davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bristlecone, Inc. (VA)

on or around XX/XX/2017 I started receiving notices from this company XXXX XXXX stating that I had purchased a dog from them for over XXXX dollars at that time I became furious because i had not applied for credit and i have a fraud alert added to my report so before credit was issued they were to contact me. I requested paperwork from the company in regards to the dog all they could provide was a pre printed contract without my signature, I also filed identity theft in regards to this. This company has been very nasty to me and not providing much help. They have been contacted several times by my attorney in reference to this. I was also advised to file and XXXX complaint for crimes that take place over the internet.
Consumer complaint received 2018-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have 3 personal and 2 business credit card accounts with CAPITAL ONE. I have been with them since 2013 and have always paid my accounts on time. Recently, they reported two of my personal accounts to XXXX, XXXX and XXXX as being 30 days late when they were not. I have repeatedly asked CAPITAL ONE to correct this but they refuse to do so.
Consumer complaint received 2018-07-15
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. (FL)

Equifax refuses to delete collection accounts from my credit report that don't belong to me. The following accounts are currently reporting on Equifax ONLY. XXXX and XXXX quickly removed these since they were not mine but Equifax just ignores my disputes. 
1. XXXX/XXXX XXXX XXXX XXXX {$660.00} 2. XXXX {$510.00} 3. XXXX {$480.00} 4. XXXX {$870.00}
Consumer complaint received 2018-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Correct account status for XXXX XXXX XXXX loan is in good standing and current since XX/XX/2014. This account is not a charge off nor associated with open bankruptcy. XXXX XXXX has confirmed they are not updating an adverse or negative status to any of the 3 credit bureaus.
Consumer complaint received 2017-08-06
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)

Student loans began at the end of XX/XX/XXXX at {$21000.00}. Throughout the years of the loan I have had high payments, had to take forbearance, and also done income - based repayment. From XX/XX/XXXX til now I have only played off {$1700.00} off principle. It seems like all I pay is intrust, so far {$6600.00}. That comes out to 79.3 % of my payments have been intrust. The intrust vs principle payment is all over the board. From XX/XX/XXXX to XX/XX/XXXX, on an income based plan of {$110.00}, I payed {$320.00} to principle and {$1000.00} to intrust. Then in XX/XX/XXXX the income based plan jumped to {$200.00}. Seems like the loan company wants what 's best for them and not the loan holder. In the end I will be paying on these loans for almost 20 years before they are played off.
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

This company has failed to provide documentation on how this item is verified on my credit file. I have sent them multiple documents showing that this information is inaccurate and does not belong on my credit report. On XX/XX/2020 I sent over a copy of each of my credit reports from XXXX XXXX and Experian showing them the incorrect information did not match so how was it verified as accurate? They failed to remove the item and it is still reporting the wrong information. I reached out to their vendor XXXX to have the item investigated and they could not find this bankruptcy as a result of their reinvestigation. Experian is stating that XXXX quote on quote certified it as accurate. XXXX sent a dispute over on my behalf XX/XX/2020 to have this information removed and experian refused to remove it. And still stated that XXXXXXXX XXXX  verified on XX/XX/2020. How is that possible when the dispute came from their company? Experian also is aware that I have a mixed file and they still refuse to remove this erroneous unverified bankruptcy from my credit file.
Consumer complaint received 2020-11-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 31 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) is is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 31 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the wrong hands of the wrong person.
Consumer complaint received 2018-06-03
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNTRUST BANKS, INC. (FL)

SunTrust bank is trying to use any false, deceptive, or misleading representation or means in connection with the collection of any debt. SunTrust Bank claim that I own them money. I really believe that SunTrust Bank being discriminated against me because I'm a XXXX male. SunTrust Bank claim that original creditor was the XXXX XXXX XXXX XXXX as XXXX for XXXX. SunTrust Bank did not give me address for XXXX XXXX XXXX XXXX XXXX as XXXX for XXXX. What is the address for XXXX XXXX XXXX XXXX XXXX as XXXX for XXXX. I XXXX XXXX XXXX XXXX XXXX XXXX as XXXX for XXXX and do not exist. Have you contact XXXX XXXX XXXX XXXX XXXX as XXXX for XXXX to validate that it my account since I am a victim of identity theft? You have an affidavit from XXXX XXXX. This affidavit is hearsay because XXXX XXXX is not original creditor. If we go to court, I will reject this affidavit because it hearsay and not allow as evidence in court. You claim I owe {$28000.00}. I want to know how you calatue this amount. I am requesting history for XXXX XXXX XXXX XXXX XXXX as XXXX for XXXX, XXXX XXXX, SunTrust Bank, and XXXX XXXX.
Consumer complaint received 2023-01-31
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. (OK)

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. 

Account name : XXXX XXXX ; Account number 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 2022-01-07
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. ()

early last year my ex-wife totalled her leased vehicle, a XXXX XXXX. The vehicle was fully insured and insurance covered the loss and we were billed and paid the difference. The account was paid in full and closed and then we got hit with a " charge off '' that shows on our credit report monthly XXXX through XXXX of 2021 and knocked our credit down nearly XXXX points and still hasn't rebounded to the level that I've maintained for 20+ years. We contacted all of the credit reporting agencies to challenge the ding on our credit. 

There was no financial loss to XXXX XXXX, we have insurance and insurance paid as expected so why did I get slammed? It's credit reporting, not a driving record. 

The agencies went through the motions, after hours on the phones, weeks of back and forth we got a couple of letters saying that they investigated and will make no changeXXXX XXXX gave no relief either ; they stood behind what they reported to the credit agencies.
Consumer complaint received 2020-10-21
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Scott Fetzer Financial Group Inc. (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-05-04
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$1300.00} XXXX XXXX XXXXL XXXX {$2300.00} XXXX XXXX XXXX {$0.00}
Consumer complaint received 2020-10-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: PNC Bank N.A. (PA)

during covid 19 I was not granted any relief by my bank where my mom co signed for a credit card and personal loan my credit score in XXXX of 2019 was XXXX because of not being able to make loan payments or cc card payments and not being granted deferrals on anything I applied for pandemic relief and was told I never did my credit score is XXXX PNC has a collection agency all over me and I wanted to pay off personal loan my mother is on with me she had an XXXX credit score HAD I HAD A BAD check someone gave me so my personal bank account got overdrawn so now they want $ $ $ $ for that also There debt collector calls me and I told him I will pay off the personal loan my moms on as far as my own personal account they can kiss my but because I deposited the check and waited 4 days before I withdrew the money well as a courtesy they gave me the money b4 the check cleared thus for screwing me he told me he was calling to collect loan payments so I paid him all I owed on loan Turns out it was not for the loan I've swore to my mom it was paid off the man told me it was well I found out it isn't paid off and I'm passed it went to my personal bank account exactly were I told them I wasn't going to settle yet CAN A DEBT COLLECTOR JUST FLAT OUT LIE TO YOU
Consumer complaint received 2018-03-21
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. (MI)

This is to notify you that I contacted the following inquiry creditor for proof of authorization to pull my credit. I do not recall placing an application with such creditor, nor do I agree to having had my credit pulled by such creditor.

I reached out to the creditor who placed the inquiry and requested they remove the credit inquiry from my credit profile.

They have responded and does NOT have information or records in their files for an inquiry or credit application to be place on my credit report. I demand these inquiries be removed from my credit file at once : 1 ) XXXX  XX/XX/16 I am enclosing a copy of the letter mailed certified to the inquiring creditor, along with their response stating they do NOT have records of my inquiry.

With that said, I expect you to take this matter up and remove the credit inquiries from my credit file today or you will be in violation of the FCRA for reporting inaccurate and unverifiable information on my credit file.

Thank you for your cooperation.
Consumer complaint received 2018-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

My name is XXXX XXXX, I am a XXXX resident. I traveled to New York by myself for a week and on day 4 ( Sunday XX/XX/18 ) of my trip, I attempted to withdraw cash from a Wells Fargo atm using the card free access code and found that Wells Fargo froze my account in the middle of XXXX XXXX at XXXX. I understood that the bank needed previous transactions verified on the phone and when I called them in I was told I was successful in doing so. I proceeded to try the Wells Fargo atm again. This time it told me I had exceeded the amount of times I could use an access code. I called the bank again and spoke to 3 representatives all which tried to send me a code via text and all resulted unsuccessful because it was all controlled by the database They all stated I would need to wait 24 hours in order to access my money. I was left in XXXX XXXX XXXX, in the middle of XXXX XXXX alone and with NO money to eat or do anything. I booked a ticket back to California that same day due to the severe amount of stress this situation caused me. In addition to this problem, Wells Fargo has charged me over {$400.00} in transfer fees/ {$12.00} ea time from my savings to my checking all in the last 7 months.
Consumer complaint received 2018-03-21
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Movement Mortgage LLC (TX)

I was being told one thing one the phone then was told I had to sign something totally different from what I was told verbally. Each time I have asked questions I was threaded that if I did not do what was asked I would not get my house.

The Mortgage Company made me miss my original closing date which should have been XX/XX/XXXX due to them not turning in paperwork to underwriting as well as them not getting the paperwork over to the Title Company in time. I gave my credit card information on XX/XX/XXXX to pay for the appraiser. They call me onXX/XX/XXXX to try to bully me out of closing. Then then told me I had to sign to extend the closing or I would lose all of my money.

I also was given a final closing amount 3 days before closing then I was told 2 hours before closing that I had to bring {$1500.00} more to closing and if I did not I would loose all my money plus not get the house.

This Company has been harassing me. I have email proof that nothing else was needed now that I am in my house but this Company is still calling around asking things about me. XX/XX/XXXX I sent a email asking why is people from their company having people call to verify information when I already have the home and my loan has been sold. They refuse to answer this questions. I even only gave them written consent to verify information until XX/XX/XXXX.

This Company has even been calling my Employer trying to get me fired.

I pray that someone can please help me. I had taken it to Management and that is why I am now filing a compliant. They refused to solve my issue.

I even had to pay for a attorney on the behalf of the Mortgage Company and neither one of them showed up at closing and I still had to pay them or I would not get my house.

I cried the whole time I was at closing and was forced to sign papers and was told if I did not I would not get the house that THE XXXX  promised me.
Consumer complaint received 2020-05-16
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. (MO)

My identity and credit file has been modified and completely compromised without my knowledge nor consent. I'm in direct belief that my identity may have  either came vulnerable via the dark web and/ or within the data breach. I'm demanding that the following unauthorized accounts be removed and blocked from my credit file after it's determined that these accounts are not mines. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX/ XXXX XXXX 4. XXXX 5. XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX {$610.00} 8.  XXXX XXXX XXXX {$590.00} 9. XXXX XXXX {$70.00} 10 ) XXXX XXXX XXXX 11 ) XXXX XXXX XXXX {$790.00} 11 ) XXXX XXXX XXXX {$160.00} 12 ) Dept of EDXXXX  {$31000.00}
Consumer complaint received 2023-02-19
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: WELLS FARGO & COMPANY (CA)

I had spoken to XXXX XXXX XXXX. Office Case Specialist on the phone. She told me to contact the Credit Bureau & request them to send my XXXX credit report to me, that she claimed would show that Well 's Fargo submitted my paid second mortgage to them in XXXX. The credit Bureau informed me that they have no record of Well 's Fargo submitting a paid mortgage in XXXX I relayed this to XXXX over the phone, Received a XXXX  from her dated XX/XX/XXXX, XXXX along with copies of my prior complaints regarding my mortgage Refusing to give the Credit Bureau my paid 2nd Loan as being paid. Has Nothing to do with my First Mortgage which I'm still trying to locate as being paid off too. Thank you XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-11
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: TD BANK US HOLDING COMPANY (CA)

I recently filed a report with XXXX XXXX, and XXXX of inaccurate items being reported on my credit reports. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Consumer complaint received 2020-10-21
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. (TX)

The US Department of Education is continuing to report my student loans as derogatory on my credit report. As a a result of Presidential decree my loans are in CARES Act ADMINISTRATIVE forbearance through XX/XX/2020. However, they are neing reported as open and past due on Experian. This resulted in my being denied housing during the pandemic by CRA XXXX use of an Experian credit report. I ask that they immediately update this reporting. 
The Coronavirus Aid, Relief, and Economic Security Act or, CARES Act, was passed by Congress and signed by President XXXX XXXX on XX/XX/2020.
Consumer complaint received 2023-01-31
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. (OK)

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. 

Account name : XXXX XXXX Account number 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 2021-08-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: SF VAGO, LLC (IL)

In XX/XX/XXXX I applied for an automatic monthly payment plan authorization with State Farm Bank. I followed up with a telephone call and learned from State Farm Bank that the authorization was received. On XX/XX/XXXX, I received a Demand to Pay Letter from XXXX XXXX XXXXXXXX XXXX XXXX for the sum of {$21000.00}. After talking with this Agency on XX/XX/XXXX, I learned for the first time that this debt represented the auto loan which had been placed under the automatic monthly payment plan back in XX/XX/XXXX with State Farm Bank. I replied to the demand letter initially by requesting to know the origin of the debt which I disputed and suggested that possible fraud could be involved. I sent a certified letter requesting the source of the debt.

State Farm failed to give notice that my automatic payment authorization was problematic and/or payments were never received. No communication was received regarding my account. However, when correspondence was generated which was the Demand Payment Letter, it was received through regular mail. Why not the same approach regarding delinquent or nonpayment,
Consumer complaint received 2018-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TN)

This XXXX/Lowes account # XXXX was " paid-in-full '' on XX/XX/16 and " closed ''. The account is incorrectly being reported as " Derogatory '', " Open '', and in a " Payment Plan ''.