davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

We having been paying our mortgage for years, and the balance hasn't come down. We recently notice that all payments hasn't been applied. Calling and writing hasn't gotten their attention. Who can help? My company is Wells Fargo. Please email answers to XXXX XXXX
Consumer complaint received 2021-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2018 my bill did not go through BANK OF AMERICA - account with 1 missed payment. I am kindly requesting BANK OF AMERICA to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2019-08-12
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. (PA)

I'm having a problem removing fraudulent information from my credit profile, that is recorded with XXXX, XXXX, and transition. I was XXXX in ferderal for seven years and some used my information please have it all removed. XXXX XXXX XXXX XXXX XXXX, acct # XXXX, address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX , acct # XXXX, address : XXXX XXXX  XXXX XXXX, XXXX , VA XXXX. And there are about 5 inquiries on my report that arr fruadulent. Proof of my release and copy of ID with correct a dress is attached to this document.
Consumer complaint received 2020-11-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Volvo Car Financial Services U.S., LLC (FL)

In XX/XX/XXXX I leased a Volvo XXXX from XXXX XXXX XXXX. When I signed the lease I asked to move my XXXX plate XXXX from my old car to the leased car and it was done. The plate that was on the leased car was XXXX plate XXXX. 
In XX/XX/XXXX I moved to XXXX and changed the registration on the leased car to a XXXX plate. 
Volvo car financial services ( VCFS ) kept getting the bills from the town of XXXX XXXX for XXXX plate XXXX. In XX/XX/XXXX VCFS started sending me bills for the excise tax that they received from the town of XXXX for XXXX plate XXXX. 
I never leased a car with plate XXXX XXXX and I didn't own a car in XXXX since XX/XX/XXXX so I don't see why I have to pay for a plate I did't own in a state I wasn't leaving in since XX/XX/XXXX. 
I paid VCFS for XX/XX/XXXX of the XXXX bill since I lived 7 months in XXXX in XXXX. 
I would like VCFS to stop sending me bills for the mistakes they made.
Consumer complaint received 2019-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (IL)

Bank admitted to reversing my direct payment to three of my creditor for three months causing my payments to be recorded as three months past due. Because of their error my credit score has gone down drastically and they closed my account causing my direct deposit from my pension to be late which Inturn cause a snowball effect that impossible for me to recover since Im on fixed income. They are now asking me for money for the error and windfall they created by claiming unauthorized claim to reverse my monthly contract payment.
Consumer complaint received 2022-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

this was not sent in error i am a consumer by law and my informaton was misused and now i have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.
Consumer complaint received 2022-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

this was not sent in error i am a consumer by law and my informaton was misused and now i have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.
Consumer complaint received 2022-04-02
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: Experian Information Solutions Inc. (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2020-11-21
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. (WY)

In XX/XX/XXXX, Experian accepted an unvalidated debt from a company called XXXX XXXX XXXX. The debt was discharged in my chapter XXXX bankruptcy in XX/XX/XXXX. After a dispute I filed in XX/XX/XXXX, Experian removed it from my credit report. 60 days later in XX/XX/XXXX, XXXX XXXX reported it to all three credit agencies again. XXXX and XXXX removed it immediately due to past investigation. For a second time, Experian allowed it. I disputed it again. Experian just concluded that investigation. They did not remove it this time and did not provide me with a reason. This has caused me severe problems with my credit. I have a nearly perfect score with 2/3 of the credit agencies. I can't understand why Experian has reinserted a unvalidated deb that was removed 60 days before. I work for a bank, and this issue may effect my continued employment. The mortgage company will not answer my inquiries. Both companies have my discharge on record with specifics on debts that were included. The debt in question is highlighted in the judgement over 10 years ago I will add. Can you please help me
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MI)

I was denied an extension of credit and was provided information that sagestream was the responsible party for the denial. I then proceeded to file a claim against them with the Consumer Financial Protection Bureau. I never gave them consent to contact me, I never gave them consent to use my information, and I never contracted with them. They, also being lexus nexus, stated in a letter they sent me just recently, without my consent to do so, that they could not verify my information because the context of what I was asking for was not in their database and that I did not give enough information for them to work with. They then proceeded to ask for all my information. I will not be providing them with anything seeing as how I never contracted with them, yet they sem to have enough information about me to be worthy to deny me an extension of credit. How can they contact me stating they don't have my information? XXXX  .how did they get my address? How can they being a determining factor in an extension of credit if they admit they don't have my information?
Consumer complaint received 2022-04-02
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: Experian Information Solutions Inc. (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XX/XX/2020 ) ( XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XX/XX/2020 ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2023-03-29
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. (CA)

I reviewed my Consumer Reports and noticed that I had accounts included in bankruptcy. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. the accounts must be fixed for their erroneous status : XXXX XXXX XXXX  Balance : {$0.00} CXXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I requested a debt validation on XX/XX/XXXX on a credit account by the name of XXXX ( XXXX XXXX XXXX ) with a balance of {$9900.00}. At the time this account was showing as closed with a last payment date of XX/XX/XXXX. A completed investigation was produced on on XX/XX/XXXX stating the account would be deleted as it was unverifiable. In XXXX of XXXX, this account was added back to all XXXX of my credit bureaus as an open account beginning XXXX of XXXX. The balance had increased to {$18000.00}, and has been reporting as an open account with a delinquent account status since XXXX of XXXX since then i completed multiple disputes in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX of XXXX requesting the the documentation including the original contract including all account billing history to prove this was my account and to validate the balance. i have still received nothing and my credit has suffered tremendously because of this account and has prevented me from financial growth.
Consumer complaint received 2022-01-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: South Mississippi Collection Services Inc. (MS)

This medical collection is a result of fraud and XXXX has failed to block/delete this collection for the credit file within four business days of receiving the FTC identity theft report. XXXX has also failed to show proof that this medical collection is legitimate. Please see the attached documents.
Consumer complaint received 2021-07-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

Hello, I am writing you because I have a huge problem. 

I have for the past 6 months been disputing inaccurate items on my credit report. XXXX  and Equifax has neglected to respond to me and provide me the proof. Although they have continued to send me emails and tell me these accounts is validated. I have continued to ask them for validation and to this day I still have not received anything. It has been at least 60 days since I have first asked for proof of debt from both companies for the following accounts 1.XXXX ( XXXX ) - Unable to provide proof of debt within a reasonable amount of time. 

2.XXXX ( XXXX ) - Unable to provide proof of debt within a reasonable amount of time. 

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

I started my dispute process XX/XX/2021. 

My last disputes which were sent in on XX/XX/2021 which would be my fourth round of disputing these fraudulent disputes. I am deeply hurt because this is affecting my chances of getting approved for a mortgage. Please help. 

I would like both of these companies to remove these erroneous and fraudulent accounts from my credit report. 
.
Consumer complaint received 2021-02-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have victim of fraud from these company XXXX XXXX  # XXXX .... 
XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX BANK OF AMERICA # XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (PA)

I thought I paid off my amount on a credit card back in XXXX. I never recieved any mail stating I still owed for this card. I got a letter from a debt collector and they are stating I owe {$660.00} from the closed account. I never knew this account was closed or still had a balance. I checked the amount and on XXXX, XXXX XXXX and the account states that I owe {$660.00}. I do not understand where they are getting the extra 33 cents and I mailed a letter to dispute it as well.
Consumer complaint received 2023-03-29
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. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$4200.00}, XXXX XXXX XXXXXXXX Balance : {$29000.00}
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I DO NOT consent to any automated scan response or e- Oscar verification methods. 

I notice there is a very serious error in reporting. I reached out to all three credit bureaus XXXX, XXXX, and Equifax to dispute incorrect and invalidated reports provided by XXXX XXXX XXXX XXXX. All 3 returned as validated but provide no evidence after a re-investigation. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 

There are many months missing data. There are also multiple charge offs for the same account. The account showed positive status after charge and then many incorrect negative statuses followed by more charge offs. This is impossible Specifically on the Equifax report, I Don't recognize account ending in XXXX on the report. 

All Bureaus continue to report missing, incomplete and inaccurate data reported monthly. There are several months missing whole data and information. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I requested your credit bureau to initiate an investigation and to validate this information. This information was not validated. This information has greatly impacted my ability to qualify for other opportunities and I have been denied opportunities.
Consumer complaint received 2022-04-02
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: Experian Information Solutions Inc. (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX XXXX XXXXXX/XX/2020 ) ( XXXX XXXX XXXX XX/XX/2020 ) XXXX XXXX XXXXXX/XX/2020 ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2022-03-30
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX ran an unauthorized Hard Credit Check, today ( XXXX ). 
I contacted them, since I was not even at their facility -- luckily I have credit monitoring. 
But they have still not removed the Hard Check. 
Please help. 

Thanks, XXXX XXXX
Consumer complaint received 2021-02-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

I received a letter from Pioneer/XXXXXXXX  about a delinquent school loan that was owned by XXXX. 

I recently reached out to XXXX about 2 loans that are being reported on my credit report. 

These loans are being reported as late/delinquent as of XX/XX/XXXX in the amount of {$28000.00} and {$36000.00} with a loan open date of XX/XX/XXXX. 

I received a call from XXXX @ XXXX XXXX on XX/XX/XXXX at XXXX. XXXX stated they received my request for debt validation and proof of legal ownership to collect on a debt. 
XXXX informed me that they only keep statements/documents for up to a year and at this time they dont have any statements or paperwork to send me. 

XXXX informed me that I do not owe them anything and my account has been transferred to Pioneer/XXXX as of XX/XX/XXXX. I informed XXXX that XXXX is still reporting on my credit as of XX/XX/XXXX. XXXX stated that XXXX is no longer reporting and to send him a copy of my Credit Report. I informed him I provided XXXX a copy on my last CFPB complaint. XXXX stated XXXX credit department will handle that and there is no one I could be transferred to in that Department. 

Going back to Pioneer I recently received a letter stating they are trying to collect on a delinquent student loan debt. Pioneer mailed this letter to a old address in XXXX Michigan. The letter contained no Date. The letter stated they are trying to collect on a debt on the Full amount of {$130000.00}. I have no idea why I owe this debt. 
I sent Pioneer a debt validation letter on XX/XX/XXXX informing them I am requesting a detailed statement of this debt and interest I owe a legal standing to collect this debt by showing me : 1. Your lawful authority to collect without my consent or 2. A copy of the original contract between myself and the original creditor where I agreed to the assignment of the debt ; with my ink signature. 

I am very confused to why XXXX is reporting one debt to the Credit bureaus when they informed me they dont have any paperwork to why I owe them a debt but then they are able to validate with the Credit bureaus that I owe them a debt they dont own. 

I believe that XXXX has sold/given my information to Pioneer since they couldnt supply a validation of debt. Pioneer has stated calling me to collect on a delinquent debt that I know nothing about. No one want to provide me with any correct information. 

I am unable to find suitable employment because of this credit blemish. I am unable to obtain credit because of this credit blemish.
Consumer complaint received 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX  is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2021-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC (AR)

I scheduled a payment on XX/XX/2021 to be processed on XX/XX/2021. I cancelled the payment but Continental Finance deducted it out of my bank account on XX/XX/2021. I have called on XX/XX/2021 to inquire as to why it was deducted if it was cancelled. The representative I spoke with said that they would have to verify it on a 3 way call to my bank that it was in fact deducted. I could not do that due to the bank being closed. So I called back on XX/XX/2021 and the representative did a 3 way call and was able to verify that it had been deducted. She asked me if I wanted my money refunded since I had canceled it or if I wanted it credited to my account. I told her that I wanted it credited to my XXXX account instead of my bank account. She sent an email to Client Services on XX/XX/2021 and told me it took 24 hours for it to update. I checked my account today XX/XX/2021 and it still has not been credited to my XXXX  account. Therefore, I called and spoke to customer service again and now they are telling me it takes 48 to 72 business hours instead of days. I think that is absolutely ridiculous and have never heard of anything like that.