davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (KY)

my wife recieved a email from our XXXX identity alert that her ssn had been found on dark web for sale. i started to put freezes on both her and my credit. XXXX  was easy. however equifax has for the last 7 days been nothing but a endless loop of answer questions take out a account, which we dont want, and then told call us because we cant help you or verify your idenitity ever though they had ssn, dob, phone numbers and address i even had to go though secondary email varification and still no freeze, i tried twice with so called customer service and first time was hung up on and second time was told to send pictures of myself and my wife to equifax customer service or send all documents by mail. it is clear that equifax has major problems with no intension of correcting them
Consumer complaint received 2016-11-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have previously disputed inquiries on my TransUnion report. They are refusing to remove the inquiries I disputed on CFPB Case number : XXXX. 

When I spoke to the specialist on the phone I inquired what I can do to prevent further inquiries from being done on my credit profile and a security freeze was recommended. I was going to proceed with the security freeze until she informed me that I had to pay {$10.00}. Per the TransUnion website any person who has been a victim of identity theft can have the fee waived. I 've sent several police reports to prove my identity theft and would like for the security freeze to be placed with no charge. 

In addition I would like all the inquiries I have disputed to be deleted or investigated. 

Inquiries disputed are : XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX XXXX - INQUIRY DATE OF - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX
Consumer complaint received 2022-11-07
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. (NJ)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-02-21
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. (DE)

On two occasions I've sent in a FTC Identity Theft report to the 3 major bureaus and have not received any confirmation of receipt or any action. I need this fraudulent account removed to purchase a home and its becoming increasingly frustrating.
Consumer complaint received 2022-02-21
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: EMCC Holdings, LLC (NY)

In XXXX of XXXX, I made my first attempt by calling Equiant Financial Services. I spoke with a representative who initially told me that they do not have an account on file with the information that I gave to them. So then, I went further to inform the representative that I will be recording the call and then to confirm that that the there was a fraudulent erroneous account being reported on my credit report. The representative then place me hold several times until he came back to say, he found an account with my information along with someone else 's. I informed him that any account in my name that I was not aware of should be closed immediately. He refused to close the account. He stated that because it was joint he could not do anything. He then said that I should mail in proof if I chose to dispute the account. I placed a security alert on my Credit Reports since XXXX for 2 years and renewed it again this year. I tried mailing Equiant Financial Services a dispute letter to dispute the account and amount owed displaying on my credit report. The address that is showing on my report is invalid and non-existent. The letter was returned by the Post Office stating it is an invalid address and the back appeared to be opened and resealed. The address showing from my credit report for Equiant Financial Services is different from what XXXX is showing their address to be. Inaccurate information. My second attempt I wrote CFPB in XXXX XXXX and they wrote me back to submit my complaint online. I have since have no way of contacting this company by mail. This is against FCRA regulations. Any inaccurate and fraudulent accounts being reported on my credit report and that have been reported within 30 days and there has been no proof that this account belongs to me, the account should have been closed and removed from my report. Please follow-up for me and inform me of your findings.
Consumer complaint received 2020-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (WA)

In 2014 my wife and I had begun filing for bankruptcy but cancelled the filing when we found we were able to settle our debts without doing so. A recent credit inquiry shows this bankruptcy as dismissed but we never completed the filing or followed through with it. We have tried disputing this information with the credit bureaus but the reporting is still showing on our credit profiles.
Consumer complaint received 2016-04-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX issued a line of Credit for $ XXXX {$680.00} on XXXX/XXXX/XXXX and was closed back on XXXX XXXX and again listed and closed under my XXXX Chapter XXXX Bankruptcy.
Consumer complaint received 2022-11-21
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: EQUIFAX, INC. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 item/accounts/information below : ( item/accounts/information ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-02
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

In accordance with the fair reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 also states that consumer reporting agencies can not furnish an account with my written instructions. Under 15 USCs 166B creditor may not treat a payment on a credit card account under an open account as late for any purpose. All creditors have been contacted no action has been taken. 

Accounts : Capital One - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-08-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Transunion reports that my account balance increased by {$11000.00} due to a student loan with XXXX. I have always had that loan, so it should not have been reported as a new debt. They knocked my credit score down by XXXX points. They should have not done that.
Consumer complaint received 2017-01-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hello, I just noticed on my credit report about a tax lien. I never had a tax lien. My ex-husband did not pay his taxes. I have proof from the IRS that I did not have a tax lien. I want this information removed from my credit report as soon as possible. 
Thank you
Consumer complaint received 2016-10-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (NJ)

Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2022-02-21
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ALLY FINANCIAL INC. (MA)

Since XX/XX/ 2021, Ally restricted my account and will not allow me to make online payments, due to the account dispute documents they've received from me. As a result, I haven not been able to make payments and in turn ALLY has been reporting late payments on my credit files. 

Note that this account has been in dispute since XX/XX/2021 and according to 12 CFR 1026.13 ( d ), I have the right to withhold payments until dispute is resolve and ALLY may not report adverse information to the credit agencies during dispute. Even so, throughout this process I have been more than willing to make payments.

By ALLY denying me the right to make online payments and instead demanding that I send them payments via certified funds they are in violation of 12 CFR 1026.10, which states that " a creditor may specify REASONABLE requirements for payments that enable most consumers to make conforming payments ''. A conforming payment is a payment method that the creditor promotes, which in the case of ALLY is making payment online by debit card, by phone, or via automatic payments. With that said, ALLY 's payment demand is unreasonable and has caused me undue hardship.

Attached you'll find : Ally Statement with payment options ; Ally Letters stating they were/are restricting my account ; Screenshot of Ally online portal showing account restriction
Consumer complaint received 2020-01-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC (TX)

On XX/XX/2018, I placed a furniture order for 2 King Bed Sets, 2 Dressers, 2 Mirror & Nightstands, a Queen Bed w/ Mattress Set & 2 King Mattress Set from XXXX XXXX in XXXX XXXX Texas off the XXXX XXXX. The Salesperson " XXXX  '' told me that we should receive the complete order the week of XX/XX/2018. The following week passed by ... I received the 2 King Bed FRAMES with matching dressers, mirrors & nightstands but NOT the Queen bed frame, mattress set or dresser. I then followed up with " XXXX  '' asking about the status of my remaining order. He then told me the remaining items were on back order and he was waiting on the order to arrive at the store. Two weeks past by AGAIN and still no furniture. At this point, we're 3-4 weeks in and my daughter doesn't have a mattress or bed to sleep on when she arrives from College for the XXXX holiday. 

After continuous calls to XXXX XXXX, talking to XXXX and not receiving my remaining furniture from them, I called to cancel the remaining furniture. I immediately went to XXXX XXXX XXXX, ordered the Furniture & received financing from XXXX XXXX for the remaining furniture since my credit account was tied up with Affordable Furniture. I was advised, until my dispute with XXXX XXXX XXXX were resolved, I did not have access to my credit line. 

I disputed the amounts with both XXXX XXXX ACIMA because I didn't know the TRUE charge amount on either account. Due to my disputes, the merchant ( XXXX XXXX ) falsely submitted TWO DIFFERENT invoices to XXXX & ACIMA. One invoice ( Not originally given to me ) was submitted with NO ITEMIZED AMOUNTS in the description BUT listed the amounts charged to XXXX ( {$2800.00} ) + ACIMA ( {$2400.00} ) and the second invoice listed the itemized amounts [ prices ] to the side of the items ... .including scratching out the items that I NEVER RECEIVED/WERE CANCELED. I NEVER RECEIVED THE 2ND INVOICE! ... but it was submitted to XXXX  like this! As a result, the XXXX account dispute was confirmed and awarded to the merchant! : /!!! However, the items that were scratched out is what I was charged for by ACIMA. I continued disputing the amount with ACIMA but after a few months of going back & forth, ACIMA closed the dispute, awarding the merchant ... even though I didn't receive the items ... which were scratched out on the invoice.

I refused to pay for items I never received. ACIMA is currently reporting this account on my credit  reports negatively as a Charge Off Collection Account.
Consumer complaint received 2020-01-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC (OH)

I took a mortgage with Sterns Lending in XX/XX/XXXX for a condo in Florida. At the time of closing the state official who processed the closing documents notified me that my mortgage seems to have been sold already. The person at Sterns that I dealt with denied it. The next month I received a notice that XXXX XXXX was collecting my mortgage payment and I was given address to send payments. Since then I have been given a new address to send payments with no explanation. Upon calling XXXX to find out what was happening with my mortgage and to ask them if they owned or were selling my mortgage they told me my mortgage wasn't ever owned by them that they were only a collection agency. They told me my mortgage was owned by a company called XXXX XXXX XXXX - a name I have never heard of before. I have no information from or about XXXX XXXX XXXX and no way to contact them. It is now mid XX/XX/XXXX and I have no idea who I have a mortgage with or who to pay. I have two different XXXX locations telling me to pay them. According to my research I should be notified if my mortgage is sold. Further, looking on line I see that Sterns ( original mortgage agent ) is in bankruptcy, but when I call the agent there he claims nothing is wrong and the he still has control of the mortgage.
Consumer complaint received 2016-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In XX/XX/XXXX a false tax return was filed as a joint return in my name and someone elses i followed all procedures for reporting identity theft with all federal and local authorities. There is numerous false delinquent debts listed on all XXXX of my credit reports i did previously contact one of the credit agencies nothing was fixed. In XX/XX/XXXX i received another attempt of id theft allegedly the IRS stopped it the thief was found and convicted yet nothing has been fixed on my credit reports preventing me from loans a house and several jobs. All documents supporting my case are available as public information from the federal case against the convicted individual who stole my identity
Consumer complaint received 2022-11-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

On XX/XX/XXXX I XXXX XXXX XXXX Navient ( XXXX of my student loan servicers ) to obtain their phone number so I could call and conduct some business. After getting what appeared to be a legitimate phone number for Navient, I called and a woman/representative answered ; she seemed legitimate, and the name given was " XXXX XXXX XXXX '' from XXXXXXXX XXXX  XXXX XXXX She had knowledge of my XXXX XXXX XXXX and was asking if I needed to consolidate the XXXX loans into XXXX, and to make lower payments. The representative said she could consolidate the loans and lower my monthly payment for a XXXX time enrollment fee of {$590.00}. I told her I couldn't pay today ( XX/XX/XXXX ), but that I could pay in a week ( XX/XX/XXXX ). I proceeded to give her my debit card information, last XXXX digits of my social security number, parents name/number. 
Fast forward to today, XX/XX/XXXX and I just received a text message from XXXX XXXX XXXX XXXX saying the {$590.00} XXXX agreed to pay is going to " drafted '' from account on XX/XX/XXXX. It includes another bogus telephone contact number. 

Please help. 
Thanks!
Consumer complaint received 2022-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

My servicing company is Select Portfolio Servicing, inc, account number XXXX. 
I have requested that they setup an escrow account for my delinquent taxes that arose due to Covid-19 and my recent Chronic XXXX XXXX diagnosis. My request was denied with not concrete explanation. Other mortgage companies have made exceptions for individuals impacted by Covid-19 and these people are disrespecting the impact the virus is having on people. I am XXXX months ahead on my mortgage and my credit score is in the mid XXXX. So in my opinion a denial is unwarranted. 
I am requesting a full investigation into their unlawful practices since they dont do things right and this has been my experience throughout my tenure with them. For example when I overpaid they returned the money rather than applying it to my account. Now they refuse to provide assistance to those impacted by a pandemic. 
This is a horrible business practice and I beg you to investigate their uncooperative practices. 

Additionally, I will be contacting the Attorney Generals Office. I can be reached at XXXX if you need additional clarification. 

Best Regards. 
XXXX XXXX
Consumer complaint received 2015-04-28
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: CHECK INTO CASH INC. (CA)

I applied for a title loan in XX/XX/2014. It was not clearly explained to me that you are paying off mainly interest, very little would go toward the loan princiable. For example I pay XXXX only {$10.00} would be applied toward the principal, the rest would go to interest. No matter how you pay unless you pay the loan off in huge amounts there is no way you can catch up the interest. Now I am struggling to keep up and have fallen late on the loan. When I make a payment it all goes to interest and none is applied toward the princiable. I talked with the regional director for the XXXX California Check into cash to try and work this situation out and have been threaten with losing my vehicle. I have paid approximately XXXX dollars in interest alone. That is more then I borrowed. I have done all I can to pay this loan back and have come to realize that unless I pay it all at once I will not be able to end this cycle. This company targets people who have credit problems and misleads them to believe they are helping. It is only after you have fallen into there trap that you realize it.
Consumer complaint received 2020-01-13
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC. (WI)

Starting in XX/XX/XXXX, Navient had my name attached to someone else 's social security number ( 1 digit off ). Her credit information was mixed in with my credit report with the credit bureaus. After several communication, filing an identity theft affadavit, etc. it was supposedly resolved. However, each year, they continue to harrass me and now PCR , Inc. ( Pioneer Credit Recovery , Inc. ) has continued to send me threatening pieces of mail stating I have to pay or they will garnish my wages, etc. 
Today, at XXXX XXXX CST, they contacted my neighbor and left a message for them to contact me to call them back. I am humiliated and outraged at this! I've called them repeatedly, the last time was XX/XX/XXXX when they sent me another letter using Ref Num XXXX, Creditor XXXX, Principal {$82000.00}, Interest Amount {$9300.00}, Interest Rate 6.62 %, Collection Charge {$11000.00} AND Ref Num XXXX, Creditor XXXX, Principal {$72000.00}, Interest Amount {$8000.00}, Interest Rate $ 6.62 %, and Collection Charge {$9600.00}. 
I am beyond frustrated that they have been allowed to harass me for 3 continuous years. I've taken all steps they requested to permanently remove my name, address, and any other information about me to this lady 's bad debt and now, they are starting up again. This is very upsetting and I fear they will contact my employer and create problems for me in my workplace when this has absolutely nothing to do with me AND they know this! 
PLEASE help me. I am at my wit 's end and am emotionally upset.
Consumer complaint received 2016-10-24
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

The following is a letter sent to Wells Fargo Bank NA. It involve an erroneous report to the IRS by the bank. 

XX/XX/XXXX WELLS FARGO BANK N.A . 
XXXX XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern : I am in receipt of a Notice of Deficiency Increase in Tax ... from the Internal Revenue Service. The increase in tax is based on a XXXX filing by Wells Fargo on XX/XX/XXXX claiming I received the benefit of a debt cancellation in the amount of {$8100.00}. 

I have NEVER had a debt owed to Wells Fargo Bank. I have not, to my memory, ever had an account with Wells Fargo Bank. 

The account information you provided to IRS is : XXXX SSN XXXX I am requesting that you rescind the aforementioned XXXX to IRS immediately to avoid any further harassment for a debt I never made. 


Sincerely, XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Tel : XXXX XXXX XXXX XXXXXXXXXXXX Cc Internal Revenue Service Citizen 's Financial Protection Bureau