davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

Equifax has been reported five times. I stated I would get an attorney HE is on standby. 

Couple of issues. My free credit report since your refusing to allow me to download it from the site because your scared it will be forwarded I am asking for it to be mailed. 

In addition XXXX XXXX should have been removed. Seven years is XXXX of 2022. 

Your reporting a score of XXXX. I suggest once again all the accounts that are aged out and over 10 years ago or more be removed. If I have to take legal action against your company I will. 
Mail my credit report out. 
Explain why the credit score is XXXX. 
And remove all accounts that are aged out including XXXX XXXX. 
You disabled the dispute button on my account so each time I need to dispute an issue it will be made public until you understand your role. 
Your role is to provide accurate information.Because of your inaccurate information your organization stopped me from applying for a {$10000.00} loan with the federal government. XXXX XXXX should have been removed yet it was not. I am a consumer as one attorney already said " The law is on my side ''. Continue the games Equifax. We will see who wins. I appealed the federal government decision and since they used XXXX and XXXX during the appeal I won my case and got the loan. So the federal government other agencies are now being made aware of your failure to follow the law.
Consumer complaint received 2023-01-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: MARINER FINANCE, LLC (GA)

I have called back in 2020 to work on this account with MARINER FINANCE. I was going through hardship due to the pandemic. The customer rep at that time was very rude and disrespectful towards me. He requested the full amount. I called again today XX/XX/XXXX in regards to settling the account. This account ( XXXX ) was charged off as bad debt and I was advised that it was sent to the attorney. The representative at XXXX XXXX stated that they were going to garnish my wages, however, I was NEVER SERVED and I haven't received anything in the mail from Mariner finance. I am highly upset because this is legal especially if I was not served. They have added triple interest and added additional fees. They scammed me. They are reporting inaccurate balances and past due balances and last date of activity on my credit profile. Please see the attachment.
Consumer complaint received 2021-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

HELLO, I SUBMITTED A CFPB REPORT THE OTHER DAY AND WAS TOLD IT WAS INVALID, SO I AM SUBMITTING. I AM DEMANDING THAT THIS BE TAKEN SERIOUSLY, THERE IS INFORMATION ON MY CREDIT REPORT THAT HAS NOTHING TO DO WITH ME AND AM DISSAPOINTED THAT EACH CREDIT BUREAU ISNT HELPING ME AT ALL ... .. 

MY NAME IS XXXX XXXX XXXX ... .AND I AM DEMANDING THAT PURSUANT TO SECTION 605B OF THE FCRA THAT THE INFORMATION ON THE DISPUTE LETTERS AND FTC REPORT BE BLOCKED ASAP!
Consumer complaint received 2018-04-03
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: BARCLAYS BANK DELAWARE (FL)

Greetings, I have an account open with Barclay which I opened in XX/XX/XXXX, I just noticed there is another credit inquiry for another loan with them inXX/XX/XXXX which I never applied to. I would like to report this as a fraudulent request as neither my family nor myself have made any applications with this bank since the one that was submitted and approved in XX/XX/XXXX at an XXXX  Store.

Please let me know if you need any additional information from my end.

Thanks
Consumer complaint received 2017-09-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: ZIONS BANCORPORATION (TX)

XXXX XXXX is charging excess over draft {$35.00} fee a day. Which was not explain by the representative during enrollment to opened the accounts. Although, the representative was very kind and pleasant to get in and out. I wind up having 3 check returned such a {$19.00} dollar, {$120.00}, {$48.00}. I did placed a deposit on a few occasions. Unfair to keep charging the account each day {$35.00} and plus {$25.00} over draft per transactions. I went to have the balance waiver {$550.00} accumulated 60 days. Manager stated there nothing she could do but credits 1 fee back once I would make another deposit.
Consumer complaint received 2023-01-28
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. (IL)

I Have fraudulent inquiries on my credit report from the following companies XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have tried multiple times to contact these creditors and Transunion regarding these fraudulent inquiries that have been made using my personal information. I would like for these fraudulent inquiries to be removed from my credit report immediately.
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

Ive contacted XXXX XXXX XXXX regarding payments and I spoke with XXXX. I know it's been a rough year for everyone, including myself. However, today has become much harder due to a notice I received from the credit report agencies ( XXXX, Equifax, & XXXX  ) stating theres a 30-days delinquency reporting for XXXX XXXX XXXX. I was affected by the coronavirus pandemic, but my account is current. According to the CARES Act : If my account is delinquent and I make an agreement to bring my account current, the creditor must report that I am current on my loan or account. 

Please remove the 30-days late payment and update my credit reports reflecting current status. This will help me get back on track. 

This has hurt my credit tremendously. My taxes are still being processed since XXXX. My unemployment payment was released due loss of income due to Covid-19.

The CARES Act places special requirements on companies such as XXXX XXXX XXXX, that report any payment information to credit reporting agencies. Those requirements apply to me as a consumer because I was affected by the coronavirus pandemic.
Consumer complaint received 2021-02-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In XXXX of 2020, I submitted a dispute and have not heard back from the 3 bureaus. I need help with the responding to my complaint.
Consumer complaint received 2024-02-23
Product: Credit reporting 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. (MD)

Upon reviewing my XXXX, XXXX and Equifax credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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 2021-08-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FISERV INC. (CA)

Tried to use my personal checking account With XXXX. 
XXXX uses Telecheck. 
They avoided all questions-Poor. 
I am XXXX years old. This happen a few years back. 
My Credit is over XXXX. 
I pay my bills!! Even with the XXXX  not asking for handouts. 
It's time for Telecheck to remove what ever they have. 
Been with XXXX XXXX XXXX for over 35 year, XXXX over 10. 
They are willng to give a letter on my accounts. 
Telecheck this is Unjust. 
Do the right thing and remove this! 
Way to long!!
Consumer complaint received 2023-01-28
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: EQUIFAX, INC. (LA)

I sent you a letter last XXXX XXXX XXXX  but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2023-01-28
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. (MO)

I have disputed many times with Experian To respond to me and verify a bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the bankruptcy court. 
I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtor 's full social security number and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. I have included a copy of the response from the courthouse for your reference. It is quite clear that someone from ( EXPERIAN ) lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ) .As you know, it is also a violation of the FCRA XXXX report inaccurate or unverifiable information on a credit report.
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hello, I was looking at my credit report on XX/XX/XXXX there seems to be a few mistakes that were never corrected. Let me explain in detail I am being told I have 13 with transunion & that I have 8 inquiry 's with XXXX. This is 100 % inaccurate. I always pay my bills online and never signed any documents for any of these companies I list to run my credit report to anyone. I will show you the screen shots but I'll write here as well most of these are going to be from a car dealership that I never ever gave them authorization to run my credit score. this 100 % fraud and never authorized by me. The following items should be removed from my report from all credit agencies transunion, XXXX, XXXX. XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX & XXXX XXXX XX/XX/XXXX. Most of these companies i never even heard of I tried calling some of them and kept giving me run around. I never signed anything for any of those companies and I never applied online or gave anyone the right to speak on my behalf. This is 100 % fraud
Consumer complaint received 2018-04-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (WA)

Wells Fargo foreclosed on our home in XXXX. We tried extensively to work with the bank to modify the loan and avoid foreclosure. We sent the paperwork we were told to send more than 20 times only to be told over and over again that they didnt receive it or it was lost. Finally, we were told we qualified for a HAMP modification and then denied after we submitted more paperwork. We were worn down to the point of being unable to fight anymore. Looking back, we had rights and they were taken from us by the bank just running us ragged. We purchased the home in XXXX for {$350000.00}. Wells Fargo auctioned it off for only {$180000.00}. A price well under what we could have afforded to stay in the home. Since then, we have undergone a landslide of financial after effects from the foreclosure. Wells Fargo was not honest and should provide restitution for their dishonesty and mistakes in dealing with our home foreclosure process. We have been unable to own a home since XXXX because of Wells Fargo not following proper protocol.
Consumer complaint received 2023-01-28
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

XXXX XXXX XXXX XXXXXX/XX/XXXX {$280.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

XXXX XXXX aXXXX XXXX placed a Charge off on my credit reporting statement despite the fact that they were paid off in full and I have records to prove that. The bank got paid the agreed amount of {$2300.00} dollars as a difference between the book value of the vehicle totaled and the balance on my auto loan. The bank sent me a letter to pay within 180 days and I complied by paying the balance in full. Yet the bank decided to place a CHARGE OFF on my credit report. Clearly this is fraud. According to XXXX search I found that When an account displays a status of charge off, it means the account is closed to future use, although the debt is still owed. The credit grantor may continue to report the past due amount and the balance owed. Clearly that is false. The bank was paid in full.
Consumer complaint received 2018-07-13
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (TN)

I have contacted the three credit bureaus pertaining to inquiries on my credit report that I did not authorize. they claimed they cant not dispute hard inquiries and they remain for two years. this maybe the case if I authorized those inquiries myself, however I did not authorize none of them. they credit bureaus told me to contact the creditors and explain it to them, which I did. they claimed it was me but when asked were they there when the credit was ran with me in front of them with my id? they claimed no. so anybody can get someone's information and use it over the phone or online to obtain good. I was told by the creditors to reach back put to the credit bures to see if I can dispute it. so all and all I am getting the run around and no help.
Consumer complaint received 2017-08-04
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: Experian Information Solutions Inc. (LA)

I 've contacted Experian on many occasions about inquires I did n't perform. They told me I have to contact the companies. I did that & I was still told to contact Experian. They are giving me the complete run around.
Consumer complaint received 2020-05-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC. (MD)

I am in the process of purchasing a home and the lender pulled a mortgage report and unannounced to me was a XXXX XXXX XXXX collecting for Exeter finance. It seems like my entire life i have been having issues with my fathers info reporting on my credit report I called XXXX XXXX  who gave me the number to XXXXXXXX XXXX and they dont answer the phone. I then called Exeter who can locate an account of mine but i cant answer any verification questions including address because i never had an account with them i am stuck and dont know if this is id theft or a mistake. I do know it is keeping me from being able to purchase a home and am unsure if its even legal for them to report
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

XXXX XXXX {$330.00} XXXX XXXX  XXXX {$1700.00} XXXX  XXXX {$19000.00} XXXX XXXX  XXXX {$500.00} XXXX XXXX {$340.00}
Consumer complaint received 2023-01-28
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. (FL)

In accordance with the Fair Credit Report Act XXXX  account number 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 XXXX XXXX XXXX 

15 U.S.C 1681 Section 604 A. States I have rights 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 instructions.
Consumer complaint received 2021-02-23
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: Resurgent Capital Services L.P. (CA)

It appears someone has used my identity for fraud with different names addresses and employers. I need this to be investigated and fixed immediately. 
Example 1 : A fraudulant name on my report was used XXXX XXXX Example 2 : Fraudulant addresses, XXXX XXXX XXXX XXXX, XXXX Ca XXXX XXXX XXXX XXXX, XXXX Ca XXXX Example 3 : Employers listed XXXX XXXX XXXX XXXX In XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Accounts that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX LVNV Funding LLC XXXX XXXX XXXX  XX/XX/2021 Inquiry
Consumer complaint received 2021-02-23
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO. (NY)

I am writing today in regards to my account with Lincoln AFS Account # XXXX. The reason for my letter today is in regards to two late payments reported 1 in XX/XX/2020 and XX/XX/2020. These late pay occurred due to Covid which had impacted me. As soon as i was able to I got this account paid up.
Consumer complaint received 2023-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NY)

MOHELA ( the servicer I was transferred to when I applied for Public Service Loan Forgiven ) has given me conflicting information regarding a refund after my PSLF forgiveness. On XX/XX/XXXX, I was told my loans were forgiven and that I would be refunded all payments made from XXXX XX/XX/XXXX. It was explained to me ( on that date and previously ) that my discharge date ( or when I hit 120 payments ) was XX/XX/XXXX after the waiver ) which made sense as I consolidated in XXXX. When I called back around XX/XX/XXXX, I was told they did not see a refund for me in the system and I should wait until the end of the month. However, others that I know that were recently forgiven and received refunds had an increased balance that included the refund amount prior to their balances going to XXXX. That did not happen for me. I call MOHELA back on XX/XX/XXXX after speaking with FSA who told me that DOE issues refunds via the Treasury Dept. based on what MOHELA sends them. On XX/XX/XXXX, a MOHELA supervisor told me she did not understand why a request for refund was not submitted and she was sending one for me during our call and she would see what it would do, which did not sound anything was going to materialize from her efforts. In the last 2 months, I have receiving 4 different responses. I am following up on my refund. Thank you.
Consumer complaint received 2021-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

We recently refinanced and our loan is with United Wholesale Mortgage. The first payment was due in XX/XX/2021. We paid the first payment on XXXX XXXX. They lost that payment. So when we paid the next month in XXXX ( for XXXX payment ) they applied that payment to XXXX. Same thing happened in XXXX for XXXX. We've been in contact with the company since XXXX. We've sent proof of payment twice - once from our bank. I took the afternoon off to call and get it resolved. I spoke to a few people, got transferred around, and ultimately got disconnected after 2 hours on the phone. They have been given all of the documentation proving we've paid the payments on time, but our account remains delinquent.
Consumer complaint received 2022-04-05
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. (GA)

Creditor : XXXX XXXX Account No : XXXX According to the CARES Act, XXXX XXXX  has violated my rights by reporting payments in XXXX XXXX as late on my consumer credit reports. The law requires creditors to report any account that has a payment accommodation applied to it as current to the credit bureausas long as the account was current when the accommodation was made. In XX/XX/2020 there was a Covid forbearance in place however XXXX XXXX  continued to report my payments as late which is a violation of the CARES act.