davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-22
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. (TX)

CREDENCE RESOURCE MANAGE Account XXXX CREDIT XXXX BANK Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX RESURGENT/LVNV FUNDING Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX SCENIC HWY XXXX XXXX, LA XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX XXXX XXXX FAIRLANE CT XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX SCENIC HWY XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, LA XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, LA XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX FAIRLANE CT XXXX XXXX, LA XXXX SINGLE FAMILY XXXX SCENIC HWY # XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX FAIRLANE CT XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

On XX/XX/2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2024-01-26
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: Experian Information Solutions Inc. (NJ)

I do not recognize these inquiries and request that they be removed. 

XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXX XXXX ( Auto ) XX/XX/2023 XXXX XXXX ( Auto ) XX/XX/2023 XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXX XXXX ( Bank ) XX/XX/2023 XXXX  XXXX ( Bank ) XX/XX/2023
Consumer complaint received 2023-01-30
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. (NY)

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.
Consumer complaint received 2020-11-12
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. (FL)

THE ACCOUNT THAT I AM DISPUTING, DOES NOT BELONG TO ME AND I HAVE NO KNOWLEDGE OF IT. THERE IS ALSO A LATE PAYMENT REPORTING ON A XXXX/XXXX ACCOUNT THAT NEEDS TO BE ADJUSTED. THE LATE PAYMENT ACCOUNT NUMBER IS XXXX. THE DATE IS XX/XX/2019. I AM ASKING THAT THE DEROGATORY ACCOUNT BE REMOVED FROM MY CREDIT FILE AND THE LATE PAYMENT BE ADJUSTED AS SOON AS POSSIBLE.
Consumer complaint received 2024-01-26
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (FL)

I called the company named credence resource management about an account for {$6100.00} and I requested any information about why is it so much that I don't owe so much. And they told me that they do not have any information only that I need to pay them. And I asked are you sure that it's my account? And they said it is from the year 2020 and they don't have any information. Please delete this company from my credit report because this account is invalid.
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 — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

After reviewing my credit report, I noticed a series of inaccuracies on an account. ( XXXX XXXX ) I have disputed this account as inaccurate with Experian, XXXX, and XXXX on numerous occasions demanding they do a proper investigation into the facts of the account information and it always comes back verified. How are they verifying this when the open date is different on all three reports, as well as the payment/collection/charge off dates? 
I have demanded that this account be removed due to the inaccuracies and unfairness of the report. This item is interfering with my ability to obtain housing due to it being reported as a rental. I have no knowledge of ever having a rental with this company. According to the FCRA, reports need to be 100 % accurate across all three bureaus. this is a direct violation of the law. 

Furthermore, my rights have been violated under 15 U.S.C. 1681 sec.602 ( a ) states that I have the right to privacy., and 15 U.S.C. 1681 section 604 that also states that a consumer reporting agency may not furnish an account without my written permission.
Consumer complaint received 2023-01-30
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. (FL)

This is my fourth time requesting that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 2020-11-12
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. (FL)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Collection Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor name : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX 
Original creditor name : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information )
Consumer complaint received 2021-09-15
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. (DE)

Requested certified and validated letter from their data furnisher on the accounts showing a bankruptcy. TransUnion states the reports are valid and verified by my bankruptcy attorney but fell short of providing evidence of written verification letter from him/her, plus a consent was not provided by me to access information from their so called attorney. I still need a letter of validation from the bankruptcy court and/or data furnisher about the two bankruptcies that appear on my credit profiles. 

Additionally, XXXX is reporting inaccurate information on the same bankruptcy. Has it discharged. 

XXXX states that it was able to validate the bankruptcy with its data furnisher but did not provide me with the name and address of the data furnisher. In the past, they all claimed that the bankruptcy report was from XXXX. I contacted XXXX which wrote that the information was unverifiable and that it would be removed and/or deleted. 

According to FCRA, information must be verified, validated, accurate and fair. 

Please have all 3 bureaus send me certified letter with information of their data furnishers instead of false incomplete and inconsistent claims they continue to make about their credit report data sources. 

Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2021-09-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2023-01-30
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. (OH)

In accordance to 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 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  15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. SECTION 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) SECTION STARS : 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 or crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A OERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF TH PERSON KNOWS OR HAS REASONABLE CAUSE TI BELIEVE THAT INFORMATION IS INACCURATE
Consumer complaint received 2020-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

Bank of America close my account without advance notice. I attempted to make a payment on XX/XX/XXXX, and was informed by customer service that my account had been closed. I wrote a letter onXX/XX/XXXX to their company, asking them to please reopen my account. I have not received a response.
Consumer complaint received 2020-09-04
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. (OK)

The following fraudulent accounts are on my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX A {$240.00} XXXX XXXX XXXX XXXX {$380.00} Account number XXXX ( no name provided ) {$120.00} I have been trying to get this resolved since last year with no luck. please help
Consumer complaint received 2020-09-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

XXXX XXXX are reporting two outdated accounts on my credit. I called XXXX and they stated that both accounts are 10 years old. Yet they continue to re-age the accounts and report them on my credit. I have been disputing these accounts with XXXX for a year now and they are still violating the Laws of the FCRA
Consumer complaint received 2017-07-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (MA)

I purchased my XXXX XXXX XX/XX/XXXX, 2013, at the time of the purchase Ally Financial Inc. and Ally Bank ( Ally ) was the bank who offered me the fraudulent loan on my vehicle. As an XXXX XXXX female borrower, I believe there was predatory lending involved in my loan and I paid a higher interest rate and continue to pay unusually higher fees for my auto loan because of Allys discriminatory pricing system. <P/>Though at the time it did not all come together over the life-time of my loan I have bean to see that was charged and interest rate that was significantly higher and the loan continues to report inaccurately regarding late payments. When I make my on-time payments to Ally they tack on this exorbitant fees that they classify as late fees. But the payments are not late. I continue to be overcharged because of of my race and gender and am a victim to a very sick system that continues to violate the rights of people of color and women across the country. <P/>When I financed the purchase of my XXXX from the auto dealership, the dealer facilitated indirect financing through Ally. Ally set a risk-based interest rate, or buy rate, and then allowed XXXX to charge me a higher interest rate when they finalized the deal with me. This rate was solely based on my race and gender. The ECOA prohibits creditors from discriminating against loan applicants in credit transactions on the basis of characteristics such as race and national origin. <P/>Allys discriminatory pricing and compensation structure has caused me severe damage on my credit report. I have paid for the car almost two times over at this point and still owe {$13000.00} after 4 years of consistent payments. <P/>I have attempted several times to clear this up with Ally and to get the erroneous errors on my credit removed and the loan updated or removed and they continue to attest that I am wrong. Ally you are thief and a predator. You pray on women and minorities and this can not go unpunished. I am writing to have all derogatory items removed from my credit report and the fraudulent auto loan be paid in full.
Consumer complaint received 2022-04-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: United PanAm Financial Corp. (VA)

Hello, on XX/XX/22 I tried to pay off my auto loan. After speaking with XXXX different ladies I was told the only way to pay off the loan early was through XXXX XXXX, or mailed Cashiers check. I do not feel secure with either of these options. I complained by email to their customer care address and was responded to on XXXX that XXXX XXXX XXXX XXXX XXXX or XXXX check were my only options. I again do not feel secure using any of those XXXX options. 
I have begged to let me do a check by phone, or secure payment through the internet, but they refuse.They take payment monthly from my account but refuse to let me pay it off that way. I just want to pay off this exorbitant interest rate loan. 
The company 's name is United Auto Credit and they are based in California.
Consumer complaint received 2017-07-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

My loan is from XXXX XXXX XXXX XXXX, CA for a XXXX XXXX XXXX XXXX certificate back in 2001. I could not do the XXXX required to get certified after completing the class. I was working full time single head of house so going parttime was not an option. I could not attend a XXXX offer for 4 hrs a day for a month to complete my certificate so I could not become a XXXX or XXXX. I however paid {$1000.00} cash and a loan for the rest like {$4000.00}. I have tried to make payments of {$50.00} as agreed upon a long while ago. I however was called by a lawyer who told me they could get 65 % off my loan amount removed ( I have 2 different loans totaling {$13000.00} estimate ). The cost was {$150.00} a month and could take 18 to 24 months. I went with them and they told me I could stop paying on my loans until it resolved if I chose so I stopped paying. I was told I would not get harassing calls by the lawyer but I still did every day sometime twice a day. After about almost 6 months I said forget it and dismissed the lawyer and began paying on my loans. By this time they said I went over my 260 day before it goes into default but I think I am a few days short. They would not hear it they just kept talking garnishment of my pay check. I had to agree to make large payments of {$310.00} on one ( XXXX ) and the Navient/XXXX of {$370.00} that I fell is a whole lot leaving no money for my other expenses. My big concern is with Navient who said they sold the loan to XXXX and that I was in default. I got a bill from Navient last month that says my payment is {$50.00} due in XX/XX/XXXX and when I was making payments to them I called and asked if I was behind on my payment and they said no. I am confused why they say I am ok but this XXXX said I am in default and set me up with these large payment that I had to agree to or have my paycheck garnished. I want to go back to paying my regular payment and be taken off the default list as I am not according to Navient in default. My name is XXXX XXXX and my contact phone is XXXX
Consumer complaint received 2022-12-14
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. (TX)

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 2020-11-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (TX)

I requested Forbearance on XX/XX/XXXX per phone and also sent an email with the appropriate FHA information regarding Forbearance. Other than an automated email asking for 4-7 days to review, I received no response until XXXX XXXX to let me know that Forbearance was not an option for me. On XXXX. XXXX, I emailed FHA information pertaining to my particular loan type to Vanderbilt. Received a response back on XXXX XXXX to let me know that there were no options available to me. I have called the FHA reaource center three times and these options are available to me by the CARES act, but not being granted by the mortgage company.
Consumer complaint received 2021-04-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo Home Mortgage sold/transferred my mortgage to XXXX XXXX XXXX XX/XX/XXXX. I had applied for and was approved for forbearance by Wells Fargo Home Mortgage in XXXX of XXXX due to COVID for 6 months. In XX/XX/XXXX Wells Fargo Home Mortgage asked if I need an additional 6 months for COVID. I applied and the first payment due again was XXXX XXXX. I made a payment to Wells Fargo starting the payments again. In XX/XX/XXXX I am being told Wells Fargo Home Mortgage transferred my loan to a mortgage debt collection company and they have the forbearance as a balance that is due by XXXX XXXX or have my house put in foreclosure.
Consumer complaint received 2023-01-30
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXXXXXX XXXX : {$370.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00}
Consumer complaint received 2020-01-21
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. (NJ)

Requested for Equifax to investigate into this account that I had no knowledge of. Multiple account errors and personal information also listed on my credit report. 

Sent certified mail. 

Equifax didnt investigate thoroughly and verified as accurate. I contacted FTC. 

This item isnt verified as accurate and I know for a fact I do not have validation for this item. This item must be promptly deleted per Section 611. Furthermore, the account is incomplete account information and by law, this shouldn't be on my credit report. I will be pursuing litigation for inaccurate information thats not been verified and personal address and incorrect information.
Consumer complaint received 2017-08-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I currently have a federal tax lien filed in XX/XX/XXXX on my Equifax credit report. It does not comply with the new reporting standards, and the lien has already been removed from my XXXX report ( was never on my XXXX report ). Their dispute mechanism merely requests verification of the lien and does not include a mechanism for this particular dispute. Please note that in connection with this submission, the summary keeps reporting my birthday as XX/XX/XXXX. It is actually XX/XX/XXXX. It will not correct for some reason.