davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (WA)

Hard Pull on my credit report - I did n't contact or authorize XXXX to do hard pull credit check and do not know what this is for/from - I am concerned about identity theft, I do not have anything other than the hard pull I did n't initiate to suggest ID theft, so I 'm just worried. 
Details of the hard pull, date, and address of company XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY
Consumer complaint received 2024-01-26
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. (IL)

I want to emphasize that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully urge you to prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly appreciated.
Consumer complaint received 2016-10-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

I really need someone to assist me because I have been going through this for years with absolutely no assistance. I am a victim of identity theft. I worked at a company where the personnel who gave me my separation papers mistakenly provided me with another person 's information partially with mine as well as provided my information to this other person ; we both have the same first and last name, different middle name. This person used my information to open accounts as well as go to the extent to use my name and social security # when he went to jail. I had thought that this whole debacle had been cleared up on my credit report, but now that I am seeing it again, I know that it has not been. I am including my letters to the bureaus as well as my identification and affidavit. I was not able to obtain a police report. When I went in to the station to file one, the officers laughed at me, stated they " do n't give a XXXX about something that happened in Virginia '' and would n't make a report for me. I do not have the option to file one online, either as my area does not allow for that. 
I 've disputed this with the bureaus in the past and have received no assistance. 
When this person used my information to obtain a vehicle loan, I received a letter from XXXX stating that I had been approved for $ XXXX and that if I did not authorize this, to write them and let them know. I sent a letter certified as well as faxed it, stating that it was NOT me who applied and to NOT send a check. I then received another letter stating that the check had been sent for $ XXXX to the dealership. I did not authorize this, I did not apply for this, I did not obtain this, I do not have the vehicle and i need for this to be blocked and removed from my credit report immediately. This is NOT my account! 
As for the XXXX account, I did not open or authorize this account and I have no knowledge in regards to it. I notified them as well and nothing happened ; this is the same result from the credit bureaus. 
The accounts and inquiries in dispute are listed on the letters that I have attached.
Consumer complaint received 2015-09-15
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (IL)

15 years ago I was slow paying my XXXX XXXX bill and had to go on a payment plan with them. 
I try several times to get Equifax to remove this file of XXXX XXXX become the law states that they can only report it for 7 years or 10 years if it 's a court judgement. This XXXX XXXX file has been on my Equifax file for over 15 years since XX/XX/2000. XXXX and XXXX has removed upon my request with no problem. I also try several times with XXXX XXXX as well.
Consumer complaint received 2015-09-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

I have numerous errors showing on my credit report. After reviewing it I sent Experian a letter asking them to investigate these glaring errors on XXXX/XXXX/15. I yet to receive anything from them. Also I read that Experian has been sued recently for the same issue. I plan on doing the same very soon if they do not fix their errors.
Consumer complaint received 2015-05-26
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (CT)

I have been unable to update my credit report/score with Equifax, I pay a monthly membership fee for this service and the following error code appears, Eval Code : - Status Code : FL, Reason Code : NH. This has happened XXXX before, I also have a membership with XXXX and XXXX and never have a problem with either, just Equifax. Until the error is fixed, I should not have to pay for a service I do not receive, please advise them I will need a XXXX month membership to cover me until error is corrected
Consumer complaint received 2017-05-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (CA)

UPON APPLYING FOR CREDIT, WAS DENIED BECAUSE OF AN UNKNOWN DEBT .CREDIT REPORT SHOWAS A NEGARTIVE UNCOLLECTED BY : CREDIT COLLECTION SERVICE  XXXX   XXXX   XXXX   XXXX  MA  XXXX  FOR A DEBT FROM  XXXX  NEVER CONTACTED BY ANYONE SO I HAVE NO KNOWLEDGE AS TO WHAT THIS IS.THERE HAS BEEN A PROBLEM IN THE PAST WITH ANOTHER  XXXX   XXXX  ON  XXXX  IN  XXXX   XXXX  CA.
Consumer complaint received 2022-09-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

On ( XX/XX/2022 ) sent a letter regarding inaccurate 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 items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2016-03-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NE)

i contacted experian and they sent me a copy of my report file and i sent them information who i am ss number card and proof of my address from a letter i got in the mail and they still wont take this other persons name information off my report. and its on XXXX and XXXX as well i want it taken off all XXXX reports. it has a persons name of XXXX on my report im not XXXX and i never lived at a address in XXXX before of XXXX XXXX XXXX XXXX XXXX, XXXX ne XXXX i want this XXXX name and this address of my report its not my information. there is also a address of XXXX, ne XXXX and this persons name of XXXX as well on my XXXX report file number and i want that taken off too ive never lived at those addresses in my life.XXXX wont even send me a copy of my report at all because they say im not this person since XXXX peoples names are under my ss number on their credit report. my report should be empty with nothing on it since im a minor and and be blank. no other stuff should be on my report and if there is i want it taken off. i also see a XXXX bill on here and i want it taken off ive never had a phone in my name before, i cant get a copy from XXXX to see and they wont tell me on the phone when ive called. im including a copy of a letter i received in the mail with proof of address, i do not have dr license to send since i never applied for one in my life. but i did send them a copy of my ss card so they all XXXX have this information in their files. i demand for XXXX to send me a copy of my report so i can dispute items on it since these XXXX other reports have issues. i tried to attach a form to show my only address i have lived at but it wont attach it keeps giving me error.
Consumer complaint received 2016-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

I have informed Equifax numerous times via online dispute, fax and certified mail that they are reporting a XXXX account on my credit file as if I am or have previously disputed the account in which is incorrect. The creditor stated that Equifax is responsible for updating their records in a timely manner after information is submitted to them. The only dispute that I have about the account is that it reflects as if I have previously disputed the account. I have requested for the additional information reflecting as " Consumer disputes the account information '' to be deleted from my credit file. The creditor stated that Equifax needs to correct their database because the account is not reflecting as in a dispute status. Also, Equifax is the only credit bureau reporting the account as in a dispute status in which is incorrect. Again, this account has never been in dispute other that the fact that is reflecting as in a dispute status.
Consumer complaint received 2015-09-01
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (MI)

J.P Morgan Chase Bank N.A. violated the Federal Trade Commission Act by making false statements. 
In Michigan, Foreclosing party must publish notice once a week for four consecutive weeks before sale and post a notice on property within at least 15 days of first publication. No such notices have been made. 
After denying me a loan modification, I disputed the underwriters wrongful decision, after 90 days, I received correspondence from THE Executive Offices of J.P. Morgan Chase Bank N.A., In this document, it indicated that my credit report was not used to determine my eligibity. However, Underneath that statement, contained the reasoning behind why I was ineligible and XXXX of the reasons stating that determining my bills and income, that it retrieved from my credit report, that I would be paying {$300.00} monthly in credit card expenses, not taking into consideration tat I was enrolled in the forbearance plan with those creditors. This situation was and is in violation of the fair credit reporting act. 

If a forced placed insurance is obtained on my loan then JP Morgan Chase Bank , N.A . failed to not over-charge myself for force-placed insurance and did n't warn me at least 45 days before it charged to a force placed insurance policy which would have given me time to buy me own policy. The servicer did n't warn me first or again at least 30 days later. Lastly, generally when being billed for force-placed insurance, the servicer should n't have over-charged me, which did occur and is ongoing. 
Chase failed send a privacy notice to me once a year breaching the Gramm-Leach-Bliley Act. 
Secondly, Chase also failed to give me the chance to " opt out '' or say " no '' to information sharing under certain circumstances and Chase failed to describe how they will protect the confidentiality and security of my personal and financial information. 
According to a Federal Reserve press release, banking organizations including JPMorgan Chase & Co. engaged in " a pattern of misconduct and negligence related to deficient practices in residential mortgage loan servicing and foreclosure processing. These deficiencies represent significant and pervasive compliance failures and unsafe and unsound practices and I know I am a victim of these occurrences. 

Chase also recently did an appraisal on my residence this last mouth, the law states that I should receive a copy of that report. I have n't received a copy even after requested and I was charged {$350.00} for the appraisal without prior authorization or knowledge of this. 

And I am also a victim of assignment and securities fraud to which the assignment of my mortgage via J.P Morgan Chase Bank N.A, created a fraudulent document and forged signatures. 

Finally, this information was on public record - & gt ; ( A loan was issued by JPMORGAN CHASE BANK XXXX. ) This information is inaccurate. 
Please help me with these deeply concerning matters as I am being violated of my civil rigts
Consumer complaint received 2021-01-26
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. (TX)

XXXX XXXX XXXX should not be reporting to Experian and XXXX a collection in the amount of {$16000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) As part of my divorce settlement, my ex-husband was awarded ownership of the property. I immediately contacted XXXX XXXX XXXX to request they notify me should this account ever be in danger of reporting late payments. I wanted to make sure that if the account was in jeopardy that I would be able to make these payments to avoid any negative reporting on my credit report for the lack of due diligence of making the timely payments by my ex-husband. The account was reported as having late payments and I was never notified by the bank as requested and consequently the residence went into foreclosure before I could do anything to stop the foreclosure proceeding. I am not legally responsible for the property however, the lates and foreclosure are showing up on my credit report. This false reporting has cost me over 80 points on my credit score. This lack of correspondence and follow through from XXXX XXXX XXXX has seriously harmed my credit score and this line item needs to be removed. XXXX is reporting correctly. I no longer had any legal responsibility to this loan however, to assure that the loan was never to go into default, I wanted to cover my bases with XXXX XXXX XXXX. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bank as well as the bureaus to remove this however, I have not been successful.
Consumer complaint received 2017-02-22
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Security National Automotive Acceptance (SC)

My husband and i have a auto loan with SNAAC. We trade our truck in on XX/XX/XXXX. The dealership sent the payment to the company on the XX/XX/XXXX. And it sends it was delivered on the XX/XX/XXXX. It is now XX/XX/XXXX and they say they never received it. When i spoke the gentlemen this morning he said the address was wrong. But thats the address they have on the website for payoffs by mail.
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

Unauthorized fraudulent inquires that need to be removed, dispute received by company, company never responded and past over 90 days, fraudulent inquirys listed as XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  - Card ServiceXXXX XXXX - Card ServiceXXXX XXXX XXXX XXXX Equifax Mortgage SerXX/XX/XXXX
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

Unauthorized fraudulent inquiries that needs to be removed. Sent dispute to company. Company received and never responded after 90 days, Accounts listed as fraudulent inquiries : Equifax Mortgage Ser XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XX/XX/2020
Consumer complaint received 2016-10-01
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (LA)

On XXXX XXXX, 2016 My Certified Residential Housing Counselor and I place a call to Wells Fargo to apply for a VA modification due to my house is in foreclosure and have a sell date of XXXX XXXX, 2016. We was put on hold for around 25min, when we finally was able to reach an agent to assist us after the preliminary information was given we were disconnected, we again called again, waited about 12 min this time and once again when we was finally able to connect to an agent that was able to assist us and again after the preliminary information was given we was disconnected again. Therefore we called again for a third time and waited for about 12 min, was connected again and once again after introductions we were disconnected. It was a very frustrating experience, I do not want to lose my home, I have apply for a modification a few months ago but was denied due to my income, my income has now increase and I am an XXXX member of the XXXX. All I want is a fair chance to save my home
Consumer complaint received 2015-10-02
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (CA)

Kindly I have been trying to get my credit report and score from Equifax for months now without any success, although I have XXXX credit card accounts and I 'm able to see them all on my XXXX and XXXX credit reports without any problems. 
My problem is with Equifax , I tried to sign up for their complete advantage plan and they asked me to fax my Social Security card and Driver 's License to verify my identity so, I did, then they told me we wo n't give you access to your credit report because my Social security is based on my work permit, do they have the right to deny me access to my credit report and credit score on that ground? if so how come I am able to get my report and score from other credit bureaus then? 
Kindly I would really appreciate your assistance, as I 'm relatively new to credit and I 'm trying to build my credit score and every time I try to see my credit report from Equifax it tells me non matching Social security.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2017-02-09
Product: Debt collection — Credit card
Issue: Communication tactics — Called outside of 8am-9pm
Company: WELLS FARGO & COMPANY (NV)

I enrolled in an automatic payment program with Wells Fargo to catch up my past due balances. THEY were the ones that failed to enroll me in automatic payments after I made my XXXX time payment over the phone. They had my verbal consent to make automatic payments and had my routing number and bank account number to pull the funds from. It was their clerical mistake that they " forgot '' to enroll me in automatic payments. Now, they call me repeatedly and refuse to admit their wrong doing. This morning, a woman named XXXX called me on my work phone, which I have NEVER given them. I told her it was inconvenient for her to call me at work and she continued to harass me and pressure me to make a payment. 

I have tried repeatedly with wells fargo to explain that I was unable to make my payments due to a large decrease in pay. The only number they have on file is my cell number, XXXX and they called my work number, which I have never given them, which is XXXX. A woman named XXXX calling from XXXX was very rude and I asked her NOT TO CALL ME AT WORK and asked her how she got my work number. She proceeded to pressure me to collect debt when I have tried several times to reconcile with Wells Fargo given my current financial situation. I told her I was going to report her because her treatment toward me was not compliant, and she proceeded to pressure me stating that she needed to collect my debt.
Consumer complaint received 2016-10-01
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (FL)

On XXXX/XXXX/2016 - I was retained by Notary on the XXXX, XXXX a vendor of Wells Fargo. I was retained to oversee the opening a safety deposit box at a Wells Fargo branch in XXXX XXXX, FL. Wells Fargo retained the professional services of XXXX to drill open the safety deposit box. Wells Fargo failed to ensure that its vendors operated in an ethical business manner. In conjunction with XXXX, Notary on the XXXX Wells Fargo is defrauding the public by failing to vet its vendors.
Consumer complaint received 2021-01-26
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I received alerts that my credit was pulled by two credit card companies multiple times on XX/XX/XXXX and XXXX XXXX Which hard pulls were added to my credit report. I did not apply for any credit with these companies. Capitalone and Cap1/neimanmarcus
Consumer complaint received 2017-02-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SECURITY FINANCE CORP (TN)

On XXXX XXXX, XXXX I went to the apartment rental company ( Sunbelt Credit ) where I normally go to pay my monthly rent. Before I went to Sunbelt Credit I called them to verify that my account was closed. The representative looked up my account and stated that the account was closed, at this time she instructed me to stop by the rental office to pick up paperwork showing proof that my account was closed, and she actually gave me a refund check in the amount of {$140.00}. I do have this paperwork in my possession at this time and I will upload the document. After I received the paperwork showing that I did not owe any money, I received a letter in the mail on XXXX XXXX and XXXX, XXXX informing me that I still owe money to Sunbelt Credit. On XXXX I received a phone call from Sunbelt Credit 's corporate office stating that I have a balance that I still need to pay totaling {$140.00}. She informed me that I had to pay the balance right away, and if I did n't that they would report it negatively on my credit report. I did everything that I was suppose to do to ensure that the allotment has stopped and that I did n't owe any further or future money to Sunbelt Credit.