davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CA)

My husband and I sold our home on XX/XX/XXXX we called the mortgage company XX/XX/XXXX regarding the update on our escrow account, the agent we speak to over the phone advice us that a refund will be send out and we will receive it by the end of XXXX. On XX/XX/XXXX we called again because we're wondering what happened to our escrow refund, again the agent told us it will be send out XX/XX/XXXX. It is now XX/XX/XXXX and we haven't receive a refund from our escrow account. We also concerned that we over paid the interest for the month of XXXX.
Consumer complaint received 2018-03-20
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. (CA)

In XXXX of XXXX My wife and I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX. The vehicle was financed with XXXX XXXX XXXX. ; shortly after we drove away with our car we experienced trouble with the transmission. We immediately contacted the dealership and XXXX XXXX as we were committed to a hefty loan at a predatory interest rate ( yes we had challenged credit at the time of purchase. ) The owner of the dealership at first disputed the claim that the vehicle he sold us had a pre-existing issue and during that time my wife contacted XXXX XXXX to discuss options on what we could do in the event that we got a " Lemon '' the representative mentioned we could voluntarily repossess the vehicle in which we absolutely were against. However there were notes placed in there system that we agreed to this. XXXX XXXX   has since reported this to the 3 major credit agencies that the vehicle has been repossessed in XXXX it is now XX/XX/XXXX and no correction has been made as I have contacted them several times in regards to this matter. never did we agree or sign documentation to repossess the vehicle and Never has XXXX XXXX EVER taken possession of the vehicle voluntarily or involuntarily! They refuse to correct this issue and it in fact has affected my wife and I 's Credit rating which we have made huge strides in the right direction! Aside from that issue they partake in a ridiculous collection practice even if you are not late or delinquent on your payments. they call numerous times throughout the day and say absolutely nothing! they just hang up in about 1 min. I have confirmed this to be them as I have called these mystery numbers and they all lead to there automated system!
Consumer complaint received 2018-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I was advised by my credit reporting company to get copies of my credit reports. 

I requested 3 reports. It only showed my XXXX  report, but not the other 2 reporting companies. 

I am unable to identify information that is on my report, ( lack of company names and identifiable information ). 

I was unable to get through to Annual Credit Report. 

Unable to speak to a customer service rep. 

Unable to resolve. 

There is no place on their website to request all three to be mailed, only print, the only one was XXXX, NOT Trans Union or XXXX.
Consumer complaint received 2018-03-20
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

Company reporting to credit reporting agencies late 30 days XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX I was told that since incorrect information was given by service representative to have payment automatically deducted from account that since it was no error to myself, no negative reporting would take place. I spoke to two other representatives within month of XX/XX/XXXX and was advised that no negative reporting would take place and a request had already been submitted to CRA to remove negative information. XX/XX/XXXX, I sent check, which was date XX/XX/XXXX XXXX but not cashed by XXXX until XX/XX/XXXX. I have sent a dispute in regards to this and still have had no success with resolving this issue. XXXX also continues to report incorrect balance on my credit reports, which doesnt reflect all payment history. I have made them aware of this, yet they continue to report incorrect information regardless how it negatively impacts my credit report.
Consumer complaint received 2018-03-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (CO)

I have been disputing an account on my credit file, with XXXX XXXX for over 2 years and they refuse to prove that it is mine. 
On XX/XX/XXXX I sent a dispute letter to XXXX XXXX regarding an account on my credit report for which they claimed that I owed {$420.00}. I challenged the accuracy, compliance and reportability of this listing because I am unaware of owing money to this company. I also requested to validate the information, and to provide me with any documentation associated with this account, bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. And that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from their company or any company that they represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if they can not validate the debt, they must request that all credit reporting agencies delete the entry. They did not respond within the 30 day period. 

On XX/XX/XXXX I followed up with another dispute letter to XXXX XXXX stating that by not replying in a timely matter to my initial letter on XX/XX/XXXX, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I stated that I was making a final goodwill attempt to have this matter cleared up because the listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting.

On XX/XX/XXXX I received a letter back from XXXX XXXX stating that the account was " Valid '', but I never received any validation with any documentation associated with this account bearing my signature. 

On XX/XX/XXXX I sent another dispute letter to XXXX XXXX stating that they have failed to provide me with a copy of any viable evidence bearing my signature showing the account is being reported accurately. I requested the description of the procedure used to determine the accuracy and completeness of the information. And additionally I requested for XXXX XXXX to provide me with the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 

On XX/XX/XXXX I received a letter back from XXXX XXXX stating that the account was sold to XXXX   XXXX XXXX XXXX.
Consumer complaint received 2018-04-10
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. (TX)

I have submitted numerous disputes regarding this account to Equifax, XXXX, XXXX, Consumer Finance.gov, and the company reporting the erroneous debt. I have requested verification of this debt numerous of time and have yet to receive it. XXXX and XXXX rightfully deleted this debt from my report but Equifax only continues to report the debt as disputed. Consumer Finance.gov and attempted to contact the creditor numerous of time and have closed two previous complaints due to being unsuccessful.
Consumer complaint received 2018-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (WA)

I applied online for a Chase Sapphire Preferred card and was approved. I applied directly from the Chase website after seeing the offer for XXXX bonus points and no annual fee for the first year. I received my card several days later in the mail and logged onto the Chase website and I saw that they had charged me the {$95.00} annual fee. Confused about this I called Chase and was told they did not have the power to remove the fee and said the application code on their end showed that the fee would be charged. I asked to speak with a manager who said they would escalate the issue. 


Today I received a voice mail from Chase again saying they could do nothing to remove the fee have a nice day etc. Is there anything at all I can do about this? The application link I used was directly from the Chase website and clearly showed no annual fee for the first year.
Consumer complaint received 2018-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My name is XXXX XXXX and I am a member of XXXX XXXX which I check my credit score for Transunion and XXXX.

I will make extra payments on my montages and students loans to have a good credit On XX/XX/XXXX ; I filed a bankruptcy and had some collations which all are removed from my credit because it pass 5 to 7 years period.

But anytime one of the accounts removed from my credit which is positive point, but Transunion give me negative point, and bring my score down.

For example ; onXX/XX/XXXX my score was XXXX and today XX/XX/XXXX, XXXX  after all negative point removed from my credit.

My email address is ; XXXX  My phone is XXXX  I need your help to resolved this problem Thank you in advance for any help
Consumer complaint received 2018-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

they have been raising my payments and when I call to speak with them they are very rude and get upset because I speak XXXX. I called you all and told you about my complaint and I have my daughter checking for the report number but it say I don't have a complaint number can you please call me XXXX XXXX  speaking please
Consumer complaint received 2018-04-10
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: SYNCHRONY FINANCIAL (MO)

I have recently obtained a copy of my credit bureau XXXX credit report. It showed an inquiry by your company that I do not recall authorizing. It is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so.
Consumer complaint received 2018-03-20
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: EQUIFAX, INC. (TX)

The following are incorrect inquiries on my report. I did not authorize these. 

XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 item from the 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 reseller. 

Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was notified by XXXX as of today that my account with XXXX XXXX was charged off on XX/XX/year>. On XX/XX/year> I made full payment for the remaining of my balance that XXXX XXXX asked me to pay after my car was totaled. Please remove this charge off off my credit reports immediately.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 item from the 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 reseller. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX
Consumer complaint received 2018-03-20
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. (MN)

I have been a member in good standing with the XXXX XXXX XXXX XXXX XXXX and have never had a late payment on any of my loans, or credit card payments. Then in XXXX, XXXX, XXXX, and XXXX of 2017 I was 30 days late on my credit card payment. The reason for that is because I was not receiving electronic payment messages. So I missed these payments. I have since had the credit union send me paper/US Mail notifications when a payment is due. So because of not receiving the electronic payment messages I now have a negative entry on the Credit Bureau Reports. I have never had bad credit before and I am looking to but a retirement home and can't do that currently because of this Credit Mark on my credit reports. I have tried working with the Credit Union on this issue and they tell me they can't do anything about it.

I have also had Experian look into this matter and they say the Credit Union said this is not their fault, even though I did not receive electronic messages regarding due payments. 

Is there anything you can do to get this mark on my Credit Reports removed so I can move forward again with preparing for my retirement? 

Thanks for your assistance in this critical matter.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2018-03-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (IL)

signature does not match borrowers signature on originial mortgage. i received paperwork that i requested from wells fargo who took over world savings bank loans. my XXXX year old deceased mother was taken advantage of by world savings bank back in XX/XX/XXXX. XXXX XXXX borrower have been arguing back in forth writing letters and i have a response from wells fargo where they responded to her letter dated XX/XX/XXXX. this mortgage is fruadlent. im encolsing proof of signatures and loan documents that i received from wells fargo. please read documents ive provided with this complaint. property address is XXXX XXXX XXXX XXXX XXXX illinois XXXX. IM THE OWNER OF THE PROPERTY LISTED ABOVE. IM TRYING TO MAKE SURE THAT SHE OWES THIS MONEY BEFORE I DO ANY LOAN MODIFICATIONS WITH COMPANY. IM QUESTIONING SIGNATURE ON LOAN DOCUMENTS AND CURRENT AND OLD ID WHO SIGNED MY MOTHERS SIGNATURE. WELLS FARGO SET A SELL DATE ON THE PROPERTY WITHOUT NOTIFYING ME. IM JUST NOT FINDING OUT. MY CONCERN IS TO SEE WHO SIGNED HER NAME. I NEVER APPEARED TO COURT TO OR GOT ANY COURT PAPERS ABOUT FORECLOSOURE OR SELL DATE. ORIGINIAL LOAN WAS GENERATED BACK IN XX/XX/XXXX FOR XXXX MY MOTHER WAS NOT WORKING AT THE TIME WHO WILL GIVE A ELDERLY WOMAN A LOAN WITH RETIREMENT BENEFITS.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.