davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XX/XX/2023 Transunion bought sold and reported inaccurate information from a creditor XXXX XXXX XXXX who was reporting inaccurate information of a balance of {$59000.00} from a creditor i have no knowledge of these companies caused me to be in financial distress and emotional distress i was unable to seek housing for months which caused me to be homeless and going house to house with families i couldnt afford the debt i couldnt move foward in life i had to pay for professional credit advice and repair i had to spend too much time tryna resolve this issue that transunion wasnt trying to resolve not only that i was apart of the XXXX breach all this became a setback
Consumer complaint received 2021-03-25
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. (TX)

On XXXX i sent a letter to the bureau regarding Inaccurate accounts being reported to my credit report. It has now been over 45 days that I have not received a response, I feel as though my request has been ignored. In this time of pandemic my credit report is crucial to me regarding that I must use it to feed and shelter my family who are unable to work and provide for themselves in this unfortunate time that Covid-19 has caused. Section 611 ( a ). States 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 45 days so these items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused not only me but my family as well in this time of uncertainty. My information has also been impacted by the equifax data breach which could also been in relevance to these erroneous accounts reporting inaccurate items on my report.
Consumer complaint received 2022-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: EQUIFAX, INC. (NY)

When I first got the XXXX XXXX credit card the XXXX XXXXXXXX app was not the best to use, it was difficult to use, and the payments didn't show up for weeks, It was getting me confused, I always had auto pay on for all my cards and loans, but somehow on XXXX XXXX they accused me of 5 late payments and they closed my account, however, I fully paid the balance and even the late fees that were not my fault, difficult to use the software was the problem, and another problem on the back end of XXXX XXXXXXXX by not sending me statement bills, payment bills, and even auto pay function was not working properly.
Consumer complaint received 2023-08-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NV)

Several of my credit cards, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Wells Fargo XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, have been closed due to fraudulent charges made through my Wells Fargo bank account. Unfortunately, I have not received any reimbursement for these unauthorized charges. Despite my attempts to dispute the fraudulent charges with Wells Fargo 's customer service fraud department, they informed me that the number of charges was too high to handle individually. In response to this situation, I have submitted a police report to document the fraudulent activity to Wells Fargo.. 

The fraudulent activities were ongoing from XXXX to XXXX, causing Wells Fargo to ultimately close my account due to the numerous fraud charges. Consequently, my credit card payments were returned, even though I had made all payments on time during the returned payments. As a result, my credit report has been negatively impacted by this ordeal.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I XXXX XXXX have noticed some accounts on my credit report I have listed supporting documentation below. These are the accounts that need immediate removal XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: National Credit Systems,Inc. (FL)

I am reaching out for what I believe is an invalid debt on my credit report since the court hasn't authorized the debt as valid yet. This eviction was filed last XX/XX/2022 and we're still waiting on the court hearing date. Therefore, it is still an open case. 

Additionally, this was garnered by a habitability issue and I best believe that the case will go in my favor. Please see attached files that support my side. However, I do understand that the case is still open and the outcome has not been determined yet. 

I have reached out multiple times to XXXX, XXXX XXXX XXXX but they wouldn't consider. I have not receive a response from the National Credit System. How were they able to determine that the " Collection '' should be on my credit report when the Eviction case is still ongoing, we don't have a hearing date yet and no judge has ruled or decided on who should be responsible for the said collection. The apartment has inhabitable for months. I have submitted a counterclaim on XXXX XXXX that they actually owe me since I was not able to stay in the apartment that I was renting out because it was inhabitable due to raw sewage seeping through the ceiling. I had to pay for hotel stays, etc. for me to be able to stay in a safe and comfortable place. 

I just dont believe its fair that it is already reflected in my credit report, affecting my credit score when the case is still open and we dont even have a hearing date.
Consumer complaint received 2022-12-19
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. (NC)

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 2023-07-18
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. (FL)

XXXX I XXXX XXXX XXXX SSN # XXXX recently reviewed my credit report and I found unauthorized account on records etc., 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. These are account I want DELETED AN ARE UNAUTHORIZED Has no permissible use and are not accounts that I have had relationships with an are reporting on my credit file without my consent.. 
XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/2021 are all unauthorized an have no Permissible use.

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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person, has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on please validate an delete at once
Consumer complaint received 2023-12-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (FL)

I want to reopen my case which was XXXX XXXX first of all I was never given an opportunity to answer back before they closed my case. I have more than enough proof to show that Im still missing {$100.00}. When I opened up the dispute it was {$230.00}. Yes they did pay me back the XXXX. But XXXX still missing XXXX charges that I will show you in my account that they went ahead and paid those fraud people. that is a total of {$100.00} that is still owed to me. That equals all together {$230.00}. I have no need to lie or be accused of lying. I only want what is mines and what is mines. I work too hard for my money and I will be damned if somebody will take my money from me. They are lying and if I have to go to court, I will go to court and file a lawsuit. I have already spoken to an attorney and they think I have a very good case. XXXX not threatening, but XXXX just saying what I need to say. XXXX XXXX XXXX XXXX. I dont need this kind of harassment and hassle in my life, I will show you the attachments exactly what they owe me. Who are they to choose and pick what they owe me. On XX/XX/XXXX I opened up my dispute with all those charges that equal {$230.00}. They just chose to pay me just {$120.00}. They still owe me the {$100.00} that I will show you that they paid that fraud company or whoever those people were be nice is somebody will give me the opportunity before they close my case. If they would take the time to go into my account, they will see exactly what XXXX talking XXXX have copies of it all. I would appreciate next time if I can have the opportunity of explaining myself before my case is closed. Not always do the company have the correct answer as you can see thank you XXXX XXXX.
Consumer complaint received 2022-12-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

State of Florida, Department of Economic Opportunity ( DEO ), thru The Homeowners Assistance Funds program, ( HAF ) is making my monthly mortgage payments to Caliber Home Loans for next six months. 
State of Florida 's special payments unit in XXXX Florida, assured me several times that monthly payments are being sent on the 1st each month to Caliber Home Loans. 
For some unknown reasons, Caliber Home Loans are not crediting such payments on time, therefore I'm incurring in late fees and they are reporting these payments late, to all three credit bureaus, when actually these payments are made on time. 
These Homeowners Assistance Program is a Federally program to assist homeowners to avoid delinquent payments. 
The Homeowners Assistance Fund ( HAF ) confirmed on several occasions that all payments are in fact sent on the first of each and every month. They have no idea as to why Caliber is not crediting payments on time
Consumer complaint received 2023-12-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Consulting Services, Inc. (CA)

We hired an Architect for support when remodeling our house. We signed an agreement/contract with XXXXXXXX XXXX XXXX XXXX XXXX XXXX  who then placed a new hire, XXXX XXXX XXXX XXXX with us. After a couple months XXXX left XXXX XXXX XXXX and we decided to stop working with them as well. I went into their office on XXXX last day of employment and wrote a check to pay off our account in full. At this point we had only developed a floorplan and elevations and we had hired a new designer and architect to create construction documents and structural plans because of XXXX XXXX XXXX incompetence. We then received a bill for almost $ XXXX which we immediately disputed. XXXX emailed us back several times promising to correct the issue but never did. I continued to email XXXX reminding him to please fix the billing hours that were incorrect, reminding him I paid in full on XXXX last day. We have a signed agreement for the project and have never agreed to this random {$9000.00} bill for additional hours/time. We asked for clarification and correction for months and we were never responded to, despite being told by XXXX that he would handle it. We have all of these emails. We were then sent to collections for these hours that were never approved and never accounted for by any type of work provided. The collection agency was provided our signed contract and the cleared checks but they are still threatening to report us to the credit reporting agencies, which I also feel is not appropriate or legal since there was not any goods delivered, this false bill/claim is for time/hours which cant be verified by any contract and we have been incorrectly billed for.
Consumer complaint received 2022-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

I received partial denial about fraudulent transactions with Amazon ( account # XXXX ). Chase stated that the claim was partially denied because there is a 60 day liability policy which takes effect beginning with the first posted dispute transection. Chase stated that any transaction after XX/XX/2021 is not disputable. Please provide a copy of Deposit Agreement section supporting 60 days requirement as I do not recall receiving the document when I opened the minor 's account. 

I would like to mention again that this is a XXXX XXXX XXXX account. My grandson is in an out of town XXXX XXXX and he did not use his account. He also has limited access to email. The idea of a bank is to guard the money deposited with them. A child with a XXXX XXXX account can not be expected to guard the money and report irregularities! 

My grandson should not be expected to guard the account from fraud. Chase should assume their responsibility for blocking fraud.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EMCC Holdings, LLC (NY)

XXXX ( XXXX ) different companies, XXXX XXXX XXXX, EQUIANT FINANCIAL SERVICES AND XXXX XXXX XXXX  with same Account No. XXXX on the XXXX consumer reports have voilated my right, 15 U.S. Code 1692g failed to respond to request to validate the debt and provide proof of claim within 30 days of notification 15 U.S. Code 1681s2 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. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

15 U.S. Code 1692k - Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; I have written to all three companies for debt validation but none has responded to me despite they were informed to cease and desist all collection reporting activities on my credit report. 
XXXX XXXX XXXX AND XXXX XXXX XXXX still reporting under XXXX different names on XXXX, XXXX and XXXX XXXX report. 

Despite this, XXXX XXXX XXXX, EQUIANT FINANCIAL SERVICES AND XXXX XXXX XXXX  are reporting incorrrect : Date Opened, Balance, High Credit, Last reported, Date Last Active and Payment History.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-07-18
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: Experian Information Solutions Inc. (FL)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 6. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 7. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX FL XXXX 8. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC (NC)

I purchased my home in XXXX of XXXX. Since that time, I have had a very unpleasant experience with Movement Mortgage. When I closed on my home, I agreed to a monthly payment of {$1500.00}. Over the course of the last 18 months, my payment has increased twice. The first time was in XXXX of XXXX. The payment increased to {$1600.00}. It was explained to me that the payment increased due to a negative balance in my escrow account. I recently became aware my payment will increase again in XXXX is XXXX to {$1900.00}. The email I received also stated due to a negative balance in my escrow account. I think it is highly unfair that movement mortgage is able to increase my monthly mortgage payment to over {$400.00} than what I originally agreed to when purchasing my home. I am now in a position where I am unable to pay my monthly mortgage payment. I have called Movement Mortgage several times to discuss what options I have to continue to keep my mortgage payments current. The only solution that representatives have are for me to refinance my home to extend the payment in hopes of dropping me down. I was fortunate to receive an interest rate in XX/XX/XXXX which allowed me to purchase my home. Im afraid if I refinance the mortgage I n hopes of a lower payment, my interest rate will interest which would make it even more difficult to pay my monthly mortgage payment than currently. Movement mortgage claims to give clients a 45 day notice prior to increasing the monthly mortgage payment, but I was giving a 21 day notice.