davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-17
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. (TX)

I have a Public Record on my credit report for a bankruptcy that dies not belong to me. US BKPT CT TX XXXX XXXX. I contacted the court about this public record and they told me that they do not send anything to the credit bureaus. I then contacted XXXX, they sent me a letter that I attached that they can not find a file record under my name, full social, address and date of birth. I have attached a copy of the letter from XXXX. Please remove this item off my credit report as XXXX  and XXXX  has now removed this from their files as it does not belong to me please.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-15
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUIDANCE RESIDENTIAL, LLC (CA)

Around XX/XX/XXXX, I thought I have finished submitting all documents needed for my refinancing request. 

My interest rate right now is XXXX. 

My loan officer informed me that the process wouldnt be as exhaustive as the initial one. 
When I first submitted my first request to purchase a house for the first time in my life, I was making about XXXX. XXXX XXXX and XXXX XXXX dollars net a month. They were the sum of my social security income and a state pension. 

I was approved, so I thought now that I am working as a XXXX  XXXX  making about XXXX XXXX dollars a month would make my refinancing request even easier. 

My credit score at the time of my request was XXXX. 

On XX/XX/XXXX, I received a message from Guidance residential, notifying me that my application has been conditionally approved. 

I started communicating with my loan officer XXXX . 

XXXX XXXX, whom I told that I am not pleased with the company asking for more documents. He informed me to Waite. On XX/XX/XXXX he requested some clarification regarding a specific credit card which has about XXXX in balance. 
I submitted what he requested. 

However on XX/XX/XXXX, he informed me per a phone conversation that the company determined that I have not been working for two years and my debt is too much and unless I pay the whole card off, my request wont be approved!. 

I tried to explain to XXXX XXXX that when I first applied for a mortgage through their company I wasnt working with this security company and they know that, so it doesnt make sense to base a denial decision on it, and also my credit score is good, I have never missed a payment to them or to any of my credit cards. 

But that wouldnt change their mind. Then I requested some information that shows the laws and legal procedures regarding this issue and the criteria by which a denial or approval can be determined, so that I can see where are my shortcomings. 

In response to my request, XXXX XXXX, emailed me some thing that say to the effect that its mandatory to work more than 12 months so its not two years as he informed me. 

I asked XXXX XXXX if I work until I pass the 12 months required, would I be able to apply again. 

He didnt answer my email nor my phone message.
Consumer complaint received 2022-09-21
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. (MO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX  XXXX Balance : {$23000.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance XXXX {$700.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 



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Consumer complaint received 2020-11-17
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)

Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (TX)

This information is not being reported to the Credit Bureaus properly. This account is paid in full, but on my credit report, it shows I still have a balance. Attached is a receipt of my payment. Please correct this ASAP.
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (CA)

I have this account for the past 7 years and have never missed a payment. I am XXXX years old and have to be ultra careful. During that period of time I notified US bank of the corona virus and there had to have been some reason why they did not do anything to answer my letter explaining my situation. Never heard back from them!!!!! 

In addition, my current address is not correct. It should be : XXXX XXXX XXXX, XXXX XXXX, Ca. XXXX  XXXX. The address on file is absent the XXXX ... ... ... ... ... ... 

My understanding was there policy during the CV that they will take into consideration the period of time in the early months of this year ... ... ... ... ... ... ... ... .. 

I am asking them to eliminate the late fee 's and to remove the late payments from my credit report
Consumer complaint received 2024-12-02
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (OR)

I received a " notice of guide to benefits updates '' dated XX/XX/XXXX and another dated XX/XX/XXXX. This guide was confusing, and led me to believe my XXXX rewards XXXX had the perk of up to {$100.00} global entry or XXXX precheck application fee statement credit. I specifically went out and applied for XXXX XXXX, and put the application fee on my XXXX  Credit card, and waited for my statement credit. After not receiving the credit I reviewed the 2 guides and saw that Wellsfargo included multiple different credit cards on this notice. Several benefits don't apply to my card, I didn't understand why Wellfargo would send me 2 notices with benefits that don't apply to my account. I filled a complaint with Wellsfargo on XX/XX/XXXX I spoke with XXXX who forwarded on the case # XXXX to the executive office for reimbursement. I received a response from XXXX XXXX, and escalations representative declining my request for reimbursement. That case number is XXXX. I would like my {$85.00} back. I tried to call and speak to the escalation office, and was on hold for over XXXX minutes trying to speak to someone.
Consumer complaint received 2021-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (AL)

A few years ago, an individual stole my personal information and opened several accounts using my personal information and it has ruined my credit. I have explained to XXXX XXXX XXXX and SYNCHRONY BANK, that I did not apply for the credit card nor did I make any purchases totaling {$860.00}. I was requested to make monthly payments while SYNCHRONY BANK investigated my claim. Then with out notice, I had multiple calls at all hours of the day, from XXXX XXXX XXXX, a collection agency, telling me that I needed to either make one payment of {$470.00} or set up a payment plan. The company made it seem as if they didnt care that my identity was stolen and this was a fraudulent purchase and account, or that I had filed a police report and the individual was arrested. Fast forward from XXXX to XXXX this account has been reopened and is back on my credit report.
Consumer complaint received 2020-11-17
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: Nationwide Recovery Systems, Ltd (LA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. They failed to comply with FCRA 611 ( a ) ( 7 ) within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statute NATIONWIDE RECOVERY SY XXXX Date Opened XX/XX/2020 Balance {$1400.00}
Consumer complaint received 2024-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC (TX)

Our Mortgage payment with XXXXXXXX XXXXXXXX and transfers with out out permission to Roundpoint mortgage services..Roundpoint says we have a Mortgage balance {$9300.00}. We request where we missed payment after flagstar bank did modification .No answers. Now we paid {$9200.00} extra payment. On Our previous complaint Roundpoint reply wrong informations.reply and attachments are not for our request.we paid XX/XX/XXXX XXXX payment still asking XXXX payment again balance .we request personal appointment to show documents and explanation and Denied.
Consumer complaint received 2020-11-17
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (OH)

I had a collections from XXXX XXXX on my report. I disputed and Experian deleted the acccount. Then the debt collector sold my account too another collector and Experian will not delete the account even though they did before. I have shown them proof of what they did before and they won't change it back.
Consumer complaint received 2020-11-17
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: Experian Information Solutions Inc. (TX)

To Whom It May Concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #.

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : XXXX XXXX XXXX XXXXThis is a fraudulent account. I have attached an ID Theft Report. XXXX XXXX XXXX XXXX. This Account does not belong to me. XXXX XXXX XXXX XXXX, This Account does not belong to me. XXXX XXXX. This Account does not belong to me. XXXX XXXXXXXX XXXX XXXX. This Account does not belong to me. Public Record US BKPT CT TX XXXX XXXX I contacted the court about this public record and they told me that they do not send anything to the credit bureaus. I then contacted XXXX, they debt me a letter that I attached that they can not find a file record under my name, full social, address and date of birth. I have attached a copy of the letter from XXXX. 
INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : XXXX XXXX  XXXX XX/XX/2020 and XXXX XXXX XXXX XXXX XXXX XX/XX/2020 REMOVE INCORRECT ADDRESS INFORMATION I am disputing the following Address information that is showing for me which is incorrect : XXXX XXXX XXXX # XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX CT XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 

MY CURRENT ADDRESS IS XXXX XXXX XXXX XXXX, TX XXXX I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results
Consumer complaint received 2020-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NJ)

On or about XX/XX/2020 I initiated a credit balance transfer to be issued by wire to my bank due to overpayment. 

On XX/XX/2020, I was notified in clear terms that the wire transfer would be completed. Wire transfers take hours, not days. 

On XX/XX/2020 I initiated contact with amex through multiple channels and spent a cumulative total of over 2 hours across two days in unsuccessful attempts to get the funds due to me on this account which total {$7100.00}. 

I've received different answers from multiple different reps as to both the cause as well as when I'd receive the funds. 

AMEX is holding almost {$7200.00} of my money at this time without permission and after clearly articulating that the wire transfer was going to be completed more than one week ago. 

If this continues through the close of this week, a small claims suit will follow.
Consumer complaint received 2020-11-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NJ)

Total Balance Due on the Account was {$32.00} ( XXXX XXXX  and XXXX XXXX ) as of Saturday ( XX/XX/XXXX ). ACH Payment made by phone for the exact amount ( {$32.00} ) on Saturday ( XX/XX/XXXX ). Confirmation # XXXX - which should have XXXX ( {$0.00} ) balanced the account. 

The Creditor refused to recognize the payment as on-time based on various cut-off times listed on the back of the statement. The account has steadily accrued interest and late fees to The Balance Due is now {$300.00} and is displayed as a negative CHARGE-OFF item on my credit reports ( specifically XXXX  ). After conferring with the creditor by phone and by documentation, they refused to recognize my on-time payment. After making several attempts with the Creditor to resolve this issue, I requested ( by phone and by letter ) that the account be closed out on XX/XX/XXXX. 

I would respectfully like to request the following : 1 ) The Late Payments be removed from my credit report for the following months : XXXX thru XX/XX/XXXX. 
2 ) The Charge-Offs be removed from my credit report for the following months : XXXX and XX/XX/XXXX. 

Note that I was referred to your Agency by the XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-09-12
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. (MN)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been a battle going through this and I am submitting this complaint to delete the fraudulent account in my file that are reporting on Equifax Credit Bureau. I am a victim of identity theft and did not make the charge or the account. I ask that the account be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged account below showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/2013 Balance {$0.00}
Consumer complaint received 2020-11-17
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. (SC)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 31 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 31 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the wrong hands of the wrong person.
Consumer complaint received 2020-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 31 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 31 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the wrong hands of the wrong person.
Consumer complaint received 2020-11-17
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. (SC)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 31 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 31 days so they should be deleted promptly. I demand these accounts be deleted 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 wrong hands of the wrong person.
Consumer complaint received 2020-09-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Toyota Financial Service received a check paying off the loan completely on XX/XX/XXXX ( It was traded in the first week of XXXX XXXX. Payoff check was delivered through XXXX XXXX   tracking # XXXX. The check was received by XXXX  @ XXXX on XX/XX/XXXX. 
Although the check was received Toyota has not processed the payment and I have received multiple harassing collections calls. Even after explaining to each representative that has called that the car payment has been sent and received and being promised that the account will be updated to reflect the payment and no more collection calls will be made, my account continues to show past due and I continue to get harassing, rude collection calls and it is now XX/XX/XXXX. The last rep I spoke to her name is XXXX # XXXX.
Consumer complaint received 2020-11-17
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

Failure to XXXX. They failed to comply with FCRA 611 ( a ) ( 7 ) within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor.