davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/23, I made a total of 6 disputes with Experian and 5 of the same disputes with XXXX. XXXX is closing disputes as paid with {$0.00} balance owed while Experian is closing disputes and reporting that creditor is stating amount still owed. 

Experian accurately updated a XXXX XXXX loan to reflect a XXXX balance and days later it now reflects full amount owed status again. XXXX accurately closed furniture retail card dispute to reflect a {$2000.00} balance to a {$0.00} balance. Experian inaccurately closed dispute for same creditor from {$2000.00} balance to a {$2.00} balance. XXXX closed XXXX XXXX  car loan dispute from {$2000.00} balance to {$0.00}, while Experian closed dispute stating creditor reported amount still owed. 

Since XX/XX/23 I have been trying to upload proof of disputes to the Experian website with no luck. On XX/XX/XXXX I spoke with two very rude dispute Experian dispute reps, one which promised a supervisor call back that I never received. I spoke with Experian dispute rep XXXX on XX/XX/23. I explained my frustration and concern that every dispute to Experian is coming back inaccurately resolved, while XXXX is showing resolved for the same disputes. XXXX stated maybe I selected the wrong dispute reason. I explained I disputed accounts using account paid in full, and I believe this reason was self explanatory as to what I am disputing. I further explained how weird it was that XXXX is providing accurate creditor response and Experian is closing every dispute showing inaccurate creditor response. XXXX then stated maybe I should try disputing again using a different reason.
Consumer complaint received 2019-12-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CASHCALL, INC. (FL)

In late 2013 I was late paying off a loan to Cashcall. I talked to someone who said if I sent {$100.00} now + the remainder of the money I owed in a couple of weeks ( I believe ) that my debt would be paid. I did that, I sent {$100.00} and the remainder of the debt. I went on with life assuming it was done, and I get contacted again and they want another {$2500.00} + in interest accumulated on the {$100.00} I failed to pay. I did pay that, I paid what I was asked to pay. Now they want me to pay this ridiculous amount in fees and I refuse. They have filed a negative credit report on me, and now it's ruining my credit through no fault of my own. I have all of the email correspondence between me and Cashcall in this matter. I am just having an issue accessing them to post here, but I have them and can and will be able to send them all later
Consumer complaint received 2019-12-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Settlement for sale of XXXX shares of XXXXs was completed on XX/XX/XXXX for a net total of XXXX. 

Wire transfer from HSBC bank to XXXX XXXX XXXX XXXX  account initiated on XX/XX/XXXX but amount has not been received. 

Multiple calls to XXXX XXXX XXXX and HSBC initiated between XX/XX/XXXX and XX/XX/XXXX yielded zero new information or retrieval of funds.
Consumer complaint received 2019-12-18
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit, Inc (NV)

My attorney received a letter from XXXX  on XXXX XXXX stating that the account from VW Credit was no longer on my credit file. I reviewed my credit file on or about XX/XX/2019 and VW Credit account was still on XXXX. This account was settled though a lawsuit against VW Credit, and they paid off the account in full, yet it states on my credit file as a collection/chargeoff, and unpaid balance reported as a loss by credit grantor ( see attach ) Also on XXXX, it's showing as Repossession, as oppose to showing as a paid off vehicle ( see attach )
Consumer complaint received 2019-12-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Requested specific reasons for denial of mortgage application in writing from loan officer at Bank of America on XX/XX/19. Did not receive a response. 


In accordance with the equal credit opportunity act ECOA : " specific reasons why your application was rejected. The lender must give you the specific reason for the rejection or tell you that you have the right to learn the reason if you ask within 60 days. An acceptable reason might be your income was too low or you havent been employed long enough. An unacceptable reason might be you didnt meet our minimum standards. Thats not specific enough information. ''
Consumer complaint received 2019-12-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: State Home Mortgage (GA)

My mortgage company will not answer phone calls no matter what time of day. On very rare days that I am able to speak with an representative their never able to answer any questions from lack of knowledge, i guess. I'm on hold for long periods of time and still in able to speak with an representative
Consumer complaint received 2019-12-13
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. (MD)

Hi, I reached out to TransUnion concerning inquiries that were on my credit report they transferred me to a couple of departments and were unable to assist me. The following is the list of inquiries : XXXX XXXX - XXXX XXXX, 2019 XXXX XXXX XXXX XXXX - XXXX XXXX, 2019 XXXX XXXX - XX/XX/2019 2019
Consumer complaint received 2019-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (ID)

We paid off a credit card with Wells Fargo in XX/XX/XXXX! The last XXXX was paid of by XXXX credit card transfer. We did not close the Wells Fargo card but since it was paid off we have never received a single statement or billing in the last five years. There was no attempt by Wells Fargo to try and collect this account and we never made any payments on this and never received a billing or an attempt to collect this account and we would have never known about it except we put an application to another credit offer and was refused because of a charge off! .......What charge off ? So we went to XXXX  where this credit company had gotten their information! There at the top of my report was this charge off by Wells Fargo!......We had no communication with Wells Fargo since that account was paid! In fact I got a Mortgage from Wells Fargo and it never came up. I bought a new car in XX/XX/XXXX from XXXX XXXX XXXX and there was no mention on my credit report of any account from Wells Fargo......I have had and still have my main checking account at Wells Fargo for the last thirty years. I get statements from them all the time.I also have a line of credit on my checking that I also have not used since XX/XX/XXXX.
  There is no reason why Wells Fargo would not at least bill me if I owed them for this account and since I am very well established financially why would they not make an attempt to collect this account instead of charging it off?
Consumer complaint received 2019-12-11
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: Experian Information Solutions Inc. (CA)

I recently had my credit profile pulled. Upon looking at this report I have noticed there are accounts that are not mine AND accounts that were never late. PLEASE SEE ATTACHED POLICE REPORT.

I sent your bureau a dispute letter in regards to these accounts on XX/XX/XXXX and XX/XX/XXXX asking that they be removed. Please note response should have been provided by date XX/XX/XXXX. I have not received report and Experian is over the time frame required to submit report to me. Please refer to the attached Experian XX/XX/XXXX dispute letter sent to them.
Consumer complaint received 2019-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (VA)

On XX/XX/2019 I contacted the company and asked them that I would like to take over my property tax and home insurance.The company refuses to accept my request.There are saying that my loan is not setup this way.Pls help me resolve this.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have those derogatory accounts removed from my credit file.
Consumer complaint received 2019-08-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filed for bankruptcy chapter XXXX on XX/XX/2018 my attorney included all my debt I was told that I could reaffirm my auto loan with XXXX XXXX XXXX XXXX   I contacted XXXX & I was told I would be contacted by there BK dept in reference to my reaffirmation I was told within 30 days, 30 days 60 days 90 days past no response during this time I was in bankruptcy till my case was discharged onXX/XX/2018 no payments were made on my truck during that period & no credit reporting was made from XXXX  thru XXXX. After my discharge was received I asked my attorney what I was too do with my vehicle loan he said begin making your payments so I did I made all my payments on time monthly after my discharge in XX/XX/2018 I was told I was 4 months past due that during my bankruptcy I was too continue making payments well I was not informed nor notified of this from anyone! I paid XXXX $XXXX in payments in XX/XX/2018 to satisfy the account yet the reported my account as derogatory late more than 90 days when I was in bankruptcy
Consumer complaint received 2019-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have those derogatory accounts removed from my credit file.
Consumer complaint received 2019-12-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I HAVE AN  ACCOUNT WITH BANK OF AMERICA; I PAID XXXX DOLLARS TO THE XXXX XXXX COMPANY. I ENROLLED IN ONLINE BANKING TO FOLLOW EXPENSES, THE XXXX  BALANCE SHOWES A POSITIVE AMOUNT THEY CHARGED 9(XXXX$) XXXX DOLLARS IN FEES. THE BANK OF AMERICA ON XX/XX/19 INFORM  ME THAT SOME TRANSACTIONS ARE NOT SHOWING. TODAY I STILL HAVE A HOLD $XXXX. NOW I'm IN A FINANCIAL CRISIS BECAUSE MY ACCOUNT WENT NEGATIVE AND MY  MONEY IN THE ACCOUNT STILL PENDING. THE BANK OF AMERICA  KEEP CHARGING OVERDRAFT FEESPLEASE HELP ME TO CORRECT THIS ISSUE AND GET MY ACCOUNT CURRENT AND POSITIVE !!THANK YOU FOR TIME AND CONSIDERATION                                                                                 XXXX XXXX                                                                                    XXXX XXXX
Consumer complaint received 2019-12-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

I was checking my credit score today and I saw some Enhanced Recovery Company has opened a collection account on my credit report on behalf of XXXX XXXX XXXX XXXX which caused a drop of 20 points due to a collecting account been opened on XX/XX/2019 stating I owe them XXXX dollars as a debt. First of all i dont know who that collector is nor I received any type of correspondence in writing notifying me regarding the debt. Today I called the Enhanced Recovery Company and talked to the agent XXXX XXXX. She looked up my name along with my last 4 digit social security number my area code and the city I live in she still couldnt locate me in their system. I filed a similar complain against XXXX XXXX XXXX XXXX in XXXX when XXXX XXXX tried to collect the debt of same amount I dont owe to XXXX XXXX XXXX XXXX and they removed the collection account. This is the second time XXXX XXXX XXXX XXXX is illegally destroying my credit score. I request to immediately remove this collection account from my account and restore my points.
Consumer complaint received 2019-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

On or about XX/XX/XXXX, I incurred a debt with XXXX XXXX owned by XXXX XXXX XXXX XXXX.  I received my last billing notice about XX/XX/XXXX.  I made no further payments.  XXXX XXXX XXXX XXXX SOLD my debt to PORTFOLIO RECOVERY ASS, LLC.  The Florida Statute of limitations ran XX/XX/XXXX, I was absolved from this debt according to law.  Between XX/XX/XXXX and XX/XX/XXXX, I corrected my credit issues and purchased a home with a mortgage.  There were no collections on my credit report at this time.  By approximately XX/XX/XXXX, PORTFOLIO RECOVERY ASS., LLC, contacted me in an attempt to recover this debt.  I filed a complaint with both Credit Bureaus.  I was informed that this debt was on my credit report since XX/XX/XXXX, which is clearly incorrect.  I have attempted to work with PORTFOLIO RECOVERY, without avail.  This blemish needs to be removed from my credit history immediately.
Consumer complaint received 2019-12-11
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. (AR)

i have been a victim of identity theft and have been working on this for several months. I have been disputing an account on my credit report from a XXXX/XXXX with Equifax and have sent several certified letters. They keep stating that this account has been verified which it cannot be verified when its not mine. i am now to the point of a lawsuit agaist them if its not deleted. Please HelpXXXX XXXX
Consumer complaint received 2019-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have been having issues with bogus and fraudulent addresses appearing on my credit file that I do not recognize. My full name is XXXX  XXXX. XXXX please remove any other variation of my name. My DOB is XXXX-XXXX-XXXX SS XXXX-XXXX-XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX.XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, MI XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2019-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (IA)

I received the account on my credit and this account is from 2013 when my ex husband took out the account in my name, this account is not mine and it took 6 years to show up on my credit, i can send proof of my identity theft affidavit.
Consumer complaint received 2023-05-12
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NC)

University of XXXX  has continued to report negative information in my credit file. They have failed on many attempts to provide validation indicating that this account belongs to me. Furthermore I received notification from XXXX XXXX and equifax that the account has been removed from my credit file; it’s still showing on my credit report. This account needs to be removed from my entire credit file.
Consumer complaint received 2019-12-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (MI)

On XX/XX/2019 PayPal put a temporary limitation on my account after I received dividend payments into my account. I was asked to provide personal info : Drivers License, Bank Statements, reason for transaction. They informed me they would review the statements and lift the limitation and allow me access to my money within 5 business days. Today it has been 10 business days and the limitation has not been lifted and no response from them on reason why. I have called several times to Customer Service and they can not tell me why. To withhold someone's money that does not belong to you constitutes fraud. I need my money to pay bills. I need my money released. PayPal does not own this money to withhold it they are a payment service.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OK)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-11
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: EQUIFAX, INC. (MO)

Equifax and XXXX  are reporting incorrectly an account where I am shown as an Authorized User on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-05-12
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.