davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (CO)

On XX/XX/XXXX of XXXX, I became aware that I was a victim of identity theft. I reported my identity theft with the XXXX Police as well as the FTC. There were XXXX fraudulent credit accounts opened in my name that I never opened and was completely unaware of. Since then, XXXX of the XXXX were disputed, investigated, verified as fraudulent, and taken off of my credit history. Those XXXX were XXXX and XXXX 's XXXX. The XXXX fraudulent account was created through Discover Bank. I opened up an investigation with them in late XXXX to dispute. I had never heard back, and assumed from my rising credit score that is was also claimed as fraudulent. However, it appeared back on my credit report in early XX/XX/XXXX - that I owe {$9900.00} ( account # XXXX ). Then I tried to reopen the investigation ( case # XXXX ). However, I received a letter back on XX/XX/XXXX saying that my dispute was " previously investigated and resolved '' and they were " unable to to reinitiate the investigation. '' I request that this Discover account and the balance owed is removed from my credit history as I never opened the account. It was opened as a result of identity theft.
Consumer complaint received 2023-07-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I sent written statements to company that Im not responsible for debt.. Im made complaints XXXX still have debt owned on my credit report thats not mine.. Its from XXXX XXXX. I made complains to cfpb but XXXX did not remove any debt
Consumer complaint received 2023-07-05
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: AMERICAN EXPRESS COMPANY (MI)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (OK)

XX/XX/2023 at XXXXXXXX XXXX per my XXXX XXXX XXXX call log, I called Barclays after receiving a text message about a possible charge for {$1000.00}. During the call, I twice inquired if the charge had been denied and was twice told the charge had been denied. I responded that I was glad because I wanted the charge denied. On XX/XX/XXXX, Barclays paid {$1000.00} to a vendor. I called Barclay 's at least 3 times between XXXX XXXX. Finally, I was told on XX/XX/XXXX, that a supervisor would call me within XXXX hours. No Barclays ' representative called me back between that day and XX/XX/XXXX, when I wrote Barclays about my problem and included a copy of my XXXX XXXX XXXX call log reflecting the XX/XX/XXXX call. Although I have received unsigned form letters from Barclays, I have not received any response written or otherwise acknowledging the XX/XX/2023, phone call.
Consumer complaint received 2023-07-05
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. (MS)

I am the author of this complaint and after checking my credit report I noticed some fraudulent, inaccurate, and incomplete reporting on my credit report. The inaccurate reports are damaging my livelihood and reputation and affecting my ability to be approved for a higher credit limit increase and an apartment. I am disputing the accuracy and completeness of these accounts mentioned below and I would like the results of the investigation sent to me in the mail along with any method used to verify Remove Collection Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Update Late Payments to 100 % paid on time : XXXX XXXX
Consumer complaint received 2023-07-03
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. (GA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account.

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

XXXX XXXX XXXX FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

Mistaken Identity XXXX XXXX  Account Number : XXXX Delete this account. 

The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 2. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

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

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

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

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

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

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

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

12. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-07-03
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Quad Corporation, Inc. (NE)

It wasn't a option medicare partly paid for a medical bill. The only thing left to pay is the ambulance. The company quad corporation XXXX XXXX XXXX XXXX IA XXXX # XXXX sent me a letter with what seems to be blood dripped on it. Or red ink. It looks like blood because of a drop. All different sizes.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I reviewed my Consumer Reports and noticed that I had XXXX late payments on accounts that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the following accounts : XXXX XXXX : Account Number : XXXX XXXX XXXX XXXX : Account Number : XXXX XXXX  : Account Number : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and provide proof with statements showing that these late payments were late. If proof can not be provided, I demand these payments be updated as on time as they should because I was never late.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

AS OF XXXX  XXXX XXXX XXXX I MADE A DISPUTE TO COMPANY THE COMPANIES TOOK 45 days to respond!!! THEY ARE VIOLATING THE " FAIR CARES ACT " LAW REMOVE ACCOUNT IMMEDIATELY XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 100 % paid off Balance {$0.00} Balance updated XX/XX/XXXX Original balance {$26000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Status Account charged off. {$25000.00} written off. Status updated XX/XX/XXXX Original balance {$26000.00} Monthly payment - Last payment date XX/XX/XXXX Company sold XXXX XXXX XXXX XXXX Original creditor - Comments Purchased by another len Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THIS ACCOUNT DATE OPENED/DATE CLOSED/BALANCE/LAST PAYMENT IS IN ACCURATE THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL. RESPONSE DISPUTE DISPUTE RESPONSE! THE COMPANY TO OVER 45 days to respond this account must BE REMOVE IMMEDIATELY FROM MY CONSUMER REPORT AND CREDIT REPORT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

I received two hard inquiries on my Equifax Report on XX/XX/XXXX. One from XXXX Asking ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX. They both appear as Equifax XXXX inquiries and I have NO dealing with either company.
Consumer complaint received 2017-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This company keeps harassing me in regards to a debt that I do not owe. I have sent out a letter of validation to the XX/XX/XXXX. I have no contract with this company. The account that they are reporting was charged off in XX/XX/XXXX. I would like the collections account on my credit report from XXXX XXXX XXXX, XXXX to be deleted due to false information. I paid the original creditor " Capital One '' the remaining balance before it was sold to XXXX XXXX XXXX XXXX. 

account number:XXXX
Consumer complaint received 2023-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (TX)

I was on the XXXX site on XX/XX/2023. They advertised a free trial for XXXX XXXX. I accidentally accepted it but cancelled within XXXX hour. They billed me {$29.00} immediately. I called both XXXX and XXXX and neither would help. The XXXX account and app was deleted from my phone so I will not have access to the account during the entire billing cycle. Chase refused to credit my account for the fraudulent charge.
Consumer complaint received 2023-07-03
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. (FL)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2023-07-05
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. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (NY)

ive spoken with this company about learning my report day because I was wondering why they reported a high balance I was told make a payment on XX/XX/23 because they report on XX/XX/23 and I made my payment on XX/XX/23 for XX/XX/23 as I was told the XXXX is my reporting day. today which is the XXXX on XXXX I see the same high balance reported to my credit I called about on the XXXX and now is being toldbthat my report day was the XXXX and all they can say is sorry and wait 30 days for a new report. this is giving me a life hardship on my goals and leveling up my credit ive been a responsible consumer this company I hold me back with my credit and lie journey with there lies under 15 U.S.C 1611 - criminal liability for willful and knowingly violation I was lied to by this company while they prayed on my finances to get a payment out of me and currently being penalized by my credit bureaus for having a high balance.
Consumer complaint received 2023-07-05
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. (NJ)

I have had a collection from XXXX XXXX XXXX on my Transunion credit report for sometime. I was able to dispute it with XXXX and XXXX and they removed. Transunion has yet to provide the documents necessary to prove that they verified it was me. My identity was stolen therefore this was a cause of that.
Consumer complaint received 2021-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

My father passed away in late XXXX. He had a home with a mortgage being serviced by Wells Fargo. The home was passed to my sister and myself through probate. 
In XX/XX/XXXX, I called to inquire about the CARES Act and forbearance. I was told that as a potential successor-in-interest, I could enter forbearance. I had been paying the mortgage until then, and discussed what happens at the end of forbearance. I was told that I could tack the differed payments onto the end of the loan, pay them off in whole, or ask for a loan modification. I said I wanted to move the payments to the end, but was informed that it had to be done at the time you actually call to stop the forbearance. 
Towards the beginning of XXXX, I started calling to inquire about ending forbearance. I started being told I could no longer move the payments to the end of the loan because it was " not my loan ''. I explained that I was the one who entered forbearance, and was told how I could resolve it. I was told they stopped allowing people who inherited a house to move the payments to the end. I had ONLY two options : the first was to pay all the missed payments in a lump sum and then continue to making the payments as normal, or secondly, to apply with Wells Fargo for a new mortgage loan under my own name. I was told that Wells Fargo was only following XXXX XXXX XXXX rules ( who owns this particular mortgage ). I spoke with a XXXX XXXX representative, who explicitly stated that they do not tell Wells Fargo to limit a customer 's option for ending forbearance, and that all available options should be offered to me for any loan they own. Unfortunately, XXXX XXXX does not have the power to make Wells Fargo do the right thing, so referred me to the CFPB. I even contacted my U.S. Representative, though his office was unable to do anything for me than to contact XXXX XXXX. All I have been trying to do is to do what millions of other Americans have done- move the payments deferred under forbearance to then end of the loan. I do not have the money necessary to pay a lump sum of all deferred payments, nor can I ( nor would I ) apply for another entirely new mortgage with Wells Fargo. This bank needs to be held accountable for yet another way they have found to take advantage of their own customers.
Consumer complaint received 2020-04-17
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. (AZ)

I have several accounts that were absolved by my discharged BK and the credit company has not removed the tradelines even after multiple attempts to dispute them. The discharged rental debt still showed and as a result I have had to pay more in deposits for renting an apartment. 

It has also caused for auto denials stating that they are still able to see debts that should no longer be there. 

Furthermore my student loans were consolidated years ago and those tradelines have not been removed well past the statute date.
Consumer complaint received 2020-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (RI)

Mr. Cooper/Nationstar Attn : Customer Relations XXXX. XXXX XXXX XXXX, TX XXXX XXXX : Error in processing my mortgage payment resulting in a false credit report I am writing in response to your letter disputing the errors made in my mortgage account. I hope that this letter is clear and helps address the errors in my account otherwise I will have no other choice that to pursue legal remedies to address the discrepancies. 

Your response failed to provide detailed documentation to explain how the errors were corrected and you failed to provide supporting documentation to prove your answers with sufficient clarity. Here is what I am seeking to resolve this matter before engaging legal counsel. The following are details related to my mortgage payments. What I am seeking is a documented set of examples of how these matters were processed and resolved with supporting details. Failure to provide this level of detail will result in further actions. 

On XX/XX/2019 a check for {$3300.00}. was sent received by Nationstar Mortgage ( DBA : Mr. Cooper ). Please provide a policy or statement that was shared with me in advance that states that a partial payment that is received prior to the due date will be deposited into a suspense account and will result in a late payment and reported to credit reporting agencies. 
Please provide supporting documentation that shows how the {$3300.00} payment was attributed to my account inclusive of allocations to interest, escrow and principle payments if any. The attached documentation does not show the allocation nor does it provide a documented accounting of this payment. 
On XX/XX/2019, two checks were sent on the same date in the amount of {$3500.00} for a total of {$7000.00}. According to the statement provided by Nationstar both payments were treated was one payment. Please explain why one payment was not treated as a reduction in principle only? Why and how does two identical payments get processed for interests, escrow and principle when received on the same date of the month? No notice or correction has been made to my knowledge. Please provide documentation, policy and procedures for why both payments were treated the same. 
Provide documentation for how my principle account, my escrow account and my interest account was adjusted for this duplicate payment and whether an offset to these accounts were processed in accordance to your own policies and procedures. Supporting documentation is formally requested. 
Please demonstrate how Nationstar calculated my payoff to XXXX XXXX. Supporting documentation is formally requested. 

I would like to receive an answer in 30 days. If this documentation is not received in a timely manner I will request this information through legal counsel and corrective action as required.
Consumer complaint received 2023-07-05
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. (MI)

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.