davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-08
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. (CA)

I disputed and requested to delete or update inaccurate reporting information from Experian on XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, and XX/XX/20 on XXXX acct. ending XXXX, XXXX XXXX XXXX acct. ending XXXX, and XXXX XXXX acct. ending XXXX, with the below statement so that I can verify whether Experian reports are accurate. 

" What does not make sense is the creditors provide all information to all 3 bureaus, but why your reports are different than others. I need to see paperwork or documents that are accurate including details that go over the exact methods and procedures used during your independent investigation, instead of what the creditors say. Unless you can verify the above accounts independently, please delete or update them immediately and mail me your updated reports. '' But Experian replied with their reports on XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, and XX/XX/20 stating the creditors provided information was accurate without providing to me any supporting documents that Experian did in fact verified independently. 

I also attached ID and bank statement so Experian can verify that I directly submit and authorized this complaint against Experian.
Consumer complaint received 2023-05-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I contacted XXXX regarding this issue on more than one occasion. XXXX XXXX also stated that they submitted a letter via electronically.
Consumer complaint received 2023-01-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

Mr. Cooper is supposed to automatically pull our mortgage payment on the XXXX of the month. This has consistently failed to occur, despite receiving emails thanking us for our payment. Weeks later, when the next payment is due, Im notified that I owe double what I should plus late fees. This has happened multiple times. Ive even paid the double month mortgage just to get back on track and the issue comes up again. They are trying to charge me hundreds of dollars for insufficient funds weeks after the money was supposed to have been pulled, when the money was ready to be pulled and dedicated to the mortgage. We have encountered financial difficulties the last 4-5 months and have stayed on top of all bills, all obligations, despite a cut in income. I had a previous mortgage with XXXX and never missed a payment. I got this current mortgage through XXXX and was notified that they sold it to NationStar/Mr. Cooper. This initial period was difficult, too, because of Nation Star and Mr. Cooper and XXXX XXXX XXXX all contacting me as though they were my lender for the mortgage. My family reached out to them to ensure our mortgage was paid and autopay was set up. Despite autopay being set up, it did not pull. So we opted to pay ourselves. This still didnt work, because- again, despite receiving emails thanking us for our payment, the funds werent drawn for weeks. This makes budgeting during financial hardship with a new baby and a XXXX veteran spouse as an XXXX XXXX military mother that much more frustrating. I do not want to continue to watch my credit score plummet and have added stress despite having budgeted for the mortgage payment at a specific time of the month and having those funds available at that point. I do not want to work with this bank, had I had a choice I would not have chosen them. This is horribly frustrating as someone who never misses a payment. I advise anyone who has a choice to pull their funds, switch financial institutions or avoid Mr. Cooper in the first place. Ive called them to address this multiple times over the last few weeks and no good has come of it. Im writing this now after waiting on hold for XXXX minutes, finally getting a representative and explaining my situation, then having them accidentally disconnect the line. Nobody has attempted to call me back and reengage. This is typical. Do not work with Mr. Cooper, protect your money, your health and your family and avoid them at all costs.
Consumer complaint received 2020-07-08
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: AMERICAN EXPRESS COMPANY (MA)

I was shocked when I reviewed my credit report and found late payment on my payment history from your company. 

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 due to this pandemic COVID-19 the world is facing my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-07-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (AZ)

A collection agency called me told me i owed this debt didn't tell me any information except that it was a hospital bill. Got scared and started paying. Learned that they were supposed to send me a letter if i asked and tell me i could dispute, which they never did. Asked the man for a letter. He yelled at me saying if i wanted more information I could ask the hospital. Continued to call frequently. I called and got a supervisor told them what happened. Now i get automated calls at XXXX XXXX every weekday. Constantly from different numbers so i can't block them. The company name is XXXX
Consumer complaint received 2022-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/XXXX I noticed my credit report had dropped from XXXX to XXXX I pulled my XXXX report and noticed a credit card was opened that I was not aware of. I call Chase at that moment and reported it to be fraudulent. I filled a policy report and reported it to all three Credit bureaus. 
I then busted the XXXX, XXXX branch on XX/XX/XXXX and met with XXXX XXXX XXXX ID : XXXX provide him with my drivers license, Social Security card, passport, XXXX for the last XXXX years, birth certificate and utility bills showing my identity. The branch representative told me to fill out a Identity Theft Declaration of Claimant form and list all the account and cards that I did not open and provide a copy of my policy report. 
I faxed all the documents requested to XXXX on XX/XX/XXXX at XXXX. I then mailed everything I had faxed to JPMORGAN Chase Bank XXXX XXXX Department Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 

On XX/XX/XXXX I received a letter from Chase stating Quote : We confirmed that you didnt open this account date of XXXX XX/XX/XXXX. 

On XX/XX/XXXX I received a call from XXXX asking for payment for the credit card. I explain to them that is credit card was open fraudulent that I did not open this credit card and I didnt know why it hadnt been closed already. I was told someone was going to look into it and call me back. 

On XX/XX/XXXX I call Chase Credit card XXXX department asking for a status. I was told that there was no status because someone went into the XXXX, XXXX  XXXX and showed a ID showing that it was me who opened the account. I again explained that it wasnt me and if anything was present it was fraudulent. I asked to speak to a XXXX, I was passed to XXXX Account Supervisor and she asked me to email her everything I had faxed over back on XX/XX/XXXX. So I emailed her the letter I received from Chase stating that I didnt not open this account, The identity theft declaration, policy report and my drivers license. All was faxed to XXXX. XXXX confirm she received the email and that I should be here back from someone in XXXX business days. 

The amount of stress and emotional distress has caused me is ridiculous.
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-12-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX   or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Amsher Collection Services, Inc. (NY)

In accordance with fair credit reporting act XXXX XXXX XXXX XXXXXXXX had violated my rights 15 usc 1681 section 602 state I have the right to privacy 15 usc 1618 sections 604 a section 2 : also state a consumer reporting agency cos further a account without my written instructions 15 usc 1666b : A creditors may not tread a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2022-05-04
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (IN)

I have been adjudicated Incapacitated/incompetent since 2015 and done have the legal capacity or authority to sign any contract or sign into any agreement, and if by chance one was it would be void. Ive given XXXX XXXX all these proofs and documents many times but they refuse to follow proper laws and remove this injustice from my credit file. My next step would be to file a complaint and action with the states attorney general office for damages.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXXXXXX XXXX XXXX inquired on XX/XX/2022. 
The only thing that makes sense is some at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home.
Consumer complaint received 2023-01-30
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: National Credit Adjusters, LLC (GA)

I was checking my credit yesterday XX/XX/2023 because i want to buy a house and noticed erroneous infornmation on my credit profile. below is the information. 

Account Name : XXXX XXXX Account Number : XXXX Amount Owed : {$760.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Amount Owed : {$1000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$600.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$610.00} Account Name : NATIONAL CREDIT ADJU Account Number : XXXX Amount Owed : {$310.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$400.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$220.00} Account Name : XXXX XXXX Account Number : XXXX Amount Owed : {$750.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Owed : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Amount Owed : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount Owed : {$200.00} Account Name : XXXX XXXX Account Number : XXXX Amount Owed : XXXX
Consumer complaint received 2020-07-08
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The account was charged off on the following date : XX/XX/year> Since then the date of last activity has been inconsistently updated to all 3 credit reporting agencies XXXX, TransUnion, and XXXX If the dates are coming from the ORIGINAL CREDITOR the dates should be the same. We can not say these accounts are 100 % accurate, therefore all the accounts are deemed inaccurate. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. 
In accordance with FCRA 15 U.S.C. 1681 Please delete this account from my credit report immediately. 
Accounts Name : XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Deposit at Wells Fargo ATM, XXXX XXXX XXXX XXXX., XXXX, XXXX, on XX/XX/2021, check # XXXX for the amount of XXXX. 
Check was jammed in ATM machine filed a claim with Wells Fargo ATM claims and customer care and the amount has been credited and returned to maker and now has been debited from makers account again on XXXX. 
The funds from maker 's XXXX XXXX account same amount same check number. But never deposited into my account. 
This check has been an on going problem and never gets resolved. 
I had to pay my client back the money now for the original check issued to me from Wells Fargo mistake. Where is the funds now! 
Wells Fargo initially said there was no error but how did the check the first time deposited witch was jammed get returned to maker funds deducted from his account and get credited back to his account and check returned. 
Now months later the same check and amount gets withdrawn from his account again I have all letters and bank statements to support this claim.
Consumer complaint received 2022-05-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: FIRST MIDWEST BANCORP, INC. (KS)

I opened a personal loan with this company in 2017 and have made every single payment on time for the last 5 years because it was set up for auto pay. I ensured that before I left on this XXXX to XXXX that all my finances were on auto-pay so I would have peace if mind in not missing any payment. 

Instead of notifying me about the final payment that was set for auto draft not being auto drafted they instead reported that I failed to make my final payment. This is the 21st century there are multiple means of notifying consumers that there final payment must be paid a certain way because of their own internal policy. I never received an email, phone call, vm, or text message that my final payment was not going to be auto drafted but needed to paid over the phone. 

This type of business practice is immoral and severely disadvantages the consumer. I've made every single payment on time in full and wasn't even given the courteousy to tell me I needed to pay x. There is a potential now because my credit took a XXXX hit that I could lose out on rates for my mortgage which I'm in the process of getting. This needs to stop.
Consumer complaint received 2022-05-04
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. (IL)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX/Equifax/XXXX  was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : Bankruptcy chapter XXXX Reference number : 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 2022-05-04
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  XXXX account XXXX XXXX, XXXX  account XXXX XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX XXXX  # XXXX XXXX has violated my rights XXXX 

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
Consumer complaint received 2022-05-04
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. (NJ)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The Experian/XXXXXXXX  Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : 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 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 2022-05-04
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. (IL)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to ExperianXXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete 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
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

For many months I have been trying to resolve this issue. Experian has violated my right under the XXXX  law and Fair Credit and billing Act. I have never been late and disagreed with the balance on this account XXXX XXXX XXXX {$190.00} Account number XXXX. I have requested full validation for this account and have requested who and what rights they have to collect on this account. I see in my Experian credit report that this account has a charge off and would like to see full information. Also request to see how Experian investigate this account and from where did they purchased my public information as I have opted out of any XXXX party vendors who may have sold my information to Experian without my consent. Please provide the requested information as soon as possible. If Experian can not, I demand this account be removed from my report.