LLC (TX)

In XXXX and 2017 Early Warning Systems, a proverbial boil on one 's arm pit, continued to lie and make false pretenses via this United States federal government portal that it had indeed found I was a victim of identity theft and under the FACTA AMENDMENTS it would freeze or place a 7 year alert. Well that's rich I received word, because these fraudsters who have my SSN repeatedly attempt to open accounts, from XXXX XXXX who I have not applied nor solicited, the application was online so says the bank and further the Ip address and device fingerprint is not mine, but most troubling was not that it was denied, that should have absolutely happened as I have not asked Early Warning nor XXXX XXXX or XXXX XXXX to unfreeze rather it was denied because Early Warning Did allow the dissemination of my report to the bank and it contained the same fraudulent information it has now sworn it had deleted, but again like the festering XXXX it is Early Warning continues to cause irreparable harm and violate my rights under the FACTA AMENDMENTS to the FCRA and state law. They also engaged in unfair and deceptive acts that are so numerous it doesn't even shock me anymore. I demand this be investigated and corrected this is my final warning!
Consumer complaint received 2023-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (FL)

Notice of Conditional acceptance and Affidavit of Debt Validation was sent out via certified mail VIA XXXX XX/XX/2023. Tracking number XXXX Requesting specifically validation of the debt under penalty and perjury. There is a copy of the affidavit attached. The notary signed the copy sent via mail.
Consumer complaint received 2021-06-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

CFPB, you all are supposed to assist especially if the credit bureaus are not doing their jobs and I am not understanding. This is my 3rd time asking for assistance with my credit and no one is responding back to me nor investigating my disputes.. The below items does not belong to me and I am trying my best to try and buy me a house but this negative debt is hindering me. Can you all investigate these items and either provide proof of my signature or delete them. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/1966
Consumer complaint received 2021-06-28
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. (NJ)

Due to the covid 19 global pandemic I was unable to make my payments on my XXXX XXXX with XXXX XXXX on time for the months of XXXX of 2020 and XXXX of 2020. I have since resolved this issue with XXXX themselves, they updated the remarks on the late payments to remove the late status on those payments due to the pandemic. XXXX and XXXX have updated my reports but Experian not only haven't, they updated it back to late status. This is hindering my overall credit thus hindering my ability to purchase a home.
Consumer complaint received 2021-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (PA)

Dear Sir or Madam : Please note that my Case Amazon Visa Card, since 2019, always had a credit limit block, until last week, without notice. I callled Chase bank and they stated, " As a courtesy to our customers during Covid, we lifted the credit limit block, '' which led me to go severly over the credit limit. Its to the point where I don't know how I am going to make the payment,
Consumer complaint received 2021-06-28
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS I AM VICTIM OF FRAUD I am writing to request and initiate a formal complaint against XXXX XXXX and Experian XXXX. On XX/XX/2021, I mailed XXXX XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2021-06-28
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. (MA)

Source : Experian Date Submitted : XX/XX/2021 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXXXXXX I am writing to dispute an incorrect credit card on my XXXX  credit report. 
There is one credit card with late payment from XXXX XXXX  XXXX on my credit report. The account number is XXXX with late payment of {$450.00}. I have contacted XXXX XXXX XXXXXXXX and they confirm this account is not mine. The owner of this credit card has the same name with me, but the birthday and SSN is different. I have tried to dispute with Experian 3 times and they weren't able to remove it from my credit report and has caused many problems for me.
Consumer complaint received 2024-02-01
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: Experian Information Solutions Inc. (NJ)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since CREDIT BUREAU 's investigation was done improperly, Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2020-08-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC (CA)

My LO  did a loan application over the phone. He grossed my income up since I am an SR and receive retirement and SSA non-taxable income. The underwriter changed the income from the UW and suspended the loan. I asked the LO for the name of the company and Underwriter. 

UWM XXXX XXXX, SENIOR UNDERWRITER ( XXXX ) XXXX ext. XXXX XXXX XXXX
Consumer complaint received 2018-04-05
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)

the inquiries are unauthorized and that I want them removed from my credit report.I contacted XXXX  by phone several times and they didn't attempt or try to remove but told me to dispute them and that the results came back accurate And I Kno that wasn't true because I never authorized any of them.XXXX put a Identity Thief on report due to the unauthorized inquiries.
Consumer complaint received 2018-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX has reported information on all three credit bureaus that I have a collection account and my payment status has been past due. I contacted them on XX/XX/XXXX and spoke with XXXX who assured me they were going to do a manual update to correct this with the credit bureaus. She stated it would be 48 hours. She also reassured me that my account was never past due and account was allways in good standing. The information on my reports were wrong. She would have this corrected ASAP! And still has not been completed. This account was paid in full and satisfactory in XXXX
Consumer complaint received 2022-10-07
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (MD)

I purchased two vanilla gift cards on XX/XX/2022 around XXXX XXXX. I went to check the balances of both cards and see that transactions for XXXX had been done on the cards. I have called XXXX and they arent willing to cancel the order. I also have reached out to vanilla who advised me that they arent able to cancel the transactions. Im being told that I have to wait for the transaction to clear and then dispute which can take 90 days. Im now out of XXXX for my gift card purchases. I would like assistance with retrieving my money back.
Consumer complaint received 2020-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ZIONS BANCORPORATION (TX)

I have lost my debit card on XX/XX/2020 and XXXX unauthorized transactions were made against me. This drained my account and left me with a {$22.00} balance. After speaking to Amegy bank, they denied my claim because they think I still have possession of my card even though the reason I called was to report my card stolen/lost.
Consumer complaint received 2024-02-01
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. (TX)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-01-09
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

CAPITAL ONE AUTO FINANCE XXXX XXXX XXXX XXXX, XXXX on account Account numberXXXX sent me transaction History that adds up to a different balance to what they are reporting to my consumer report. The amount they sent on the transaction history shows that the balance added up equals XXXX and that was the amount paid to them but they are reporting a charge-off for XXXX. This company is supposed to report accurate and precise information to the consumer reporting agency which clearly they are not. They also re-aged this account the first charge-off report was in XX/XX/XXXX and now they updated the charge to XX/XX/XXXX. That is an FCRA violation I wanted this account deleted from my consumer report. Even though the loan dates are different they said the loan started from XX/XX/XXXX - XX/XX/XXXX and on my consumer report it shows the loan open date was XX/XX/XXXX. this company is FRAUD AND ALL INFORMATION THAT WAS SENT TO ME IS INACCURATEATTACHED BELOW IS THE DOCUMENT THEY SENT TO ME.
Consumer complaint received 2023-01-29
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: Commonwealth Financial Systems, Inc. (FL)

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.

COMMONWEALTH FINANCE ACCT # XXXX, COMMONWEALTH FINANCE ACCT # 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 an account without my written instructions 15 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 there port 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 2020-10-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I mailed in dispute letters to all three credit agencies to investigate and delete incorrect information on my credit reports. There were several accounts that were either incorrect or not mine. The letters were submitted to the credit agencies on XX/XX/2020. It has now been 30 days and I have not been updated with the results of my disputes.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-01-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo processing many checks prior to ACH resulting multiple overdraft fees. Informed Wells Representative violation of Title 12 Banks and Banking injustice on XX/XX/2023. 

Wells Fargo assigned Mediation Tracking Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

I learned a few weeks ago that Experian was not reporting all of my accounts. My XXXX XXXX credit card accounts and my Student loans were not included. I called them and asked for help. They said they filed a report and would get back to me. They haven't. I then learned that XXXX of my XXXX XXXX XXXX XXXX were closed. This is my main credit card and is essential to me. I called XXXX XXXX today and they said that the account was reported as Fraudulent therefore the account was automatically closed. I received no notice of this. I only realized it when I logged in to my account this morning. I called Experian today to report on this and was put on hold for 2 hours. I gave up and called again later. This time when I called, there was no option for me to reach the fraud or dispute department from their phone options. I had to call a random department and get them to connect me to someone there. Then while the agent was researching my report, they hung up. I called again, and someone from disputes told me that I have two Experian records with two different PINs and that he would put in a request to merge the two. He sent me to someone else to work on the closed credit card issue. I found out the following day that my twin sister 's experian account was being mixed up with my own. They had been reporting it incorrectly forever as far as I can tell. We have similar names and same birthdates. There is definitely concern with how my sister was able to report the XXXX XXXX account as fraud. I'm not sure what identification she verified but the XXXX  XXXX account has all of my information on it, yet she was able to close the account. I believe XXXX XXXX may also have dupe records and perhaps she verified the one that Experian was incorrectly reporting. As of today, we have cleared up the issue with my credit card however Experian is outstanding.