davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-13
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)

XX/XX/XXXX I mailed my dispute letters out to the credit bureaus, I have not received a response back in a timely matter. They had 15 days and didn't response this matter should be removed.
Consumer complaint received 2020-05-13
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: PORTFOLIO RECOVERY ASSOCIATES INC (DC)

The requested URL was rejected. Please consult with your administrator. 

Your support ID is : XXXX [ Go Back -- Or, the response is that my information does not match the information in their system, which is untrue. 
-- -- -- -- -- -- -- -- -- - The above information is the information I receive when I attempt to login to My XXXX account. 

I filed a dispute with XXXX initially in XX/XX/2020. When I. noticed the Portfolio Recovery remained on my credit report even without supportive data for its existence, I filled a dispute again. The reporting agency restricted my access to its website. When I've called I am routed to representatives who reroute my calls, then I'm hung up on. 

The fraudulent account of Portfolio Recovery still remains on my report even without any documentation and changing dates for the start of the account. XXXX  and XXXX have both remove the erroneous report, but XXXX will not.
Consumer complaint received 2022-12-14
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2020-05-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: N.A.R., Inc. (CO)

we were on six month lease with the owner ( i do not recall his name ) and real property management Colorado, we received a call that the owner would be returning to the house that we were residing in and he would be moving in the following month. And we weren't allowed to renew the lease for that reason and had a month to clear out, our deposit was not returned to us. and we also replaced the stove while there because the original stove did not work, which i never got compisated for. i did not receive an answer. as i left when the lease terminate and i never received my deposit nor the {$800.00} for the stove.this account is on my credit report and is inaccurate, i called NAR XXXX XXXX ) at different times today to explain the situation but they did not answer. i need this account removed immediately.
Consumer complaint received 2023-01-12
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: Experian Information Solutions Inc. (NY)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

The problem with Wells Fargo Bank. On XX/XX/2020 I applied for a first time buyer loan, I was pre-approved and with several emails and letters. My credit report was pulled and I was pre-approved by Wells Fargo Bank. I signed a purchase contract for a condominium unit in the beginning of XXXX, after calling Wells Fargo every day I received a call from Wells Fargo Bank at the end of XXXX, that the credit report pulled back in XXXX had one digit wrong therefore they needed to pull my credit report one more time because of that problem. My credit report was pulled back in XXXX that is why I was pre approved. Days later I received a call saying that because of my new credit report pulled in XXXX they can not approve the loan, I then claim that to tell me what was the difference between the report pulled from XXXX and XXXX, I was told that they didn't have access to the report from XXXX, not until later on the month of XXXX I received a letter from Wells Fargo saying that I was not approved because of my credit report resulting the lost of a good property because of Wells Fargo Neglect. As of today I am still awaiting for Wells Fargo to give me an explanation since XX/XX/XXXX, I have escalated this issue to the Executive Office and they keep postponing dates to resolve this complaint. I was told today that they should be giving me an answer by XX/XX/XXXX, but this is the same thing they do every 15 days. I have proof of all the lies and all the mistakes that Wells Fargo has done in my credit application.
Consumer complaint received 2020-05-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Company : NewRez, Shellpoint put us in forbearance in XX/XX/XXXX. We did not request it. They said that they did it on their own behalf. On XX/XX/XXXX, we demanded that they take us out of forbearance, as we didnt ask to be in that state in the first place. We are current on our payments. 
We have now received a letter of LOSS MITIGATION. We have spoken to Padamore ( date XX/XX/XXXX ), XXXX ( date XX/XX/XXXX ), XXXX XXXX at ext XXXX ( date XX/XX/XXXX ). We are exhausted trying to get through on the phone ( Sorry, don't have other names ). Yesterday and today, we have been on the phone for hours and were told that we are still in forbearance and they will again try to take us out of it, but each time we call ... they don't. We are currently in the process of streamlining to another finance company because we don't trust them. Please help. We need to get this resolved, as soon as possible. We fear that they are trying to take our home. Please help.
Consumer complaint received 2020-05-14
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. (IL)

XXXX and XXXX  Have both deleted this XXXXXXXX account from my profile. I have attached my credit report proving that the XXXX XXXX  account with account number # XXXX. I have previously disputed this account and Experian has still failed to delete the account under FCRA Section 609. I have attached that finger hut told Experian to remove the account and they still have the account reporting. This is a violation of the FCRA and I can receive monetary damages under the law.
Consumer complaint received 2023-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (CT)

We have a joint checking account with the M & T Bank ( the routing and account number are XXXX and XXXX, respectively ). The bank blocked us to get access and/or transfer money last XXXX without any reasons or notifications. Now, we could not pay our bills on-time through this account, which may significantly affect our credit scores and mortgage ( or credit cards ) applications. 
We called M & T Bank to resolve this issue on XX/XX/XXXX. We also asked the managers in security department and the local XXXX officers why our account was blocked. 
However, none of them was willing to tell us why. They kept asking us to call another number ( such as XXXX, XXXX, XXXX, etc. ). 
After many hours of calling different officers, M & T Bank still have not provided us a reason why our account was blocked nor resolved the issue. 
In addition, we have requested XXXX XXXX XXXX to represent us to contact the bank. He has also failed to resolve this issue. 
We will be grateful if you can help us to resolve this issue.
Consumer complaint received 2022-04-01
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX, Account Number : XXXX 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report., has violated my rights. 

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 2020-05-13
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (TN)

XX/XX/2020 I open up an email from Wells Fargo asking me to contact them about an account. I am working so I have to wait until I get home. I also have a letter from them waiting for me in my mailbox saying if I need assistance to please contact them. 

I log in to my account and it says my payment is 20 days late. I have never missed a payment so I was very concerned. I called them and after being transferred to 6 different people, someone tells me that they disabled the auto-debit I had set up for payment for this account because of the recent tornado in my area of Tennessee. 

I try to get an explanation as to why they would do this but still try to say my payment is late because they turned off how I pay it. They didn't have a very food answer. I asked them if the late account would be reported late to the credit agencies and they couldn't answer that either. I wanted to let someone know that they are randomly disabling auto-debit for payments and claiming " disaster relief '' but not letting anyone know they are doing it and not waiving the ability for payments to still be late.
Consumer complaint received 2022-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MIDFIRST BANK (OK)

When I transfer money from my XXXX checking account to my MidFirst checking account it takes forever for MidFirst to credit my account. The first time it happened I called them & was told it took so long because it had to go thru the clearing house. I'm sorry I didn't document the dates but I did the next time it happened. On XX/XX/XXXX I transferred money from XXXX to MidFirst. MidFirst didn't credit my account untiXXXX XXXX XXXX, 16 days later! With practically everything being instant these days I'm having a hard time believing that if transfers really do have to go thru the clearing house it takes them 16 days!? I believe MidFirst is dragging their feet & not applying the funds to my account in a timely manner.
Consumer complaint received 2023-01-02
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: EQUIFAX, INC. (OH)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2022-12-14
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've contacted XXXXXXXX XXXX XXXX XXXXXXXX XXXX they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late payments from this account : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-13
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX  XXXX {$180.00} XXXX XXXX {$9500.00} CHAPTER XXXX BANKRUPTCY DISCHARGED
Consumer complaint received 2024-08-13
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. (MO)

These accounts are involved in litigation, I have not supplied proof under the doctrine oXXXX XXXX XXXX XXXX XXXX XXXX XXXX  MO '' 281 sw 715.719. I presume no knowledge of the collected debts, in fact exists XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I recently applied for a credit card through XXXX XXXX. I am a XXXX XXXX  XXXX  who is about to begin XXXX XXXX XXXX  XX/XX/20 in New York. I was rejected for the credit card on XX/XX/20 ( and I have been rejected several times over the last 3 years without understanding why ). On this most recent attempt I called XXXX XXXX and was told that TransUnion reported that my debt to income ratio was too great because I will be paying between $ 8000-9000/month on my student loans, >2X my monthly income. This is absolutely incorrect. I applied for the income-based repayment plan which will allow me to pay as little as $ XXXXmonth. I tried to call TransUnion multiple times. Once I was told that my student loan debt wasn't showing up. Another time I was placed on hold for 5 hours when I requested to speak to a supervisor. I am incredibly frustrated and need someone to advocate on my behalf. Additionally, I told TransUnion that they have the wrong last name on file for me ( XXXX, instead of XXXX ) and they have not corrected it yet.
Consumer complaint received 2020-05-14
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. (NY)

Hello, I am writing to complain about incorrect credit information which is appearing on my experian credit report for a XXXX credit account. XXXX on XX/XX/2020 reported my account as 30 days late to experian. This update flagged my account negatively and brought my score down by 21 points. I worked with XXXX to resolve the issue and had them correct it at their end ( I have a letter from XXXX which confirms the correction ) .However the department within XXXX which communicates with credit bureaus has not corrected the information on their end and is still relaying older, incorrect information related to my account to experian. I also worked with experian to rectify this error by providing them supporting documentation from XXXX but as per experian they have not received any updated information from XXXX  to remove deliquency. I have been thrown in circles by both of these companies- experian and XXXX credit reporting department. XXXX, on each call has confirmed that from their end the account is current and has never been late however Experian is still reporting the account as 30 days past due in XX/XX/2020. 
Experian on XX/XX/XXXX - report number XXXX, corrected the information but on XX/XX/XXXX - report number XXXX again published incorrect information. 

This is a pure example of missing links in the process which XXXX   uses to update and make changes to credit bureau reporting as well as inefficiencies of credit bureau to be able to accurately verify and update information. I am not sure which company 's process is broken but I am victim of this broken dysfunctional process which has negatively affected me and is hindering me from moving forward with my home buying process. I would like to request experian to remove 30 day delinquency attached to my XXXX  credit account and also appropriately update my score back. The day delinquency was posted, my score dropped by 21 points and I am hoping that it will be reverted. Looking forward to a resolve, I will be happy to provide any supporting documentation needed. Thanks