davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-07
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-01-31
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. (TX)

I'm sending this complaint to request unauthorized credit inquiries be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-11
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-05-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

I started the process for my loan modification in XXXX because I couldn't pay for a couple months due to my work shutting down when COVID started. I have been paying on time since last XXXX. Wells Fargo has lied about sending paperwork and put wrong names on my paperwork 3 times now. I have gone all the way to the executive office and they still sent me the wrong paperwork after one employee told me she read it and it was correct. They are holding up my refinance with another bank because I can not stand working with Wells Fargo any more. The employees are absolutely awful and I just need this paperwork closed so I can move on from then.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2024-01-31
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. (TX)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-07
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. (NC)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2022-10-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (TX)

On XXXX My property was under contract and about to close only thing missing was a Payoff from Planet Lending. A representative told the title company verbally the payoff was XXXX. On XXXX Planet lending supplied the Title company with a payoff of XXXX. 

I called planet lending to speak to my Customer relationship manager. I told the Representative that I was at the closing table to payoff this loan. However, the payoff stated I owed XXXX. I requested them to look at the loan and help so I could close. The representative told me that they wouldnt help with any money. They prefer to foreclose on a VA loan because its a fully backed loan and they will get all the money. They would not help because they can get the VA for full amount. 

Planet lending is charging XXXX in Default escrow fees for paying the taxes and insurance. However, Im a XXXX vet and have homestead and XXXX vet exception. 

The amount supplied on XXXX to the amount supplied on XXXX was a result in {$12000.00}. They refuse to reduce the {$55000.00} in fees because they want to stick it to XXXX XXXX! This phone call was recoded by Planet Lending where you will here the representative tell me why they wouldnt help. My principal balance was {$330000.00} and now I owe {$390000.00}. The house was sold and ready to close on the XXXX where planet lending could recoup all money! However, they would rather not help and foreclose so they could get XXXX for full amount
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

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 2021-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Recovery Service Incorporated (CA)

I, XXXX XXXX entered into a consumer credit transaction with XXXX XXXX. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 use 1605 a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges I was not expecting a bill.XXXX XXXX sent me a bill which is a violation of 15 USC 1692b. XXXX XXXX also sold my account over to AMERICAN RECOVERY SERVICE INCORPERATED which they are now attempting to collect this allege debt. Which is now reporting to my credit reports which are in violation of 15 USC 1692 ( d ) 1 and 15 USC 1681a ( 2 ) b, hurting my reputation by not excluding this from my my credit report. AMERICAN RECOVERY SERVICE INCORPERATED is also in violation of 15 USC 1692j for furnishing certain deceptive forms trying to collect debt not owed to them ( See attachment Exhibit! ). AMERICAN RECOVERY SERVICE INCORPERATED Is also in violation of15 USC 1692b ( 5 ) for putting their logo on the document ( Exhibit A ). AMERICAN RECOVERY SERVICE INCORPERATED is in violation of 15 USC 1692b ( 2 ) saying they are a debt collector and saying " This is an attempt to collect a debt and any information is obtained will be used for that purpose ( Check Exhibit A )
Consumer complaint received 2017-08-27
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: LEXISNEXIS (TN)

multiple agencies are making unlawful mistakes : sending my mail willy nilly wo consent reporting move when I didnt move and then refusing to give me an updated report after demand for removal under part 209 FCRA. 

unfair credit abuse and slander and oppourtunity to repair good name after multiple companies, including a XXXX bankruptcy atty have broken the law and burned me on bad deals. 

refusing to provide a working fax number, or failing to maintain it. 
repeated attempts get cut off at 5 page mark or need multiple ( 100s ) of attempts to go thru. ( companies refuse to reasemble on remote end because of this ) this includes key credit which is supposed to help consumers. 

XXXX XXXX XXXX XXXX XXXX  lexisnexis all guilty and have lied to me on paper about what they have done.
Consumer complaint received 2022-10-07
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. (CA)

This is my XXXX attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} and XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} or XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2018-07-10
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (VA)

I completed my payments on my auto loan on XX/XX/2017, and now, more than 195 days later, all three credit bureaus continue to show the loan outstanding. 

After 90 days had passed -- since that was their window for reporting to the bureaus -- I began calling periodically. I have now called the company 6 times. Each time, I have been told that the company had a computer issue, but it was " recently '' fixed and my account would be reported to the bureaus by the end of the week. An additional 90 days have passed since I was first told that, and the account has still not been reported as paid in full, per a conversation with an agent yesterday. 

I have, on three occasions, asked to speak with a supervisor. I have been passed on to voicemail boxes each time with a promise that I'd get a call back by the end of the day. I have yet to get a call back. 

GM Financial says they update accounts paid in full within 90 days. I have waited more than twice that without any resolution.
Consumer complaint received 2021-03-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX XXXX
Consumer complaint received 2018-07-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (KS)

I have autopay that pulls monthly on the XXXX. I pay extra each month to the highest interest rate loan. I have it in my settings to not advance the due date. Navient 's autopay pulls the same amount each month, even if the statement shows I owe less. The autopayment and statement difference is sprinkled across all my loans, putting as little as less than {$2.00} on the highest interest rate loan, because Navient advances my due date on whatever loan I pay extra on, even when I direct it not to. This has been happening since XX/XX/2018. I called the first time XX/XX/XXXX, and they backed my due date up so my autopay would be applied appropriately. I called again on XX/XX/XXXX, and the agent was not helpful, and told me I'm not making my payments correctly, and switched my settings to pay on the highest balance, which is not what I want. While currently that would apply the extra on my loan to the highest interest rate, it won't be correct for long as I pay extra each month.
Consumer complaint received 2023-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (NY)

I opened up a XXXX XXXX  checking account and funded {$50.00} with my Ally Bank Debit card. Ally Bank processed the transaction as 4 transactions ( credits and debits ). The first transaction was on XX/XX/XXXX and {$50.00} was withdrawn. The second transaction was on XX/XX/XXXX and {$50.00} was credited back. The third transaction was on XX/XX/XXXX and {$50.00} was withdrawn. The fourth transaction was on XX/XX/XXXX and {$100.00} was withdrawn. The net effect is that {$150.00} was withdrawn yet only {$50.00} was transferred to my new XXXXXXXX XXXX checking account. Ally Bank needs to credit my checking account back the difference of {$100.00}
Consumer complaint received 2021-03-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have contacted the bureaus well over 30 days on XX/XX/2021 to be exact. I have not received any information on the investigation as these items are still reporting and it's stopping me from moving forward as I have no knowledge of these fraudulent accounts.
Consumer complaint received 2020-06-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Neon Newco Corporation (DC)

Netspend closed all accounts, including but not limited to eight bank cards, leaving access to absolutely no funds. After numerous unauthorized transactions occurred, including but not limited to hotel charges, the bank decided to close the accounts, no notice was given and the accounts were closed by their risk management team. There's over a XXXX dollars in unauthorized/disputed transactions, but they advised there's only {$30.00} in the accounts. Netspend is trying to avoid taking a loss on the transactions by terminating the accounts and leaving the customer stranded and without money. Customer believes this situation has staged and he's possibly being framed or setup.
Consumer complaint received 2022-04-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Multiple calls after a stop call letter was sent. Using phishing numbers to try and collect an old debt from 4 years passed. Was taken off report in XXXX then resubmitted in 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 — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I got my XXXX XXXX XXXX last XXXX, maybe around XXXX, at XXXX XXXX in XXXX, CA and I have submitted a loan request to XXXX. The manager said I was not approved, so he told me I can apply at XXXX XXXX, so I did. After some time, I got both statements from XXXX and XXXX XXXX. I went back to them to asked which one I should pay because of course, I only got 1 car so why should I pay 2 payments? They told me to keep the XXXX XXXX  and that they are going to close it. I don't know why but I was still getting some statements that says I owe them {$110.00} for the interest but of course I am not going to pay that amount because it's not my fault that they made a mistake. Why would I pay that? I ignored it for how many months in XXXX because I trusted that they are going to close it anyways. 
Fast forward, I got tired for getting those statements so I told them to close the account but what happened instead, was that my credit report has changed. Suddenly, my {$110.00} balance became more that {$18000.00} and I had delinquent account, and that I owe them {$3000.00} or so. My XXXX credit card was closed due to this fraudulent report that appeared on my credit report. I was angry and so I sent them a letter that if they won't change it, I'm going to sue them in court. They said they were going to change it. I went ahead and also contacted experian to correct this mistake. 
Fast forward to today, XXXX XXXX, I found out that the report says that it was ACCURATE, and XXXX confirmed that those were not mistake even though they knew it was fraudulent. So that's why I am reporting them now. I even bought a package for oil change back then which I didn't use in fear that they might sabotage my car and I might get into an accident since I no longer trusted them because of what they did to me. Please help me correct this mistake that they did to my credit report. I hope you investigate this business. THEY ARE FRAUD AND SCAMMER. THAT'S ALL I CAN SAY. THEY DON'T HAVE ANY SHAME.
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9500.00}, {$5000.00}, {$7500.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7500.00} -This is not my account. 


-- AUTO LOANS OR LEASES 4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.