davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I recently found out in XX/XX/2017, that I was a victim of Identity Theft. After the initial shock of realizing that my personal information had been compromised I immediately went to my local police department to file a report. They said that since I did not have any information on who had stolen my identity that I could not file a report about that time. I went home and pulled all 3 credit reports and found numerous items on there such as inquires, and collections from accounts that someone had opened without my knowledge using my Full Name, SSN,  and D.O.B. I called each credit bureau to find out what steps I should take to have these items removed and permanently deleted from my reports and to also put fraud alerts on my reports as well. They told me to go to FTC.GOV and fill our a FTC AFFIDAVIT and get it signed and notarized, and also fill out an FTC Identity Theft Report on the same website. After following those exact instructions I was told to fax all that information in to each Bureau and once the information is received ALL fraudulent items would be deleted. XXXX is the only Bureau that has complied with the promise given and have given me the help that I needed to try to rebuild. Equifax, neither XXXX have done anything that they said they would do. I have faxed and mailed a copy of all the items requested over 10 times and Equifax, and XXXX have yet to remove the items that were apart of my identity theft. I have called and they keep telling me to fax and mail it again. I need the CFPB to help me get this issue resolved. I am a victim and these two credit bureaus have ignored my efforts to fix this situation and continue to give me the run around on a daily basis. Please help me to get this matter resolved. The only resolution is for EQUIFAX and XXXX to Permanently Delete ALL fraudulent items from my credit reports.
Consumer complaint received 2023-01-11
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. (GA)

The accounts or debt isn't mine it belongs to my children and they put it on my credit, another report is paid off but it was removed from XXXX credit reporting company but not the other, another car debt the balance is wrong
Consumer complaint received 2021-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

XXXX stole my wallet. He then created a fake check of XXXX $ and pretending to be me went into a bank of america teller 3 times atm 2 times and cashed it in my checking account. I had just a few dollars in it at the time. It bounced but he was able to get XXXX $ out of b of a being me. Well i tried to fight it. I went to my branch spoke to mgr and she said to call fraud department 2hrs pater she told me to call the bad check dept. 2 hrs later still at b of a. I got nowhere. She and the people on the phone treated me like a criminal victimizing twice. 
They reported me to XXXX XXXX  and XXXX  as fraud. Closed ckg and savings down. Ive never been able to open either account types since. I was forced to use XXXX  cards whose bz practices are shady causing much more theft as they dont have live people at branches to descern verifying face to face. And practise fraudulant holding funds ( interest they get on my money ) for weeks sometimes i wasnt able to access my money left from theft. Im filing on XXXX after this. I want to tyke a polygragh to prove innocence. I need standard bank for any loans so denied. No car no house no bz nothing i can leverage without accnt. I keep hoping to be cleared of this but noones helping. The damages and colateral damages are over 3 million after 4 .5 years. 
I said to roll archive tapes he isnt me. Hes 2inches taller less 35 lbs. Please help clearing my name
Consumer complaint received 2019-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Acceptance Corporation (NJ)

The real reason for this complaint is because the debt collection company 'M Leonard & Associates ' is operating illegally in trying to collect on a debt in New Jersey. Though it is not necessary to have a license in the State of New Jersey to collect, paying a {$5000.00} surety bond is mandatory by all collection agencies operating outside of the state to collect within the state. N.J. Stat. XXXX. XXXX ( XXXX, XXXX through XXXX, c. XXXX ). 
I have verifiable proof that this company has not paid the surety bond & can not legally collect on this debt. I've already contacted the company via email only to be ignored twice.
Consumer complaint received 2022-04-30
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. (PA)

I am asking for a investigation on my credit file I am a victim of identity theft and asked the credit bureau to place a extended fraud alert on my credit file along with my phone number before extending any credit in my name because my identity was stolen so I was asked by my counsel to file a complaint before moving forward. Thanks in advance
Consumer complaint received 2022-04-05
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: Experian Information Solutions Inc. (FL)

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.
Consumer complaint received 2021-06-09
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: EQUIFAX, INC. (IA)

XXXX Equifax, and XXXX all have furnished reports on my behave with out my written consent and arent helping remove these negative items that is imparing my trust in the banking system and the consumer reporting agency. These reports are identity theft because no consent was ever given. ( 15 usc 1681 ( B ), written consent never granted, ( 15 usc 1681 ) this information is not supposed to be included in my report
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

On XX/XX/XXXX I disputed a loan that is still showing on my credit. The loan has been satisfied since XX/XX/XXXX. The vehicle has since been sold and registered to someone new. 

The loan amount still showing as of XX/XX/XXXX is {$4800.00}. Last payment shows as of XX/XX/XXXX. Account shows as pays as agreed I have disputed the loan as being incorrectly reported. I reported to the 3 credit bureaus and to the company the loan was from. All of this took place in XX/XX/XXXX. To date it has not been updated or removed and is preventing me from obtaining a mortgage. I have also requested my attorney contact as well but no progress has been made.
Consumer complaint received 2018-02-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

We reached out to the bank as the over draft fees were killing us. Eating up all of our money as they charge you when your check is over drafted then charge you when they return the checks resulting in double fees. We talked to XXXX where checks were written and was told that they not send anymore in. Well they continued sending them in resulting in double overdraft charges by the bank. we talked to bank manager on XXXX XXXX XXXX XXXX Florida today to get no place. The lady who also worked with me was very rude saying not our problem you wrote the checks why are you again at the bank. Because was told by the bank customer service all the XXXX checks would be stopped and no more fees to be lied to. And then jerked around at the bank today. Then called customer service again tonight XX/XX/XXXX to be told not my problem. Well reason why we did this is my son was abused at the school district and have a bunch of expenses there fighting the school system. this is robbing without a gun and so very wrong. Have tried to reach out to both to get jerked around. I have been a customer since XXXX and to be treated this way is very unacceptable. Very upset As on XX/XX/XXXX we put a stop payment of them. I hadwrote a letter and talked to XXXX on the first part of the month to tell them to stopsending in checks we take care of themon the XXXX of the month. but yet on the XXXX XXXX deposited a check of XXXX {$35.00} fee on the XXXX insuffient funds {$35.00} return item so see the problem here and was told not to have any more go through by both agencies.
Consumer complaint received 2019-11-15
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resolve Partners, LLC (NC)

This apartment complex has on my credit report that I owe over 4,000 dollars. 
When i vacated this premises I was only 2 to 3 months behind with a rent of XXXX. 
The collection agency called me and literally interrogated me with questions and advised the the landlord mentioned he had t get a new stove and a new refrigerator and they totally exaggerated on the condition of the apartment, which I feel is very unfair and unethical. I they wanted to put new appliances in the apartment, then that would have been their expenses because there was absolutely nothing wrong with either one, I barely cooked. I have disputed this once, and lost, and I can not move forward with paying anything off, or improving my credit with unlawful and untruthful amounts placed on my credit.
Consumer complaint received 2022-04-30
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PRESTIGE FINANCIAL SERVICES INC (AZ)

I have told them about the excessive text messages multiple times a day and multiple days back to back. They finally said they would stop text communication and literally a day later I'm getting another text basically threatening if payment not paid will report late for XXXX it's not even 30 days late and yall shouldn't be texting me anymore. Its gotten to a point it feels like harassment and I expressed that to them.
Consumer complaint received 2020-07-12
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: Commonwealth Financial Systems, Inc. (FL)

Investigation is taking longer than 30 days. Sent letters to XXXX, XXXX  & XXXX  XX/XX/XXXX about inaccurate information on my credit report. 

The following account is outdatedXXXX XXXX XXXX {$4300.00} date of last payment XX/XX/XXXX The following account is inaccurateCOMMON WEALTH FIN {$250.00} The following account is inaccurateXXXX XXXX XXXX  {$430.00}
Consumer complaint received 2021-10-26
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. (FL)

On XXXX, XXXX I obtained a loan to purchase equipment through XXXX XXXX. The loan payments were debited in a timely fashion from my account every month. For some unknown reason, the very last payment, due on XX/XX/XXXX was NOT debited by XXXX and that resulted in a late payment and late fee. The bank account which the payments were debited from has ALWAYS had sufficient funds to cover all expenses. The customer service representative at XXXX was gracious enough to remove the late fee and the account was paid off about on XX/XX/XXXX exaclty 12 days after the last payment was due. The account was later closed on XX/XX/XXXX. 

I'm currently in the process of buying a property and I became aware of a negative hit on my credit score. It seems XXXX XXXX reported my account as being over 30 days past due to Transunion credit reporting agency. My account was absolutely never thirty days past due. Every single payment of the 18 month term was made on time except for the issue in XXXX, XXXX. But it is clear that if the payment was due in XX/XX/XXXX, and paid off on XXXX, XXXX I was never 30 days past due, I filed a dispute with Transunion, and they stated that the company had disagreed and so the derrogative report remains in my credit file. I reached out to XXXX XXXX but have yet to resolve this matter.
Consumer complaint received 2020-07-12
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. (TN)

Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated in writing that you verified that these items are being reported correctly? You still have not identified Who in your company verified the accuracy of these accounts or how they verified them?
Consumer complaint received 2022-04-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (KY)

XX/XX/2022 I received two emails from navient demanding past due payments and late fees totaling over {$380.00}. I am supposed to be in the income driven repayment plan and have recertification as needed every year, but navient keeps saying they didn't receive any documents pertaining to the income driven repayment plan, but it says documents sent successfully. On top of that I believe that navient is taking the Pell grants I was rewarded and instead of deducting that free money that I don't have to pay back and they are adding it to my balance to draw more interest. Plus my student loans were on pause until I got a call from navient saying I need to pay my student loans and I tell them I'm in the IDR repayment plan they respond by telling I wasn't and I would need to go into forbearance. A month or so later I am getting emails to make a payment on paused loans.
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-04-30
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. (NY)

In accordance with the fair credit Reporting act XXXX Account XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2021-07-01
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: Navient Solutions, LLC. (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LD Holdings Group, LLC (GA)

Loandepot.com is currently reporting 2 mortgage accounts on my credit file. Both are showing XXXX late payment but each account is reporting a different date. I have already provided written proof to Loandepot.com via mail and fax several times last year trying to correct/remedy the situation. 

Current mortgage account : LOANDEPOT XXXX- this account was not opened until XX/XX/XXXX so it should not be reporting any late payments in XX/XX/XXXX or anything prior to XX/XX/XXXX. 

Previous mortgage account : LOANDEPOT XXXX- this account transferred XX/XX/XXXX to LOANDEPOT XXXX- this account did not have any late payments and based on the incorrect reporting on both accounts it further validates my claims that Loandepot.com is erroneously reporting inaccurate information on my credit file. 

I have attached my bank statements that further support my claim ( the payments are highlighted in yellow ) : XX/XX/XXXX - payment made XX/XX/XXXX XX/XX/XXXX - payment made XX/XX/XXXX XXXX XXXX - payment made XX/XX/XXXX XX/XX/XXXX - payment made XX/XX/XXXX I have written to loandepot.com several times with no response showing the conclusion of their investigation as well as no additional info about my supporting docs.
Consumer complaint received 2018-10-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

I generally pay an additional amount each month with my mortgage payment to be applied towards the principal balance. Twice, I have experienced PennyMac applying the additional monies a day later. For example, PennyMac posted my XX/XX/XXXX payment on XX/XX/XXXX. However, they then posted the additional principal on XX/XX/XXXX. 

In speaking with several friends who also have loans with PennyMac, they suggest they have encountered these same unscrupulous behaviors. Indubitably, if PennyMac is intentionally doing this to borrowers, they should stop immediately.
Consumer complaint received 2021-07-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My mother hired and paid a moving company on XX/XX/XXXX. I was at the new location as the movers completed the job. When they finished, the movers told me they hadn't been paid. I proceeded to pay the moving company again for the same moving job. 

Later, after speaking with my mother, we realized we both charged for the same job. We contacted the moving company and requested they refund the money that I paid them, since it was my mother who hired them. On XX/XX/XXXX, the moving company said they would refund me by XX/XX/XXXX. I attempted to contact the company on XX/XX/XXXX and XXXX after not receiving the refund. After not receiving a refund and no contact from the company, I filed a dispute with my bank on XX/XX/XXXX. 

On XX/XX/XXXX, I received notice that my bank denied my dispute claim, saying the information they got from the merchant showed it was a valid transaction. They send proof showing that I signed the receipt. I contacted the bank again and they were under the impression that my dispute was because I was charged twice. I clarified that I was not double-billed, it was that two different people were each charged for the same service. They said I should resubmit my claim. 

On XX/XX/XXXX, I resubmitted my claim, being more detailed in explaining the scenario and including the bank statements for both my mother and myself. I highlighted the charge from the moving company on both statements, showing they both posted on XX/XX/XXXX. 

On XX/XX/XXXX, I received notification that my claim was denied because I already submitted a claim for the transaction - even though the bank told me to resubmit the claim.
Consumer complaint received 2022-04-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: World Acceptance Corporation (LA)

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX My social security number is XXXX I'm XXXX date of birth XX/XX/96 my address currently XXXX XXXX I can't get help anywhere now I'm facing eviction I have small kids one day now to move