davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

on XX/XX/2021 addresses has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting incorrect is XXXX XXXX XXXX XXXX  XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX these addresses are undeliverable by the US Postal Service AND SHOULD BE DELETED/REMOVED IMMEDIATLEY to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of addresses that are reporting are not deliverable by us postal service and has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it. 
XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC. (IL)

Text message received : # XXXX ; Two ( 2 ) lnstances of Fake ACTlVITY has made your, ONLlNE RATlNG ( XXXX XXXX ) ; FlX immdiateIy : XXXX STOP to end Phone number attached : XXXX
Consumer complaint received 2023-01-29
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: EQUIFAX, INC. (CO)

On ( XXXX  ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-07
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: WELLS FARGO & COMPANY (CA)

My social security number isn't showing up on my credit report. Mine ends in XXXX. 
XXXX that ends in XXXX shows up. 
Bank loans, auto loans, mortgage loan, property in XXXX XXXX CA, a name XXXX XXXX, my ex Sister in law, a XXXX  XXXX I can't even access it because I can't answer the questions
Consumer complaint received 2023-02-06
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. (NV)

These accounts and inquires have been opened without my knowledge and consent and I want them removed immediately. 

XXXX XXXX {$440.00} XXXX XXXX {$7000.00} XXXXXXXX XXXX XXXXXXXX {$1300.00} INQUIRY XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (PA)

CREDIT ACCEPTANCE CORP IS REPORTING A ALLEGED ACCOUNT THAT I DO NOT RECALL NOR RECOGNIZE AS A RESULT I BELIEVE THIS ITEM MAY BE A RESULT OF IDENTITY THEFT AND I AM TAKING THIS STEP TO REMOVE THIS POTENTIALLY FRAUDULENT ITEMS FROM MY CREDIT REPORT..
Consumer complaint received 2021-04-27
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. (CA)

XXXX XXXX is reporting two accounts in my credit profile under an authorized user. Let me be clear I have never held a XXXX XXXX card for XXXX nor XXXX  much less having one in my credit report. 

Those cards that are on my profile are affecting my utilization % and this is not ok. 

Please verify and remove such accounts from the credit bureaus as soon as possible. 

I attached a copy of my XXXX  report, however, I have confirmed the existence of these accounts with XXXX  and Equifax.
Consumer complaint received 2020-09-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc. (NY)

There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a auto lease debt from GM Financial. I cant say this more emphatically, I have never had a GM Financial account in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP.
Consumer complaint received 2021-11-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : 1. PORTFOLIO RC XXXX Opened : XX/XX/2016 Balance Owed : {$130.00} ; 2. PORTFOLIO XXXX Opened : XX/XX/2016 Balance Owed : {$130.00} ; 3. PORTFOLIO RC XXXX Opened : XX/XX/2016 Balance Owed : {$77.00} ; 4. PORTFOLIO XXXX Opened : XX/XX/2016 Balance Owed : {$77.00} ;
Consumer complaint received 2020-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (MN)

i was unable to view my account for my card online there was a prompt saying that unauthorized purchases needed to be reviewed for some kind of fraud issue. i called in and i was told that i needed to use docu sign to authorize to have my tax papers reviewed to confirm my identity. I was misled and there was no fraud. I was also told with the current pandemic this could take weeks and my card may or may not allow for purchases. I advised this is not the best time to do this as the world is experiencing a pandemic and stopping a card at this time could hurt a customer financially. I am not sure what other customers are going through this, but this shouldn't be allowed during a time like this. Something needs to be done.
Consumer complaint received 2020-09-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (LA)

I paid them TONS OF MONEY TONS! OVER THE YRS AND IN XXXX ARE XXXX I PAID XXXX TO KEEP MY HOME FROM SHERIFF SALE I DID A MOD AND MY NOTE IS HIGH AS EVER!!! 
AND THEY ARE TELLING ME I HAVE TO XXXX A MONTH FOR TAXES AND INS WHICH IS XXXX A YR AND MY HOME INDLS IS XXXX A YR AND MY TAXES ARE XXXX A YR! SO EXPLAIN THAT
Consumer complaint received 2024-01-23
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (IL)

My federal student loans were forgiven by Mohela in XX/XX/XXXX. I waited 90 days for my credit report to show that the loans were paid in full and in good standing but as of XX/XX/XXXX, they still show a balance.
Consumer complaint received 2023-01-29
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. (NC)

My credit report is still showing a negative account with XXXX XXXX. ( Account # XXXX ) As previously stated to the credit bureau XXXX I've never had any accounts, loans, credit cards, etc. with XXXX XXXX. I have disputed this information with the credit bureau and their response has been " it's been verified '' but they refuse to give me the details on how they " verified '' it. To make matters worse, they're now telling me they will not do another investigation and it is my responsibility to reach out to XXXX XXXX to resolve this matter. I have reached out to XXXX XXXX asking them for proof that this account belongs to me, but I have yet to receive a response from them. If the credit bureau has verified this account belongs to me, I would like for them to send me proof that it is mine, not just saying " it's been verified. '' If they can't provide me proof that I'm the owner of this negative account, then I would like for the credit bureau to delete it.
Consumer complaint received 2021-09-15
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: EQUIFAX, INC. (GA)

I've sent a dispute letter over 30 days ago asking each bureau to investigate inaccurate reporting. I sent the following disputes for each account on XX/XX/2021. ( U.S. Department of Education ) ( XXXX XXXX ). Failure to remove these accounts have hurt my credit. According to section 617 civil liability for negligence noncompliance is any person who is negligence in failing to comply with any requirements imposed under this title with respect to any consumer is liable to the consumer in an amount to the sum of any actual damages sustain by the consumer as a result of failure to comply. It has been over 30 days and also I've ask for all supporting documents verfiying this alleged debt which was given each bureau 15 days to send supported documents which they have failed to do so.
Consumer complaint received 2023-01-29
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. (MI)

In accordance with the fair credit reporting ( XXXX XXXX ) Account Number ( # XXXX ) has violated my rights. This creditor 's account is not mines and I never had a account with this creditor so remove.
Consumer complaint received 2020-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I called Chase executive office 6 times today- can not get through. Never hot {$130.00} credit from XXXX XXXX XXXX  and {$340.00} charge is false triple.
Consumer complaint received 2020-09-22
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. (TN)

Collection Agency is reporting on my credit and it is not reporting correctly information I asked for a validation and I can not seem to get that I've asked that it be corrected the dates the original account does not showing you where it has all new dates all of that is incorrect if you ask for a validation then they should have to give you one and they have yet to do so nor have they fixed it incorrect information nor does it have the original dates on there the report that the block it is new to where it messes with my credit worse
Consumer complaint received 2020-09-22
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. (TN)

Collection Agency is reporting on my credit and it is not reporting correctly information I asked for a validation and I can not seem to get that I've asked that it be corrected the dates the original account does not showing you where it has all new dates all of that is incorrect if you ask for a validation then they should have to give you one and they have yet to do so nor have they fixed it incorrect information nor does it have the original dates on there the report that the block it is new to where it messes with my credit worse
Consumer complaint received 2023-03-22
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. (AL)

On XX/XX/XXXX XXXX removed an account XXXX XXXX XXXX XXXX  when XXXX discovered during their investigation that XXXX XXXX had reported inaccurate information. This information has caused me to be denied for new credit. I was notified by XXXX and XXXX that the account had been removed due to inaccurate reporting by all agencies. On XX/XX/XXXX, I was noticed once again only by XXXX that my account had been updated to a charge off account. This caused my score to drop XXXXXXXX The information is inaccurate and was deleted three days prior. I am in the process of buying a new vehicle and this has hurt my chances of getting a good rate. Please delete the XXXX XXXX Account from all agencies. I have sent letters with proof of these inaccuracies to all three credit bureaus. XXXX and XXXX deleted at first. XXXX is not re reporting inaccurate details. Experian is reporting incorrect information.
Consumer complaint received 2017-08-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Byrider Franchising, LLC (NC)

On XXXX XXXX, XXXX the vehicle was returned to JD Byrider ( CNAC ) due to losing my employment and not able to keep up with the payments. The company then sold the vehicle and stated they will send me information on what was left and due. I emailed XXXX XXXX on several occasions from XX/XX/XXXX - XX/XX/XXXX requesting documentation with no response. I sent a letter back in XX/XX/XXXX requesting, contract, bill of sale, and additional information and it was ignored. I sent another letter in XX/XX/XXXX & XX/XX/XXXX requesting the same information and it was ignored. As of today, XX/XX/XXXX, I spoke with a XXXX at CNAC who basically told me that there 's nothing they could do. I would have to pay {$9000.00} in which that was the original amount of the loan. And I should learn how to pay my bills. I requested documentation and was told that they did not have to respond or give me anything as I am NOT a customer of there establishment. If they will not provide the original contract, bill of sale for when they sold the vehicle then why I am being held liable. They are reporting this a charge off to my credit DAILY but wo n't do anything to resolve the issue.
Consumer complaint received 2020-09-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Security National Financial Corp (CA)

I was 2 business day from closing on an investment property when this mortgage company finally discovered that the investor/ owner ratio was high and they decided to change my down payment percentage from 20 % to 30 % which was unacceptable. The problem is that they ordered an appraisal that cost me {$650.00} and I had to spend another {$350.00} on other costs before they ever ordered the condo review from the HOA. Had they ordered the condo review from the very start ( which I believe is standard procedure ) this deal would have ended before either myself or the seller had incurred any of these costs.
Consumer complaint received 2023-01-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

I was scammed into an 'authorized push payment ' I explained this to my bank but I was ignored. 

I purchased a service from someone online for {$5000.00} on XX/XX/XXXX through a swift money transfer with my bank ( Wells Fargo ) and I did not get the service I payed for, I was blocked from all communication with this person after I asked for a refund. 

I made a claim for 'fraud/scammed ' with my bank and I was never contacted back about the status of my claim. I had to call them back numerous times in XXXX of XXXX to find out about the status of my claim and they kept giving me the run around putting me on hold for long periods of time transferring me from department to department giving me several different case numbers for my claim saying they don't handle these types of claims I was even hung up on. 

Finally I managed to speak to someone and they said they are not able to refund me the money even after I explained to them that I was scammed.
Consumer complaint received 2023-03-22
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. (IL)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate : and ( in ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 
Someone needs to hold them accountable for this
Consumer complaint received 2017-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I came to US in first time my life on XX/XX/XXXX arrived through XXXX XXXX XXXX, XXXX. Stayed three Days then moved to XXXX XXXX, XXXX. 
On XX/XX/XXXX hired at XXXX XXXX XXXX after that I tried to open an account with XXXX XXXX Bank but they informed me there was someone with same social security number already with a bank account but with different second name is XXXX XXXX XXXX, and my name XXXX XXXX XXXX XXXX. 
I received latter from Social Security Administration on XX/XX/XXXX as I had worked : 1- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Employer ID : XXXX worked from XXXX - XXXX 2- XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Employer ID : XXXX. Worked XX/XX/XXXX, but I came US inXX/XX/XXXX. 
In XX/XX/XXXXI received latter from Trans Union for Initial Fraud Alert.After I requested for Credit Report. 
In XX/XX/XXXX I applied for credit card at XXXX XXXX XXXX then they replayed me not approved.
Consumer complaint received 2022-10-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc. (FL)

I contacted XXXX XXXX Account # XXXX to request documentation to support that this account belongs to me. I asked for the original invoice or statement that was provided to them by their client as a result showing that they debt is in fact mines which they say I owe.
Consumer complaint received 2020-09-22
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Caliber Home Loans, Inc. (MI)

Dear CFPB, Please find my complaint against XXXX who pretends to be a " servicer '' for some non-existing Trust, and the owner of my " debt '' which they " purchased '' from some secretive source which nobody can identify. 

Please also find my complaint against Caliber Home Loan , Inc. a previous Servicer. I demand identification of the party who maintains an asset account consisting of my alleged loan receivable as an asset and who maintains escrow accounts and pay property taxes. 

Since XX/XX/XXXX XXXX refused to provide me ANY information related to their purported ownership of my loan which XXXX purportedly purchased from someone whom nobody cans identify. 

XXXX also pretends to maintain my escrow account where XXXX collects my money to suppose pay taxes and property insurance. 

In fact, XXXX does not pay my taxes and I suspect they do not pay my property insurance as well. 

I went to my local Treasurers office in XXXX XXXX and asked treasurer XXXX XXXX to verify if XXXX paid my taxes. 

Treasurer XXXX did not had any records about XXXX paying my taxes. 

Neither PennyMac or Caliber never provided me ANY receipts of their payments for my taxes and insurance from my escrow account I demand PennyMac and Caliber to provide me copies of ALL receipts for their payments of my property taxes and home insurance, beginning from XX/XX/XXXX to present time. 

Please also provide me the name and contact information if the person who is/was responsible for bookkeeping records and escrow accounts at the Company ( s ) from XXXX XXXX ( at Caliber ) and XXXX time at XXXX.