davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-03
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. (NJ)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2020-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (OR)

Hi, On XX/XX/XXXX I had 4 payments posted to my Visa Credit Card that were not made by me. {$930.00}, {$1.00}, {$1000.00} and {$5.00}. I mailed Visa a check for {$50.00} and another one for {$100.00} to go towards my Visa balance and that posted on XX/XX/XXXX as well. Wells Fargo is saying that another customer somehow made payments to my Visa account via check/mail from their checking account, but this isnt making any sense. They mailed me a refund check for {$860.00} because my account got messed up and they didnt know what was going on at the time. On XX/XX/XXXX the 4 payments not made by me were turned into Payment Reversals and the bank is saying I owe all this money back, with my current Visa balance totaling {$2300.00} ( that I owe that much $ ). I was not notified via mail on any of these matters by my bank after being reassured everything would be taken care of on their end. I was told I got a credit on my old Visa but that I no longer get a credit due to closing out my credit card and getting a new one per my banks request. No positive steps were recorded as taken by them, they went straight to Payment Reversal. Bank would not discuss this in person and on the phone were not helpful/nothing was resolved/was given no claim #. I called them multiple times for several weeks. Looking at my debit card account and Visa account none of this is adding up. I spoke to them on several occasions, including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and others and they keep saying I owe my total Visa balance.
Consumer complaint received 2019-10-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (IL)

XXXX sold my information to a Debt agency and I was never given notice of them doing it. I've called XXXX numerous times letting them know that when I called to canceled service there representative told me that there was no balance due and the service was canceled and closed. I know go on my credit report and have a company that I know nothing about and I never gave them my information reporting a negative impact towards my credit. I knew nothing about this debt nor was I even given a chance to dispute it.
Consumer complaint received 2020-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

BEING A VICTIM OF AN IDENTITY THEFT, I HAVE BEEN TRYING TO REACH OUT TO THE BUREAUS AND TO THE XXXX XXXX REPRESENTATIVE. SOMEONE STOLE MY INFORMATION AND THE ACCOUNT AND THE CHARGES ARE THE FRAUDULENT. I HAVE SENT TO THEM ALL THE APPROPIATE DOCUMENTS THEY HAVE REQUESTED, I AM CONSUMER WHO HAS BEEN A VICITM OF THE IDENTITY THEFT.
Consumer complaint received 2019-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I contacted TransUnion online because they advertise a '' free credit report ''. I checked my bank credit card on XX/XX/19 and they are charged me XXXX a month and it says its a recurring charge XX/XX/19 XX/XX/19 -TU *TRANSUNION XXXX CA {$24.00} Merchant Info XXXX CA United States Merchant Category CONSUMER CREDIT REPORTING AGENCIES Recurring Transaction. yes
Consumer complaint received 2019-10-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

I have been living in this home since XXXX, never had an issue with my mortgage company. 

Seven years ago Portfolio Servicing , Inc. took over from XXXX XXXX XXXX, shortly after I was informed of this information I lost my job. I called Portfolio Servicing, Inc., tried to get as much information as I could to help myself. I told them the moment I was unemployed. They gave me information about a forbearance for twelve months. 
I had no knowledge about forbearance and how they worked. This I believed at the time was a blessing! I was lead to believe that at the end of the forbearance for twelve months, a portion of the the arrears would be added to the back end of my loan. After the 12th month the forbearance was over and I was bill {$17000.00}. 
due as my next payment. 
None of this concerning the forbearance was put in written form or any notices to let me know my next payment after the 12th month forbearance was going to be {$17000.00}. I made all of the payments until XX/XX/XXXX, all of the payments after the forbearance were applied to previous months causing me to fall further and further behind.
Consumer complaint received 2020-05-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (NJ)

In XXXX of XXXX, I was involved in a very serious, traumatic car accident for which I am surprised I made it out alive. My insurance company at the time, XXXX XXXX XXXX, failed to deem my XXXX XXXX XXXX XXXX totaled because allegedly I had a payment retracted from them from XXXX. Not only was I not made aware of this, there are several other issues for which XXXX never tended to : 1. I sent SEVERAL faxed messages to verify that XXXX FULLY covered my vehicle due to it being financed for which they failed to respond to. I gave my lawyer from XXXX, XXXX XXXX XXXX the faxes to verify that these corresspondces did in fact occur. 

2. I was told in XX/XX/XXXX that XXXX Auto Insurance DOES NOT offer full insurance in my area. By failing to explain this, or responding to my inquired mentioned above, XXXX prevented me from obtaining insurance from a different company that could cover the vehicle fully. 

3. Being told that the vehicle was FINANCED through SEVERAL faxes, XXXX failed to contact Ally Financial to mention the vehicle was covered by them. 

4. Through several EMAIL messages on Ally 's client portal AND phone calls, I inquired about insurance SEVERAL times with no response/answer that deemed my vehicle not to be covered correctly. 

5. Even though my INSURANCE COMPANY should cover the expenses from this accident, ALLY 's contract states that FINANCED or LEASED vehicles w/o proper coverage will be subjected to automatically being covered by THEIR insurance policy for which the customer must pay for. This should be implemented IF XXXX 's lies and fictitious claims are allowed to occur. 

6. Between Ally and XXXX 's illegal tactics, lies, and straight refusal to settle the claim has caused the GAP INSURANCE company not to be able to payout the difference owed. 

7. I never received a Policy Declarations page until my lawyer demanded on in XXXX of XXXX, after the accident!
Consumer complaint received 2017-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I have in the past been the victim of ID Theft and have had a lot of issues getting info corrected. I have had a fraudulent address removed and now it is begin re-reported. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX DOES NOT BELONG TO ME AND NEEDS TO BE REMOVED!!!! My Address is XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX I have attached a copy of my Drivers License showing my correct address.Please correct this problem
Consumer complaint received 2017-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (NJ)

I have been in contact with Discover since XXXX when a card was fraudulently opened under my name in which case i was not notified until the card had been charged up well over its limit. I was very upset that i was never notified about the opening of this card. My information was compromised and a card was sent to an address I have never been associated with. Upon asking Discover for a validation of debt and proof of how this account was opened and WHY it was sent to an address that I have no association with, the answers I got were appalling. I received several statements, the first which had my address on the front, and all of the statements behind it were addressed to the unknown address THEN CHANGED EVERY SINGLE STATEMENT TO REFLECT MY ADDRESS!!!! They manipulated the paperwork to reflect my address how is this not illegal!!!!!! Every single time I ask for answers as to why the card was sent to that address, I get the same response. This time, as of XX/XX/XXXX, after i spoke with a " Credit Bureau XXXX '' who claimed they would call me back regarding this information, but never called. The newest letter reads " A review of our records indicates that you are responsible for the balance on the account. We have responded to your previous debt validation responses on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Our position on the matter remains unchanged. '' This is after I was told i would get a call back to discuss the matter, and never did. Now, the mistake on my behalf, I paid a few months on this card because I was going to be denied a government job as a XXXX agent in an airport and could n't have more than a certain amount of outstanding debt. I paid in order to get myself out of a financial crisis and into a better job to support my family. I was a newly college graduate and scared and desperate I did n't know what else to do without losing the position I worked so hard to get. Prior to this arrangement, Discover will have notations of me calling very disgruntled that they would allow someone to use my personal information. I also had a situation at the same time where an account was opened with XXXX XXXX however, I was lucky enough to get that rectified and removed. I am so frustrated, I can not get any answers from Discover whether i call them or not and I have reached a dead end with the bureaus. Transunion has removed it however, XXXX and XXXX are refusing to investigate further. As I began to do my research I started saving all of the letters and information I was sending as proof. Please help me with this matter and what I can do to get my credit back so I can move on with my life in peace. I am always on time with my credit and payments and have been working on establishing my credit since high school for it all to be taken from me in the blink of an eye. XXXX ADDITION I NEVER HAD THIS CARD IN MY POSSESSION IT WAS NEVER EVEN SENT TO MY ADDRESS WHEN THE ACCOUNT WAS OPENED!!!!! ***
Consumer complaint received 2020-09-21
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. (CA)

A fraud alert was placed on my credit bureau profile, without my request and now resulting in no credit report found, as if I don't exist with XXXX 
A fraud alert was placed without my authorization or request on Experian as well. 

I have NEVER requested this and demand it be removed at once.
Consumer complaint received 2017-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

Resurgent Capital Services, which I hold no contract with & have never had any business affiliations with, reported a collection to my social security #. A debt in the amount of {$1800.00}, has been reported to XXXX, XXXX & XXXX credit reporting agencies. I have requested validation of this debt on X/X/17, but Resurgent Capital Services has failed to provide adequate proof.
Consumer complaint received 2022-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (MA)

Elain Financial Services pursuant to section 623 ( a ) ( 3 ) of the Fair Credit Reporting Act Elain Financial Services has violated the FCRA requirements by not putting the required notice of dispute on my credit report will this account is being disputed as required. Under section 623 ( a ) ( 3 ) Elain Financial Services is required to notify the credit reporting agencies that this account is being disputed when I dispute this account. This is a very serious violation of the FCRA requirements by Elain Financial Services. I have disputed the late payment for XXXX multiple times over the past serval months with Elain Financial Services and the credit bureau and the required notice of dispute has never been placed or reported in the comments section of this dispute account. I am once again providing multiple copies of resent credit reports that clearly dont show the required notice of dispute in the comments section of any report. I am also attaching a copy of section 623 ( a ) ( 3 ) of the FCRA for Elain Financial Services review. I have previously disputed the violations of no notice of dispute with Elain Financial Services in XXXX of XXXX  with no response. Elain Financial Services will give the generic response that they can review or see the proof documentation attached. How can Elain Financial Services verify any dispute if that cant review or see supporting proof documentation.
Consumer complaint received 2021-04-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I contacted the credit bureaus via mail, online dispute and phone, as well as the creditor. The information provided by XXXX XXXX XXXX is incorrect, and has not been updated in over 18-months, it should be removed immediately as it has negative affect on my credit and I have been trying to resolve for over a year now.
Consumer complaint received 2019-10-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

XX/XX/19 - Used debit card through paypal to make payment to an individual who scammed me for tickets XX/XX/19 - used a different debit card through paypal for additional ticket to same individual. did not realize that the person paypal sent the money to was a scammer.
Consumer complaint received 2021-08-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ZWICKER & ASSOCIATES (NC)

I recently discovered that a collection agent by the name of Zwicker & Associates is attempting to file a judgment against me in regards to a debt that is nearly 10 years old. Despite the fact that the statute of limitations to take such action has expired, I've still tried to contact this creditor to determine why and how they are taking such action without contacting me first. Well over a month ago, I wrote to the company and requested a detailed verification of debt to try to determine why their office was taking such action. However, my written request has gone completely ignored.
Consumer complaint received 2020-01-20
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: ONEMAIN FINANCE CORPORATION (TX)

On XX/XX/2019, I was provided an approval for a loan, which I had already received several offers and pre-qualified. I submitted the necessary documents that were requested. I was then notified that I was unable to receive the loan even though I was " pre-qualified ''. I then notified a hard inquiry on my credit that I do not recall consenting to.
Consumer complaint received 2021-08-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Monterey Financial Services LLC (TN)

I opened an account with " XXXX XXXX XXXX '' and paid them directly for their services. The company uses Monterey Financial to service their accounts. Monterey Financial has been contacting me repeatedly about the debt and I informed the representative and provided proof that I had paid " XXXX XXXX XXXX ''. Because Monterey Financial has been unable to get in contact with " XXXX XXXX XXXX '' ( per their representatives ) they reported the account as late to all three credit reporting agencies, even though I paid the debt already. I also paid an additional {$88.00} dollars while to company attempted to sort out the discrepancy to avoid the account being reported as late but they reported the account anyway. Both Monterey Financial and XXXX XXXX XXXX have been extremely unprofessional, unorganized and have unfairly and unnecessarily damaged my credit.
Consumer complaint received 2020-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

A fraud alert was placed on my credit bureau profile, without my request and now resulting in no credit report found, as if I don't exist with XXXX 
A fraud alert was placed without my authorization or request on XXXX as well. 

I have NEVER requested this and demand it be removed at once.
Consumer complaint received 2019-10-30
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. (TN)

I have been disputing a fraud account with Equifax since 2017 the company is XXXX XXXX XXXX. I have sent equifax police reports and documentation to Equifax stating that I been a victim of identity theft. All Equifax can do is tell me that the company stated that the account belongs to me. I have ask Equifax to provide me with proof that I open the account they will not send me any validated information saying that the account belongs to me. also Equifax telling false information they are pretty much doing what the want to do. All my rights as a consumer as been validate with Equifax and the creditor. ALSO EQUIFAX HAS 2 CREDIT FILES IN MY NAME AND SS # which means there should one be 1 credit file by law.
Consumer complaint received 2017-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXXXXXX, I wrote a check and and knew there were other transaction were being posted so I logged into my online account to make a transfer, I notice I had {$320.00} ... in the account, I transferred {$1500.00}. Noticed bellow, the account was not credited until the following day, this also happened the previous week, XX/XX/XXXX, identically. XX/XX/XXXX Online Transfer from XXXX ... XXXX transaction # : XXXX Account transfer {$1500.00} {$1000.00} XX/XX/XXXX INSUFFICIENT FUNDS FEE FOR A {$50.00} RECURRING CARD PURCHASE - DETAILS : XXXX XXXX XXXX XXXX XXXX XXXX Fee {$34.00} {$480.00} INSUFFICIENT FUNDS FEE FOR CHECK # XXXX IN THE AMOUNT OF {$150.00} Fee {$34.00} {$440.00} INSUFFICIENT FUNDS FEE FOR CHECK # XXXX IN THE AMOUNT OF {$500.00} Fee {$34.00} {$410.00} XXXX XXXXXXXX XXXX XXXX CA XXXX Debit card transaction {$50.00} {$370.00}
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello my name is XXXX XXXX, there are items and my TransUnion and XXXX  that needs to be removed. On XXXX  the items was deleted I have provided supporting documents.
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: Experian Information Solutions Inc. (PA)

Hello my name is XXXX XXXX, there are items and my XXXX  and Experian that needs to be removed. On XXXX  the items was deleted I have provided supporting documents.
Consumer complaint received 2020-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

My accounts were showing 30 to 60 days late in XXXX and XXXX. Due to XXXX and XXXX, I was informed by creditor that late fees and payments were being waived and credit back to me. Accounts still shows 30 to 60 days late. The following accounts are : XXXX XXXX  : XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) XXXX  XXXX, Other Cards : XXXX, XXXX XXXX, XXXX XXXX  late payment in XX/XX/2019 has been removed and credited.
Consumer complaint received 2020-05-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY (FL)

Hello, With American Express I paid all my balance in full, and then they reported that I was in collection and this action lowered my credit scored. I was aware of the debt but it was paid off. I asked to have this account deleted from the 3 major credit bureaus to avoid any other discrepancies.
Consumer complaint received 2020-05-07
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. (FL)

My accounts were showing 30 to 60 days late in XXXX and XXXX. Due to Covid-19 and hospitalization, I was informed by creditor that late fees and payments were being waived and credit back to me. Accounts still shows 30 to 60 days late. The following accounts are : XXXX XXXX  : XXXX, NY XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) XXXX XXXX, Other Cards : XXXX, XXXX XXXX, XXXX XXXX  late payment in XX/XX/2019 has been removed and credited.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

On my credit report I have multiple inquiries coming from XXXX  XXXX that I DID NOT AUTHORIZE on the FOLLOWING DATES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On my credit report I have mutlple inquiry coming from XXXX that I DID NOT AUTHORIZE on the following date XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On my credit report I have an inquiry from XXXX that I DID NOT AUTHORIZE on XX/XX/XXXX.
Consumer complaint received 2020-07-01
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. (TX)

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