davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-18
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. (AZ)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX  XXXX FIN XXXX Date Opened : XX/XX/XXXX Balance : {$43000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX {$0.00}, Chapter XXXX Bankruptcy Reference # : XXXX XX/XX/XXXX Asset Amount : {$0.00}
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-27
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. (NJ)

THESE INQUIRIES FROM MY CREDIT REPORT. 


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. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 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 XXXX XXXX XXXX
Consumer complaint received 2024-02-26
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: FIFTH THIRD FINANCIAL CORPORATION (CO)

This was a total loss case on a XXXX 2020 XXXX. I called the XXXX  agent and they stated that the claim had already been received by bank. The loss claims send a letter that was never received by me. But never try to contact since I didn't respond. The letter was not certified which would have to be signed for which is unusual. The XXXX was released to state through a power of attorney for vehicles. They paid {$32000.00} and they received the maintenance plan refund {$170.00} and the extended warranty refund {$3300.00}. They put a late payment on my credit report for payment but I never received the correspondence from the bank. If I have to take them to court I will. They never gave me to address the issue. I also contacted XXXX  to send the documents they needed. If I need there was a issue l would have addressed it.
Consumer complaint received 2022-03-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

My forbearance began in XX/XX/XXXX thru XXXX XXXX XX/XX/XXXX was Informed by Bank of America XXXXhat I had three possible options, repayment plan, modification, or deferment of payments to the end of the loan. I was later told I did not qualify for deferment since I had a missed payment. After evaluation, it was determined that repayment would not be an option because the payments would be too high. The best option would be to apply for a modification. I completed my initial application for assistance in XX/XX/XXXX and provided the requested documents. In XX/XX/XXXX Bank of America had questions about bank statements that were submitted. I provided letters of explanation. 
My initial paystubs were deposited in my daughter 's checking account-provided letter of explanation to Bank of America XXXX In XX/XX/XXXX was informed that the letter was not satisfactory-BOA was requesting my daughter 's bank statement. My daughter did not want to share the information .BOA would accept letter from my daughter 's bank verifying account. The bank did prepare that letter for BOA. In XX/XX/XXXX, I was informed that the information was not sufficient and assets could not be verified. I have resubmitted a request for mortgage assistance -my paystubs are now deposited into my account. I received a letter from BOA that assets could not be verified. I spoke to BOA and was asked to re-submit the application. I re-submitted the application and again received the same response. Bank of America has received all updated documentation but is sending the same response.
Consumer complaint received 2022-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

i made a cash deposit on XXXX they not only not credited my account they deducted it it from my account as a check so they owe me my deposit and the debit they took so they owe me XXXX deposit plus the debit of XXXX out of my account
Consumer complaint received 2023-04-18
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. (IL)

Experian has not deleted these unknown inquiries-XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXX has not deleted these unknown inquires, XXXX XXXX XXXX has not deleted these unknown inquires. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2023-04-18
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: Experian Information Solutions Inc. (MD)

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 XXXXXXXX : # XXXX, XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (WA)

My property insurance was high but I have been getting even higher quotes when shop around since 2022. Finally I found that there was a false claim for my property address on consumer report published by LexisNexis. It appears that a neighbor of mine filed a claim against my property with his insurance XXXX. XXXX denied the came and yet submitted the {$0.00} claim to LexisNexis. Both allstate and lexisnexis knows that this is a wrong claim and yet published against my property. I have been trying to contact LexisNexis. They rejected my online dispute despite providing all necessary information. I tried calling them multiple times, each time the calls drops after XXXX minutes and today I got a hold of them. They said they would initiate a dispute despite acknowledging that it was a false claim. 

As a part of verification, LexisNexis asked every question about me, they know everything about me and they know the person who filed the claim, they also knew that its not me or my wife. And yet, they don't want to act. This is clear fraudulent activity by LexisNexis and XXXX.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

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
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following account : XXXX : Account Ending XXXX
Consumer complaint received 2022-08-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mid-South Adjustment Co., Inc. (AR)

Mid-South Adjustment Co.p.inc phXXXX. Placed on my credit report a balance of XXXX and I have sent documents showing the statement showing my insurance paid and I sent copies of two checks showing i paid the balance of a total XXXX and yet they refused to take the negative mark off my credit report and I work for the government and paid my bill.
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

A Chase Credit card shows up on my credit report as past due amount from XX/XX/XXXXand that the amount was charged off. This card was paid as agreed and not a charge off. The information is incorrect.
Consumer complaint received 2019-02-28
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Tennessee Quick Cash, Inc. (TN)

My husband died suddenly and as a result I had to appeal and verify my claim with the XXXX XXXX. On XX/XX/XXXX to travel to Washington, DC I made a vehicle title laon with TN Quick Cash later that XX/XX/XXXX I mad an additional loan of {$1000.00} making the total {$2000.00}. During this time I was unemployed. I informed them and trying to work out a lower payment and their, agent said, " on, and informed me how he was going to send someone over to get the car. This was XX/XX/XXXX. I never got any statement. to this day, XX/XX/XXXX, I have never received " any account statements '' I had to file bankruptcy due to the problem with the VA. My attorney tried to work out a payment with TNQuick Cash in XX/XX/XXXX. They then notified the court which dismissed my case. 
Tday XXXX, without notice, TN Quick Cash came on my driveway, without any notice and repossesed by car. This is wrong and they have never supplied me with any account balances or statements. 
Please investigate. I have proof of other actions of them being on my property at night.
Consumer complaint received 2024-02-27
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: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-07
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NE)

I made an application to the Nebraska Homeowners Assistance Fund and the application was approved in XXXX. The people from XXXX have been trying to communicate with our mortgage lender and servicer which is Shellpoint Mortgage Servicing for over two months now. They have sent electronic communication to Shellpoint requesting amounts due on the mortgage so they will be able to send funds for the delinquent mortgage but Shellpoint has not and will not respond at all. We have called Shellpoint over a dozen times and three way called them with the XXXX and they keep telling us they have no way of seeing if they received any communication. Shellpoint keeps sending letters of amounts due and foreclosure warnings but will not acknowledge the approved application with the XXXX. XXXX is ready to send funds over for the mortgage that is due but Shellpoint absolutely will not respond or acknowledge them and we are scared of getting foreclosed on our home. If there is any way you can help we would greatly appreciate it. 

Thank you
Consumer complaint received 2019-02-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TD BANK US HOLDING COMPANY (VA)

After making 16 payments to XXXX XXXX XXXX part of TD bank group I missed two payments due to a car accident I called and told them but they repossessed my car and wont work with me. They are very rude and unprofessional and wont help me out even though I a veteran and recovering from a car accident
Consumer complaint received 2020-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (PR)

ERC a debt collection agency is trying to collect a debt that I do not owe. They sent me a collection letter for the first time without any phone call. I didn't authorize nobody to use my information. 

They are collecting an amount of {$3100.00} from an assumed balance of {$1500.00}. 

This company have base in Pennsylvannia.
Consumer complaint received 2023-07-07
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. (AL)

I recently obtained a copy of my credit report and noticed that there was some unauthorized inquiries on my report that was not given with my written instructions. Those Inquires listed below 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 2023-04-18
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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY (FL)

I applied for a credit card with American Express and they said that I was approved and they were sending me my credit card and I would get it on XX/XX/XXXX and when I asked for a tracking code they never gave me one and they said that I was going to get my card on the XXXX by the end of the day and I never got it and I have tried to contact them to find out why they don't answer me.
Consumer complaint received 2019-02-28
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: EQUIFAX, INC. (CA)

i requested that Equifax send to me documentation of items that they are reporting on my credit file and to do a proper investigation ( this was 60 days ago ) I requested copies of the documents with my signature verfiying that they are reporting on my credit file and all they sent me was a credit report with some of the items deleted. There was no investigation done other than them going back to the furnisher who orginally provided the inaccurate and unvalidated information. I explained to them that there is also someone with my same last name that they may be reporting on my file. 

THEY DID NOT DO A PROPER INVESTIGATION AND THEY DID NOT SUPPLY ME WITH THE INFORMATION I REQUESTED AND IT HAS BEEN 60 DAYS.
Consumer complaint received 2019-02-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (TX)

I was just informed during a telephone call that I made to Radius Global Solutions by a supervisor by the name of XXXX XXXX, that they are attempting to collect a debt of {$800.00}. My credit report states that the alleged debt is {$770.00}. She then also stated that there was some other {$25.00} charge.The telephone call took place at XXXX central time. It was also stated the 3 times I was placed on hold that the call can be recorded or monitored. It also turns out that she confirmed that the account was opened with them on XX/XX/2019. I had no knowledge of this due to them not stating who they were on the telephone when they contacted me some weeks ago. I did tell them to only contact me by mail. And they did, BUT they sent the documentation to address I have not been associated with for the past 2 years 5 months. It also turns out that XXXX XXXX stated that the debt was bought by them from the original creditor XXXX XXXX XXXX XXXX. I do know for a fact this debt did also come from a company called XXXX XXXX before the date that Radius Global Solutions on XX/XX/2019. When the accout was in the hands of XXXX XXXX it had gotten deleted due to not being able to Validate the debt. XXXX XXXX XXXX is a debt purchasing company, not the original creditor of this debt. If the Original creditor is no longer attached to this debt and can not be validated this item need to be removed IMMEDIATELY. Thank you.
Consumer complaint received 2019-02-28
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. (IL)

I've used XXXX for the 3 credit bureaus since, I think, XXXX. Never any problems with hundreds of other web sites. I've used the latest version of XXXX on XXXX XXXX since XXXX. All patched and working perfectly. 

XXXX and XXXX credit reports have always been available on-line. 

Equifax was last available in early XXXX. That's right -- their web site has said the credit report is not available on-line, in so many words, in XXXX, XXXX, and now XXXX. 

They have a legal obligation to provide the credit report, and I should think that a functioning web site is part of that obligation.
Consumer complaint received 2017-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NV)

Notified EquifaxXX/XX/XXXX, and sent another dispute in XX/XX/XXXXof a public record/employment record showing up on their credit report as not accurate. I asked for deletion, if documentation could not be forwarded to me, instead of hard documents, they simply stated they received the information from a 3rd party ( XXXX ) ... ... The problem is it 's not mine. They know it 's not mine, because they ca n't even send documents!!! I never owned any property with back taxes in California, or any other state/country. They are listing this information based on a computer " probability '', and not based on any physical absolute, hard documentation with names/signatures. Image 3781 attachment : Is FROM XXXX. As you can see ... .NONE OF THAT INFORMATION MATCHES. Not my name, not my address, not even the case # 's of this mystery lien.This is unacceptable that privately held companies by the name of CREDIT REPORTING AGENCIES, in our country can just place things against consumers ' names, and WE ARE THEN LEFT WITH PROVING IT IS NOT REAL ... ..WHEN IT WAS NOT REAL TO BEGIN WITH!!!!!
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (GA)

ccs credit collection services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ma XXXX XXXX orginal cerditor XXXX XXXX prop casualty in accordance to a fair credit reporting conversion the said account number XXXX has violate my rights to privacy, acccording to 15 USC 1681 section 602 states that i have rights to privacy 15 USC 1681 section 604 section 2 states that consumer reporting agency can not furnish an account without my written instructions