davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

Due to the Equifax credit information breach, my son 's social security number was released and someone started fraudulently using his social security number. We learned about this last week when we went to open a utility in his name. XXXX worked with us to clear up his file. When we ordered his free credit reports only XXXX sent one to him. Equifax refused to send him one and we haven't heard from XXXX yet but neither report was available online. Each credit bureau instructed him to call for further assistance. Equifax asked for more documentation to be sent to them via mail or fax, which we felt was a very insecure method. We called to get help and to see how we could send information more securely, perhaps via an encrypted email & try to figure out how to resolve the issue. When we called Equifax, they refused to help him because I was helping him explain his situation. He gave them the authority to speak with me by giving me legal power and privity to speak on his behalf over the phone but they refused to speak with me. We informed them that he is a person with disabilities  and needs support to navigate the situation but they refused to help. In frustration, he tried to speak for himself and they still refused to help him. They demanded that we provide a power of attorney document from a lawyer to speak with me. That should not be required. They are clearly not aware of federal protections for persons with disabilities. In fact, anyone can do that if they need help navigating a service or call, it's our right! Their company policy can not trump federal law and I tried to explain this to them but they refused to help him. Now not only have they compromised his social security number, but they also refuse to send him a credit report so he can take the necessary steps to clear his file and they refuse to speak with him or me to help him resolve this problem. We are at a loss. We don't know how to help him fix this. They also refused to pass us to anyone above them to help us. We spoke with XXXX, a XXXX with Equifax 's office of consumer affairs. He actually wound up hanging up on my son. So utterly frustrating!
Consumer complaint received 2019-11-05
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: Westlake Services, LLC (TN)

Credit was pulled I have not authorized my credit to be pulled XXXX XXXX, XXXX 2019. 
My credit score has dropped 100 points.
Consumer complaint received 2018-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

I am not quite sure if these companies are following proper reporting protocol ; if so I apologize for this complaint. However, two companies are reporting the same debt for XXXX accounts on my report. XXXX Bank was the original creditor for both accounts ( XXXX XXXX XXXX and XXXX XXXX ) and they were both sold to a collection agency called Portfolio Recovery Associates. Both companies are now reporting the debts. I feel that this is lowering my score even more. I understand that it is a collection and I have no problem with that. I just want to know why both are reporting and not just the collection agency as I have had happen in the past. I feel like this is making it look like my debt to income ratio is worse than it actually is. Thank you for your help with this matter.
Consumer complaint received 2018-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am not quite sure if these companies are following proper reporting protocol ; if so I apologize for this complaint. However, two companies are reporting the same debt for XXXX accounts on my report. XXXX Bank was the original creditor for both accounts ( XXXX XXXX XXXX and XXXX XXXX ) and they were both sold to a collection agency called XXXX XXXX XXXX. Both companies are now reporting the debts. I feel that this is lowering my score even more. I understand that it is a collection and I have no problem with that. I just want to know why both are reporting and not just the collection agency as I have had happen in the past. I feel like this is making it look like my debt to income ratio is worse than it actually is. Thank you for your help with this matter.
Consumer complaint received 2023-01-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OH)

To start in XX/XX/XXXX I originally sign with another company in XXXX Wells Fargo purchased my loan.Originally my loan included a payoff if I was XXXX.Wells Fargo told me they dont buy that portion of a loan. I was unaware of their purchase or not purchasing the payoff portion if I was XXXX. I became XXXX in XXXX. I continued paying my loan.Then in approximately XXXX XXXX apparently changed my area to aa flood zone, unaware Wells Fargo charged me for flood insurance totalling thousands of dollars due at once.I had to refinance to become solvent with them. Every year my payment has changed and I have a fixed rate.It has always been something with them from the start.
Consumer complaint received 2019-11-05
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

Credit was pulled I have not authorized my credit to be pulled XXXX XXXX, XXXX 2019. 
My credit score has dropped 100 points.
Consumer complaint received 2019-11-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: BBVA FINANCIAL CORPORATION (GA)

I attempted to reach out to BBVA in regards to my payments and late charges on my account. I received a return call and returned call but havent heard the status of my request. I spoke with a customer service representative with stated that I could no longer speak to anyone regarding the issues because a decision was made. I informed the representative that I had an email and left a message for Ms. XXXX XXXX on several occasions but received no return call.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OH)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2021-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN HONDA FINANCE CORP (NY)

I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2020 with a balance of {$7100.00}.
Consumer complaint received 2020-10-13
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: GreenSky, LLC (CA)

On XX/XX/XXXX, I paid off my entire balance with Green Sky. The payment of {$2600.00} was posted and my balance was changed to XXXX in XXXX, I looked at my credit report and it stated my balance was XXXX and I was past due. On XXXX, XX/XX/XXXX, XXXX, XXXX, I have submitted disputes online with XXXX  and uploaded bank statements showing the account was paid, Green Sky statements showing a XXXX  balance and a letter from Green Sky stating the balance is XXXX  and closed in XX/XX/XXXX. All 4 disputes have come back stating Green Sky is confirming the balance of XXXX as valid and past due. I have spoken with Green Sky every time and they confirmed they report the true correct balance of XXXX  and last did so in XXXX. I have talked to XXXX  5 times including managers and they state there is no human that can read the uploaded documents and adjust my credit report. The bottom line is I paid the balance in full on XX/XX/XXXX and closed the account a few weeks later. XXXX  has all the documents and refuses to help. They won't even let me speak to a manager today, literally hung up on me 3 times. I really need help, this debt is hurting my credit. Thank you.
Consumer complaint received 2019-02-19
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)

This is my second written request for the removal or block of information that does not belong to me, my identity has been stolen and accounts had been open in my name, I have try to resolve this with credit reporting agencies, I have field a police report ( XXXX Police # XXXX ) an FTC ( XXXX ) report had been filed copies are attached. Please remove this account from my credit file. 

Thank you.
Consumer complaint received 2021-07-20
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. (FL)

on XXXX XXXX i got in contact with trans union wrote a dispute DEMANDING Transunion to REMOVE 1 collection of : XXXX XXXX XXXX of my account that is being reported inaccurately they never responded back, I've disputed these 2 collections with the 2 bureaus XXXX  and XXXX  and they REMOVED them instantly ..TRANSUNION has violated my rights constitutional rights the list below follow : 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ( f ) Certain use or obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( i ) to form a reasonable belief that the user knows the identity of the person to whom the consumer report pertains
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

I am requesting the removal of all Fraud Alerts from my credit report. I am trying to buy a car and I can not access my credit file with the Freeze/Alert on it. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX, SS XXXX
Consumer complaint received 2020-11-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CMRE Financial Services, Inc. (TX)

CMRE FINANCE ... ... ... ... When you've fallen behind on payments and your debt is sent to a collections agency, you can end up with a Derogatory Mark on your credit report. This often causes a pretty big drop in your score. Learn more about accounts in collections. 
CMRE FINANCE I do not know what this is. I keep very close eye on my credit. This dropped my credit by 28 points and still don't know what its for.
Consumer complaint received 2024-02-01
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. (NJ)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Arena Investors, LP (NJ)

XXXX XXXX of SRA collections left a voice message on my work voice mail regarding an alleged debt i owe. XXXX XXXX left a detailed message on a non private voice mail system which my assitant has access to. Im currently away on business trip and she is checking my messages, this is illegal according to the law.
Consumer complaint received 2020-11-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: LendingUSA (MI)

On XX/XX/2020 i sent the company a certified debt validation letter. It was received and signed for on XXXX XXXX, 2020. As of XX/XX/2020 i have not received any response from them.
Consumer complaint received 2020-09-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. ()

XX/XX/XXXX I made the claim for a family inheritance at Citibank NA. After completing all documentation requirements dated XX/XX/XXXX Citibank issued and gave me the legacy fund beneficiary change document. Subsequently for the delivery of the legacy funds Citibank has a bank account in my name for which I provided the respective accesses and I can enter my bank account where the deposit corresponding to the legacy value is. From this bank account I generated my original statement which I currently hold.In addition, I was instructed that in order for me to transfer the legacy funds to my bank, I had to pay the inheritance tax and dated XX/XX/XXXX I received the letter from internal revenue services ( IRS ) without being told the value of the tax I had to pay to comply with U.S. law. I paid this tax for which I sent the receipts to Citibank. After paying the tax and sending the documents to Citibank he told me that because it took me 3 months to pay the tax because it was a large amount my bank account that originally aired me had been frozen and canceled so to move the legacy funds I had 2 options : the first option was to open a new bank account and the second option was for Citibank to send me an international transfer of the funds. I opted for option 2. The bank requested all my personal data which I sent them and dated XX/XX/XXXX made the international transfer for which it sent me the original proof. After 8 days and not receiving my money, I contacted the Bank and was told they were going to find out but I no longer had an answer. on XX/XX/XXXX, I contacted a senior Citibank executive for which I prepared and sent a letter of complaint detailing the above. Citibank 's senior executive moved my complaint letter to the Citibank Executive Unit and on XX/XX/XXXX I was told that they had received my complaint and that I would give them 15 days to conduct the corresponding internal investigations. On XX/XX/XXXX, after the corresponding investigations were carried out by the Citibank Executive Unit, it requested my original bank statements where I requested my bank transfer in order to verify that I have not actually received my money. I sent them my original statements from XX/XX/XXXX to XX/XX/XXXX as well as a copy of the international transfer receipt they sent me. After receiving my information I was asked another 15 days to review the information I sent them. On XX/XX/XXXX, Citibank 's Executive Unit told me that if I wanted to get my money I had to file a complaint with the appropriate authorities.
Consumer complaint received 2020-10-13
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. (IL)

I have submitted multiple complaints and have even gotten the dealership involved at this point. I have read multiple complaints via the XXXX  and I know I'm not the only person XXXX  has taken advantage of recently. One credit agency has seen through XXXX  faulty claims and has corrected my credit file. The other two need to as well or I have no problem getting my lawyer involved. I have previously included multiple documents. I am including what is new at this point. 


I ended my lease early because the dealership wanted my car back. The dealership agreed to pay the amount left on the lease. They didnt do so in a timely manner. Payment was due in XX/XX/2020, the dealership didn't pay it until XX/XX/2020. They DID pay it after numerous attempts on my part. My credit should not have taken such a terrible hit due to their late payment. XXXX has been sent a letter from the dealership themselves stating that this was in NO way, shape or form my responsibility or my fault. I no longer had the car and had signed over everything to the dealership in XXXX. I am including a document that states the dealership was supposed to pay in full what was owed as well as a letter from the dealership stating that it was entirely their fault. 
XXXX also falsely claimed they weren't sending late payments to credit agencies during this Covid 19 pandemic. So even if this were my fault, they have fully taken advantage of covid 19 to hurt a lot of peoples credit. It is a terrible business decision on their part and one that will result in numerous lawsuits.
Consumer complaint received 2020-07-10
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. (DE)

All information XXXX  ( a subsidiary of XXXX XXXX XXXX, also called XXXX ) is reporting to the credit bureaus is inaccurate for the following reasons. ( Each number below is an inaccurate statement given to one or more of the 3 credit reporting agencies. ) 1. DATE OPENED : XX/XX/XXXX - I did not open an account with them on XX/XX/XXXX as I had no relationship with XXXX  ( a subsidiary of XXXX XXXX XXXX, also called XXXX ) prior to XX/XX/XXXX. XXXX XXXX purchased my mortgage from XXXX in XXXX upon XXXX filing for bankruptcy. 
2. DELINQUENCY FIRST REPORTED : XX/XX/XXXX - I could not have been delinquent with XXXX XXXX on XX/XX/XXXX as I had never heard of them or had any obligation to them prior to XX/XX/XXXX. I did, however, make my XX/XX/XXXX mortgage payment in full to my lender at that time, XXXX XXXX. ( XXXX later merged with XXXX. ) ( I have provided proof of payment to all three credit reporting agencies. ) 3. ACCOUNT STATUS : Included in Bankruptcy This account was not even opened during the bankruptcy proceedings in XXXX. Additionally, the bankruptcy documents show that I intended to continue paying my mortgage to the lender at the time, XXXX, which I did. I have never missed a mortgage payment. Not once in the 18 years I have lived in my home. 
4. ACCOUNT CLOSED This account was opened XX/XX/XXXX when I made my first payment to them and I have continued to make my payments on time every month so its actually not closed at all. They simply choose not to report my payments and erroneously state the account is closed as a punitive measure because of the bankruptcy proceedings which did not include them and had no impact on them. 
5. MONTHLY PAYMENT - {$0.00} My monthly payment with XXXX XXXX is currently {$1600.00} which included taxes and escrow. 
6. NO PAYMENT HISTORY This account is open and active since XX/XX/XXXX. I have made every payment on time. 
7. DATE CLOSED : XX/XX/XXXX I did not even begin paying XXXX  until XX/XX/XXXX ( so it couldnt be closed in XXXX ) when they purchased my mortgage from XXXX and I have continued to make my payments on time every month so its actually not closed at all.
Consumer complaint received 2019-06-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

I recently checked my Credit Report and noticed Fidelity Creditor Serv. listed on my report. I do not have any prior business relationships with this company. Please communicate by usps mail only no phone calls. I am requesting that this be deleted from my Credit Report right away.
Consumer complaint received 2017-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OH)

Well they say they working on this it just seems there trying to delay to make me look bad so they can foreclose they know they can make money from property, And yesterday XX/XX/XXXX man went by snapping pictures of home do n't tell me Wells Fargo is up to something!! We did send another payment in XXXX so I know we are only I behind Buts that 's there fault for hiring Idiots who do not listen!!