davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

My name is XXXX XXXX and I am a lifelong resident of XXXX. For the past two decades, I have resided happily in my home located atXXXX XXXX XXXX, XXXX, CA XXXX. Having been in my familys possession since XXXX when the loan was disbursed, this house was previously owned by my parents. The loan was for purchase and a few years back, I was so proud to finally be added to the deed. Payments have been made on this residence for quite some time now. Towards the end of XXXX, I experienced a few hardships. There are a few factors in my situation that negatively affected my ability to remain consistent on the payments for a period of time. Namely, my fixed-income status, my age, and my XXXX. Ultimately, this all coalesced into XXXX becoming the last time I was able to afford my payment. Fast-forward to today, only a few months later, and I am being informed that the mortgage is presently in per-foreclosure status. Despite my attempts to reach out to Wells Fargo for assistance. Despite our worldwide pandemic. Despite my situation. I urge you to hear me out. 

First, lets keep in mind current events, please. I know everyone is aware of what is going on regarding Covid-19, but I feel compelled to point out that it also affects ME as a human being. I am elderly and XXXX, which automatically categorizes me as a high-risk individual. That alone is scary enough to have to deal with. Businesses, companies, and banks like Wells Fargo are out here scrambling around trying not to let this virus negatively affect their stock too bad. I am here trying not to let this virus kill me. I really am doing what I can with what I have. Would Wells Fargo really take my home from underneath me in the midst of this historical crisis? I just want to be safe right now. 

Next, Id like to highlight the lack of assistance Ive received from Wells Fargo upon reaching out for help. Twice previously, I inquired about the options available to me regarding what could be done to relieve a bit of my financial burden in the trying times Ive over the past few years. FIVE people I have talked to so far : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX. I have to keep track of all this because I keep getting the run-around. I get the wrong information and no real aid. I would encourage Wells Fargo to kindly look through their case notes and help clarify in simple terms what can be done for me.
Consumer complaint received 2023-01-28
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX  : # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2021-02-23
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: ALLY FINANCIAL INC. (MA)

ally finacial account number XXXX this account is in dispute because XX/XX/2018 the vehicle was deemed a total loss by means of a tree falling on it. The insurance company settled this debt and the GAP insurance provided the difference. THIS ACCOUNT WAS NEVER LATE. HOWEVER THEY ARE STILL REPORTING ON ALL 3 REPORTS LARE 90 DAYS, 60 DAYS AND 30 DAYS.
Consumer complaint received 2023-01-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2021-05-23
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. (NV)

I reviewed a copy of my credit report and show incorrect information listed. This collection account has been satifed and paid in full. The collector advised that they will remove account. Please delete account due to make all payment successfully. Account name is XXXX ( Original Creditor : XXXX XXXX XXXX ) and account number is XXXX
Consumer complaint received 2018-04-03
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. (CT)

I have a complaint against XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX. I am a victim of Identity Theft and I have a Fraud Affidavit on file with the FTC. I sent in my Fraud Affidavit to Equifax on XX/XX/XXXX. I sent the same Fraud Affidavit to XXXX and XXXX at the same time and they have removed all of the Fraudulent accounts from my credit report but Equifax refuses to do the same. I have done everything they asked me to do. Equifax HAS removed three fraudulent accounts on my credit report, but they continue report the remaining fraudulent accounts on my credit report. Please Help!!
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Multiple inquiries on my Transunion account were done without my consent. I should maybe 3-4 hard hits on it but it shows XXXX!!!! 

I called them and asked for help and they didnt help, they informed me even with proof of incorrect inquiries they wouldnt do anything.
Consumer complaint received 2018-04-03
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Adjusters, LLC (MO)

National Credit Adjusters has called me in attempt to collect a debt for XXXX XXXX. XXXX has not contacted me at all regarding debt. I just started receiving phone calls from National Credit Adjusters on XX/XX/18 stating that I owe ~ {$2900.00}. I have received several phone calls since then. National Credit Adjusters are illegally trying to collect funds from me because they are not licensed in Missouri to collect.
Consumer complaint received 2017-08-04
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Coastal Credit, LLC (PA)

This is regarding COASTAL CREDIT , LLC at XXXX - This account is still being reported to the Credit Bureau ... XXXX & XXXX. This account is closed long ago and still showing on my report. Account opened in 2005 ... .Bureau notified but will not delete this account. All the bureau does is verify the data and keep it on the report. Nothing to verify ... ..Account closed for over 10 years. Please have XXXX & XXXX remove the account - XXXX did comply and removed the account from my report due to the AGE of the account - No more valid or serving a purpose to keep having this on my credit report. This is a violation to continue to report this very old account. Thank you ... ..
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2020-11-12
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: Experian Information Solutions Inc. (OH)

I have gone over my file and I noticed that there were a few errors in file. My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX OH XXXX. My SS XXXX DOB XXXX. Please delete/remove any other address from my file. The following addresses are not mine : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX APTD XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX. I have an unverified account from XXXX XXXX Account # XXXX. Please tell this company to cease and desist all contact with me until I see the documents or some type of contracts and negotiable instrument.
Consumer complaint received 2017-08-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (NC)

XXXX XXXX XXXX first said I owed {$410.00} as my final bill. I called and asked them to adjust the bill to reflect the actual services that I received, as I did not have a contract with them and was not obligated to keep their services or pay for service not received. They were trying to have me pay for service AFTER it was suspended and was no longer being received. They responded by adjusting the bill to {$280.00}. The account was sent to collections in XXXX of 2017, despite several attempts by me between XX/XX/XXXX and XX/XX/XXXX to get an accurate balance so that I could pay the balance. I disagree that the amount was even {$280.00}, as the monthly services were only {$200.00}. On XX/XX/XXXX a statement was printed and sent to me that stated there was no previous balance and showed credits and two write off balance reversals that would leave the account balance at {$45.00}. I paid the {$45.00} to a local office but at that time was given a receipt that had a {$240.00} balance. That balance was not correct as the XX/XX/XXXX statement shows that with the write off balance reversals and credits the only balance that was due was {$45.00}. I called them and they said the account balance was now XXXX but the account is still with collections and appearing on my credit.
Consumer complaint received 2020-11-12
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: EQUIFAX, INC. (OH)

I have gone over my file and I noticed that there were a few errors in file. My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX OH XXXX. My SS XXXX DOB XXXX. Please delete/remove any other address from my file. The following addresses are not mine : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX  XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX. I have an unverified account from XXXX XXXX  Account # XXXX. Please tell this company to cease and desist all contact with me until I see the documents or some type of contracts and negotiable instrument.
Consumer complaint received 2020-11-12
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credence Resource Management, LLC (GA)

CREDENCE RESOURCE MANAGE This company calls me about 4 times a day. After telling them in XXXX to stop calling. The debt they say I owe is not mine and I have stated that to them several times. I want them to stop calling and this debt DELETED FOR MY RECORD/ REPORT
Consumer complaint received 2017-08-04
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: TCF NATIONAL BANK (IL)

Hi my name is XXXX XXXX. I went to the branch were, I have my Checking Account. Had asked the associate that I needed a Cashier Check in the Amount of {$400.00} hundred to cover whatever my husband needed to get a house we supposedly we were going to rent from XXXX XXXX but she scammed us lucky for us she did n't get ahold of the other cashier checks. I Immediately called the bank and reported that I got scammed the following day went to the branch gave them a picture of the cashier bank I thought this situation was fixed but instead I checked my account on XXXX XXXX, 2017 and to my surprise the person changed the check the bank took my funds after I reported immediately that there was no keys no house this person caused us our apartment the bank manager had told me the issue was resolved they were going to put my funds back but instead they took the funds from TCF Bank
Consumer complaint received 2021-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Mailed offer that I was " pre-selected '' to be able to get a credit card with a {$200.00} incentive to open an account. When applied, was refused application due to having too many credit card request despite excellent credit.
Consumer complaint received 2021-02-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (GA)

I got a collection letter from Convergent Outsourcing about a loan from XXXXXXXX XXXX I have never had a relationship with them or ordered anything with this company. I have been a victim of identity theft and many accounts have popped up that are not mine. This is one of them.
Consumer complaint received 2023-01-28
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. (TX)

On ( XX/XX/2022 ) 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 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please FIX the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8900.00}
Consumer complaint received 2021-02-23
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. (MA)

UPLIFT INC. ACCOUT NUMBER XXXX. IS REPORTING ON 1 CREDIT REPORT THAT I WAS LATE XXXX OF XXXX  BY 30 DAYS. THIS IS INCORRECT AND THEY HAVE YET TO REPLY OR FURNISH ANY PROOF THAT I WAS LATE
Consumer complaint received 2018-07-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CA)

I contacted XXXX XXXX which is reporting a collection acct to all XXXX credit bureaus on XX/XX/18 requesting debt validation and also inquiring why multiple companies are attempting to collect on the same debt. After 30 days with no response or acknowledgement I sent a second request for status on my debt validation letter. I still received nothing from XXXX XXXX. On XX/XX/2018 I received a letter from Resurgent Capital with a copy of credit card bills. My FDCPA rights were violated as I did not receive proper/accurate debt validation as well as it was not within the 30 days. I have submitted numerous request to the company as well as the credit bureaus attempting to resolve this issue with no luck.
Consumer complaint received 2023-01-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I received my reinvestigation back from Transunion. They said everything is accurate and complete. I would like to receive the description according to 15 USC 168i ( 7 ). Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is not 100 % accurate. Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : They did not modify or delete the inaccurate information on my consumer report according to 15 USC 168i ( 5 ) ( A ) ( i ). I attached my consumer report as evidence.
Consumer complaint received 2021-04-30
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: U.S. BANCORP (OH)

According to my attached records, on XX/XX/2018, XXXX XXXX  XXXX XXXX placed an inquiry on my XXXX  Credit Report. Then on XX/XX/2018, XXXX XXXX  XXXX, filed a lawsuit on behalf of US Bank, as a debt collector, in violation of the Fair Credit Reporting Act.
Consumer complaint received 2018-04-03
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: JPMORGAN CHASE & CO. (IN)

On XX/XX/XXXX my vehicle was rear ended and claimed a total loss. I received the first payment on the loan three months after initial hit. The driver was not inssured to the level that needed to pay for my car. I halted payment as I had both been paying for GAP insurance as well as had full insurance with my provider. I tried communicating with Chase and halting payment. Really hurt my credit while I waited for payments to be made.
Consumer complaint received 2020-09-17
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. (FL)

On XX/XX/2020 ( XXXX XXXX XXXX ) in XXXX XXXX, FL and XX/XX/2020 ( XXXX XXXX ) in XXXX, FL, I went with my child XXXX ( XXXX XXXX ) and XXXX ( XXXX XXXX ) so they could purchase a car. The intent was for them to do it on their own. However the sales person at each dealership asked if I would consider being a Co-Signer to " increase the chances '' of them getting financed. I was reluctant, but eventually said yes, however I expressed my concern with the negative affect it could have on my Credit. I let both sales men know that I DID NOT want my credit ran several times. Each time, I was assured that there would be minimal impact to my credit as they would only run my credit a few times to determine if I would be able to co-sign if needed. And if the deal does not happen, they will be sure to request to have the Hard Inquires removed from my credit immediately. 
As of this date XX/XX/2020, that has not happened. Each dealership had my credit profile hit more than Several times each. I have 10 inquiry hits from 10 different Lenders that were done by XXXX XXXX. And I have 15 inquiry hits from 15 different Lenders that were done by XXXX XXXX XXXX. That is 25 Hard Inquires that have negatively affected my credit. I am so disappointed by this. Having these Inquires are negatively affecting me in so many different ways. I would like to purchase my very first home and I will not be able to because I am looked upon as a Credit Risk having these Hard Inquires attached to me. I have attempted to reach out to each of the Auto Dealerships. They are refusing to honor what they said they would do. I have expressed to them that this is not fair to the Consumer and it is negatively having an effect on me. But they are not willing to submit a request on my behalf to have them removed from all 3 Credit Bureaus. I spoke to a rep at XXXX and she suggested I file a complaint with the FTC. So here I am. I feel that Auto Dealerships should always honor what they say especially when it comes to impacting a Consumers Credit profile. I feel I was misled and lied to by the Sales Associate at each dealership in order for them to seal the deal. And the fact is, neither of my children purchased a car from either of the dealerships. There has to be some sort of honor and trust when purchasing a vehicle. Even more so when it comes to the financing part. Running a persons credit 15 times is excessive. And wrong.