davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-03
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: Experian Information Solutions Inc. (MD)

I have tried several times to contact XXXX XXXX about a fraudulent card on my credit report. I have also contacted the credit reporting agencies to have this information removed.
They have refused to remove this information and are unable to provide a signature for the card or term acceptance. I have explained through multiple letters that I have been a victim of Identity theft by a family member and have even went to court and proved this with another credit card ( XXXX XXXX ).
I have filed claims and filled out paperwork pertaining to this and sent to their office detailing the events of a family member opening an account. Attached you will find court documentation where I was able to get a complaint dismissed for another credit card.
This account is not mine and I want it removed from my credit report immediately. Again the reporting agencies have not been helpful and have not been able to prove the debt. In fact they are in direct violation of the FCRA and Fair Debt Collections Act.
The proof for which they are utilizing does not meet the standards. They do not have a signature or ID from me and are solely basing the account on the fact it was mailed to my address which does not meet federal standards.
I want this removed immediately and I want the CFPB to make the reporting companies to validate all debt, respond to complaints accordingly and adhere to all applicable laws and regulations as it pertains to substantiating such a debt. XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
Consumer complaint received 2017-08-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

On XX/XX/XXXX ... I emailed XXXX about a couple concerns that I have.
I have requested that XXXX exclusively communicate with me via email for any debts that I may owe. I asked them to please discontinue the daily phone calls to any of the numbers that anyone has provided on my account. I understand that I owe about {$450.00} dollars but I will continue to make payments until it is all paid off. An unnamed representative contacted me with this response : The staff does not have the ability to e-mail borrowers. The account is delinquent they will call parties that are associated with the loans. I had another concern that I addressed and need to be resolved ... A member of my family, XXXX XXXX, was added to my XXXX account a couple of years ago. Not sure why, but I was not contacted about this. It was her daughter ( XXXX XXXX ) that co-signed the loan, not XXXX XXXX. Unfortunately, my godmother, XXXX XXXX XXXX XXXX in XX/XX/XXXX and I went into financial crisis. Through that time, XXXX decided to constantly call XXXX XXXX 's house and I every single day ... so many times that in anger in around XX/XX/XXXX she told the representative calling that her daughter XXXX XXXX and please stop calling. In some strange turn of events, they are claiming that XXXX XXXX is the co-signer for a loan she did not officially sign for. I have not received any information, paperwork or validation of her involvement in my loan. According to XXXX XXXX, a representative calls every day for the past year. There are mentions of " taking you to court '' and " we will cease your house. '' I am not sure what to make of this, but I want her to be deleted from my account. She had nothing to do with my loan/debt.
XXXX XXXX response was : The person you are referring to below is a co-signer of the loan and is just as responsible for payments as you. They can not be removed from the loans. The staff does not and never threatens our borrowers with any such actions. Please maintain payment in order to elevate the calls.
XXXX has not reached out to me for a solution or an attempt to help me with any financial difficulties, just continue to call and ruin our credit. I hope we can come to a civil resolution so this goes no further.
Consumer complaint received 2016-11-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

I have contacted XXXX in regards to an account balance of {$480.00} seen when I pulled my credit file. i have yet to receive any validation from them and since then the account has been sold to XXXX who contacted me on XX/XX/2016 with a collection letter. I have sent them a request for validation also and I have yet to receive anything from them also. The collection agencies continue to report this information as accurate but i have contacted both companies as directed and have yet to receive a response so i am unsure how these reporting agencies are accurately validating this clearly wrong information.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I have multiple addresses reporting to my consumer report, that do not belong to me. I believe this is attributing to the negative items on my report, that are troubling my experience while trying to purchase a home. They need to be removed immediately. 


XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2021-03-04
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. (CA)

So there Is somebodys bail bonds debt from XXXX not mine and they keep putting it on my credit threw various corporation and the credit bureaus are letting them do it it was put on the credit bureaus in XX/XX/XXXX and now here we are in XXXX same debt reported from a XXXX account the company is absolute bail bonds XXXX. XXXX XXXX XXXX ca XXXX and also XXXX XXXX XXXX. XXXX XXXX XXXX as California law states under section 337 of California code of civil procedure written contracts have a four year statue of limitation plaintiff must sue the defendant within four years of the alleged breach of contract ... ..also account isnt mine nor has it ever been Ive told them this it was identity theft someone stole my identity and also used it the amount of debt was {$5500.00} and is now at {$7800.00} and account number is XXXX they are committing a serious offense and equifax and experian are letting this happen the debtor is XXXX XXXX which was also reported to my credit
Consumer complaint received 2018-07-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Blackhawk Network Holdings Inc. (OR)

I was issued a pre-paid card from " XXXX XXXX XXXX '' when I applied for a credit line for a new set of tires. I received the card, but it expired before I was able to use it, I am unable to reach anyone that could issue me a new card. The company that issued the card was " XXXX XXXX XXXX ''.
Consumer complaint received 2024-03-30
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. (MA)

( Note : I filed earlier but didn't have the company legal names at the time. I'm hoping that by providing them now will make them easier to locate ) I have the XXXX XXXX XXXX Credit Card administered by XXXX  XXXX XXXX XXXX I have an autopay set up to make the minimum payment, but typically pay the balance in full within a couple of days of any charges and have never made a late payment. I am buying a house and applying for mortgages so am watching my credit score carefully. On XX/XX/2024 XXXX  reported to Experian that I was over 30 days late for {$41.00} in XX/XX/2024, dropping my Experian score from XXXX, by XXXX points down to XXXX in a single day. I called XXXX on XX/XX/2024 to get this corrected and they wouldn't help and referred me to XXXX. I worked with XXXX for a while and they sent me back to XXXX who wouldn't fix it and sent me back to XXXX. My statement for XX/XX/2024 clearly shows no late payments and in fact shows XXXX payments throughout XXXX all above the minimum payment. Its been over a month now and I'm really frustrated, I am also working with Experian to get the error fixed directly with them. I blame XXXX for contracting their credit card services to XXXX  as well as XXXX  for both reporting erroneous information to Experian and their lack of effort to correct their mistake.
Consumer complaint received 2021-03-04
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. (FL)

I was checking my recent credit report, and found accounts and inquiries that I did not recognize. These accounts are fraudulent and I have never given authorization for these accounts. There were multiple inquiries reported on XX/XX/XXXX of XXXX and more on XX/XX/XXXX of XXXX, that I have never applied for.
Consumer complaint received 2021-03-04
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. (FL)

I was checking my recent credit report, and found accounts and inquiries that I did not recognize. These accounts are fraudulent and I have never given authorization for these accounts. There were multiple inquiries reported on XX/XX/XXXX of XXXX and more on XX/XX/XXXX of XXXX, that I have never applied for.
Consumer complaint received 2021-02-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Regional Management Corporation (GA)

I received, via mail, promotional offer get {$400.00} for opening checking account. 
My English is second language and I easy can misunderstand the legal English, so I decided I would ask for help from professional banker who works at the bank. I went to the bank, met with branch banker. I provided promotional documents to the branch banker, issued by bank, how to get {$400.00}. Banker took that material and insure me that she will complete online banking to meet all terms. Banker enrolled me in online banking. Banker created my login. Banker have must have followed all terms that must be met to get {$400.00}. Banker advice, that I must complete 10 transaction within one month. I have completed 10 transactions within one month. I have done all I was able to do. Everything else was banker responsibility. 
Now Bank refused to honor {$400.00} arguing that I did not enroll online statements. 
I argued that banker who enrolled my online account and followed all terms shall have enroll in online statements as she was asked to do and that was her diligent and responsibility. Not me. ( If I could understand all terms written on promotional materials, than I would never ask for help to someone else, right? ) I trusted banker at the time to open account for me and I gave a promotional material to the banker to make sure banker meet all terms. 
therefore, I compliant on bank for intentionally fall to enroll online statements on my behalf, so Bank will not issue {$400.00} promotion to the customer.
Consumer complaint received 2024-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing to you to request the removal of incorrect addresses from my credit report. Upon reviewing my credit report, I have noticed that there are addresses listed which are not associated with me or my current residence. These inaccuracies are potentially affecting my creditworthiness and financial standing. 


My only addresses that should be on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I confirm that the addresses mentioned above are the only valid and accurate addresses associated with my current residency. Any other addresses listed on my credit report are erroneous and should be promptly removed to ensure the accuracy and integrity of my credit profile. 

I understand the importance of maintaining accurate credit information and request your prompt attention to this matter. Please investigate and rectify these inaccuracies as soon as possible. If you require any additional information or documentation from me to facilitate this process, please do not hesitate to contact me at the provided contact information. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the removal of the incorrect addresses from my credit report.
Consumer complaint received 2022-01-07
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. (NV)

There is an amount of {$60.00} to a doctor in dispute as reported by the big 3 credit bureaus, it would if dropped improve the score by enough points to refinance our mortgage. I paid {$19.00} for a full report. The health insurance company said the charge was disputed and the copay would have covered the visit. Yet the {$60.00} still shows on credit report as unpaid and delinquent. I'm not sure how to go about recovering from the mistake to make our credit score raise. This was discovered two days ago Monday XX/XX/XXXX by a mortgage company who told us what was holding the refi up. This is after I paid for report from credit bureaus. The health insurance company disputed the amount with the doctor and the medical office and there was an agreement that the amount was wrong and only the {$15.00} was needed for the payment the copay and it was paid in office the day of service and this is over 2 years ago.
Consumer complaint received 2021-11-03
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: AMERICAN HONDA FINANCE CORP (NY)

I am writing today in regards to inaccurate data which is reporting on my credit report for the following account. American Honda Account # XXXX. At the completion of the lease. 

This account was set up on autopay without any incidence for years. I applied for a mortgage and was notified that an issue is reporting on my credit report in XX/XX/2021. This can not be accurate since this account was set on autopay. Once I was notified by the mortgage company of the issue I purchased the vehicle in full to avoid further issues. Yet the balance and past due amount are reporting which certainly can not be accurate. American Honda is neglecting me and has caused me harm. I tried resolving this and have not gotten anywhere. This is hurting my chances of taking out a loan.
Consumer complaint received 2018-12-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I had paid off the full balance of my XXXX XXXX issued through XXXX XXXX   after calling and asking them for the payoff amount. I proceeded to pay the payoff amount and assumed that my card was fully paid off because the representative had told me that was all I needed to do. Months later I was sent a letter that my account would go to collections soon if I did not pay the balance. I was never warned before this that the payoff amount was not correct and received no contact until I found out my account was over 30 days late. By this point I paid immediately and tried to contact XXXX XXXX  but they never answered the phone any of the times I called the consumer affairs department. After this I got an alert that they had reported my credit card as 30 days late to the bureaus and this seriously impacted my credit score.
Consumer complaint received 2023-02-21
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: EQUIFAX, INC. (FL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2024-05-13
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or misleading advertising or marketing — 
Company: Shellpoint Partners, LLC (NJ)

My original mortgage lender was XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ). 
I signed my Note and gave it to XXXX on XX/XX/XXXX. XXXX went out of business on XX/XX/XXXX. XXXX did not indorse the Note to any party and XXXX did not assign the Note to any party. 
XXXX XXXX XXXX XXXX ( XXXX ) took over the mortgage servicing while it was a stranger to my Note and while not paying the XXXX its share because XXXX did not exist. 
I made monthly mortgage payments to XXXX until XX/XX/XXXX. Due to the XXXX of XXXX, I lost my job in XX/XX/XXXX I was not able to pay XXXX. 
On XX/XX/XXXX XXXX forged a mortgage assignment from XXXX to XXXX. and based on that filed a Foreclosure Complaint on XX/XX/XXXX in the XXXX XXXX XXXX XXXX XXXX NJ, On XX/XX/XXXX XXXX. XXXX XXXX from the NJ XXXX XXXX XXXX XXXX suspended the Complaint of XX/XX/XXXX and ordered XXXX to remove the forged mortgage assignment of XX/XX/XXXX to cure the deficiencies and re-file. XXXX violated that Order of XX/XX/XXXX, and instead forged two more mortgage documents and sold it to XXXX XXXX XXXX XXXX ( XXXX ) sometime before XX/XX/XXXX. XXXX hired a local notary public to forge my signature on a so-called XXXX  Agreement of XXXX. On XX/XX/XXXX the Note was already time barred based on XXXX  XXXX ( b ). On XX/XX/XXXX XXXX filed the second foreclosure complaint based on the time-barred Note and the recycled forged mortgage assignment of XX/XX/XXXX. XXXX was a debt collector by filed the foreclosure complaint as a mortgage lender and servicer. without being a secured creditor. I sent FDCPA Debt Validation letter to XXXX in XXXX of XXXX they ignored it. 
XXXX sold the alleged debt to XXXX XXXX XXXX ( XXXX ) in XXXX of XXXX. XXXX sent me a FDCPA Debt Validation Letter on XX/XX/XXXX and I denied it and asked for validation. XXXX replied that they would validate the debt and get back to me and I am still waiting. XXXX was a debt collector and was trying to collect on a time-barred debt. In XXXX of XXXX, XXXX sold the alleged debt to Shellpoint Mortgage Servicing ( Shellpoint ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). On XX/XX/XXXX I sent them FDCPA Debt Validation Letters, and they replied that my case was complex and they would get back to me. I never heard from them, On XX/XX/XXXX I sent them both FDCPA Cease and Desist Letter. Shellpoint continued sending my mortgage statements on a time-barred Note. Shellpoint is a debt collector not my mortgage servicer. XXXX XXXX  is a debt collector, not the owner of my mortgage. The owner of my mortgage was XXXX and now the Note is time-barred. I request that both leave me alone and stop harassing me.
Consumer complaint received 2021-03-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I was purchasing a piece of equipment from XXXX XXXX XXXX. I asked XXXX to please verify that the recipient account was valid and no complaints had been filed against them before they send the wire. A few hours later I was called and told everything was good and wire was sent ( {$10000.00} XXXX. Money was wired from XXXX XXXXXXXX XXXX to Chase bank in XXXX, Nevada on XX/XX/21 - A few days later I found out that equipment was not being delivered and was given a fake wire routing number for my refund. On XX/XX/21 I had XXXX asked Chase to return the funds as we found out it was fraudulent. Chase has refused to even respond to XXXX upon several attempts. They also were unwilling to help over the phone when I called. I have basically been told too bad from XXXX and ignored totally from Chase Bank.
Consumer complaint received 2018-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: FactorTrust, Inc. (CA)

I requested a copy of my report free as i was denied credit from XXXX on XX/XX/2018 based on their report and the response was that i have already recieved my free annual credit report. i called them and explained that i am requesting another one due to an adverse action against me based on the information they have on me. i was told i still needed to pay for it.