davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have sent letter after letter asking them to verify how they are reporting things on my report. They keep sending letters stating that they verified them and they are accurate. I want something in writing about where they got this information and who that meaning name of person that verified this. By law Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX  ) from your company or any company that you represent, is a violation of the FCRA and or the FDCPA ; therefore if and when you can not validate the negative remark, or produce substantial physically verifiably confirmed proof of complete reporting truth, accuracy, completeness, timeliness, and compliance > the laws are in clarity to the facts that you absolutely must request that all credit reporting agencies display ONLY demonstrated proven compliant information to include any related to every single one even each any and or all of the still unproven alleged payment history deficiencies OR ANNUL by full deletion every allegation of derogatory notation and insertion of only PAID or PAYS as AGREED, NEVER LATE! Please forward to me as well as display to the consumer credit reporting agencies ONLY irrefutably COMPLIANT information as to what the account history is or remove any doubts with your submission to showcase the accounts payment history as " paid or pays as agreed, NEVER LATE entry. 
Per FEDERAL REQUIREMENTS upon a consumer complaint ( be it a dispute or be it a challenge checking for compliant reporting ) pending the outcome of my investigation of any evidence that you submit, you are further instructed to take no action that could be detrimental to any of my credit reports.
Consumer complaint received 2020-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (GA)

On XX/XX/XXXX, National Credit Systems on behalf of XXXX XXXX XXXX XXXX XXXX added a collections debt of {$920.00} to my credit. I disputed this amount twice. My most recent dispute was on XX/XX/XXXX with uploaded documents that state that the debt was paid and they have reported the wrong information. This company keeps on ignoring my uploaded documents and continue to say I owe them this debt, and I do not.
Consumer complaint received 2023-03-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

While I was banking with Wells Fargo in 2017 I was incorrectly charged over {$100.00} in overdraft fees because I paid several small bills and then a few days later saw that I had money in my account to pay a larger bill. They immediately took out the large payment and then a few days later i checked my account to see that all the small payments had been taken out a few days after the large payment had gone out. They charged me overdraft fees on EACH INDIVIDUAL small payment that went out. I immediately called to resolve the issue and they did nothing but make excuses for the delays in taking the smaller payments out several days after they had been sent. I had to pay all the overdraft fees and ended up closing my checking account. I would like to be compensated for this after finding out Wells Fargo is now admitting to fraudulent banking activity during the time I was affected.
Consumer complaint received 2020-12-11
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. (IL)

Dear XXXX, XXXX, Transunion Thank you for sending me your internal records of the debt ( XXXX XXXX ) ACCOUNT # XXXX. I was Provided FACTUAL EVIDENCE by XXXX XXXX Manager, a contract with my alleged " signature ''. On the contract it has in RED STAMP that says " PAID '' with completion date XX/XX/XXXX. HOWEVER on the contract it states the FINAL PAYMENT was due on XX/XX/XXXX. How could this be a CHARGE OFF account if the payment was due only 20 days after the due date? which is PAID IN FULL. I also have circled the date on the contract that says this account was opened on XX/XX/XXXX HOWEVER all three reporting agencies have different dates that says this account was opened in XXXX and XXXX? With so many inconsistencies regarding the account in the ( DATE OF LAST ACTIVITY ), ( DATE OPENED ) ( CLOSED DATE ) ( DATE REPORTED ), ( DATE OPENED ), ( ACCOUNT STATUS ) ( LAST PAYMENT ) & ( CREDITOR REMARKS ) section. This can not be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different? PLEASE REMOVE THIS ACCOUNT IMMEDIATELY. i have attached my UTILITY BILL for address verification and SS # AND DRIVERS LICENSE best regard XXXX XXXX
Consumer complaint received 2021-11-16
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: Experian Information Solutions Inc. (TX)

EXPERIAN reporting of XXXX XXXX XXXX is a unsubstantiated assertion. 
This is my 6x time requesting removal. EXPERIAN has mastered denying CFPB investigations. Check all prior responses from EXPERIAN. 
XXXX / XXXX / XXXX / XXXX ... 
Attached is exhibit of the account reporting from EXPERIAN report.
Consumer complaint received 2019-04-27
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: CITYWORTH MORTGAGE LLC (NC)

I was in the process of buying a home in XXXX, Fla. under my VA eligibility loan and the lender had already approved my for {$300.00} and was asking my for all type of different Documents, IDs, old mortgage and bank statements which we faxed or sent to them. My realtor XXXX XXXX in Fla. said to us that he had never seen a mortgage Co. ask for so much different stuff for a mortgage loan. After all of this went down, and knowing that my VA loan is no money down {$0.00} they had us to wire them {$1.00} plus them made us pay for the termite inspection {$450.00} and the property inspection {$150.00}. After that they wanted clear pictures of My wife and I IDs which I had sent them before via fax now I did them on my phone. I was two days before closing, they told us that we they were not going to give us the loan. We believe that the seller saw that we were XXXX and the home we were buying was in a gated neiborhood. They then sent us a form of release of our funds to sign and we sent that back to them. After a few days went by on the weekend, that Monday morning they sent me a email stating that they would not give us our money back because my wife before we were married, her home was in a reverse mortgage and I had sent those papers to them long before we wired them the money. If that was the case they should have stopped the whole process than. The Mortgage Co. is CityWorth Mortgage in XXXX, VA.
Consumer complaint received 2022-05-01
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: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting act. The List of account ( s ) below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Accounts # XXXX, # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-11-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Attached are letters regarding inaccurate and unknown items on my credit report. Its been over 60 days and I still have not received notice or a response regarding this matter. There is no way that any of those items listed were considered verified or accurate ; when each item displayed inaccurate information across each bureau. I demand proof or immediate deletions after this complaint as for you are in several violation of the FCRA act. I feel like I am being taken advantage of and will seek legal counseling for punitive damages if this matter is not handled accordingly
Consumer complaint received 2020-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Greetings. 

I sent a disputes letters to the credit bureaus sunch as XXXX, XXXX and Transunion, but they are not doing anything to solve my problem, I have inaccurate information on my credit report that is affecting my credit score, i want to resolve this as soon as posible.
Consumer complaint received 2022-07-21
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. (NC)

It appears that my credit file has been compromised. I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (NC)

AidVantage XXXX XXXX {$2100.00} XXXX XXXX {$3500.00} XXXX XXXX {$4500.00} XXXX XXXX {$2400.00} XXXX XXXX {$990.00} AidVantage acquired my student loans from XXXX XXXXXXXX XXXX on XXXX XXXX, and reported 6 late payment for each loan in XXXX. XXXX XXXXXXXX XXXX never reported any late payments nor was I ever late on any payment.
Consumer complaint received 2022-05-01
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 USC 1681 Section 602 states, I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : also states, a consumer reporting agency can not furnish an account without my written instructions.

15 USC1681c ( a ) ( 5 ) states, no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose. 


1. XXXX, Account # XXXX 2. XXXX XXXX  XXXX , Account # XXXX 3. XXXX XXXX, Account # XXXX 4. XXXX XXXX XXXX  XXXX, Account # XXXX Inquires : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

Greetings. 

I sent a disputes letters to the credit bureaus sunch as Experian, XXXX and XXXX, but they are not doing anything to solve my problem, I have inaccurate information on my credit report that is affecting my credit score, i want to resolve this as soon as posible.
Consumer complaint received 2020-11-26
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

While studying my report I have come across a number of mistakes and inaccuracies that the credit bureau, XXXX, Equifax, and XXXX, are reporting. I have disputed the unverified discrepancies on my credit report, with all three credit bureaus, XXXX, Equifax, and XXXX, multiple times and have not received any proof of a copy of any original documentation, a consumer contract with my signature on it, and the original creditors documentation on file to verify that this information is mine and is correct.
Consumer complaint received 2022-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solar Mosaic LLC (CA)

On Today 's date XX/XX/2022, I received a letter from the company XXXX XXXX XXXX about an alleged/disputed loan with the company MOSAIC ( Loan # XXXX ). I wrote back to this company about the legal dispute regarding this loan. For, this loan was fraudulently established under my name by the companies XXXX XXXX XXXX, MOSAIC and XXXX XXXX You can refer to the current investigation conducted by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), as well as the police report from the XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ), and the complaint with CFPB against MOSAIC ( XXXX ). This company is attempting to collect a debt that simply does not exist, because i have never taken a loan with MOSAIC.
Consumer complaint received 2021-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A. (CA)

BBVA is a fraudulent company.

BBVA unilaterally closed my account without any notice or explanation to me.

I timely paid my balance in full last month and was told that would bring my account to {$0.00}.

I checked my account today and found that I am being charged {$6.00} for Interest charge promo charge and {$1.00} minimum charge.

I called BBVA and spoke to XXXX XXXX. I asked for an explanation of these new charges - she didn't provide one. I asked to have the {$7.00} reversed- she refused. I asked to speak to a supervisor- she said there was no-one available and they would call back but didn't say when. I offered to pay the {$7.00} if she would provide written confirmation that no more charges would be incurred- she refused. 

I want this matter investigated. I will not pay these fraudulent charges without verification that doing so will bring the account to {$0.00} for good.
Consumer complaint received 2020-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I've seen no changes for the accounts that I have filed last month, I still see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-12-11
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 2020-11-26
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. (WI)

Hello I reviewed a current copy of my credit report and I placed disputes to have inaccurate or fraudulent information reviewed. I have not heard back with any results and it has been more than 30 days per the FCRA. I am currently now being violated.
Consumer complaint received 2020-11-25
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: BARCLAYS BANK DELAWARE (FL)

On XXXX. XXXX, 2019, BARCLAYS BANK DELAWARE add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, XXXX add a hard inquiry on my credit report per XXXX.
Consumer complaint received 2020-11-25
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (SC)

I contacted Freedom Mortgage in late XX/XX/2020 to start the application process to refinance a loan for my home who I currently have through XXXX XXXX. During the processing cycle of this loan I was working with XXXX XXXX. XXXX XXXX asked my current mortgage lender for a payoff statement. This statement was good until XX/XX/2020. XXXX XXXX added a {$25.00} fee to my next mortgage payment for that payoff statement. Ms XXXX said that we would close before that date. Ms XXXX caused numerous delays due to mistakes and miscommunications causing us NOT to close by XXXX XXXX. A second request was made by Freedom Mortgage which would now be good through XX/XX/2020. However, due to numerous errors on their part, on XX/XX/2020 I withdrew my application and ceased to do business with Freedom Mortgage due to their ineptness and lack of communication between departments. 

On Monday, XXXX XXXX, 2020 I sent into my XXXX XXXX account and noticed that there was now a {$75.00} fee added to my next mortgage payment. I contacted XXXX XXXX and they stated that the {$75.00} fee was for THREE ( 3 ) payoff statements, two which were requested on XXXX XXXX but going to different fax numbers. Once I learned this I knew that it had to be Freedom Mortgage that did this since I was not dealing with any other refinance mortgages with any other company on that date. I do NOT feel as though I should be responsible for the 2nd and 3rd requests from Freedom Mortgage since it was all due to their inability to " get their ducks in a row '' and get me closed in a preset time frame. I sent an email to Mr. XXXX XXXX at Freedom Mortgage and asked his company to reimburse me the {$50.00} that his company has cost me in additional fees. I also called his office phone number and asked him to contact me. As of this evening ( XX/XX/2020 ), I have not received any responses from Mr. XXXX.
Consumer complaint received 2022-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Great American Finance Co (GA)

Great American finance is trying to collect more than {$5000.00} from an account opened online at XXXX XXXX 's back in XX/XX/2022, delivered to an address that is not mine or related to me in any form, I have not opened this account neither have bought nothing in the pass from this retailer, I have filed a police report incident for fraud and identity theft. I filed a dispute on my XXXX account.
Consumer complaint received 2020-11-25
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3900.00}, {$42000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX I with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$42000.00} -This is not my account.