davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Trident Asset Management, L.L.C. (IL)

In securing a loan for a new home, we found out there was a collection on my credit report from Trident Asset Management XXXX. XXXX XXXX, XXXX GA XXXX XXXX : XXXX. It was apparently from XXXX in the amount of {$51.00} however, this was not something that XXXX ever submitted to them. We were never contacted by XXXX, nor were we ever made aware of this debt by XXXX. We only found out about it from our lender pulling our credit. It is negatively affecting our credit report and all attempts to obtain further information from XXXX were unsuccessful. They just kept telling us we had to pay it. XXXX has NO record of this debt or an account. XXXX refuses to answer questions, and they are also refusing to remove it from our credit report.
Consumer complaint received 2015-04-01
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Focus Holding Company (LA)

Focus Receivables Management & XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXXThe above listed debit collection company contacted me via letter File # XXXX referencing I owe {$130.00} from XXXX Last four digits of account XXXX. All above listed information was on letter they sent. Focus Receivables Management upon contact did not show themselves to be a legit company or any other information to provide they are not a scam but they just kept asking for personal information and this is the XXXX and only letter they sent also
Consumer complaint received 2022-08-04
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have disputed these items numerous times already which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. If you claim these items are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with these items which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these items from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-05-23
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Ashfield Management Services Inc, (NC)

Received a call from a " process server '' to confirm address in order to serve me. Called my cell phone and my workplace. No info given, supposed server is a XXXX XXXX XXXX, was given the number XXXX to call with a reference number.
Consumer complaint received 2015-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion , LLC reported to me in a letter of XXXX XXXX, XX/XX/2015 that they responded to an an " Employment Disclosure Report '' request from XXXX for a job position I applied to. They reported as a Public Record Information that a XXXX was entered against me XXXX in a XXXX Court ( does n't say where or what State ) under Docket # : XXXX by XXXX in the amount of $ XXXXThis information is totally incorrect and false. 
I have never been sued or had a judgment against me. This is someone else 's information. I will state if " their incorrectly reported information '' costs me this job opportunity, I will be suing TransUnion , LLC myself in a XXXX Court of law for damages.
Consumer complaint received 2016-10-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

TransUnion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting ALL inquiries be removed 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
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights : XXXX  XXXX Account # XXXX ; XXXX XXXX XXXX XXXX Account # XXXX ; XXXX # XXXX ; XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX 15 U.S.C. 1681 section 602 A states, I have the right to privacy.

15 U.S.C. 1681 section 605 A section 2 states, consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2015-07-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NV)

I wish to make a formal complaint about an inquiry on my Credit File. The issue is that I applied for a Credit Card at XXXX Bank in XX/XX/XXXX in hopes to improve my credit rating and was approved but never received the card. I assumed there was a long processing time to obtain this card, but when I researched this issue at a later time I found out that they did send me a card but the address never included my apartment number so the card got lost in the mail. They then informed me that due to the delay in activating this lost card they closed the account. 
The Bank then informed me that I would have to start this process over again to obtain another card. I decided not to do this, but I have this inquiry on my credit file which gives the appearance that I have applied for credit but been denied. I wish to remove this item from my credit file to avoid any confusion from potential creditors. 
This inquiry will not be removed until XX/XX/XXXX. 
I sent a letter to Experian explaining this issue but have not receive any correspondence in resolving this issue. 
Latest Experian Report Number : XXXX : XX/XX/XXXXXXXXXXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX # XXXX
Consumer complaint received 2016-09-20
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC (CA)

BMW financial is reporting 30 day delinquencies with the bureaus even though my payments were not 30 days late. I disputed the late reporting with BMW financial services and received a letter from XXXX XXXX stating " BMW Financial Services reports missed payments and late payments as delinquent when received greater than XXXX calendar days beyond the scheduled due date. '' According to XXXX guidelines there reporting is incorrect and therefore in violation. XXXX guidline states " The " clock '' for a 30-day delinquency starts 30 days after the due date, as opposed to the billing date. Under their XXXX XXXX account status code they have an example on their site and it clearly states that a payment received and cleared on the XXXX day is not 30 days late.
Consumer complaint received 2015-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

I paid XXXX XXXX XXXX back in XXXX. They sent a letter to all XXXX credit bureaus and my wife and I showing that the account was satisfied in full. The problem is that all the credit bureaus are reporting this account in the remark section as " settled for less than full amount ''. I asked them all to remove the remark from this account. I uploaded and faxed documentation from XXXX XXXX XXXX showing this account was satisfied in full. It 's now XXXX, and we are in the final process of getting our XXXX home, and the remark is still showing on our reports. We need to have the remark removed.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2022-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights : XXXX  XXXX Account # XXXX ; XXXX XXXX XXXX XXXX Account # XXXX ; XXXX # XXXX ; XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX 15 U.S.C. 1681 section 602 A states, I have the right to privacy.

15 U.S.C. 1681 section 605 A section 2 states, consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-02-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (FL)

I have contacted Experian and also I have disputed several times an account from XXXX listed on my credit report as derogatory with an outstanding balance. I have paid off the account. I will attached the paid off letter to this complain which was also sent to Experian. I also called XXXX and they have confirmed my account to be paid in full with a Zero Balance. And Experian keeps saying that they verified the account to be accurate. They are lying and they are breaking the law under FCRA, by proving erroneous information on a credit file of a consumer. It is the on account under Home Dept listed as Original Account last 4 : XXXX Creditor : XXXX Regarding The XXXX XXXX XXXX Credit Card XXXX and XXXX are refusing to delete the account even when I have provided evidence of the account being paid off.
Consumer complaint received 2016-11-04
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: LoanCare, LLC (WA)

My Mortgage lender, since 2012, has been XXXX Mortgage. I am attempting a refinance with another company. My credit score is around XXXX and all is in order. XXXX Mortgage lists me as current and up to date. Unfortunately, LoanCare is reporting me as over 120 days delinquent on the same loan held by XXXX Mortgage. With this blemish on my credit report, I can not get the funding for the refinance.
Consumer complaint received 2021-06-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (KY)

I applied for the loan and was approved at the beginning of XXXX ( XX/XX/2021 ) The money was deposited into my account for the total of XXXX into my bank account through direct deposit. I was not informed that the apr would be 499 % Nor was I able to print the fees, and paperwork from the agreement. The gentleman on the line was continually pressuring me to sign while I attempted to read the agreement. 

When I opened the portal for the loan to see what my monthly payment would be ( I was not informed of that either ) I found out it would be XXXX a month. I wasn't sure why it was so high. I called with the intent to defer the first month and the customer service gentleman then told me my apr was 499 %. When I told him it was outrageous he did not offer any solutions and would not attempt to help me in any way with this. 

The loan currently before any payments have been made stands at the balance of XXXX. This is set to go up at 499 % each month. There is no way anyone can pay this exorbitant amount.
Consumer complaint received 2015-09-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear sir/madam, First I would like to thank you, my previous issues were resolved because of your advocacy. 
As I am rebuilding my credit, I am watching my credit reports closely now. Please see pages XXXX, XXXX and XXXX. Page XXXX for example : XXXX ; XXXX reported " Debt included in or discharged through Bankruptcy Chapter XXXX, XXXX or XXXX '' -last reported XX/XX/XXXX. XXXX and TRANSUNION also reported " included in BK '' but last report date is XX/XX/XXXX. 
My question is : Are credit bureaus mandated to do additional reporting after the bankruptcy filing date? ( restating the same facts! ). 
Please advise ; I will write a complaint directly to the respective credit bureau if what they are doing does not conform with the law.
Consumer complaint received 2016-01-07
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (MS)

I have a baloon mortgage with Wells Fargo. I have been trying to get a refinance with a better rate and more reasonable terms. Our refinance consultant has made it almost impossible to accomplish this. He/ they have made unreasonable demands before they can close. The amount in question is very small and our appraisal is more than twice the amount to be refinanced. Very poor communication and customer service.
Consumer complaint received 2022-02-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XX/XX/2022 I sent dispute letters to Transunion, XXXX, and XXXX. Disputing the accuracy of the inquiry. It has been over XXXX  days and I have received no response.
Consumer complaint received 2022-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On Saturday, XX/XX/XXXX at XXXX PM, for deposit, i placed a personal check of {$1000.00} in the ATM machine located outside the XXXX branch of Wells Fargo bank. The dollar amount of my deposited check, was frozen and the funds were withheld until Tuesday morning XX/XX/XXXX. I believe Wells Fargo withheld my funds illegally too long. I believe they were in breach of the law by withholding my funds for that long a period. I was misinformed by XXXX Wells Fargo people that the funds from my check in part would be released to me Monday, XX/XX/XXXX. In the past, when i made such deposits of a personal check at least % 40 of the funds would be released to me.
Consumer complaint received 2016-10-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (TN)

Wells Fargo Auto recovery has re-aged an account on my credit report, provided inaccurate information, and not provided proper methods for me to contact and dispute the accuracy. According the the FCRA and FDCPA reporting should be accurate and reported within the statue of limitations. I have provided a letter details the issues, copies of XXXX credit reports with incorrect information as well as a full payment history provided by one of the representatives of Wells Fargo.
Consumer complaint received 2017-05-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ZWICKER & ASSOCIATES (IN)

XXXX  violated their arbitration clause.  XXXX  put an arbitration clause in their contract that they did n't honor and then tries to continue the lawsuit against me after the arbitration was dismissed by  XXXX .     O n   XXXX   XXXX   XXXX   ,  Zwicker & Asscociates PC on  behalf of   XXXX   XXXX   filed a claim in Small Claims Court against me for approximately {$3500.00}. Zwicker & Associates hired local attorneys  XXXX  and  XXXX  to r epresent    XXXX   XXXX  .        XXXX   XXXX   XXXX  ,  I filed a  Motion to compel Arbitration.         XXXX   XXXX   XXXX  ,  the  Court Ruled.  Ruling states, Arbitration filed with   XXXX   ( #  XXXX  ) ; Matter continued indefinitely in order for Arbitration process to complete. Documentation attached.      XXXX   XXXX , Counsel for  XXXX  files a request for another hearing on the Motion to Compel Arbitration. Arbitration was ruled and agreed on     XXXX   XXXX   XXXX  .
On or about   XXXX   XXXX   XXXX  , I received a letter fro  m  XXXX  and  XXXX  c/o  XXXX  stating their client  may  be willing to discuss settling the matter at a reduced amount. They states arbitration is " very expensive. ''    XXXX   XXXX   XXXX   ,  XXXX  closed the case. Case terminated because  XXXX  failed to pay and participate in Arbitration.        XXXX   XXXX   XXXX  , a Motion for Joint Stipulation f or Substitution of  Counsel  was filed.  XXXX  and  XXXX  was no longer representing  XXXX  and Zwicker & Associates.     Year Later ,   XXXX   XXXX   XXXX   , Zwicker & Associates files a motion to return case to active docket.   Zwicker & Associates KNOWINGLY FILES A FALSE STATEMENT WITH THE COURT.   Zwicker states, As of  XXXX / XXXX / XXXX , Defendant failed to pay required Arbitration fees, and the case was terminated by the  XXXX   XXXX   (   XXXX  ).     THIS IS COMPLETELY FALSE, PLEASE SEE ATTACH DOCUMENTS FROM  XXXX .   The Plainti ff ( Respondent ) w ho is  XXXX  failed to pay case management fee.   XXXX    sent the counsel for  XXXX  several letters requesting payment but they failed to respond.        XXXX   XXXX   XXXX  , Court dismisses case without prejudice. Judge writes t he following Plaintiff admits to failing to pay arbitration fee causing closure of arbitration process. Def. requests dismissal for failure on plaintiff 's part. Court grants defendant 's request for dismissal. Parties were ordered to arbitration and that has not occurred by no fault of defendant leaving this open on her credit history is unduly prejudicial.        XXXX   XXXX   XXXX  ,  Zwicker & Associates c/o  XXXX  files a motion to vacate dismissal to refile a new arbitration case since the  first one can t be re-opened.     Zwicker & Associates c/o  XXXX  failed to send me a copy of their motion to vacate dismissal, therefore, I was not able to write an opposition to their motion because I was not aware of it.
Consumer complaint received 2017-01-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (AL)

Dear XXXX, This letter is a formal complaint that you are reporting inaccurate credit information. The account is closed and paid in full. It has been over 7 years since the account was open. Therefore, I am asking for you to remove this item immediately. 
In the month of XX/XX/XXXX, it was reported that I was 60 days late on my XXXX account. This was reported to all 3 credit bureaus. 
With proof I am attaching documentation that I enrolled in school at XXXX ( XXXX ) XX/XX/XXXX -XX/XX/XXXX and my account should have been in -school deferment. When you are enrolled in school at least half-time you are able to request an in-school deferment. However, I did have to drop with my international travels. Furthermore, I did n't receive any written communications about this matter because I was out of country from XX/XX/XXXX to XX/XX/XXXX for work. Upon returning to the country I spoke with several customer service representatives who stated that they would remove the late payments since my account should have been in forbearance ( Please see page 2 ) from XX/XX/XXXX and XX/XX/XXXX. In addition, I was enrolled in XXXX during this time. 
Therefore my account was in forbearance and payments were not due at this time. However, I have called XXXX and emailed numerous times to get this matter resolved. I was assured that it was resolved until I received a copy of my credit report. Unfortunately, this matter has not been resolved. I am sure you will agree it needs to be removed ASAP. The following information therefore needs to be verified and deleted from the report as soon as possible : XXXX XXXX ... 
Sincerely,
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

CFPB + Experian, I am writing in to have my address corrected on my Experian credit report and all other incorrect addresses removed. 

attached to this complaint are : - my drivers license - my social security card - my address- my written complaint - screen shots on Experian where these are located Please have this updated as soon as possible