davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-28
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. (SC)

XXXX-Opened XX/XX/XXXX {$200.00} My report for XXXX and XXXX is show 2 different reporting. XXXX is showing my account was late in some months and XXXX is showing never late. I reported it and nothing was change. It took them more then 30 days and still disputing. Which one is right? How can I have two different reporting when it's the same account. 

XXXX XXXX- opened XX/XX/XXXX {$1700.00} My XXXX is showing the last payment on XX/XX/XXXX and XXXX is showing XX/XX/XXXX. Then XXXX is showing the account was never late, but XXXX is showing it was late. I told them this account is fraud because I had to close my bank account because of this fraud account.
Consumer complaint received 2023-05-28
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. (WA)

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. 

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 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 XXXXXXXX : # 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 2016-09-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

I had financial difficulties in XX/XX/XXXX and filed for bankruptcy. I was not able to make the mortgage payments in the agreement and the bankruptcy was discharged XX/XX/XXXX. The Lender Rushmore Home Mortgage LLC proceeded with the foreclosure on XXXX XXXX, XXXX the day before auction I filed again for Chapter XXXX. Through an inheritance I now had the reinstatement amount due of approximately {$130000.00}. I then instructed my attorney to dismiss the case so I could pay back the reinstatement amount due. The dismissal was official XXXX XXXX, XXXX. I immediately called and left a message with XXXX XXXX XXXX regarding the procedure and reinstatement. I have XXXX XXXX emails XXXX/XXXX/XXXX stating, she received my voice mail and " I have requested the fees and costs for the Foreclosure. Once received I will forward. I have attached the wiring instructions to wire the funds. '' XXXX XXXX, XXXX subsequent email from XXXX XXXX states : " the reinstatement will be not completed until XX/XX/XXXX due to the foreclosure fees and costs. '' The next XXXX/XXXX/XXXX email states : I am sorry to say the foreclosure sale date was completed yesterday and the property reverted to the investor. ''
Consumer complaint received 2023-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

These inquiries are too old to be on the report : 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 2023-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

My interest for XXXX was XXXX I was still on a hardship program and I was taken off in XXXX. After that my next bill for may was XXXX dollars minimum payment with the interest still the same when I was taken off the hardship. Now I know interest rates went up but tell me why for XXXX my interest is XXXX Why would it jump that high that doesnt even make any kind of sense. Now they tell me after the hardship program that they put interest from that then put XXXX dollars for something else honestly it does not make sense and confusing. To me it just looks like Im being cheated. Ive spoke to them so many times and they give me the same XXXX answers Ive went to news stations lawyers and still nothing works. I go to capital one they dont help you at all they just never answer you back or they have another excuse. XXXX so sick of them I hope they all go to XXXX because theyre sure making my life a living XXXX try to anyway. This time if they get someone to supposedly help me dont waste my time actually help me or dont even bother contacting me! I want answers I want direct answers! I want transparency about this bill. I dont want to hear any more lies!!!!!! oooh and another thing they stated I was late with the payments thats a lie I was on the hardship program how can you say I was late and Im on a plan?
Consumer complaint received 2015-08-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (NJ)

I 'm in the process of trying to get a mortgage from XXXX XXXX XXXX. In doing that XXXX looked at my credit report & saw some outstanding things:1.There was a judgement from XXXX back from XX/XX/XXXX which i do n't know anything about. 

2.There was a tax lien which I paid in full but needed it remoed earlier than XX/XX/XXXX in order for my credit score to go up to get a better mortgage. 

3.I also had a volunteer return for my old XXXX XXXX , but it shows as a " repo ''. I was behind a couple months, then I contacted XXXX XXXX & drove the car myself to the dealer where I ought it from to return it. Once XXXX sold my XXXX, they gave me a check for the difference in balance, so how can this be a repo if XXXX gave me a check for the difference when the vehicle was sold? 

4. There 's also a collector trying to get {$200.00} from when I was in the emergency room, however I have Full medical coverage from my work & i paid the co-pay to the hospital. The emergency visits are covered. How can the hospital try to collect from me, when I already paid the co-pays? 

I just called Experian & XXXX XXXX this morning to get all of the above issues investigated. However, I had to do with automated teller, then deal w/Phone operator which did n't have a good attitude, so I 'm afraid that they may not process correctly? I hope that you guys can help me in following up with them to make sure that they remove these outstanding issues in order for me to get a better credit score so that I may get this mortgage from XXXX XXXX XXXX & start a new chapter in my life with my wife. 
Thank you in advance for your help in this matter
Consumer complaint received 2023-05-28
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. (GA)

2nd Complaint For Filing a Lawsuit against TransUnion! There is a XXXXDay late-payment for the month of XX/XX/XXXX and XX/XX/XXXX on my Mortgage with XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX. Under 15 U.S. Code 1681s2, it states that, " transaction or experiences with the Consumer ( me ) and the person ( XXXX XXXX XXXX XXXX XXXX XXXX ) making the report is not included on my consumer report. TransUnion and XXXX XXXX XXXX XXXX, Ignorance of the law is no excuse. In conclusion, I have shown you and you have been put on notice that you are repeatedly reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer Report. Thanking you in advance for your cooperation.
Consumer complaint received 2023-05-28
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. (NY)

In accordance with the fair credit reporting Act. 
The list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681.

15U.S.C 1681 section 602 A. States i have the right to privacy.

15 .U.S.C 1781 64 A section 2 : it also state consumer reporting Agency cannkt Funish a account withiut written instructions.

15 U.S. C 1681c. ( a ) ( 5 ) section 2 States : No consumer reporting agency may make any consumer report containing any of the following items of information qnynother adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15U.S.C 1681s-2 ( a ) ( 1 ) a person shall not funish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I was never late on this account. I have made all my payments on time. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX. 
I never had a contract with this debt collector for any debt. 
XXXX account with account # XXXX opened on XX/XX/XXXX. 
This account is incorrectly being reported as a charged off account with a balance due. 
XXXX  account with account # XXXX opened on XX/XX/XXXX. 
XXXX  Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. The current payment status of 90 Delinq is incorrect because the balance due on this account is {$0.00}. 
XXXX Credit Card with account # XXXX opened on XX/XX/XXXX I am writing to dispute the following information that appears on my XXXX report XXXX XX/XX/XXXX : XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
The current payment status of 60 Delinq is incorrect because the balance due on this account is {$0.00}. 
XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX. 
Collection account from XXXX XXXX with account # XXXX. 


XXXX XXXX XXXX XXXX XXXXXXXX XXXX  with account # XXXX opened on XX/XX/XXXX. 
XXXX  Secured loan with account # XXXX opened on XX/XX/XXXX. 
XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX. 
XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX. 
XXXX XXXX XXXX Charge account with account # XXXX  opened on XX/XX/XXXX. 
Collection account from XXXX XXXX XXXX with account # XXXX Collection account from XXXX, XXXX with account # XXXX.
Consumer complaint received 2016-09-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

After a modification Wells Fargo told me I owed XXXX payments and I could only make XXXX. I believed only XXXX was due and it was for XXXX. After paying it I was told I had to pay another XXXX which I did n't have. They have made me late every month on my credit report, my credit is shot. I have n't been able to go to work because of health issues. I just finished my XXXX. I have called them and so far I have talked to XXXX people. No one can help me they just transfer me to another person. I received a notice that if I did n't give them {$6400.00} by the XXXX of this month that they are foreclosing on my home. I have never missed a house payment. I have owned this house for fourteen years. I want to ask them if they will add the money I owe them ( in their estimation ) to the principal and start from scratch again. I do n't know what else to do. I am so concerned about being homeless and I do n't know which way to turn. It took a year and a half to finalize the modification and they lowered the principal by XXXX and the payment stayed the same. I was mortified. I wanted a lower payment not a lower principal and they knew that. Since I lost my job I have nothing extra. My children help with my medications and food. Can you please help me.
Consumer complaint received 2023-05-28
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (CA)

Notice to agent is noticed to principle. Notice to principle is noticed to agent. this is to inform the CFPB of a violation that XXXX  XXXX XXXX  has done to the consumer XXXX  XXXX XXXX  has sold my information to a company by the name of resurgent receivable LLC the company has been notified to stop sending notification by text, and by e-mail. the company continues sending me text messages when the consumer has addressed this issue with XXXX XXXX XXXX in the past XXXX XXXX XXXXXXXX has violated by selling my information to this company the description PDF is on the CFPB portal end the explanation are written in red.
Consumer complaint received 2023-05-28
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX- OPENED XXXX XXXX AND BALANCE IS {$480.00} I REPORTED THIS ACCOUNT AND TOLD THEM THIS WAS FRAUD FOR TRANSUNION AND XXXX XXXX 

XXXX XXXX  -OPENED XX/XX/XXXX {$490.00} I REPORTED THIS WAS FRAUD AND TOLD THEM IT WAS FRAUD FOR TRANSUNION AND XXXX XXXX 

XXXX XXXX-OPENED XX/XX/XXXX {$510.00} THIS ACCOUNT IS ON XXXX, BUT NOT ON TRANSUNION. THIS ACCOUNT DELETED OFF TRANSUNION, BUT NOT XXXX. XXXX SHOULD HAVE BEEN DELETED THIS ACCOUNT.
Consumer complaint received 2017-01-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (NJ)

Experian has sent me a letter stating that they will no longer investigate my accounts even after I have sent them proof that their listings are incorrect. This is a violation of my rights under section 1681 of the FCRA and they are violating FEDERAL law. Congress states that when I notify the bureaus that they are reporting something inaccurately, they are required to investigate. When I notify them yet again that they are still incorrect, they are required to go beyond the original source of information to ascertain that the info they received is correct. Stating that this will not happen because the person processing the disputes has too many disputes and investigations to do for less than minimum wage is not my problem. 
I 'm attaching proof that XXXX does not hold the account and I have notified Experian numerous times that they are required to report this account as transferred or sold and they have not done so. I am also attaching proof that they will no longer investigate.
Consumer complaint received 2023-05-28
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. (TX)

Please help me understand why the bureaus are still reporting accounts that are inaccurate, unproven, unverified, and definitely NON-COMPLIANT with the FCRA/FDCPA laws. It is very frustrating that this has been going on for several months and they have not given me any or enough evidence to prove that these accounts they keep posting in my report are verified and true. I have been continuously denied getting loans because of this. This should have been resolved months ago but they don't seem to care at all.
Consumer complaint received 2023-05-28
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)

On XX/XX/2023, I reviewed my credit report from XXXX, Experian and XXXX and noticed several accounts and inquiries that I did not recognize or authorize. I believe I am a victim of identity theft, and these accounts and inquiries are fraudulent. 

Attached are copies of my credit report highlighting the accounts and inquiries in question, a copy of my identity theft report, a copy of my FTC Identity Theft Affidavit, and proof of my identity. 

I request that XXXX, Experian and XXXX investigate these matters promptly and remove these fraudulent accounts and inquiries from my credit report.
Consumer complaint received 2016-12-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have a few hard hits on my credit I did not authorize. My Father and I have the same name and same address so sometimes are information gets mixed up. I am not saying that 's the case here but few of these inquires are not mine nor did I authorize them.
Consumer complaint received 2023-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-11-30
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

My complaint is focused on Wells Fargo Wealth Management-Trust Department. 
My mother has a trust setup by her Mother in the 1920 's. 
My mother is now XXXX and is not focused on financial issues at this point in her life. She only expects an adequate income to make ends meat from an instrument set up to supplement her income for her later years. 
Wells Fargo has been the corporate trustee on this account for decades. About 15 years ago my brother and I were not happy that there was no account servicing of her trust. No one ever called to ask how she was doing or go over her situation. Her portfolio was in growth stocks and she needed income. We scheduled a meeting to discuss our issues. Representing her in this meeting my brother and I asked pointed questions.Why has there been XXXX communication? Why these growth investments for an elderly lady? Why so little income? Why so many investment managers? 
After silence the management team promised to adjust her portfolio and follow-up. The result of this conversation was a slight increase in dividend income. 
Fast forward 15 years and my mother now has no significant other with the means to financially support her. In the meantime, cost of shelter and goods keep on rising. And during this time status quo on the communication. The Bank never communicated with her, only statements. 
Recently we have resumed discussions again and Wells is very reticent to spend time on this. We are being shuffled through numerous wealth managers. And explanations of the new investment direction we asked for are grinding along at glacial pace and are not clearly explained. 
Her account is not large. But, it is an account in their bank. Are n't we who they should work to make happy? We are not XXXX, does that make us irrelevant since we do not help there balance sheet to the same tune? 
In this day and age you here all the marketing talk about personal service from numerous corporations. Well, Wells Fargo has not cultivated this client relationship with acceptable personal service. 
An XXXX Year old woman living by herself, has a fund set up by her mother in the 20 's and a small Social Security income. This income should allow her to live while not having to worry about eating. 

Please keep up your investigations on Wells Fargo and other greedy corporate entities and do not allow business practices that turns it 's back on the average clientele. 
I would not recommend Wells, ever.