davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am intrested in disputing all unauthorized information on my credit report with Equifax because my file is not 100 % accurate. my credit report the data is not matching it is hindering my file. please update all information requested.
Consumer complaint received 2017-10-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Santander Consumer USA Holdings Inc. (FL)

I paid off my loan with XXXX XXXX XXXX on XXXX/XXXX/XXXX and requested on XXXX for the GAP insurance to be cancelled via email. They sent an email back requesting I fill out a form and return it, which I did the same day ( XXXX/XXXX/XXXX ). XXXX XXXX, an employee of XXXX XXXX XXXX, confirmed receipt of the requested document on XXXX/XXXX/XXXX. That same day I also sent the cancellation form to Santander and they confirmed it was cancelled on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I emailed them asking about my refund from the cancellation of the GAP insurance. They responded on XXXX saying the cancellation has been received and process and that I needed to follow up with the dealership to get my refund of {$800.00}. I have made numerous phone calls to XXXX XXXX XXXX asking about my refund and many times will tell me the person who handles is n't in that day and will call me back. I never receive a call back. I have again called today and was told they will call me tomorrow. On XXXX/XXXX/XXXX, when I initially called to cancel, they told me it would take XXXX weeks to receive my refund and have since not been given any reason why I have not received it in the quoted timeframe.
Consumer complaint received 2021-04-21
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. (GA)

I reached out to the 3 credit bureaus because there is information on my credit report that is inaccurate. 

There are several names and addresses on my report that are not mine. 

There are also 3 accounts on my report that do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX. XXXX I have filed several disputes regarding these matters and have not received a resolution. Having incorrect names and addresses associated with my public record makes me susceptible to identity theft. 

Please help in having these items removed from my credit report immediately.
Consumer complaint received 2020-10-08
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: Experian Information Solutions Inc. (GA)

THE ACCOUNTS THAT ARE LISTED ARE FRAUDULENT THEY DO NOT BELONG TO ME SOMEONE USED MY SOCIAL AND PHOTO ID TO OPEN THESE ACCOUNTS I DID NOT OPEN THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX XXXX and Experian CRAs. On XX/XX/2020, I mailed XXXX XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-03-10
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. (FL)

To whom it concerns, I have reached out to XXXX, XXXX, and Experian concerning three account that information was posting improper information concerning my accounts. I have sent letters twice times and I have waited the proper time frame to receive information concerning these items and I have sent letter via certified mail numerous occasion yet I receive no letters or information supporting the companies information on my credit report.
Consumer complaint received 2015-08-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Linebarger Goggan Blair & Sampson LLP (CO)

I have been receiving collection notices from Linebarger Goggan Blair & Sampson , LLP for more than a year now, for a parking violation that does not belong to me. I have sent them certified mail, including my vehicle registration showing that the plate in question had been registered to MY jeep, not the XXXX that was ticketed. Not only have I never owned a XXXX, the Jeep in question had been un-driven for at least XXXX months prior to the ticket being written.
Consumer complaint received 2022-03-10
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. (FL)

To whom it concerns, I have reached out to XXXX, Equifax, and XXXX concerning three account that information was posting improper information concerning my accounts. I have sent letters twice times and I have waited the proper time frame to receive information concerning these items and I have sent letter via certified mail numerous occasion yet I receive no letters or information supporting the companies information on my credit report.
Consumer complaint received 2021-09-07
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: Experian Information Solutions Inc. (FL)

I have submitted multiple fraud disputes to Experian based on a trade line that is reporting as a charge off on my credit report. I contacted both the original creditor and the entity that purchased the debt second hand after default. The secondary creditor conducted a fraud review and subsequently removed the negative reporting from my credit report. I have contact the original creditor multiple times and have been told that they are no longer reporting this line item and that I should contact Experian directly. I have attempted to work with Experian multiple times, raising multiple disputes regarding this issue and they continue to report this negatively on my credit report.
Consumer complaint received 2021-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/XXXX : opened dispute with Capital One regarding overcharged by a merchant. They said they would mail me a letter via US Mail if they needed more info. I did not receive the letter. 

XX/XX/XXXX : They emailed me to check a secured message. I logged into my account read the letter that said they were closing the dispute because I did not provide requested info. I then noticed that they had sent a letter on XX/XX/XXXX as a secured message that I received NO notification of requesting additional information. I explained to them that they told me I would receive a letter in the mail in which I did not and that I did not receive an email from them in XXXX re : a letter to log on to view. 

XX/XX/XXXX : They said they were no longer pursuing the dispute, and did not give me the opportunity to send the requested documents which I had. The vendor never refunded me or replied to me and neither did the company in which I paid. I am still out of the money I was overcharged.
Consumer complaint received 2020-10-06
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)

Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately. XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX
Consumer complaint received 2024-03-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/XXXX, my credit and debit cards were stolen out of my car. Within XXXX minutes of parking my car, the cards were then used to make purchases a nearby XXXX ( {$930.00} on a Wells Fargo credit card ) and XXXX XXXX ( {$500.00} on a Wells Fargo debit card ; {$2800.00} & {$2300.00} on a XXXX XXXXXXXX credit card. 

Soon after that, I noticed the fraud alerts on my phone and email, and contacted all of the card companies to cancel the stolen cards and dispute the fraudulent charges. All of the charges were credited back to me while they were investigated except for the Wells Fargo Debit transaction of {$500.00}. So I called Wells Fargo again on the following day, XX/XX/XXXX, and I manually disputing the charge on their website. I was told to wait for XXXX business days so they could review. 

On XX/XX/XXXX, I saw that the charge was still there and Wells Fargo hadn't issued a credit while they looked into the claim. So I called again to make sure they issued a credit. 

Finally by XX/XX/XXXX I received mail from Wells Fargo stating that the transaction " was authorized or that a processing error did not occur. '' So I called Wells Fargo again to appeal, and asked for the notes on the investigation. All I was told was the bank deemed " no fraud had taken place. '' I offered to give them the police report I filed, or any other evidence needed to appeal the decision. But they told me they would review the case again, and to call back in 1 to 2 business days.
Consumer complaint received 2022-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (GA)

I have not made a cash advance in over a year and my Wells Fargo bank keeps charging me interest fees every month and when I called and talked to a banker she told me that I will have to pay that fee until I pay the entire credit card balance off. I don't quite understand that when I am paying a interest fee for my regular purchases which is fair. Example XXXX  Statement : Interest charge on purchases {$11.00} Interest charge on cash advances {$39.00}
Consumer complaint received 2019-10-26
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. (IA)

my husband filed a chapter XXXX bankruptcy in XX/XX/XXXX. He has since beome deceased. 
XXXX XXXX. Servicing bought this loan from XXXX in XX/XX/XXXX. The arrearages and the balance were the same. Originally I owed {$20000.00} and XXXX increased it to {$25000.00} in the claims process. So every month i have paid. According to the ledger at the XXXX I have about {$10000.00} to go. 
( XXXX XXXX XXXX - MTG ARREARAGE {$15000.00} of {$25000.00} ) On my credit report it says I owe {$22000.00}. Experian took less thsn 24 hours to dispute this and the results were the same. And on top of this they are saying they did not get paid before XX/XX/XXXX. This is untrue as they began getting paid when they bought the loan in XX/XX/XXXX. So they are showing no payments for almost a year. Will you please try to help me? Apparently Experian dies not care enough to really investigate the facts. I also have documents stating XXXX  tried to get a relief from stay and had to withdraw. 
Thank you
Consumer complaint received 2019-03-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

As of XX/XX/XXXX I have sent all 3 credit bureaus letters requesting proper validation and verification of what appears on my credit report. Bank of America continues to show this as a revolving account, but I do NOT have this account. It was supposedly opened on XX/XX/XXXX. I want this bank to show proper validation per guidelines that this account belongs to me.
Consumer complaint received 2019-03-04
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. (NC)

Equifax is reporting me as 120 days past due on XXXX XXXX partial account number XXXX that has a {$0.00} balance and {$0.00} past due. This negative reporting is harming my score. I have disputed this directly with this bureau but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
Consumer complaint received 2018-02-01
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (MI)

In XX/XX/XXXX, I paid my bill twice by mistake. I called to get a refund for one of the payments. After a few days of calls and speaking with different people, I was told that they have to get a refund check mailed from XXXX XXXX and sent to them, then they would send that check to me. However, I never received anything. I finally called about it to check on the status in XX/XX/XXXX, and was told the refund was processed and sent out on XX/XX/XXXX and that I should've received it. I told them I'd wait a few more days to see if it comes in. I called back after a week because I still haven't gotten my refund, and at this point, the XX/XX/XXXXbill was due. I inquired about having the refund check canceled and just reapplying MY funds back to the account. After being put on a long hold, I was told that the manager couldn't do that at this point but was told that an email was sent to the Finance department to see what can be done, and that I would receive a call back once they got a response. It has been 3 days now and AGAIN, no one has reached out to me. I just want MY money back or reapplied back to my account so that my bill is paid for XXXX ... considering I ALREADY paid it, and they have done nothing to help but waste time.
Consumer complaint received 2017-10-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (SC)

I do not believe this company has standing. I have sent the following request to them : XXXX XXXX. XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX " Qualified Written Request ''. No answer XXXX XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX Dispute of Validation of Debt requiring answers XXXX XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX Request for original lender. Response received says who current lender is. Not what I asked. 

XXXX XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX Dispute of Validation of Debt requiring answers XXXX XXXX, XXXX Certified # XXXX XXXX XXXX XXXX XXXX I called Selene and verbally asked the questions that are on the letter. I was told to fax my questions to them. I did. I followed up with certified mail to no avail.
Consumer complaint received 2019-03-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

Since XX/XX/XXXX I mailed a certified letter to the collection agency Midland Funding asking them verify or remove the debt. They did not respond to my letter within 30 days. On XX/XX/XXXX I asked XXXX  to remove the debt since they did not verify the debt to me within 30 days. XXXX  sent to Midland Funding a request for verification and it came back valid to XXXX, yet Midland Funding didn't send me verification as I requested. 

I have repeatedly disputed the debt from the collection agency Midland Funding. My last letter to Midland Funding was sent certified mailed on XX/XX/XXXX. I did received a statement from Midland Funding, yet again they did not respond to the letter with any information that was requested. 

I asked for : Name and balance of the original creditor? 
Highest balance amount of delinquency? 
Was the debt assigned to Midland or did they purchase it from XXXX XXXX Monthly statements or purchases with the original creditor.
Consumer complaint received 2017-10-04
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: Credit Plus Inc (MO)

XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX I do not recgonize these inquaries.
Consumer complaint received 2019-03-04
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: ACIMA CREDIT, LLC (TX)

On XX/XX/2018, I went to XXXX XXXX located at XXXX XXXX XXXX, XXXX, TX XXXX. I was told by XXXX, the lady at the desk that it would be easy to finance the purchase through acima financing, that way I could pay off the tire in three to four months and my payments would be around {$41.00} dollars each payment. Little did I know that I was signing up for Leasing those four tires. XXXX   did not disclose at any time that the tires were for a Lease/Rental. XXXX told me that acima would be sending a email for me to sign. Little did I know that it was Rental/Lease Agreement. Of course it's on my phone which is smaller. Personally, I have always thought, who would be XXXX  enough to Rent tires. Evidently, I did and did not know until the payments of {$41.00} seem to extend beyond the three to four months which XXXX had explain to me. I thought to myself, those tires should be paid off by now. I called acima in early XX/XX/XXXX, who informed me that I had signed a lease with a 90 days option plan to purchase the tire and that the sales person should have disclosed that this transaction was a Lease/Rental and that she would get the acima to call and let them know. I think this has been done before to other may not have understood what they signed. I can't believe I had gotten taken. I  work at a bank in the loan department and should have esign the paperwork. By this time the tire were already on my car because the email arrived much later in the evening after the work was completed. At the time there was not any signage inside or outside the store that that specifically states you can Lease or Rent tires. XXXX, made the sale, but failed to disclose that my transaction was a Lease Rental of tire. acima informed me that unfortunately I should have paid the tire off withing the first three to four months and that I still owned over {$620.00}. The Lease/Rental of the tires will cost me over {$1000.00}. There is a small brochure which states " No Credit Needed '' 90-day Payment Option with an Easy Payment Guide which tells how much your payments will be. This Brochure regarding payment terms is inadequate. Whoever sales you the merchandise, should be required to state that the transaction is a LEASE/RENTAL OF MERCHANDISE. In no way was these word ever use. This is clearly a deceptive practice among retailers such as this as there were many compliant on acima once I google it.
Consumer complaint received 2017-12-26
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)

I have been a victim of fraud and identity theft and have made this known to the 3 credit agencies XXXX XXXX, XXXX, and Experian. However they are reporting errors on the credit report and profile they have set up for me. 

I have repeatedly asked for evidence of the verifiable proof to support the reporting, but yet again, they have failed to provide me with a copy of any viable evidence submitted by any of these creditors substantiating their claims. These negative events that are being reported by their agency are erroneous and false. Furthermore, I have also requested their method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act. 

The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (MI)

On XX/XX/XXXXI received a call from XXXX  teller number XXXX my single point of contact from XXXX Mortgage. I told her that I was concerned about the Default letter that was dated XX/XX/XXXXdemanding all past due payments by XX/XX/. I have already made a payment on XX/XX/ XXXX. I turned in a loss mitigation packet and I explained to her that I will not be able to pay all past due payments by the XX/XX/XXXX. I told her that I will receive a profit sharing check on XX/XX/XXXXwhere I could catch up on all payments past due totaling XXXX. She responded that they sent a another Default letter onXX/XX/XXXX giving me until XX/XX/. I have not received that letter as of todays dateXX/XX/XXXXXX/XX/XXXXShe also said my loss mitigation packet is complete and under review as of XX/XX/XXXX My concern is I DON'T have any documentation stating what I'm being told. I afraid this company is going to foreclose on my property. I have talked to several reps and I am getting told different things. Please can I get some straight answers because it seems that my last resort is going to be filing bankruptcy. This is not what I want to do.