davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-20
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. (OK)

I was a victim of Idenity theft, I filed a dispute letter with XXXX, XXXX, Experian with all three credit bureaus blocking fraudulent accounts off my credit report due to Identity Theft. My Due process rights were, has been violated by Experian where they failed, put the fraudulently account by discover credit card company back on my credit report. In accordance with The Fair Credit Reporting Act XXXX  account # XXXX has violated my rights per 15 USC 1681c-2 605 block information resulting from Identity Theft, 15 USC 1681 section 602 a States I have the right to privacy and 15 USC 1681 section 604 a section 2 also States a consumer reporting agency can not furnish a account without written instructions. Neither XXXX or XXXX put the fraudulent accounts back on my consumer Credit file. I submitted all documented evidence that substantiated my claim of identity theft but it fell on XXXX  ears by experience.
Consumer complaint received 2023-01-20
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)

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.
Consumer complaint received 2023-01-20
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. (FL)

My name is XXXX 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 2023-01-20
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. (NC)

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying XXXX using a XXXX party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2023-01-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Carter-Young, Inc. (GA)

I have finally been able to pay off my debt this XXXX in XXXX due to a new job but on XX/XX/XXXX of XXXX I received an aggressive and threatening response from XXXX with XXXX XXXX XXXX when I contacted the company about the debt they stated I owed. I was previously being able to consistently pay the company but I no longer had the funds to do so. I stated to XXXX that I will be unable to pay my debt due to having no income ( as I was job searching ) and not enough saved money to pay towards the bill. In response XXXX yelled, screamed at me that " THIS IS STUPID, YOU'RE STUPID FOR NOT PAYING ON THIS BILL. ITS ALMOST PAID JUST PAY IT '' To which I responded that I understood that the bill is almost paid, however, I can not because I literally do not have the funds to do so. She did not like this answer and repeated decided to be derogatory with me then threatened that they will report this to my credit report if I don't pay them! I explained again that if I had the funds I could pay, but I infact did not have enough funds to allocate funds. I even stated that setting up an even lower payment plan will not work because I still would not be able to pay it with XXXX income, as I was still job searching. Regardless of what I explained XXXX from XXXX XXXX continuously berated me. As of today XX/XX/XXXX I noticed they have now switched my loan officer suddenly to XXXX XXXX. I have also been harassed with non stop calls each month from her as well about debt from XXXX XXXX. They have also GREATLY negatively impacted my XXXX XXXX as they threatened.
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Not sure if year, was attempting to refinance loan, time was unusually long, several months. I continued to supply requested paperwork. On a Friday, close to end if business I was contacted to send duplicate papers to them by XXXX or my home was going off to be auctioned the following day. I had informed them I had sub.itted their requested paper several times which i informed I had confirmed reports if fax transmittals. I have does and times. On top of me being at work and not having access til after XXXX when I got home. I was basically told too bad, if we don't have it you loose your home. I did. I couldn't understand, I pleaded, why auction my home when I'm attempting to refinance.
Consumer complaint received 2020-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (NY)

Account Number:XXXX On XX/XX/2020 I was advised by Santander customer service specialist to pay off the settlement in full for this charged-off Santander auto loan Account Number:XXXX and it will be removed from my credit report from all three credit bureaus agencies. 

I have sent three rounds of dispute correspondence to XXXX, XXXX, and XXXX  requesting to have this Account Number:XXXX Santander account blocked and deleted since I was told to pay the settlement amount in full and in return it will removed from my credit report.
Consumer complaint received 2023-01-20
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. (NV)

Medical account that was initially disputed as paid with but ultimately written off by the original facility & sold to a collection agency that is reporting it on all 3 credit bureau accounts in the amount of {$130.00} by collections agency ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX I have no contract with this agency regarding this debt {$130.00} medical ( which was previously paid ) & additionally it was disputed with the 3 credit that medical debit under {$500.00} should no longer be reported ( as of 2023 )
Consumer complaint received 2020-02-10
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. (AR)

I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items from my credit report. 

XXXX  XXXX XXXX {$180.00} XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$790.00} BANKRUPTCY CHAPTER 7-DISMISSED XXXX {$0.00}
Consumer complaint received 2023-01-20
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. (IL)

I'm not using any third party for this matter and represent myself by myself. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. My personal information was compromised, so as a result I got hard inquires on my report that I never authorized, I have not signed or applied to any of these creditors or companies who posted hard inquires on my report. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file : XXXX XX/XX/202XXXX XXXX XXXX XXXX XX/XX/2022 these items above should be removed from my report immediately. Please note : I have included in this package a copy of my driver license, copy of proof of address, copy of my SSN, FTC report
Consumer complaint received 2023-01-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (TN)

Original loan was Wachovia later was then Wells Fargo. I attempted to tell them payments were made via XXXX XXXX. Vehicle was repossessed illegally.I had to drive to XXXX to get vehicle back. My credit was adversely affected for years. In XXXX the vehicle sat inoperable ( I had put them on notice where it was as they sued for possession in XXXX XXXX XXXX ). No communication even as I became a widow and was financially devastated. I did receive a small cashiers w no explanation in XXXX. My credit is still trashed. Also had a small balance taken by Wells wo notice. The suit should in public records and needs removed.
Consumer complaint received 2023-01-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MUTUAL OF OMAHA MORTGAGE, LLC (IL)

I made a complaint last year in XXXX. Loan number ( XXXX ) against mutual of Omaha. I withdrew the complaint because the Lender said that he would get the loan approved even though it was not at the time. After withdrawing the complaint, I never heard back from Mutual of Omaha! I was told by them that I would be able to skip 2 payments! that was not true! I was told they would guarantee I get approved that was not true. so, I have enclosed all email interactions with this company for proof of deception.
Consumer complaint received 2023-01-20
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. (CA)

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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any 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 Balance {$0.00}
Consumer complaint received 2023-01-20
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: Monterey Financial Services LLC (TN)

XX/XX/XXXX I submitted police report of identity thief and my government ID to XXXX 's fraud department and spoke with XXXX rep to remove a fraudulent transaction that was placed on my credit report. I notified them that I spoke to the company Monterey Collection in XXXX and let them know I've never done business with this company and that I am a victim of identity thief and to provide documentation of who open account in my name. I've never received anything from the company. Beginning of this month I went to the police percent to report identity thief. As of XX/XX/XXXX I've spoken with 2 Representatives and 1 Supervisor at XXXX who hang up in my face as I was tell them by law they are to remove the fraudulent collection MONTEREY COLLECTION XXXX amount {$5300.00} by FCRA 605B ( 15 U.S.C. 1681c-2 ) not later than 4 business days after the date of receipt by such agency to remove item. Before the supervisor hang up on me she was telling me the police report need to be sign by police office and that it was missing a page I stated to her this report is digital and they have all 4 pages and that the last page has the reporting officer and supervisor names and employee identification number. Shortly, after the disconnect I contact the police department and their record department assured me that attached police report is the whole report and it was sign digitally.
Consumer complaint received 2020-11-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (FL)

I sold a oriental antique rug 10x12 on XXXX. The gentleman was sending the rug as a gift to his cousin, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, Ohio XXXX. He was known as XXXX, Phone # XXXX. He offered me : {$14000.00} for the rug plus {$600.00} for a {$500.00} gift card and {$10.00} for handling. I went out and got the {$500.00} gift card. He wanted me to scratch the back of the card and take photos of the front and back and send the pictures to XXXX. So, I did that and got a pending funds alert saying " Hello, XXXX XXXX XXXX '' XXXX XXXX send you {$15000.00} USD, Payment still on pending. You have a pending fund of {$15000.00} USD from your buyer XXXX XXXX. We would like to inform you again that the payment sent from XXXX XXXX not reflected in you PayPal account due o our terms and policy to confirm the XXXX  Gift card of {$500.00} with the receipt and back codes from you so that we would be able to credit your PayPal Account because your money was place on pending by us for security reason. 
Status of Pending Funds : 95 %, Details of Transaction : Transaction id : XXXX, Transaction Amount : {$15000.00} USD, Case # : XXXX. Special Note : This payment will appear in the Activity section of you PayPal immediately you send us the pictures of the XXXX Gift Card of {$500.00} with the receipts pt and Back Codes from you so as to verify it on our XXXX and release the fund into your PayPal account immediately. We are truly sorry for the inconvenience we may have caused you. We are doing this in order to protect the buyer and the seller for a smooth transactions. 
I bought a XXXX Gift Card and put {$500.00} on it. They later also wanted me to get a {$200.00} XXXX gift card. When I saw that, I used the XXXX Gift Card for gas. There was {$500.00} on the card. But after I purchased {$14.00} of gas. It said there was a Rem Bal : {$290.00}. I only took {$14.00} off the card. Someone charged {$190.00} on the card. Maybe it was the people at the XXXX. If this service has my money, why aren't they putting my money in my XXXX paypal account? Am I being scammed. They guy that I was texting back and forth at XXXX is in the XXXX and it happened on XXXX, XXXX XXXX. So, was I being scammed. I got a message from XXXX saying XXXX made me an offer which I accepted. He sent me money. The amount we agreed on was {$15000.00}. He used a paypal service : XXXX. I believe I jumped through the hoops. Now, where's my money. I haven't sent out the item.
Consumer complaint received 2023-01-20
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. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts XXXX XXXX XXXX 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 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

I have made XXXX  principal payments on my current mortgage at fifth third and the full amount was not taken off the mortgage. I have tried to resolve this with the institution but they are giving me the run around. 
I have called XXXX XXXX XXXX XXXXXX/XX/2022 to make sure my extra payment of {$1800.00} was made on XXXX XXXX. It was not applied! 
No action was taken by Fifth Third
Consumer complaint received 2023-01-20
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. (IN)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and discard these immediately in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-20
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. (CA)

I have loan with XXXX XXXX XXXX XXXX XXXX XXXX  I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections XXXX & XXXX of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-20
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX Balance : {$690.00}
Consumer complaint received 2023-01-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

Ive called multiple time in regard to my fraud claims in the total amount of {$5500.00} on XX/XX/22. I have not received and communication for this claims for over 30 day. In XXXX I received my statement stating the {$5500.00} was reversed back to my balance without any explanation or how the investigation was conducted. I called back on XX/XX/22 to see why it was reversed, the representative stated it was because I have not completed a form that was sent out there for the claim was closed. I explained to the repersentative that I have not received and form or document in the mail and ask to reopen the claim. The representative also advised me to keep an eye out for the form that will be sent in the mail for them to complete this fraud claim. Ive have called them multiple time in the month of XXXX to check the statues of my claim and the reason by {$5500.00} is not temporary adjusted in order for me to make my monthly payment. No one in the investigation department and give me an answer and now I have late fee and other charges to my account.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (FL)

When I have my account with Wells Fargo there was loans taken out on my account that I didn't authorize on Wells Fargo was like they can do anything so I had an outset and balance and I close my account