davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-12
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. (IN)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report.
Consumer complaint received 2020-11-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS) (DE)

I HAVE TRIED NUMEROUS OF TIMES TO GAIN INFORMATION ON A TD ACCOUNT THAT I NEVER OPENDED. THIS ACCOUNT IS STOPPING ME FROM OPENING ANY ACCOUNTS. THIS ACCOUNT IS NOT MINE.
Consumer complaint received 2022-12-08
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: Experian Information Solutions Inc. (OR)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-03
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)

XXXX as well as the number of Auto Inquires. 
The address was incorrect on paperwork. The contract was written on and never emailed the actually contract that was asked for. 
I have all documents and police reports ..... 
This is effecting my 3 Major credit finance companies
Consumer complaint received 2021-10-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2020-11-30
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. (IL)

I have followed the guidelines in disputing incorrect account information on my credit report. The credit bureaus have not responded in a timely fashion, which is against the law. I am now exercising my rights to demand the deletion of the unverified accounts listed in the letter I sent them. This has hurt my ability to obtain credit and need this completed as soon as possible.
Consumer complaint received 2020-11-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (NY)

CFPB already got an answer for this complaint on XX/XX/20 stating the bank will xfer funds from my closed TD acct to my XXXX XXXX bank account. ( initiating bank ) it would take 5-7 biz days. Today is the 7th biz day and my money is not in my acct. They are holding my money illegally!!. can not call them ( wait times are over 1 hour, and they do not answer emails. ) They stated to you that the funds would be transferred and as of today they are not in my acct at XXXX XXXX ending in XXXX its 7 biz days! previous complaint # is XXXX Thank you but they are cheating me. I am owed XXXX!!
Consumer complaint received 2020-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (FL)

To Whom It May Concern, I have over 25 years relationship with Chase. Two PAID Mortgages, credit cards, checking and Savings account. 

Im a full time XXXX XXXX and also have a XXXX XXXX with my son. Due to Covid- 19 XXXX XXXX has been impacted financially and Ive been using my personal money to keep the XXXX  above water. Ive reached out to Chase and requested assistance with 2 of my credit cards. Chase did assist me with the temporary suspension of payments. 

Both of my cards were maxed out and Ive recently paid both down. Chase reduced my credit limit from xxx to. Which now shows Im maxed out ( Highly utilization ) this dropped my credit score tremendously. I called and spoke to Card Services on XX/XX/20 and explain the matter. I was advised they will have to pull my credit to see if I will qualify for credit increase. I applied for a Mortgage with CHASE and was denied mainly due to my score not meeting XXXX FICO  score requirement. I also applied with another bank for a Mortgage and my credit score was much higher than what it is now. This is all caused by the high utilization on my two credit cards, due to the limits being reduced. 
Here is my issue, I had one credit card for years. Ive recently within the year used the credit cards and maxed them out. Im being penalized for the pandemic and I would like my credit limits to go back to where it was. Chase certainly can block me from using the cards. This way, my credit score will increase ( per credit stimulator calculator ) and I can reapply for the Mortgage. Im willing to pay down the balance more. However, Chase may reduce my limit again. I feel my hands are tied and the Bank that I have my entire financial relationship with has treated me unfairly. Im looking to get this matter rectified.
Consumer complaint received 2022-03-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (GA)

I mailed a QWR and a debt validation letter to Shellpoint and they will not respond. 

XX/XX/XXXX They acknowledged receiving a loan modification package from me. 
On or about XX/XX/XXXX I received a phone call from an agent of Shellpoint. he also acknowledge receiving the package and told me I was approved for 2 different modification 1 WITH A BALLOON PAYMENT and 1 without a balloon payment but it was {$9700.00} plus. i ask him to send both and he said he could only send one with the balloon requested He told me they he was send me a loan modification out but instead i received foreclosure letter from there lawyer.
Consumer complaint received 2020-11-30
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: EQUIFAX, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-11-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation (CT)

I have a situation that occurred with Fairway Mortgage, which are located in XXXX, CT. XXXX , their loan officer qualified both of our credit and debt to income ratio for a homestyle loan, he then called back several hours later and stated that he was not able to generate an interest rate for us. I then requested to simply have him do a basic conventional loan, and he then refused to do that even that even though again our credit and debt to income ratios were qualified by him. 


When we requested for them to provide a reason why they were refusing to service our loan request after pulling and qualifying credit, XXXX and his Manager XXXX XXXX refused. They also stated via email that they would not provide neither a denial letter nor place in writing that they weren't able to generate an interest rate for us ... 

We're under the belief that this is retaliation for the review that my wife placed under their company website for the XXXX XXXX which she closed with them in XX/XX/2020. Minutes after placing the review on their website, XXXX XXXX contacted my realtor to request that my wife immediately removed her remarks about Fairways poor communication process throughout her experience, but she refused ... 

Is this something that we can move forward with on a discrimination lawsuit??? It has to be illegal to request all of our documents, and then pull and qualify credit & debt to income ratios, and then literally lie about not being able to generate and interest rate. As well as refuse to provide in writing or even a denial letter!!!!
Consumer complaint received 2021-09-10
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. (GA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-11-18
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. (OH)

On XX/XX/XXXX, I submitted a dispute with Experian about my XXXX  XXXX account that is reporting on my Experian tradelines. I was impacted by the covid-19 pandemic and was instructed by XXXX XXXX to contact the credit bureau to dispute the negative information reported on my account. My account was reported Thirty days late and XXXX/XXXX  agreed to delete the information and for me to dispute the account. 
The dispute was submitted on XX/XX/2020 ; on XX/XX/2020 I received a email stating that the dispute was completed and there was no change. 
Experian did not fairly or accurately investigate my dispute information. 
The error was not fixed on my tradelines.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

All three credit bureaus : XXXX, XXXX, and Experian are reporting a fraud account from XXXX XXXX in the amount of {$1900.00}. This is not my account it is a result of identity theft. I have disputed this fraud account several times with the three credit bureuas.
Consumer complaint received 2021-11-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (FL)

I went to XXXXXXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX to purchase a car. We initially agreed to pay the XXXX XXXXXXXXXXXX XXXX  for XXXX XXXXXXXX XXXX. I gave a XXXX deposit. At the end I ask the dealer for my copies he said he will email them to me and Westlake Financial the bank that s going to finance the car. He never did. When I contacted the bank, their documents were electronically signed by me and I never did sign anything electronically especially when I drove to XXXXXXXX XXXX XXXX myself. Only proof I have is the text messages me and the seller was communicating from. Where they creating fake emails to show that they did send the documents. Once I contacted Westlake Financials they had my correct emails which they get from XXXXXXXX XXXX XXXX. My main issue is with the dealer however Westlake financial had call and email me about a required interview to finalize the loan. When I call the bank somehow they waived that required interview.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX I am writing to dispute fraudulent information on my credit report in accordance with 15 U.S.C. 1681c-2, and to request that this information be blocked. I have attached a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX  ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, when a consumer provides an identity theft report, credit bureaus must block any information identified by the consumer as a result of the identity theft within four business days. 

The following information on my credit report is the result of identity theft and must be blocked : Account | Account Number | Date Opened XXXX XXXX XXXX XXXX XXXXXXXX | XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information must remain blocked for one year, after which I can request an extension. During the blocked period, no fraudulent accounts or inquiries should be reported. 

I have contacted Experian multiple times regarding these fraudulent accounts on my credit report, and no solution has been provided. I am deeply affected as I can not purchase a new home for my children. These collections were removed and unverified by other bureaus, yet Experian continues to insist that these accounts are mine. Therefore, I request all documentation proving this information is accurate. I have requested a response from this company, and after more than 60 days, I have received no response. 

Please assist me in removing these accounts immediately. I am attaching the FTC report, hoping it will help you make a better decision regarding my situation. Thank you. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXX did an investigation to show that the it is fraud. They sent a letter to all the credit bureaus, the other two credit bureaus have deleted this off of my credit. I called Experian and talked to XXXX, yesterday. He was very argumentative and would not allow me to talk to his supervisor until I pushed and pushed and pushed. 
This was disputed on XX/XX/XXXX, and XXXX XXXX sent a letter to me and all the credit bureaus on XX/XX/XXXX. I have uploaded the letter and submitted another dispute. 
I called XXXX XXXX and they told me they " could not help me, because they already did their job. ''
Consumer complaint received 2020-11-30
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: Experian Information Solutions Inc. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have sent numerous requests to this agency asking for their method of verification for bankruptcies on my credit file. The company continues to respond that they are investigating my dispute. This is not a dispute! Im asking for the method used in verifying the information and the name of the furnisher of the information that they are reporting. They have previously stated that the information was provided by the bankruptcy court or XXXX XXXX. I have yet to get a direct answer from this bureau as to how they are verifying the information. I have documentation from the bankruptcy court that they do not supply bankruptcy information to the credit bureaus. Therefore, to say that they verified any information with the bankruptcy court is not true. I also followed up with XXXX XXXX and the information they have is also not matching up with the credit bureau report. I have attached these documents for the credit bureau to review each time. Yet they continue to state they are investigating my dispute. This is NOT a dispute and should not be treated as one. I want the direct method they are using for verification and the name of the direct furnisher of the information because its not the bankruptcy court or XXXX XXXX.
Consumer complaint received 2022-12-19
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. (NY)

My name is XXXX XXXX. I am not a third party. I am making this complaint on my own behalf. I was a victim of identity theft and see all the fraudulent unathorized accounts on my report. I already contact the creditors and got the accounts closed. I also see unauthorized addresses on my report. 

XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX UNAUTHORIZED FRAUDULENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

This company, Portfolio Recovery, is attempting to collect a debt, However, they appear to be doing so from spoofed numbers, which seems to be not just a violation of the Fair Debt Collections Practices Act, but also an FTC violation since they are not calling from their own phone numbers. Sometimes they use numbers from around the country, but they also use a area-code/prefix spoof to try to get me to answer calls from local numbers ( I'm in area code XXXX ). I do have a list of various numbers, and that list will be made below. 

These are the numbers I get contacted from : ( Non-local ) XXXX XXXX XXXX XXXX ( local- area code/prefix spoofing at the bottom XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is just some of the numbers Portfolio Recovery has used to try to contact me.
Consumer complaint received 2020-11-30
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: Experian Information Solutions Inc. (TN)

I am a victim of identity theft. I reviewed my credit report and found the following accounts that I did not open reported on my credit file. I did not open any of the accounts collections agencies are collecting for. XXXX/XXXX  - Balance {$97.00} XXXX  XXXX / XXXX XXXX - Balance {$2200.00} XXXX XXXX XXXX - Balance {$860.00} XXXX XXXX - Balance {$2300.00} XXXX XXXX  - Balance {$2600.00} XXXX XXXX - Balance {$1700.00} XXXX XXXX - Balance {$820.00} XXXX XXXX XXXX - Balance {$790.00} XXXX - Balance {$1200.00} The following addresses on my credit file are not my addresses : XXXX XXXX XXXX XXXX XXXX, TN XXXX I've attached a copy of my state issued ID both front and back as well as a copy of my social security card.
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are 3 accounts reporting on my credit file with incorrect late status. I was never 30 days late on these accounts. I need your assistance in getting this matter rectified. 

There are inaccurate lates on the following accounts : XXXX  - Date Opened : XX/XX/XXXX ( TU ) and/or XX/XX/XXXX ( XXXX  and XXXX  XXXX XXXX XXXX - Date Opened : XX/XX/XXXX ( TU ) and/or XX/XX/XXXX ( XXXX  XXXX XXXX XXXX  - Date Opened : XX/XX/XXXX ( TU ) The following are incorrect addresses ( not mine XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  The Following inquiries was not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Caliber Home Loans, Inc. (FL)

Once again, you fail the test, XXXX. I closed on a mortgage with you thieves on XX/XX/2021 and everything went well until you " upgraded '' your software in XXXX of 2021. Then, everything went to XXXX. You failed to credit my payment in XXXX, instead adding it to the principal balance. How does a mortgage balance go up with monthly payments instead of down??? I've complained repeatedly and all you do is throw figures against the wall, hoping that some of them will stick. None of them do. Nothing you have done makes any sense at all. The numbers don't add up in any way. I asked you to supply a report that any reputable mortgage company could easily supply - a running balance report that aligns with an amortization table and you refuse to do so. You wouldn't cooperate with the XXXX  in XXXX Texas and you sent an explanation letter to the CFPB that is incoherent and makes no sense. The " reports '' you sent are nothing but living proof of XXXX XXXX XXXX maxim : " If you can't dazzle them with brilliance, baffle them with XXXX. '' Since you couldn't get your act together, I refinanced with another company, an honest and reputable mortgage company, and closed on that loan on XX/XX/2021. Now, I can't get rid of you from my credit report. It shows the balance due to the new mortgage company with your name on it. XXXX corrected the error but XXXX says you still hold the mortgage. You don't and I disputed their " resolution ''. 

Oh, you've also reported to the IRS that I paid XXXX in interest in 2021. I did not. I paid {$3600.00}. 

I had to use a pdf manipulation program to break your " report '' into pieces so that it could be easily understood. See if you can find someone with more than a grade-school education who can understand what you sent. 

One other thing : do you know what a telephone is? Do you know how to use one of them? This issue could easily be resolved if you would simply call me. But I guess that is beyond your technical expertise. 

You owe me {$840.00}. Cough it up. You are nothing but an incompetent bunch of thieves.