davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

Back in XX/XX/XXXX I was able to negotiate an accepted offer for a new development in XXXX. My real estate broker suggested an attorney to me that I subsequently hired for this deal. In the contract negotiations the lawyer I hired pressured me multiple times to sign the contract while I was out of the country just to lock the deal in. Not allowing my any time to review the details. I signed it when I returned back in mid XXXX XXXX one stipulation of the contract, is that I was supposed to get my mortgage not only with Wells Fargo XXXX but with a specific broker at WF. I had a mortgage contingency in my contract so if my loan did not get approved I would have been able to get out of the deal. I had originally been slated to close in XXXX, then XXXX, with the dates getting constantly pushed back. In this time WF held half my down payment. As XXXX rolled around I realized maybe this deal I had partaken in was unethical as WF was very uncommunicative about the mortgage, the rate I could lock in, the costs etc. I tried thru various ways to get out of the deal and my attorney never once offered me any reassurance or solution. The building received its TCO on XX/XX/XXXX around XXXX as I was told. Setting my closing date for early XXXX. The mortgage broker continued to be evasive about all facets of the mortgage. Multiple times ignoring communication from either myself or my real estate broker. About 2 weeks before the closing WF alerts me because my condo had not sold 50 % of the units I needed to get a different type of mortgage that would go against WFs books I believe not the XXXX XXXX or XXXX   XXXX. I was told this wouldn't affect me or my costs at all. The broker was so unpleasant to deal with. The final numbers were never properly disclosed to me at the closing or in any communications with WF. My escrow was setup incorrectly in my payments and I do believe my income is not anywhere near high enough to even qualify for the mortgage amount of XXXX. I believe the developer and WF had an existing relationship. On some of my loan documents they estimated my costs to be about 4k/month. The building is a new development and my taxes just got reassessed at over 12k/yr.  Bringing my costs to almost 5k/mo. With my current salary and discretionary bonus this eats up well over 80 % of my net pay monthly. I have been trying to find any rationale or resolution with WF but have had no luck so far. I do believe WF fudged some numbers or underestimated my costs to get the loan through underwriting. I question my " ability to replay '' this loan. I barely have enough money to cover just the apartments costs now. One the loan application I had noticed the numbers communicated to me and the ones of the document are not the same and the estimated taxes were about half ( {$540.00} ) of what my realized taxes of ( {$1000.00} ) a month are.
Consumer complaint received 2020-06-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Management Systems Inc. (FL)

XXXX Applied for a renting lease on an XXXX property with XXXX XXXX XXXX and was notified that they needed proof I had paid off a debt from a collection at XXXX XXXX on XXXX  . Contacted XXXX XXXX and also checked XXXX XXXX which both directed me to Southern Management Systems. I called the first time and they said they did not have me on record. After checking XXXX XXXX and confirming the place that had the collection placed on me, I called again. The woman I spoke to told me that I was not on file. 

She refused to give me paperwork stating that I did not have an account with them owing money. She said they would not give me any letterhead with their company name stating I did not owe them money. She refused to connect me to a manager or another person in the building. Upon asking if they were registered in the state of Florida, she cut me off to say that she was " absolutely not going to give me that '' and that she would be disconnecting.
Consumer complaint received 2021-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RMA Credit Association (TX)

This company has added this debt to my credit report after being resolved and removed from my report months ago. This company continuously add on additional amounts when adding this debt on to my report. I have made several attempts at contacting this company and the bureaus to have this removed ( in which it was removed and was placed back again ). This debt is not mine.
Consumer complaint received 2020-07-16
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: Experian Information Solutions Inc. (NC)

In XXXX XX/XX/XXXX, i requested my report from XXXX, XXXX  and Experian. Upon reviewing my reports, i noticed multiple errors and inaccurate information reporting on all three reports. On XX/XX/XXXX, I mailed letters to 2 of the 3 credit reporting agencies, by certified mail ; disputing erroneous items and inaccuracies due to it affecting my life financially and i requested validation of the debts with documentation to prove i am liable for these debts and i also requested that if they could not validate these debts that they delete them from my file. I am unable to receive the help i need due to the negligence of these companies. I received confirmation from both credit reporting companies that my disputes had been received. Experian confirmed receipt on XX/XX/XXXX and XXXX  confirmed receipt on XX/XX/XXXX. I received correspondences from both XXXX  and Experian before the 30 day expiration but it was not of the items i had disputed. They both provided me with a updated report with the same inaccuracies on it. XX/XX/XXXX, i sent another letter to each credit reporting agency certified, letting them know how they failed to investigate my disputed items and provide me with validation of the debt. They took no action at all on either of my disputes. Experian confirmed receipt on XX/XX/XXXX and have yet to respond as my credit report still has them erroneous items on it. And XXXX   confirmed receipt on XX/XX/XXXX and restarted the original investigation giving me another 30 days for me to wait on another investigation due to their negligence. The FCRA does not say credit reporting agencies have 60 plus days to investigate, however it does state that credit reporting agencies have 30 DAYS to investigate erroneous items disputed. IF they are unable to validate the debt during that period of time, the disputed items must be removed or i am able to take legal action and receive up to XXXX per disputed item. I retain all records, and communication with all the credit reporting agencies and am fully prepared to take legal action if this is not corrected.
Consumer complaint received 2023-01-09
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. (NV)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-01-09
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. (NC)

I submitted a claim on XX/XX/2022 and some accounts came back as verified which I know is incorrect. I never gave my permission for this information to be furnished which resulted in my privacy being breached. This is another violation of my consumer rights. 

Pursuant to 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( iii ) In your initial investigation, I was never given the opportunity to deny this information being reported to my consumer report. This is in fact a violation of my consumer rights.

Pursuant to 15 U.S. Code 1681 ( a ) ( b ) Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report. These alleged transactions that your company clearly did not investigate are categorized as unauthorized use of a credit card due to the fact that a person other than myself, the consumer, received a benefit from the extension, or lack thereof, of the use of my credit.

I need your company to furnish a detailed documentary with evidence of public and private communications to see who received the benefit from the use of my credit.

I also need to see a detailed documentary of how the reinvestigation was done and how each account came back as valid and by what means. I need to know exactly who you spoke to with the name and address of each individual. 

If this information can not be provided, I demand each account be removed effective immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PlusFour, Inc (NV)

About 3 weeks ago, I got a credit alert, that I had a collections account on my credit report, then I checked my XXXX  account, and saw that Plus4 Collections, Inc., XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX, was reporting this. I immediately called them to dispute this, and told them, that they never even notified me before putting this on my credit report. Parenthetically, they still haven't given me written notice to this day! They said XXXX XXXX, then I told them the VA payed all my medical bills, because I am XXXX  % XXXX, and that, they too never sent me a bill. Please give me their phone number, I demanded. I don't have that information XXXX said. I hung up, and proceeded to get that information. Calling XXXX XXXX, they confirmed, that all the bills they sent me were returned, because they used the hospitals billing system for my mailing address, even though, EVERY TIME I went for a test, I put my current, CORRECT mailing address on all their paperwork, they failed to change their records, and, because they didn't timely notify the VA of these bills, the VA would not pay, but agreed to write them off. On the XXXX of XXXX, Plus4 Collections, Inc., was notified by XXXX XXXX to end their attempts at collecting this debt, but instead Plus4 Collections, Inc., notified XXXX  that I had filed for bankruptcy, which I have not!! I called Plus4 Collections, IncXXXX, and demanded they remove the lie from my account immediately, but they denied doing it. I filed a dispute with XXXX. I called back Plus4 Collections, Inc., with a representative, XXXX, from XXXX XXXX to have it removed forthwith, but they hung up on us.
Consumer complaint received 2023-01-09
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AE)

In the last couple of months, I have attempted to submit a goodwill request to USAA to remove a couple of late payments that had shown up on my report while I was conducting a mission for the military and I was not at my duty location. I had spoken to at least 7 different customer representatives. After requesting to speak to someone from the office of the CEO, they stated that there bank policy did not support goodwill requests and that they would no longer be able to help me further.
Consumer complaint received 2020-06-24
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. (MD)

Ive filed disputes with all XXXX  XXXX  TransUnion requesting time remove inaccurate info on my credit report and they have failed to do so! Ive submit proof that XXXX XXXX XXXX and XXXX  XXXX  is reporting inaccurate information on my credit report. All there is 13 hard inquiries that needs to be removed due to the fact I never received credit from companies nor applied with companies.
Consumer complaint received 2023-01-09
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. (MI)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus was dated XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against them if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 


XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-
Consumer complaint received 2023-01-09
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-09
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. (GA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-09-16
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. (FL)

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. After multiple disputes Equifax and XXXX Credit bureaus are currently still reporting XXXX XXXX XXXX XXXX XXXX XXXXXXXX a time barred inaccurate account on my report such as multiple inaccurate names and addresses that are not mine, account status shows Last reported date is inaccurate, Date of Last Activity is inaccurate, Date of Last Payment is inaccurate missing data and a Collection/Charge-off reporting a balance. XXXX recently deleted this account based on the lack of ability to properly verify all reported information being accurate. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. Equifax and XXXX are not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion.

Under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. ''
Consumer complaint received 2023-01-09
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: NAVY FEDERAL CREDIT UNION (PA)

Please read attached document. I've endured adverse action and was discriminated against pursuant to Equal Credit Opportunity Act by this financial institution. This financial institution also committed unauthorized use of my credit card ( SSN ) pursuant to Truth-in-Lending Act.
Consumer complaint received 2022-07-17
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. (AZ)

Hello, I sent XXXX, Transunion, and XXXX explaining that the XXXX XXXX XXXX XXXX was a fraudulent account. I sent them an FTC report and a police report. 

All three credit bureaus have failed to uphold the law. The law is very clear and it states the furnisher must block a fraudulent account within 4 business days and notify all creditors
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2022-06-14
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: Fidelity National Information Services, Inc. (FNIS) (TX)

I XXXX XXXX XXXX Filed a complete and Accurate Dispute with XXXX XXXX and XXXX letting these credit agencies know that Im a victim of identity theft and I demanded them to remove all credit inquiries I also demanded XXXX to remove a fraudulent collection from my personal credit report in the amount of {$4400.00} from XXXX XXXX XXXX and all inquiries which are fraudulent which I sign in and demanded a dispute so XXXX are aware Of the Dispute XXXX did not investigate nor did they remove that fraudulent account from my personal credit report After sending in a Filed police report theft affidavit driver license and proof of address XXXX also acknowledge the receipt of my documentation however XXXX did not remove or block that information from appearing on my personal credit report According to 605B after a knowledgeable of documentation those items are supposed to be blocked from appearing on my personal credit report Currently as a XX/XX/2022 The judge ordered XXXX and XXXX to pay me {$1000.00} per violation XXXX is still failing to remove those fraudulent items and collection and anchorries as I stated before now this situation is going into XXXX XXXX XXXX XXXX is still reporting negative and fraudulent information Accounts are : ( 1 ) XXXX XXXX ( 2 ) Possible finance in amount of {$970.00} Also ( 3 ) XXXX XXXX also XXXX is reporting fraudulent and inaccurate late payments From possible finance XXXX & XXXX Funding Also XXXX did not remove XXXX XXXX XXXX. XXXX XXXX from my personal credit report which is fraudulent according to the fair credit reporting section 605B any consumer that identifies identity theft shall demand Credit agencies to remove or block that information from appear on their personal credit report however XXXX and XXXX XXXX to protect my consumer rights Also Chexsystems did not complete a Full investigation banks that are being fraudulently Reported is XXXX XXXX XXXXXXXX XXXX And all inquiries Which XXXX XXXX is already aware of and I have already supplied documentation and FULL COMPLETE dispute