davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-04
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. (NJ)

have sensless information reporting on my credit thats not mones. student loan collection??? I need this removed from my credit.I feel the goverment dosent care about people and someone used my information h=getting this credit in my name I need it removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Potentially Negative Closed Account Name XXXX Account # XXXX Account Type Bank Credit Cards Balance {$860.00} Past Due {$860.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Unknown Account Name XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX Potentially Negative Closed Account Name XXXX XXXX XXXX  Account # XXXX Account Type Bank Credit Cards XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OK XXXX Potentially Negative Closed Account Name XXXX XXXX XXXX XXXX Account # XXXX Account Type Student Loans Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Unknown Account Name XXXX  XXXX  XXXX Account XXXX XXXX Account Type Other Collection Agencies Balance {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX , IA XXXX Potentially Negative Closed Account Name XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Account XXXX XXXX Account Type Federal Government Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Closed Mo. Payment {$0.00} Payment Status Paid, was a collection account, insurance claim or government claim or was terminated for default XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Potentially Negative Closed Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account Type All Banks Banks and S & Ls Balance {$860.00} {$860.00} Past Due {$860.00} {$860.00} Date Opened XX/XX/XXXX XX/XX/XXXX Account Status Closed Closed Mo. Payment {$0.00} {$0.00} Pay XXXX  XXXX  A XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Unknown Account Name XXXX XXXX  XXXX Account # XXXX-XXXX Account Type Factoring Data Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Potentially Negative Closed Account Name XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account Type Federal Government Balance {$0.00} {$0.00} Past Due {$0.00} {$0.00} Date Opened XX/XX/XXXX XX/XX/XXXX Account Status Closed Closed Mo. Payment {$0.00} {$0.00} Payment Status High Balance {$2600.00} {$4000.00} Limit {$0.00} {$0.00} Terms P XXXX 036 Months Comments STUDENT LOAN ASSIGNED TO XXXX XXXX XXXX Account # XXXX Account Type Collection services Balance {$2600.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Mo. Payment {$0.00} Payment Status High Balance {$0.00} Limit {$0.00}
Consumer complaint received 2018-08-04
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)

In a recent dispute, the results came back verified. 

1. I cant imagine what legal precedence you have that would allow you to report [ Ref # XXXX US BKPT CT XXXX XXXX ]. I called the court and was literally told that they dont verify, validate, furnish, produce, etc., any public record info with you guys. Technically, theyre the original creditors you need firsthand knowledge! 

Delete it and send me a new report. 

2. Can you please explain to me why they are reporting that I have a balance. From what I understand, they write off a portion on their taxes and get paid by their insurance, so why would I pay this too? So they get double paid? 
[ XXXX XXXX Acct no. XXXX ] [ XXXX Acct no. XXXX ] Delete this immediately. 

3. Arent you supposed to have copies of my signed documents in a file there? Well considering that I dont know [ XXXX XXXX XXXX or XXXX XXXX XXXX ] is, I need you to send it to me. 

Thanking you in advance.
Consumer complaint received 2018-08-04
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)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. Bankruptcy Dismissed Ch XXXX Acct XXXX, XXXX, XXXX ( XXXX, XXXX and Transunion ), XXXX XXXX Acct XXXX ( XXXX, XXXX, Transunion ), XXXX XXXX Acct XXXX ( XXXX, XXXX, Transunion ), XXXX  XXXX  Acct XXXX ( XXXX  ), XXXX XXXX Acct XXXX ( XXXX ), XXXX XXXX Acct XXXX ( XXXX ), XXXX XXXX Acct XXXX ( XXXX, Transunion ).
Consumer complaint received 2018-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: SYNCHRONY FINANCIAL (TX)

I have a hard inquiry on the credit report provided by PayPal. I spoke with XXXX who stated that I should send over a fax and include my date of birth and the last 4 of my social and the home address and the billing address and the reason for the removal of the hard inquiry. I asked him how I would be compensated for the fact that there was a hard inquiry on the he asked me to send the fax and that upon receipt of the fax I would be compensated by having the hard inquiry removed. I then asked to speak with a supervisor her name was XXXX. What was stated was that it was general common sense that Paypal or any company is not responsible for any hard inquiry that was fraudulent reported. She stated that it is general common sense and I proceeded to ask her for the mailing address to get a record of the phone call. She informed me that I would need some type of document indicating that I gave up my right to privacy and now I would need a lawyer to recover the phone call and the ip address on how the hard inquiry generated. Please assist me, companies should have some type of safeguard or some type of practice that provides clarification of the individual attempting to apply for credit with paypal. Common Sense. Why would she mock me and then accuse me of mocking her. What is common sence????
Consumer complaint received 2018-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Experian Report # XXXX Date XX/XX/18 Personal Information as XXXX XXXX  XXXX XXXX XXXX XXXX XXXX PA XXXX is correct all other of this address should be deleted/ removed and there should be no 2 same address showing. It seems Experian does this every other month putting or creation information not correct on there part.
Consumer complaint received 2018-08-04
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. (NJ)

I contacted the bureau and creditors many times about how and why this information is on my credit report I have not business with any of these accounts. Im XXXX from XXXX XXXX. I ca n't drive and I don't apply for loans I'm on a fixed income here. please help remove this information from my credit please.They don't listen to me ever. XXXX bless XXXX XXXX XXXX Status Closed Balance {$1600.00} Type Collection Payment Status Late XXXX   XXXX XXXX Status Closed Balance {$1700.00} Type Collection Payment Status Late Do you see errors in your report? SEE OUR DISPUTE GUIDE XXXX XXXX XXXX Status Closed Balance {$0.00} Type Installment Loan Payment Status Paid XXXX XXXX XXXX Status Closed Balance {$4000.00} Type Installment Loan Payment Status Late XXXX XXXX XXXX CO XXXX Status Closed Balance {$16000.00} Type Installment Loan Payment Status Late XXXX XXXX XXXX XXXX Status Closed Balance {$7100.00} Type Installment Loan Payment Status Late XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Installment Loan Payment Status Paid
Consumer complaint received 2018-08-04
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. (AL)

I filed a dispute with Equifax about a bankruptcy that is reporting on my credit report, I dispute the debt and the validity of it being verified. I mailed the letter from the court saying that no one has verified the validity of the bankruptcy and mailed it to Equifax as well. They are still reporting this information and refuse to remove them unverified information.
Consumer complaint received 2018-08-04
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. (NY)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.
Consumer complaint received 2018-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have tried to open an on-line dispute on several accounts with both XXXX  and TransUnion. Although I can get a credit report, it will not let me use the on-line dispute center and without it nothing gets done. Finally, I gave up and filed blind dispute over the phone an email. 

The confirmation number is XXXX for XXXX, I do not have the conformation number for Transunion. 

Today I was finally able to get through to the Transunion Dispute Center, lo and behold they show no disputes! Even though I have a record and dates that filed them, even the chat log, while discussing.

This is a deliberate attempt to block people from correcting the record ; they are working with the criminal and harassing " Collection Agencies ''. I had a dispute on over 12 items ( Medical ) ; disputing the same accounts in the other credit agency!

I demand an updated Credit Report from all three agencies immediately, along with a list of all disputed accounts or records with their statuses and tie to completion.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (LA)

I have never missed payments with XXXX XXXX XXXX  YET THEY NEVER REPORT ON TIME PAYMENTS LIKE THEY SHOULD. THIS IS RIDICULOUS CONSIDERING THE AMOUNT OF INTEREST THEY CHARGE. I WILL BE TAKING MY BUSINESS ELSEWHERE AND DOING A REFI
Consumer complaint received 2018-08-03
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: Consumer Portfolio Services, Inc. (MD)

I disputed an inquiry that was falsely made by Consumer Portfolio Services. This credit inquiry was made on XX/XX/XXXX. I sent a letter to the creditor via certified mail on XX/XX/XXXX this letter was returned, I think their address was changed or they relocated, I tried a 2nd time by resending the same letter I previously sent on XX/XX/XXXX, this letter was sent on XX/XX/XXXX which was received on XX/XX/XXXX, this company did not respond to my letter. I did not authorize anyone employed by Consumer Portfolio Services to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.
Consumer complaint received 2018-08-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ZARVAD III S.A. (OK)

I have been trying to pay this loan off since XX/XX/XXXX. My mother was paying it off for me we sent the info needed and her bank released the money they thought it was a fraud at first. But this company says its declined. I tried to pay today with my paycheck card and they say it declined which is not true the money is there. Everytime Ive tried they say it doesnt go through. They are charging me XXXX everytime they say it declines and a XXXX late fee every two weeks. So my loan that was XXXX is now XXXX.. of course they dont want you to pay it off
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

I have contacted this company several times along with disputed with all XXXX bureaus and they refuse to remove the account or provide documentation showing proof this is my account. I am a victim of identity theft and I have fraud alerts on all bureaus. I was able to get all fraudulent and inaccurate information removed off my account BESIDES this XXXX and I am demanding removal and or proof of validation. I do not recall ever opening a XXXX XXXX XXXX credit card and its been messing up my credit for YEARS. Credit bureaus need to do something
Consumer complaint received 2020-10-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Midwest Loan Services, Inc. (MI)

Applied for mortgage furlough under cares act during my covid unemployment. Based on the request payment stopped withholding for Month of XXXX, XXXX & XXXX. Since I went back to work from XXXX, I have requested the payment to start with back withholding. The mortgage company still didn't collect any payments as of today XX/XX/XXXX. I have called them many times, worked with their loan officer. Finally got a payment deferral agreement, signed and returned back last month. They are still not collecting any payments ( due date was XX/XX/XXXX ) and it destroyed my credit score. I have been requesting them to start payment since XXXX and its XXXX And they have not collected any payments yet. My fear is getting foreclosed by them. I hope I can get their attention through this complain to get it resolved.
Consumer complaint received 2020-10-26
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: M&T BANK CORPORATION (NY)

I had a co-op mortgage in XXXX from XXXX XXXX in XX/XX/XXXX that was assigned to M & T Bank via XXXX XXXX via FDIC. I sold the property and discharged the mortgage in XXXX. The mortgage still appears on my UCC forms in XXXX, even though common sense tells you that I'd have refinanced a high rate or that a 30-year obligation would have come due. Nobody bothered to file the forms.
Consumer complaint received 2021-01-15
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings (NM)

I looked at my credit report in 2020 & saw I was being wrongfully/in-accurately charged, so i decided to reach out & dispute with Ad astra Recovery Services about the incorrect/inacurate balance owed. Once This inaccurate debt started posting on my credit report through Ad Astra Recovery Services I made multiple attempts to reach out to Ad Astra Recovery Services & told them " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. ( you being : Ad astra Recovery Services ) Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. '' no proper evidence was ever sent to me providing my signature showing that I owed, or was in debt, or ever have been in debt with Ad astra Recovery Services. Dates attempted to reach Ad astra Recovery Services were XX/XX/2020 & XX/XX/2020 ( Via certified mail ) Account # XXXX
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello my name is XXXX XXXX XXXX, I have looked into my credit report and I have some concerning issues considering the information being reported in my credit report. I have looked into the Fair Credit Reporting Act and I have to question some of what it is I am seeing being reported in my name. How can child support be reporting on a credit report when its considered to be a Judgement from the courts.
Consumer complaint received 2020-10-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NV)

I currently have a mortgage with Wells Fargo Home Mortgage. I've had this mortgage for 12 /12 years, which I am trying to refinance since I divorced my wife and it's a stipulation on the divorce decree. The home is worth close to {$700000.00}, the amount left on the note is approximately {$270000.00}. I started the refinance process back in XX/XX/XXXX and Wells Fargo keeps asking for documentation that I have provided time and time again. Back in XXXX my now ex-wife and I filed for bankruptcy and the bankruptcy was discharged in XX/XX/XXXX. The bankruptcy doesn't even show on my credit report anymore, but since my ex-wife 's name was on the current mortgage, I was asked to provide a copy of the divorce decree that showed that she didn't have any interest on my home. Wells Fargo keeps asking for documentation on the bankruptcy, which I have provided, which at this point is irrelevant, and XXXX XXXX, the so called Home Mortgage Consultant keeps ignoring my e-mails and phone calls. At this point I know that this is discrimination, because when I was married to my ex-wife who's XXXX, we had no issues with Wells Fargo Home Mortgage, but now that it's only me, who I'm a XXXX person, I get no responses and keep getting ignored.
Consumer complaint received 2021-01-15
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: Southwest Credit Systems, L.P. (IN)

This Dispute started in the spring of XXXX with XXXX XXXX. After over 15 years of service from this company I dealt with misleading information, fraud, lying, breaking of contract agreements on their part, and horrible service. I decided I had enough after trying to resolve all the issues and disconnected their service. They have tried to collect a disconnect fee of {$230.00} ever since XXXX. First by sending it to the collection XXXX XXXX in the spring of XXXX. This resulted in my Credit Score being lowered by all three Credit Bureaus. I then filed a dispute with all three and XXXX. All three credit bureaus removed the report and XXXX dropped the collection. 

Now here we are a year later and XXXX simply moved the collection fee to a new collection agency Southwest Credit. Again my credit score was lowered and now I am disputing this unreasonable charge with them and Southwest Credit. At this time XXXX and XXXX  have again agreed to remove the report, but for whatever reason XXXX is still being difficult even though they had no problem removing it last year. I have appealed their first decision and filed a second dispute with XXXX. I have also told Southwest Credit I will not pay the fee and informed them of the history of this collection. 

Below is an outline of some of the issues. I will attach and upload some supporting documents, but many were destroyed last year after I thought the issue was resolved. 

The original Creditor ( XXXX ) charged the fee as a disconnect charge I did not agree to pay. 

XXXX service was disconnected as a result of their horrible service, fraud, misrepresentation of their contract, lying, and a total dissatisfaction with their organization. 

This same collection popped up last year and XXXX, XXXX, and XXXX removed it from their files and the collection agency XXXX dropped it as well. Regarding the current collection issue with Southwest Credit, XXXX is dragging their feet and Southwest Credit will not drop the collection apparently. 

I had several other documents supporting this dispute but they were destroyed over a year ago when all credit reporting agencies and collection companies had taken this issue off their records. 

I hope your organization can assist in ending this matter permanently as it had been a nightmare and t do not want to continue filing disputes and appeals.
Consumer complaint received 2020-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (CA)

In XXXX of 2019 XXXX took over control of rewards dispersal for their XXXX Visa card ( from Barclay 's ). They supposedly notified customers of the change in terms and conditions, however I did not receive notification. Apparently I can no longer apply my rewards to my credit card balance and MUST use them on XXXX services only. I have {$520.00} in XXXX cash rewards, which equates to over {$50000.00} in spending on that card. It is not feasible to use $ XXXX on XXXX services when I live in an area that DOES NOT PROVIDE XXXX SERVICES. I contacted Barclay 's today and was told I'd have to take it up with XXXX, since they can no longer disperse those funds. I've done everything I can to find some way to contact XXXX, however they seem to not want to interact with the public or provide customer service in any way.
Consumer complaint received 2020-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (TX)

I have been repeatedly targeted for the American Express Gold card and have been denied due to being a customer too briefly, which seems to be an arbitrary reason. Some other new customers are given two cards on the same day without a prior relationship. My other denial reason has been too many inquiries, despite one of them being a fraudulent inquiry, for which a dispute was not resolved.