davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-03
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: EQUIFAX, INC. (MO)

Im writing because I have exhausted all efforts to correct my information with Equifax and associated agencies. 

It is apparant that my identity was stolen and Ive worked night and day to prove that I am who I say I am. 

Despite my several years of efforts these agencies have restricted me from getting credit. 

Please help me because I have the same rights as other consumers to have my information corrected.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-04
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. (TN)

Yes I had a Joint Auto Loan through XXXX XXXX XXXX that was opened in XX/XX/XXXX. The car was stolen in XX/XX/XXXX and the account became delinquent. When I reached out to XXXX XXXX in regards to the account they stated that the account was closed but it still actively shows as Open on me and my wife credit reports, It reports every month as Late. The account original balance was {$10000.00}. I have settled the account with XXXX XXXX as agreed with the creditor for {$2000.00}. But the Creditor is still reporting the account as open and late which is really hurting me and my wife credit. I have also Reached out to all three Bureaus ( XXXX, XXXX, and Equifax ) to have them investigate the account to correct the errors but they keep stating that it was verified as accurate which is not accurate. I ask that this issue be rectified as this is the only account on my report that is hindering me from moving forward.
Consumer complaint received 2020-11-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (FL)

Ive been applying and reapplying for loss mitigation with Freedom Mortgage., Ive sent over a dozen loss mitigation packets since XXXX of XXXX, I feel that there loss mitigation maybe a scam. My account was noted national emergency declaration,. Now its back to being delinquent. I was told I had 3 loan modifications already I told them Im a new 1st time home owner. Ive paid my mortgage every month up until my financial loss of XX/XX/2020 in which my mortgage payment became sending in loss mitigation packets. My freedom mortgage loan # is XXXX my FHA case # XXXX. I thought after freedom mortgage apologizing for mixing file up with someone else file about 6 months I thought things would go smoother., I was wrong.
Consumer complaint received 2020-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (FL)

XXXX has been charging me for phone services, i once had XXXX in 2015 but i had my account on hold because i was XXXX, my identity was stolen when i left for XXXX now they are saying i owe XXXX. I just want this debt erased under the SERVICE MEMBERS CIVIL RELIEF ACT
Consumer complaint received 2024-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Reporting inaccurate hard inquiries on my report without consent. I did not signed any application for an account or to obtain any product. These hard inquiries are unauthorized and invalid. They are not validated here are the inquiries, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-04-10
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. (DC)

On Thursday, XX/XX/ XXXX I contacted experian credit services about correcting inaccurate information on my credit report. I also asked to cancel the paid subscription I was using with them because I personally felt they were failing me as a consumer. I also mentioned that I was shopping for a home loan. Which, I regret doing! Today, XX/XX/XXXX XXXX I checked my fico scoring XXXX, & XXXX and noticed experian dropped my credit score by XXXX points! I called them today to ask why did they do that? I haven't picked up any new credit, my bills are paid on time, and they still haven't corrected my credit report! I feel this is discrimination because i'm XXXX and I no longer felt obligated to pay into a useless subscription with their credit bureau! Today I spoke with three of their employees and none of them : XXXX, XXXX in disputes, or XXXX could tell me why!
Consumer complaint received 2022-04-28
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. (TX)

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. 

BCM FCU 513040012002**** 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 1666B : States A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Yes I had a Joint Auto Loan through XXXX XXXX XXXX that was opened in XX/XX/XXXX. The car was stolen in XX/XX/XXXX and the account became delinquent. When I reached out to XXXX XXXX in regards to the account they stated that the account was closed but it still actively shows as Open on me and my wife credit reports, It reports every month as Late. The account original balance was {$10000.00}. I have settled the account with XXXX XXXX as agreed with the creditor for {$2000.00}. But the Creditor is still reporting the account as open and late which is really hurting me and my wife credit. I have also Reached out to all three XXXX XXXX XXXX Transunion, and XXXX XXXX to  have them investigate the account to correct the errors but they keep stating that it was verified as accurate which is not accurate. I ask that this issue be rectified as this is the only account on my report that is hindering me from moving forward.
Consumer complaint received 2021-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

In XX/XX/2021 I sent a dispute to remove outdated information on an account that is paid. Although they removed the payment history that was over two years old, the Payment status was not corrected, it is still reporting Late 60 days. This is incorrect information and needs to be corrected to Paid or current.
Consumer complaint received 2020-11-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America has violated me the original creditor, consumer/ natural person rights pursuant title 15 USC 1692 ( a ) of the Fair Debt Collections Practices Act. Bank of America has use deceptive practices to collect on a debt that is not owed by using interstate commerce exhibits attached. On XX/XX/XXXX consumer credit transaction took place. Bank of America has only benefited from the consumer sale transaction and me the consumer/natural person has not benefitted Fromm the consumer credit transaction. Pursuant 15 USC 1602 ( p ) unauthorized use of my credit card I did not benefit from this consumer credit transaction. This consumer credit transaction has financially injured me and XX/XX/XXXX Bank of American close my line of credit without my ( Original Creditor ) permission. I sent an affidavit of truth that must be rebutted or it stands as truth in commerce.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (TN)

Ally financial sent my account to a third party to collect. I settled with the third party and made my payments. I reached out to Ally financial to update the amount shown on credit report to reflect negative balance. They refuse to talk to me and send me to third party. The third party said they have sent them the information to show I paid but they refuse to update the information on the credit report.
Consumer complaint received 2023-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/22 Wells Fargo sent to me a notice informing me that they would delay the availability of the funds because THEY BELIEVED the CHECK MAY NOT BE PAID. 
Deposit date XX/XX/22 amount XXXX amount delayed XXXX which put my account XXXX in the negative. My account was placed on hold which affected my direct deposit not to mention the inconvenience. I have reached out to Wells Fargo multiple times with today being the most recent, only to be given the run around again and finally told that they couldn't process my claim.
Consumer complaint received 2018-02-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation (IL)

I was financing an auto loan with Bridgecrest and on XX/XX/2017 I was struck from behind while sitting at a stop light. The vehicle was total and XXXX sent a Vehicle Value Report with a settlement value and is waiting for the letter of commitment to finalize the contract. I called several times to close the contract so I can find another vehicle. It's been several weeks, Bridgecrest never contact my Gap insurance, is collecting payments, charging interest and stalling to secure another auto loan.
Consumer complaint received 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The late payments reflected on XXXX XXXX XXXX XXXX is not correct, I was not late on the month shown on the credit report, re investigate it and fix the accounts on my credit report
Consumer complaint received 2021-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION (NY)

We own a XXXX  in XXXX and during Covid we were not able to pay our personal credit cards and loans so we called the credit card companies to defer the payments and to close out accounts to lower the interest rate. Now, I am current with the credit cards and trying to get pre-qualified to purchase a home but I can't get approved because of the 30, 60, 90 days late payments that were incurred during the end of XXXX through the beginning XXXX. According the the president, the late fees were not to be assessed during Covid and the the creditors would help out. Well, I come to find out that is not the case since I am trying to get pre-approved and my credit score is being effected from the late payments.
Consumer complaint received 2021-09-20
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: EQUIFAX, INC. (VA)

XXXX XXXX reached out to me directly via telephone Employee : XXXX XXXX XXXX to inform me that she CAN NOT in fact verify the debt I allegedly owe because the School in in question has since closed. That the school closed because of unethical business practices. XXXX XXXX has NO proof that I attended this school, no signatures from me showing proof, and no way to verify this debt. 

I sent XXXX XXXX an Affidavit of Facts letter ( attached ) and there was no response to remedy this situation.
Consumer complaint received 2021-05-04
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: CAINE & WEINER COMPANY, INC. (NC)

Hello, I reviewed A copy of my credit report and it shows Caine Weiner reporting a balance of {$420.00} on all 3 credit report. This is a violation of the Fdcpa based on the charge of f/collection being reported with a balance.
Consumer complaint received 2018-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (MI)

Signed up for free trial with XXXX ( experian ). I cancelled the account within a week yet they continue to bill my credit card. I am not sure who runs this organization ... but they are scam artists. I have confirmations that my membership is cancelled. Everytime I call they say I have a free membership but they continue to bill. I can get through to an operator because they say I have a free membership. I even get emails three times a week to update my credit info. I am not sure how they get the charges processed with my bank. I think they must have used my information from my file without my authorization. Please help ... ..I can't afford {$360.00} a year.
Consumer complaint received 2021-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (WI)

On XX/XX/2021, I received and email from " XXXX '' that pretended to be computer service company. They claimed that I purchased their services. I did not. But they were charging me {$390.00} for their services for one year. Meanwhile they took control of my computer and stole my data, and then tried to hold me hostage for the price of {$3500.00} to return control of my computer to me. I felt I had to comply because my data was very valuable to me. So I complied and they fraudulently received my {$3500.00}, which was charged to my Wells Fargo Visa card. I then complained to Wells Fargo about this fraud, and after they investigated the incident as far as they chose to go, they blamed me for having complied with " XXXX '' company, and refused to forgive the charge on my credit card.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX : {$1600.00} XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX
Consumer complaint received 2022-04-29
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: EQUIFAX, INC. (MD)

In accordance with the fair credit reporting act XXXX XXXX account # 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 which also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-29
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: SYNCHRONY FINANCIAL (FL)

I have never opened a JCPENNY Credit card with synchrony bank ending in XXXX. I am in the process of disputing this account from my credit reports opened in my name in XXXX and XXXX. The XXXX account shows it was closed and the XXXX account shows it is still active and open. I have been out of the country for over 6 years and never shop at JCpennys. Their fraud dept sent me a letter and I am very concerned because this is ruining my credit & the balance is very high. Please help me remove this from my credit history. The credit bureaus advised me to file a fraud complaint with the FTC regarding any fraudulent accounts opened in my name. The second account is XXXXXXXX XXXX  and XXXX which I never opened with high balances that were put into collections.
Consumer complaint received 2022-04-29
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act the accounts listed below have 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 XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX XXXX XXXX XXXX  XXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX and XXXX
Consumer complaint received 2022-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (IL)

I received a letter from Hunter Warfield dated XX/XX/XXXX which was an attempt to collect on a debt that I did not owe, and never incurred. I received this letter on XX/XX/XXXX. I sent a demand for a debt validation letter on XX/XX/XXXX via XXXX certified mail. I never received the requested validation, or any communication from Hunter Warfield, until today. Today, XX/XX/XXXX I received another letter dated XX/XX/XXXX which was an attempt to collect on that same debt which I do not owe and never incurrred in the amount of {$1600.00}.
Consumer complaint received 2019-08-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

XX/XX/2019 I applied and was approved for a XXXX credit Card in a XXXX  store in XXXX, CA. I used the store 's computer and created an online account with a login and a password. I purchased two tires and charged them to the account. I was given a receipt that included only the last four digits of the card. It has been 23 days and I have not received the card. I received an email saying my bill was available online but when I login with the info. I created at the local store it accepts the login but requires me to enter the CC account number and the security code from the card as a verification step. I do not have the card. I've called twice. The first time I called they told me to be patient, the card would arrive soon. The second time they claimed they tried to call me to verify my info. before sending out. They then verified over the phone and said they would expedite card delivery and I'd receive in two days, its been one week and still no card.All my info. was verified during the application process in the store. I did not receive any call nor any messages. Both times they said they could not give me the account number over the phone. This is preventing me from making a payment and can cause me to be late and impact my credit. Their behavior is fraudulent and therefore illegal.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

Delete fraud alerts off of my credit XXXX : XXXX XXXX # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXXXXXX 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.