davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-09
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. (MI)

On XX/XX/2021, I requested a credit line increase of {$3000.00} online for my XXXX XXXX XXXX XXXX XXXX  at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, XXXX XXXX informed a hard credit inquiry without my consent or knowledge at the time or the credit line increase request. This is illegal. No way to provide my consent to a hard credit inquiry ( I.e. no button, signature, or check box was made available to provide consent ). Furthermore, the website provided no notice that a hard credit inquiry would be performed : no terms & conditions or verbiage were present before proceeding with the credit line increase to specify that a hard credit inquiry would be performed. 

XXXX XXXXXXXX XXXX hard credit inquiry now shows under " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX on my credit report and is impacting my credit score. 

I contacted XXXX XXXX today at XXXX to try to resolve the hard credit inquiry issue and inform them that it was performed without my consent or knowledge. However, they denied that the website did not ask for my consent. 

Note : Please see the attached screenshots proving that I was not notified about the hard credit inquiry before requesting a credit line increase. I also have a copy of my credit report to showing the hard credit inquiry.
Consumer complaint received 2020-11-24
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. (MN)

I have tried to remove old addresses, old name variations, and other information from my credit profile but the bureau doesnt remove the data. Per FCRA Section 623 ( a ) ( 1 ) ( C ) A Credit Bureau can not report information the consumer has told them is inaccurate. All old addresses and information needs to be removed from my credit profile due to being inaccurate.
Consumer complaint received 2020-12-03
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)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2022-03-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

I deposit a check from a client into my Wells Fargo account, ( which was discovered to be fraud ). I waited for the check to clear. I called Wells Fargo to confirm the check cleared. I was told YES. At that time I sent money via XXXX to pay for furniture pickup for a client, ( which again was part of a fraud scam ). I then called Wells Fargo back to ask AGAIN, are you sure the check cleared because I think Im getting scammed, WF, YES IT CLEARED.,, a few hours later, the money that I CashApp to help my client, was deducted from my account from WF, after they assured me TWICE the check was legit. Now Im out {$3400.00} because the bank that shouldve protected my funds failed to do it!!!
Consumer complaint received 2020-12-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (CA)

I applied for a refinance mortgage with a company called LoanDepot. The loan was approved and scheduled to fund XX/XX/XXXX. I received an email indicating that loan funded and the title company XXXX XXXX XXXX would be sending a wire to my existing mortgage company, XX/XX/XXXX. As of today no wire transfer has been sent. 

I've emailed the loan processor and numerous others at LoanDepot for assistance. No one responds to emails. I sent email on XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. I finally received a response late the night of the XXXX indicating that the wire would be sent. Still nothing. The loan processor is named XXXX XXXX. 

I now have two loans i'm responsible for from XX/XX/XXXX. I'm worried about my credit as one of these loans should have been paid off by the refinanced amount. I can be reached at XXXX or emailed at XXXX XXXX
Consumer complaint received 2018-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (NJ)

I have been with american express for years. on tues of this week i called to ask about point redemption for my every day card was told i could get a statement credit. whichis what i want. I called on Wed was told this was not right that i do not have a qualifying purchase. She did not explain. i got disconnected i called back. this is all my time. Today i am told i can only get a gift card. this is after the CS rep tells me i do not have enough points to do anything which was incorrect. Bottom line my time is wasted and i am more confused than before. its not worth using this card then so many different answers. being disconnected and then i still have nothing. please do something for my time lost and confusion caused you would want if you were me. but over ; all the promo program is not beneficial to me
Consumer complaint received 2021-12-09
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: General Motors Financial Company, Inc. (CA)

GM FINANCIAL ACCOUNT NUMBER XXXX I was hospitalized due to covid on XXXX XXXX. 
on XX/XX/2021 i called Gm financial to notify them of my hospitalization and ask for an extension or forbearance for the upcoming XXXX payment which was due between XX/XX/XXXX and XXXX XXXX i was told that they would process the forbearance and email me confirmation. I received no emails or confirmation. on XX/XX/XXXX following release from the hospital realizing they had not responded or confirmed the forbearance i made the payment over the phone. 
they still reported a thirty day late on my credit report and it has caused a substantial drop on my credit score. 
I would like the 3- day late deleted from my credit report
Consumer complaint received 2018-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GREAT LAKES (CA)

I was a student at XXXX in XX/XX/XXXX-XX/XX/XXXX. The school opened up our financial aid accounts and loans and was later on shut down for financial aid fraud. I have written to great lakes loan company and eventually received a letter that my loans would be dismissed. The loans keep showing up on my credit report along with late payement remarks. As far as the loans go Great Lakes refuses to do anything about the issue. As far as the late payments go I ask that those be taken off as I had no idea payment should be made due to my loans being taken off. XXXX frauduantly opened these accounts. Who is to say I received all the money I should have received or it went to the right places? I would constantly get emails that payment was submitted to me and the financial aid office would say nothing was there. it was very shady. I refuse to pay these loans as they are involved in a fraudulent service and I never got what I paid for.
Consumer complaint received 2021-07-20
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)

Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2021-07-20
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: ENCORE CAPITAL GROUP INC. (NJ)

On XXXX XXXX & XXXX XXXX Midland Credit Management added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and and I am no longer responsible for this account. Debtor 's creditor did not verify this collection. Also there was no written form of communication, contract, or signature for this accused debt at all shown. A bill without a signature does not validate the debt and anybody can send and say its mines. According to the FCRA, Midland Credit Management has violated rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2018-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi I am contacting you because I keep reaching out to the credit bureaus to update my balances and and remove the fraudulent credit inquiries off my reports as there should be none. This is all causing a tremendous amount of unnecessary stress and I am XXXX and so is my son so you can only imagine what this is doing to me and my child as I am trying to move and do to false information on my credit report is causing things to be even more difficult. XXXX is definitely doing illegal things to lower my score like deleting positive things off my report instead of fraudulent things and leaving things on my report like the fraudulent XXXX XXXX credit inquiry which I provided them with a police report and they still haven't removed it yet nor have they updated my balances. My information was in there data breach but they still refused to give me my points back that they found away to take back at this point if they don't stop reporting inaccurate information I will be pursuing a lawsuit because there actions are unfair to me and my XXXX child and we may end up homeless do to there false reporting.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I am writing to formally dispute the late payments listed on my credit report associated with the closed account under the name " XXXX XXXX XXXX '' The account number in question is XXXX. I recently obtained a copy of my credit report, and I was dismayed to find that there are XXXX reported late payments ( 60 days past due and 90 days past due ) for the aforementioned account. 

I want to assert that I have always maintained a timely payment history, and I have never been late on any payments for the XXXX XXXX XXXX account. The inclusion of these late payments on my credit report is inaccurate and is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Ive always been in the deferred program so this information is completely inaccurate. 

According to the FCRA, Section 611 ( a ) ( 1 ) ( A ), credit reporting agencies are obligated to ensure the accuracy of the information they report. I am requesting a thorough investigation into the reporting of these late payments and urge you to correct this misinformation promptly. 

I kindly request that you investigate this matter as soon as possible and provide me with the results of your investigation. If the late payments are found to be inaccurately reported, I ask that you promptly correct my credit report to reflect the accurate and positive payment history associated with this account. 

Thank you for your attention to this matter. I expect a timely resolution, as per the legal requirements outlined in the FCRA.
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
1. The status is incorrect for the following account XXXX XXXX XXXX I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information. I have sent mutiple letters and received no response.
Consumer complaint received 2021-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (NH)

I recently had a new collections account added to my credit report by Jefferson Capital Systems for a fraudulent XXXX XXXX account for {$280.00}. I did not open this account- I have no knowledge of how this account was opened because I did NOT open an account with XXXX XXXX XXXX I had XXXX XXXX  for a provider more than 10 years ago and did NOT owe them any money before switching to XXXX. This recent ( date on XXXX XXXX says XX/XX/2021 ) XXXX XXXX account is complete and total fraud. I have disputed this debt through XXXX XXXX several times now and they keep saying that it's accurate. It is NOT accurate, I did NOT open a XXXX XXXX account. This fraud is hurting my credit, please help me resolve this fraudulent debt. Thank you.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Subject : Dispute of Fraudulent Account and Request for Information Under FCRA Dear XXXX, I have been disputing this since 2022. 

I am writing to dispute the presence of a fraudulent account listed on my credit report. This account, associated with XXXX XXXX, does not belong to me, and I have never authorized or engaged in any transactions with XXXX. I believe this account to be the result of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 609 ( 15 U.S.C. 1681g ), and Section 611 ( 15 U.S.C. 1681i ), I am requesting a detailed description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with this account, and documentation that you have that shows my alleged agreement to open this account. 

Additionally, pursuant to Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), I request the immediate blocking of this fraudulent account from my credit report since it results from identity theft. Attached, please find a copy of the Identity Theft Report and proof of my identity, which support my claim. 

Please take the following actions as required by law : 1. Conduct a thorough investigation into the disputed account.

2. Remove or block this fraudulent account from my credit report if it can not be verified as mine.

3. Provide me with the documentation as requested above.

4. Send me a written confirmation of the removal or blocking of this account from my credit report. 

I expect these actions to be completed within the statutory timeframe provided by the FCRA, and I ask to be kept informed of the progress of your investigation. Failure to comply with federal law may result in my seeking legal advice and taking further action as necessary. 

Thank you for your immediate attention to this serious matter. I look forward to your prompt response and resolution of this issue. Please contact me at [ Your Phone Number ] or [ Your Email Address ] should you require further information or documentation. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Trans Union has been reported a " Dismissed Bankruptcy '' on my credit report since 2016. I have disputed 25 times, contacted US Trustee, BK Court Trustee, XXXX XXXX. Only avenue left is to sue them for a breach of the fair credit reporting act. I was a victim of identity theft which I have substantiated with FTC Affadavit ( notarized ), police reports, letters from city attorneys office, copies of the docket, and they still will not take it off. This is a breach of my rights and is affecting my families ability to buy a home.

It was Discmissed, as the person never came back, they filed BK to avoid eviction. My name is incorrect, address is not mine, I had pervasive ID Theft and it was fully substantiated this is the only item that remains. Even though it says dismissed, it counts against me as if I fully claimed BK, which I NEVER HAVE>
Consumer complaint received 2021-06-02
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. (MS)

Experian, XXXX  and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts. 


Due to no response for more than 60 days I would like these accounts removed from my credit Report.
Consumer complaint received 2020-11-24
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: Sequium Asset Solutions, LLC (TX)

Dear sir or madam : The following debt collection agency - SEQUIUM ASSET SOLUTIONS , LLC located at XXXX XXXX XXXX XXXX GA XXXX is reporting an account in collection that does not belong to me. 

I disputed the issue with the thee credit agencies. Within 48 hours XXXX had the account removed from my report. The other two reporting agencies are still waiting for a response. What I find troublesome is not only this error is stopping me from re financing my home but when I call Sequium they say they have no record of my account. I offered to provide them the information that is on my report and they said if they can't find it in their system there is nothing they can do. 

Below you will find the specifics of the account in question. I do not nor have I ever had an account with " XXXX XXXX '' What I find interesting is that when visitng the XXXX website the first three complaints are exactly the same ; XXXX XXXX and the person says they never had an account with them or they once did and the information is wrong. I would apprecaite any help your organization can provide. 

Date Reported : XX/XX/XXXX Collection Agency SEQUIUM ASSET SOLUTIONS , LLC  Original Creditor Name XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$120.00} Amount {$120.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification CABLE_OR_CELLULAR Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES REINVESTIGATION IN PROGRESS Contact SEQUIUM ASSET SOLUTIONS , LLC XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2018-03-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (LA)

Submitted Borrowwer Assistance Package XX/XX/XXXX Rushmore requested more info XX/XX/XXXX Send amended pages as requested XX/XX/XXXX XX/XX/XXXX submitted additional documents as requested XX/XX/XXXX received letter from Rushmore stating my home retention package is complete. Rushmore stated they will send a written determination for foreclosure prevention. 
XX/XX/XXXX received letter of intent to foreclose. 
Spoke to Rushmore representative XXXX XXXX who assured me that the letter of intent is just a formality and as long as my loan is with underwriting they will not foreclose. 
XX/XX/XXXX received request from Rushmore for updated property insurance naming Rushmore XX/XX/XXXX sent insurance via email, fax and fedex XX/XX/XXXX XXXX XXXX started he was in receipt of insurance XXXX page and my file was with underwriting and it should be no longer than another week for an answer. 
Rushmore LM had 30 days as per CFPB Reg X SS 1024.41 to respond to me with an answer about a foreclosure prevention alternative. 30 days was on XX/XX/XXXX. I have yet to receive a response.
Consumer complaint received 2022-10-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC (TX)

XX/XX/XXXX To whom it may concern : I need assistance from your agency. 
I recently obtained a copy of my XXXX credit report, and I saw where a collection agency, named Ability Recovery Services LLC, has placed a fraudulent {$64.00} medical collection onto my credit file. 
This collector did not verify this debt prior to ruining my name, and credit rating with this debt that is not mine and has never been mine. 
I do not owe this fraudulent debt, and I want it immediately removed from my credit files, FROM ANY, AND ALL credit bureaus that they have placed it on. 
About 8 years ago this collector did this same thing through XXXX, they placed medical debts onto my credit files of a deceased person that I do not know, nor have I ever known. 
This collector has placed XXXX XXXX onto my credit files, for a deceased person, a XXXX XXXX, along with addresses that I do not know, nor have I ever lived at. 
They have had XXXX to add a XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, to my credit file. 
I have never lived at this address, and I want this fraudulent address information removed from my credit files, as well. 
If your agency can do something about this collector who does not even verify the fraudulent information that they ruin peoples credit with, it would be greatly appreciated. 
On top of damaging my credit with debt that isnt mine, they are also breaking Texas statute of limitations law. 
They claim that this debt from whomever became delinquent in XXXX, then they report it onto my credit files in XXXX of XXXX. 
I want this collection agency to remove my name and information from their agency files, and I want hard copy written proof that this has been done. 
As previously stated, I want this fraudulent medical collection, as well as the fraudulent address information removed from ALL of my credit files with all of the credit bureaus, and I want hard copy written proof that, that has been done. 


cc : Attorney XXXX XXXX cc : The Federal Trade Commission