davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

There are several errors on my XXXX, Experian and XXXX credit reports. They are as follows : Accounts are XXXX XXXX, XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX. The erroneous inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>.
Consumer complaint received 2021-03-24
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a complaint regarding two debt collections that are in error to you. Complaint Number XXXX. After checking my credit report the debt collector XXXX for XXXX XXXX was taken off my credit report. I checked my credit report on XX/XX/21 and it was put back on my credit report. The other XXXX  for XXXX is being paid monthly by XXXX XXXX XXXX XXXX. I was told that when a collection is settled my credit score should go up. That did not happened. XXXX ghosted my social security number. XXXX XXXX XXXX is the debt collector not XXXX.
Consumer complaint received 2018-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ERC (CA)

This acct needs to be VALIDATED not a verification but VALIDATE the acct with a Certified Copy of TRUE BILL not a statement and the Original Documents with my Wet Seal Signature on it send me all proof request or REMOVE acct. Spoke to a XXXX on XX/XX/2018 who refused to honor my request to have this account VALIDATED telling me I had to contact the company first then he said they cant VALIDATED this acct. they have to dispute it 1st when every time you dispute it takes 30 days so this acct has to stay on my credit for over 60 days that's XXXX when that is called an verification and that is not what I told them to do its called VALIDATED THE ACCT. not a verification its a difference then I request to speak with his Supv. which his supv. refused to get on the line and XXXX comes back with this script is stopped him and said I will be reporting this to the ( Cfpb ) snice you and your supv. Refused to do your job this is my credit you can't tell me what to do about my credit and the Accts. That's on them they need to be VALIDATED this is my right by they law that I have a right to ask that any acct. On my credit file be VALIDATED not a verification so I don't wish to have this account to just be disputed I DEMAND THEY ACCT TO BE VALIDATED ONLY not an dispute or an verification my new address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX and i called in and dpoke to a XXXX who was a supv. Who told me and verified that my address was updated and I was just told it wasn't updates I did record the call and I told them it was recorded NOBODY DOES THEY JOB THEY ONLY LIE UPDATE MY ADDRESS PULL UP THE RECORDED CALL I WAS TOLD MY ADDRESS WAS UPDATE IT STARTED FROM ANOTHER SMART MOUTHED SUPV. NAMED XXXX THESE PEOPLE ARE ALL LIARS PEOPLE LIE NUMBERS DON'T all mail sent to the XXXX XXXX address will be returned. UCC 1-308 WITHOUT PREJUDICE
Consumer complaint received 2019-03-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of America Ltd. (WA)

This issue is related to a breach of contract for services not rendered by the merchant and a cancellation of those services under the contractual cancellation policy included in their agreement they refused to provide under the contract handwritten at XXXX XXXX in XXXX XXXX WA,XXXX as you can see in the contract attached it provided XXXX cases of bottled half liter size water every delivery and the documentation refers to see reverse for more info and the reverse page is not included. The company refused to honor the bottled case of water included in the contract but later said that was a promotion and sign on bonus one time only. Also you can see by the invoices provided that they never delivered those bottles of water. The cooler has been available for pick up for nearly 5 years at the same location and no one seems to want it.
Consumer complaint received 2017-02-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (LA)

I recently received a notification from a credit monitoring site I utilize that new information was added to my credit report. Upon further investigation I noticed some discrepancies being reported by a collection agency called XXXX XXXX XXXX. There was an amount and open date change for this previously disputed account, which from my understanding is called " reaging '' and is illegal according to the FCRA. XXXX XXXX XXXX added a new collection account to my credit for a previously disputed and removed account with XXXX XXXX. This account was resold and is now being reported by XXXX XXXX XXXX incorrectly and without any proper validation. I have enclosed photos of the previous and current information being reported by these collection agencies. I would like to have this account reviewed and removed from my credit report immediately due to inaccuracies and illegal practices.
Consumer complaint received 2015-08-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HW Holding, Inc (MD)

Hunterwarfield debt collection company and I reached an agreement where I would pay {$2100.00} to settle a debt owed to springfield apartment and they would report the debt to Credit Bureaus as paid and closed. I finished making the payment on XXXX/XXXX/15 after XXXX payment and as of XXXX/XXXX/15 which is XXXX days later they have failed to report the debt as paid. I have spoken with XXXX and they inform me that Hunterwarfield has not reported the debt as paid even though customer representatives at Hunterwarfield keep telling me they have. At other times when I call Hunterwarfield they hung up on me. I would apprecaite assistance with this issue as Hunterwarfield promised me they would take 30-45 days to update the credit bureaus and have refused to do so and keep lying to me that they have.
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-09-09
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2017-07-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

I signed a promissory note on XXXX XXXX, 2004 with XXXX XXXX and have still not received a certified copy of the original note with the proper endorsements to any other lender, even though XXXX XXXX claims to be acting as Trustee for an LSF9 Trust I know nothing about according to the attached assignment of Deed of Trust. Therefor once again per Section 6 of RESPA this is a qualified written request ( QWR ) for all the documentation pertaining to my note.
Consumer complaint received 2019-02-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am a government employee affected by government shut down. I spoke with the loss mitigation department and was granted an extension to XX/XX/2019 to make my loan payment. I had money to pay my credit card and line of credit which is the issue I made a XXXX payment XX/XX/2019 and was reported as late and delinquent to the creditors bureau in spite of them knowing I a government employee that was documented in the system. I have spoken to the bank and they said they would dispute it and correct this it has been 30 days and it still reflects delinquent on my credit file. This is a travesty that I have 4 accounts with this bank and they extended the loan but I told them I will pay the line if credit of XXXX dollars and they report me 30 60 90 days late when that is not accurate. I want the delinquent remark removed.
Consumer complaint received 2019-02-17
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: General Motors Financial Company, Inc. (NJ)

My credit was used without my permission. This was fraud committed by XXXX XXXX XXXX XXXX XXXX XXXX. I did not purchase a car from this car dealership. The dat was XX/XX/2019. The reference number is XXXX. The loan company is GM Financial.
Consumer complaint received 2021-09-10
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. (AL)

Dear CFPB, I am XXXX XXXX born and raised in Alabama and I have lived here all my life. Someone is using my identity in XXXX XXXX Nevada. Please see attached information. These addresses on my credit file are not mine and no way affiliated with me please remove ASAP from all 3 credit Bureaus. 
XXXX XXXX XXXX XXXX, Nevada XXXX XXXX XXXX XXXX XXXX, Nevada XXXX XXXX XXXX XXXX XXXX. Nevada XXXX XXXX XXXX XXXX XXXX, Nevada XXXX XXXX XXXX XXXX XXXX, Nevada XXXX XXXX XXXX XXXX XXXX XXXX, Nevada I have uploaded over XXXX years of Alabama XXXX state Drivers license and state ID as well as my Alabama XXXX food stamp card and a piece of mail Someone has stolen my identity and using it in XXXX XXXX XXXX Nevada I received a email awhile back that my information was found in a credit breech or some type of breech with XXXX and XXXX and I didn't understand what it meant until I went to apply for the XXXX Senior Living and found out someone has been using my identity.
Consumer complaint received 2018-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (AZ)

I took out a auto loan with Westlake financial. The loan was paid in full XX/XX/18. Over 90 days later, the loan still shows that I owe over 4,400 on the loan. I have contacted Westlake numberous times without any success. Westlake has send me the pink slip showing the auto is paid in full, but will not remove it from my credit report.
Consumer complaint received 2015-04-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PA)

I am a XXXX representing my client in her efforts to obtain a loan modification from Wells Fargo. Throughout the entire process, which still has not been resolved, Wells Fargo has failed to take proper action, has imposed unrequested and secretive " cease and desist '' orders which prevented my client, her ex-husband, and her housing counselors from communicating with Wells Fargo without any knowledge or permission, Wells Fargo has irrationally and wrongfully and repeatedly refused to accept legitimate documents from my client to establish evidence that my client was conveyed titled to the subject property and that she obtained a valid divorce ; when I have escalated these problems to higher persons, I have been assured that the problems have been resolved and that I could call the supervisor directly if a problem occurred, only to discover that the problems were not resolved and that the supervisor deliberately failed to return my phone messages and refused to call me until I sent a written email. Today, when the supervisor called me and refused to address the problems I raised, he refused to permit me to speak with his supervisor and he refused to give me the name of his supervisor, telling me that I would not get any different result from a supervisor. This treatment of me and my client has persisted for more than six months. 
FINALLY, reviewing my files of this case, I just realized that Fannie Mae never responded to my XXXX XX/XX/2014 Complaint which I submitted in regard to this matter.
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2021-09-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I rented a car from the websight XXXX. They provided me a rental car through XXXX. I prepaid the amount of {$390.00}. * While on vacation in The XXXX XXXX area the car suffered a flat tire. 

I called the Customer assistance number several times over the course of two hours without answer. The car did not come equipped with a jack or spare tire. 
When I finally reached roadside assistance at XXXX they explained COVID created long wait times and to change the tire myself for faster service, then take the car to any XXXX for exchange. Because it was late Saturday/Early Sunday there were no local XXXX locations open. At this point the vacation was over and ruined. 

My only option was to call my roadside assistance and purchase a spare tire for the car. The emergency tire can only go 50 miles. I was more than 300 away from home. The closest XXXX was closed on Sunday. I opted to have the car towed at my expense back to XXXX XXXX ( my home ) and I turned the Car into the XXXX  rental car on XXXX XXXX on Monday night the XXXX. This was the soonest the tow company could schedule. My contract had to be extended one day over through phone through the automated system. It would not allow me to speak with a human. I contacted the manager of the XXXX XXXX XXXX ( I can provide timestamped cell phone records ) who was unhelpful stating there was no after hours drop box. The representative we spoke to earlier made no mention of timing in dropping of the car. Timing was dealt with by the tow company. 
The following witness ( s ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) are all responsible parties who can testify to the drop off of the car on the XXXX. 

A few days later I was notified by Chase bank that a fraudulent charge was attempted on my account in the amount of {$2100.00} by XXXX rental car. They closed my account and sent me a new debit card. After receiving a new account number and debit card number, another charge in the amount of {$2100.00} was authorized on my account without my authorization, signature or knowledge. 

A dispute was opened by Mr. XXXX and he was granted temporary credit. However without a chance to explain his side or present witnesses or evidence his dispute was overturned. What car rental is {$2100.00} for three days? Also in confined suspicious activity on XX/XX/XXXX Mr XXXX account was fraudulently charged {$490.00} by XXXX rental car. Mr. XXXX never provided XXXX XXXX rental car with his new account or bank account information. This is the reason we are filing this complaint against Chase who is unlawfully allowing oitside corporations access to the funds of their customers who they are entrusted to secure the finances required for the means of food and shelter.
Consumer complaint received 2021-07-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

My information was leaked from a breach with my doctors office. I received a recent notification and then I looked closer at my report & noticed that there have been a lot of request that someone made attempting to open accounts in my name that I did no give them my permission to do so
Consumer complaint received 2015-11-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HW Holding, Inc (TX)

Harrassment by a company called Hunter Warfield who is seeking to collect a PAID obligation in the amount of {$1200.00}. The amount is representative of charges remaining upon termination of a lease with XXXX XXXX, an apartment complex in XXXX XXXX, Tx that is owned by XXXX XXXX XXXX. I made payments to XXXX XXXX 's management plus additional payments to this Hunter Warfield who is the debt collection agency that was engaged by parent XXXX XXXX XXXX. I fully paid the obligation over a span of several months a total of {$900.00} in payments. The remaining {$300.00} was paid via application of the pet deposit that was paid to XXXX XXXX.
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2019-03-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc. (IL)

Apparently Aargon " bought '' this in XX/XX/XXXX per my credit report. 

I do not recall seeing any notification from them and definitely did not speak to them about any issue or claim. My first knowledge of them was seeing a debt collection on my credit report, which was reported in XX/XX/XXXX. 

The prior collection agency never provided me any correspondence after I asked them to verify the debt as it is not valid well over a year ago. The file should have been closed. 

I believe Aargon consciously and unscrupulous violated the Fair Credit Reporting Act by not giving notice ( as they know from the file the debt is not validated ) and reported to the credit bureaus.
Consumer complaint received 2021-07-08
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. (NC)

XXXX XXXX DEBT COLLECTOR DID NOT PROVIDE HIPAA RELEASE to be able to collect on this debt. I will proceed with legal action seeking monetary damages for the consumer rights violated if this is not removed from my consumer report within 30 days. You as a consumer reporting agency are civilly liable for reporting this unauthorized information. Please do your job and remove all negative medical accounts on these consumer reports. 
All accounts attached to XXXX XXXX 

I would also like to receive a copy of how you all validated the listed debts here. I reached out to the companies myself and they did not fully validate each debt PURSUANT TO 15 USC 1692g ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ). IF THE COMPANIES DID NOT SUPPLY YOU WITH THIS COMPLETE INFORMATION, THEN IT NEEDS TO BE REMOVED BY LAW. 

Accounts ; XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2015-12-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (GA)

Experian is reporting inaccurate information on my Credit report and said information does not belong to me. Experian has re-aged the inaccurate information on my credit since 1998 and is in violation of several federal laws. The information does not belong to me.