davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-15
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. (MI)

I, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as 2014. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. I am telling you my hand on the bible that this is information will not be blocked in error. My FTC report and affidavit of truth attached are proof that nothing I have stated is false. As your Bureau is here to protect my consumer 's rights I am requesting that you force these corporations to remove ALL negative remarks on my consumers file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION. If you believe that I've obtained possession of goods, services, or money as a result of information to be blocked, have your executive member or the company put it in an affidavit of truth notarized. Thanks for your cooperation in this matter. I am XXXX XXXX and I am submitting this complaint MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.
Consumer complaint received 2016-05-02
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (CA)

I went to XXXX to retrieve my federally required free annual credit reports from the big XXXX. I received my XXXX and XXXX reports but received a notice stating " a condition exists that prevents Experian from being able to accept your request at this time '' could this condition be the fact that the last time I could n't get my experian report I filed a CFPB complaint and they are retaliating? The last time I could n't recieve my report was because information in my credit report was incorrect ( and still is because they do n't offer a way to dispute wrong addresses ) I have never ever ever used XXXX XXXX ca and likely never will. I demand my legal right to access to my credit report, if no action is taken to resolve the online process for me, I will take you to court for violating the FCRA.
Consumer complaint received 2015-06-02
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (GA)

On XXXX J C Penny states that an application for a credit card was submitted for me to get a J C Penny credit card. The problem is I never apply or fill out an applicatiuon for the alleged credit card. They could not tell me if the it was applied for in the store or online. J C Penny would have needed my personal information and i never gave them that. I XXXX had a J C Penny card but when it was paid off they closed the account and since i paid them i felt that they did not want me as a customer so i did not want another J C Penny credit and would never apply XXXX. I have put a fraud alert XXXX my credit reports because of stuff like this.
Consumer complaint received 2022-02-15
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: Experian Information Solutions Inc. (TX)

Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/2022 and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable.
Consumer complaint received 2016-08-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (CA)

I AM GOING THROW A FRAUDULENT FORECLOSURE PROCEDURES BY THE SERVICING AGENT OF MY LOAN ( DUAL TRACK IN CONSPIRACY WITH THE TRUSTEE OF THE LOAN THEY ARE HIDING THE ACTUAL INFORMATION OF THE LOAN MODIFICATION STATUS AND HARASSING ME OVER THE PHONE WITH FALSE INFORMATION, THEY FILED ON THE XXXX CLERK A FALSE STATEMENT TO FORECLOSE MY HOME, DENIAL OF THE HOME AFFORDABLE PROGRAM WITH OUT LOOKING THE DOCUMENT.
Consumer complaint received 2017-02-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (TX)

XXXX inquiries were made to my Experian credit report on XXXX XXXX that I did not authorize. They were all made on the same date and were initiated by a local auto dealership, XXXX XXXX XXXX XXXX. 

After a long dispute, XXXX XXXX confirmed that they were made erroneously and sent Experian a letter confirming that they were made in error. This was over a month ago. 

To this date, Experian has not removed the unauthorized inquiries from my credit and my score is being affected because of it. 

The first inquiry is under the name " XXXX XXXX '' on XXXX/XXXX/16. 

The second inquiry is under the name " XXXX XXXX '' on XXXX/XXXX/16. 

The third inquiry is under the name " XXXX XXXX XXXX '' on XXXX/XXXX/16. 

These all need to be removed from my report as soon as possible. 

I am attaching a copy of the letter that the creditor sent to Experian so they can review it once more. I do not understand why it has taken so long to remove these unauthorized inquiries.
Consumer complaint received 2024-02-06
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. (FL)

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the listed account from my file. 
XXXX XXXX XXXXXXXX
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (UT)

Comenity bank/ Victoria 's Secret is reporting a late on my credit file for year of XXXX. Due to the unforeseen events surrounding the Covid Pandemic I was severely financially impacted. Under the federal mandate and CARES act put in place you are not allowed to put late notations on my credit file. I have had an account with you for a very long time and this is extremely disappointing.
Consumer complaint received 2016-09-25
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (LA)

I had an auto repossession on XX/XX/XXXX from XXXX XXXX XXXX due to my illness with XXXX XXXX. XXXX sold the account to Cavalry Portfolio SVCS. When I had my credit report pulled Cavalry Cavalry is reporting the date placed for collection as XX/XX/XXXX, which is not the original date the account was placed for collection. I disputed the date with XXXX, and Cavalry did not update the " date placed for collection '' which was in XX/XX/XXXX. I need this updated as soon as possible.
Consumer complaint received 2020-06-01
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: ID Analytics, Inc. (OK)

I went to purchase a vehicle on XX/XX/2020 and my credit was ran for financing, only I was denied by a credit reporting company that I have never heard of, can't reach, yet they have my personal credit information. I was financed by another company, but the fact that a " credit bureau '' I have never heard of, rated my credit, and denied me based on an arbitrary and unknown formula is not how I trust to conduct business. Never in my life have I heard of SageStream LLC and I have NEVER given permission that wasn't XXXX, XXXX, and XXXX. We do NOT need a 4th " credit bureau '' especially one that can not be reached or allow you to do anything online. This type of shady behavior is not what I  agreed to when having my credit " ran ''. An unofficial credit company should not be able to access my personal financial information, especially when the parent company is XXXX and XXXX XXXX ( a computer virus protection software company ).  How do I know my information isn't being shared between these companies to track me or my activities? I do not trust this company.
Consumer complaint received 2016-09-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (TX)

This Company constantly is reporting a debt that I owe. I have never lived in the apartments and their stating I did by the point an apartment gave them inaccurate information. Its preventing me from getting an apartment. They ask me to fill out a form I am not comfortable with a debt collection agency reporting information about me. I understand According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) .an original contract and how whatever was owed came about so forth. Now All XXXX credit bureaus have removed this off my file but National credit systems are reporting this to XXXX. I spoke with them and all they are saying is they ask this company questions and they kept it on there. I refuse to pay are submit information to a debt collection agency. I would like to have this resolved.
Consumer complaint received 2017-05-24
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. (MI)

XXXX XXXX is reporting on my credit reports on all XXXX bureaus as if I owe them money and this account was established in 2016. I have never borrowed money or taken money from this company for a loan to default on. I need this collection account removed from all XXXX bureaus immediately. I have tried to dispute with them and collections agency. They never verify the debt just states that it was verified. I need proof of my signature otherwise they need to remove this from my credit file.
Consumer complaint received 2017-02-04
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: BARCLAYS BANK DELAWARE (FL)

BARCLAYS BANK DELAWARE has placed a derogatory account on my credit profile without my authorization which has violated the FDCPA. To my knowledge, I do not owe BARCLAYS BANK DELAWARE any alleged debt and would like them to provide proof of claim with authenticated verification. BARCLAYS BANK DELAWARE has placed this alleged account on my credit report to intentionally cause harm to my pursuit of happiness by affecting my Consumer transactions for personal, family and household purposes. 

See Attach
Consumer complaint received 2022-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/2022 and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable.
Consumer complaint received 2016-09-26
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (MA)

I was scammed by a predatory HECM loan executed by Wells Fargo on XX/XX/2010. I do not feel comfortable attaching the good faith documents or any other documents relating to the fraudulent predatory loan. I do not trust this agency or any other based on your complete favoritism shown toward Wells Fargo. Also, you say that you 've tried to contact me several times? How difficult is it to call XXXX and either speak to me or leave a message? Or even better, how about e-mail XXXXXXXXXXXX. Your investigation was completely one sided. Same as the job you 're doing with the latest of the Wells Fargo criminal scams. XXXX accounts robbed!! Great job guys
Consumer complaint received 2017-05-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Coastal Financial Solutions, LLC (PA)

We received calls on our home phone, work phone, wife 's cell phone, daughter 's cell phone, older son 's cell phone from a woman who identified herself as   XXXX   XXXX   from  Coastal Financial Solutions  - phone number  XXXX  - on  XXXX / XXXX /  XXXX   at  XXXX . She stated she was conducting an " investigation '' of our younger son who is in the  XXXX  and currently  XXXX  in  XXXX . This son told us he has no business with this company and is prohibited from taking payday loans.
Consumer complaint received 2023-04-14
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. (CA)

AN ACCORDANCE OF FAIR CREDIT REPORTING ACT XXXX XXXX XXXX HAS VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES THAT CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY READING INSTRUCTIONS. UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE ON ANY PURPOSE.
Consumer complaint received 2017-02-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

Related : Case number : XXXX and XXXX ( Note : It is important to have independent documentation so Wells Fargo ca n't come back later and make further questionable statements. ) I filed case XXXX this morning and would have updated it if I could have. 

On the Escrow Account History ( attached to that case ), the bank shows XXXX payments, XXXX to XXXX XXXX and XXXX to XXXX XXXX. 

I changed my homeowner 's policy in XXXX 2016. I was able to obtain better coverage at a lower rate from XXXX XXXX. I canceled the XXXX policy. 

The bank paid both companies. The bank paid twice for the same thing - insurance. 

The bank should not have paid XXXX XXXX. 
Either the insurance company issued a refund to the bank and the bank FAILED TO RECORD it to my account or the bank received the cancellation notice and ignored it. 

The bank has played similar sneaky tricks in the past. When my former insurance company went out of business, the bank initially FORCED me to pay for their own overpriced insurance company, despite my obtaining coverage from XXXX XXXX. 

If the bank had not mistakenly paid both insurance companies and then " mistakenly '' not recorded a refund to my account, there would be a substantial OVERAGE in my escrow account. 

Wells Fargo has once again, deliberately created a problem for this old woman.
Consumer complaint received 2015-10-12
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CASHCALL, INC. (MS)

I took out a loan with Cash CallXXXX XXXX XXXX in the state of Louisiana back in 2012. The interest is so high It was over 100 % and now has gone down to 85 %. I do n't feel I will ever pay it off. Can they legally charge this much interest for such an extended period of time?
Consumer complaint received 2024-03-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (FL)

Applied for buy now pay later lending with Affirm, for a purchase totaling less than {$110.00} on XX/XX/24. Notification received via email immediately upon submitting application advising verbatim " Our partner bank can't approve the loan you requested because of your repayment history with Affirm. Your application was processed by a credit scoring system that assigns numerical values to various factors we consider in evaluating loan applications. These numerical values are based upon analysis of the repayment histories of large numbers of customers. The information in your application did not score a sufficient number of points for approval. The reasons you did not score well compared to other applicants were : 1. Payment history with Affirm 2. Credit utilization 3. Credit score '' The first issue is the fact I've had one & only one previous loan with Affirm, of which was also just this year. Not only was my loan paid off in full & on time, but SUPER early, with Affirm deducting only! of the scheduled auto-payments. The second issue is the fact Affirm approved me for a XXXX loan for {$65.00} only XXXX business days earlier, which brings me to the XXXX & final issue. Aside from Affirm completely contradicting themselves based on the information provided above, the information contained in my file is likely accurate, reflecting satisfactory payment history for both my prior & current loan, leading me to believe that a flaw lies within their automated scoring system. Regardless of whether inaccurate and/or false records are on file or the programmed algorithms in their automated system are causing invalid scores to be generated is irrelevant as there is definitely unfair practices taking places
Consumer complaint received 2020-09-11
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. (KY)

I have advised Experian on several occasions that the information being reported on my credit file is inaccurate and may be a result in an error and/or identity theft. The following address ( es ) do not belong to me XXXX XXXX, XXXX XXXX. The XXXX XXXX XXXX XXXX XXXX XXXX account does not belong to me. Experian has yet to prove how they received this inaccurate information and have not corrected the information following my proof that the information is inaccurate. Please help me get this matter resolved.
Consumer complaint received 2016-09-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

I have a checking account with Wells Fargo. I wrote checks to my cleaning lady and she deposited them electronically to her bank account. Subsequently, she walked into Wells Fargo and was permitted to cash the check ( for a second time ). This occurred on at least XXXX occasions.
Consumer complaint received 2016-06-09
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (MN)

Wells Fargo cancelled my debit card and I did n't know and never received a replacement card. I found out when I was at a gas station fifteen minutes from my house because my card would n't get approved. I called in to Wells Fargo and they said there was nothing they could do and told me to go to a physical location to get a temporary card ( which I could n't do because I had no fuel ). Because of their actions I missed a meeting with a very important client who might not do business with me now. I also had my screaming XXXX stuck at this gas station unable to leave or get her anything.
Consumer complaint received 2015-10-16
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (MO)

On XXXX XXXX there was a system upgrade and since that day, my funds have been depleted. There are multiple items that have been debited from my account numerous times after calling the merchant and getting the authorization codes I was told they could only release ONE. When I checked my account this morning, my money was once again GONE! 

There is also a dispute that I filed on XXXX XXXX for {$62.00} that has not been resolved. Customer service is HORRIBLE and I am MORE than fed up!
Consumer complaint received 2015-08-08
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: HSBC NORTH AMERICA HOLDINGS INC. (KY)

Offices of XXXX contacted me via phone and told me I owed money on a credit card I know nothing about. The person I spoke with name is XXXX XXXX and he was very rude and unprofessional in his attempted to collect this supposed debit I owe. I inquired about the card and just tried to understand what was going on but he really did n't want to hear anything I was asking about nor did he send me any documents in the mail prior to or after we spoke to prove I actually owed this debit. I have received and currently am still receive abusive threatening messages from processers saying all sorts of derogatory things. Due to the first message I received stating they would come to my place of work and serve me and the fact that I really did n't want any issues financially I paid XXXX on the spot and was told I could set up a payment plan for the rest of this money I allegedly owed. The payment plan was told to me on the phone and then I was told for it to be valid I would be sent a copy of the payment plan to my email in a few days and would have to sign, authorize and send back to them through email. I had n't received anything in a few days so I called back and left a message saying I never received anything to my email. About a day or XXXX later I got a phone call from XXXX XXXX and he then told me he had sent it again. I checked my email and it was there this time. I never signed it printed the emailed contract and decided to take this to and attorney and see what were my rights when it came to all of this. I also pulled my credit report took that with me as well to the legal offices on post, and this card from Household bank I am allegedly owing is not on there. I then sought out and attorney through the XXXX due to the fact I am currently a XXXX at XXXX XXXX, KY. The first payment was supposed to be made XXXX XXXX according to the emailed contract they sent me but once again never signed and sent it back to them authorizing this but Offices of XXXX took it upon there selves to take that payment anyway. The attorney sent Offices of XXXX a letter, notifying them I now had representation and they were to only contact my lawyer not me directly anymore. Unfortunately they failed to do so braking the law by trying to contact me after the letter was sent also left another threatening fortuitous message, that I also saved. I am in no way opposed to paying this debit if it truly mine but I was not given any proof except XXXX XXXX stating that my social was attached to this card and it means nothing. There is so much fraud and stealing of individuals socials and identity theft I only want to be sure before I pay another persons debit, and by law I have that right. I would like for this to be investigated, my money returned and no longer harassed by this company or its processors. I look forward to hearing from you. Thank you