davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After reviewing my credit report in detail at the XX/XX/2016 I noticed some aged and old accounts that I decided to dispute. I disputed several accounts that were reporting wrong and were past the 7 years from the first date of delinquency. I have sent over XXXX letters which I wo n't upload all of them but I will upload the most recent. I also contact the creditor people reporting the information and either the letters got returned or they did n't respond. This bureau sent results saying the found the account accurate after talking to the creditor.??? i 'm so confused because these people have n't sent me anything. From what I read the bureaus must complete an investigation and verify certain things with the source and respond within 45 days from date of receipt. I 've discovered multiple holes in their investigation process and I 'm not trying to get them in trouble I 'm simply trying to correct my report. Your site offers a section and I read the " first date of delinquency '' & " 7 years '' to where if it 's been 7 years from that first date you become delinquent then the account must be deleted. Majority of these account fit the guideline and there 's no way the bureaus " verified '' this. Very frustrating bc I feel like they are just trying to keep these account on my credit report so they can make more money on reporting premiums from the creditors who is their clients. As a consumer I feel completely ignored and violated. nOt sure if I 'm the only one but i 'd be willing to bet I 'm not. Hoping they correct some of these mistakes not just for me but for other americans. This has affected me personally bc I 'm trying to obtain financing for a vehicle.
Consumer complaint received 2015-12-30
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo treated me lousy as a new bank customer. 
I got charged XXXX overdraft fee and my account would not let me activate my credit card issued to me by Wells Fargo in order to further avoid additional bank overdraft fees and cover my negative balance. I asked Wells Fargo to credit those fees and they refused. They also refused to close the account when I asked them to close it. They said they would first ruin my credit and send my account to collections. Last time I do business with this bank for any of my transactions.
Consumer complaint received 2016-05-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (CA)

I took a loan with Wells Fargo. The principal is paid in full but they are still looking for {$320.00}. they are claiming that i was late paying but even if that was the case, i did make the payments and they should have gone towards late fees. instead, they added fees to the late fees ....
Consumer complaint received 2015-07-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Friendly foot care submitted payment to the wrong insurance and XXXX XXXX of payment crossed in dates that were during a chsngebin insurance company 's and coverage. The date of services I was on indiana XXXX. I got married and then changed my insurance to my husband 's. They billed the new insurance then we 're denied because no coverage for the date of service. XXXX was bill led for this and denied due to the dates billed for services. Th I bill should not have happened I had insurance through XXXXvwhen this service was provided. I did try to explain to XXXX and the collections that this was not my responsibility but they continued to collections.
Consumer complaint received 2023-05-10
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. (FL)

You are using XXXX XXXX XXXX to collect, furnish, share, disclose, publicize, and report information about me that has resulted from Identity Thief as defined by 15 USC 1681a ( q ) ( 3 ) ( 4 ). 

I have a right to privacy per the constitution and the Fair Credit Reporting Act, and to breach my privacy you must have expressed ( written ) consent showing that I agreed to have my information shared. 

As a result of your actions, I have been deprived of my right of contract and credit extension due to defaming my character. Resulting also in a substantial loss of income. 

This is my second attempt advising of the defamation of my character and my right to privacy being disregarded. Unless you can provide me with PROOF that the original creditor had lawful authority and or consent in accordance with 15 USC 6802 ( b ) ( 1 ), to share my information with you, and PROOF that I was given the option to opt out of having my information shared, I demand that your company immediately Block and or Delete all derogatory marks from my consumer report ( i.e., closed accounts, charge offs, late payments, credit utilization, repossessions, collections and evictions ) within 4 days pursuant to 15 USC 1681c-2.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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 2015-09-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi, I 've been making {$100.00} payments since rolling over my XXXX XXXX to XXXX. I rolled over my account at 0 %. I received a call from XXXX, XXXX XXXX, to readjust a monthly fee from {$100.00} to {$220.00}. I told the representative I had to go over my finances. After hanging up, I made a {$50.00} payment. I checked my account on XXXX XXXX, XXXX transferred {$220.00} without my permission. They also falsely reported I had missed a payment ; which is fraudulent according to both of our record. This has adversely affected my credit score.
Consumer complaint received 2016-09-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XXXX XXXX I sent disputes to Transunion regarding credit reports that were n't validated and needing to be removed. They were removed on XXXX XXXX per XXXX just to be placed back on XXXX XXXX. I 'm reporting the following XXXX These are the XXXX that were removed on XXXX XXXX.
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Earlier this year I had no inqueries in trainsunion. As of today XXXX/XXXX/16 I have multiple inquiries that are not mine. It appear trainunuon placed old inquiries on me
Consumer complaint received 2023-03-24
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. (UT)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (PA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-08-21
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. (TX)

I contacted Experian at XXXX - on XX/XX/2023, to inform them that I have an I.T.I.N and there are mixing my credit report with two invalid social security numbers. The social security numbers do not belong to me and are associated with mailing address that I have never lived at. They verified my full name and mailing address, that I have lived at my current address for 5 years. They state they see my profile but because I have an ITIN they can not remove the accounts that do no belong to me. They state they system dictates what can and can not be removed and although they can see that its a mixed profile they can not remove because I do not have a valid social security number. They state they will continue reporting as the system does not allow them to clean my profile with an I.T.I.N. This is now preventing me from purchasing a home. I asked to be transferred to the escalation department and was placed on a " hold '' sounds like I was just placed on mute with no eta when someone will take my call.
Consumer complaint received 2015-05-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc. (TX)

I contacted National Credit within 30 days via fax and mail I followed up and they confirmed they were still investigating the dispute The verification process had not been concluded nor a payment option offered before reporting to the credit bureau. This agency violated my rights to dispute and resolve the matter prior to reporting to credit bureau.
Consumer complaint received 2016-02-24
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

there was a fraudulent credit inquirey from one main financial. i filed a claim with you and the matter was resolved as fraudulent inquirey and was to be removed. you have the letter from one main financial in their reply to you. it is STILL on my credit report. I need it removed immediately please.
Consumer complaint received 2015-03-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company (FL)

Statebridge company LLC this mortgage company do not cooperate with anybody or anyone. 
After I fell in foreclose I did everything to try to save my home. Every where I went to do the harp program I did qualify for this program. But statebridge say differently. After reviewing all my income for this qualification which I got a proof. Statebridge still say no. So I did what anybody will do. Get it for short sale. They still gave short sale center an hard time for there cooperation. They refuse to help the short sale center for any information that they made need. Please help me Because I have a sale date for XXXX XXXX, 2015. I want to same my home and making the suitable mortgage payment. Thank you ....
Consumer complaint received 2015-09-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (FL)

I request a Credit Report from Experian on XXXX/XXXX/2015, at the same time XXXX request the same credit report from the same company, both were very different scores mine shows FICO XXXX, XXXX XXXX shows FICO XXXX, this discrepancies makes big differences at the time to set rates for Home Loan or Credit Card. In my humble opinion someone has to regulate the game that the credit report company has, XXXX with the consumer, the other with the vendor, is not ethical. 
The issue is that I ca n't print the report because give you an error.
Consumer complaint received 2017-03-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (VA)

I 've tried on several occasions ( dating back to XXXX 2016 ) to get this debt verified and proof that it belonged to me. I have not received a response or documentation showing proof that the debt belongs to me. I 've sent several letters requesting information pertaining to this debt and I have yet received a response or information I requested.
Consumer complaint received 2016-11-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (LA)

CFPB Request a review of the following account XXXX I requested to close this account due to poor customer service. XXXX had a pending credit transaction of {$99.00}. See attached e-mail from XXXX I paid the min due required at that time for the charge of the XXXX to XXXX to protect my credit rating Upon/once XXXX got the credit transaction processed from XXXX XXXX and closing my account as I requested. XXXX than refunded me the min due payment back as well closed the account as I requested. 3 months later after XXXX posted this on my Experian as a late pay for {$99.00}. A week or so later they added interested to the {$99.00} for a total charge of {$110.00}. 
I disputed the prior late pays as well requesting for documentation. So it appears that they now believe or claim that they never received the funds from XXXX. I contacted XXXX on the XX/XX/2016. I spoke with XXXX at XXXX who claims they ( XXXX ) request was made reversing the charge of the {$99.00}. He additionally claims that the transaction C/C shows that XXXX was credited the funds. 
Prior to XXXX reporting this false / incorrect information to Experian they had not or still have not reached out to me in any manner about the said debt ... .after closing the account as well marking the balance as {$0.00}. See XXXX reports most recent or prior reports for Experian and or XXXX. 
I would like to request an audit on my XXXX file providing all documentation regarding this matter/account. 

XXXX XXXX, LA XXXX XXXX
Consumer complaint received 2023-06-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (FL)

In XX/XX/2021 I request a telephone service with XXXX XXXX XXXX Which was an account opened under postpayment With my social security number paying a monthly payment Of the telephone service plus the equipment equipment Team which disappeared while sleeping in a shelter called XXXX XXXX in XXXX Florida, The account was opened in XXXX XXXX XXXX but after a few days I moved to XXXX due to the pandemic I was left homeless I only had about a month with the phone equipment when it disappeared though. Yes, however, assuming my responsibility and contract with XXXX, I called to report the stolen phone and report that I would continue to pay the debt for it Once in XXXX I went to an office directly from XXXXXXXX XXXX XXXX in XXXX XXXX .They notified me that there was a debt of approximately {$800.00}, which indicates that this was not the amount since I had barely a month with the account and that amount to debt was not possibleIn the store, they told me that the equipment was still active, something that I never understood because I reported it as stolen and apart from them, services such as television and others were still lined XXXX the store they literally ignored what I was saying and my hands were tied because I had no way to communicate with the company since I didn't have a phone and I didn't have money to buy another.After that telephone equipment was lost, I lost access to many things, such as my social security account, my ucis account, my bank account and many more, which has resulted in the, XXXX account XXXX account and Gmail account by then that was installed on the same phone but I was left totally incommunicado And if the access to all those accounts that were already included and open within the telephone equipment.Today a little more stable and with a little more access to my information I am seeing under my report behind and union that there is a collection account under AFNI # XXXXEntered by the same XXXX company under cable and cellular services for an amount of $ XXXXAnd I can honestly tell you that both personally at the XXXX XXXX XXXX I asked for a verification of it since I only had about a month with the service the phone at the time I tried and communicated the fact of what was happening .Having this information, I have tried to communicate with the company but it is impossible. It is always busy and there is no way to be able to communicate with it for that very reason. Well, I am writing to you and ask for advice or how to resolve this situation that really it has me worried Because apart from all this situation, I believe that my data was disclosed since online as
Consumer complaint received 2016-10-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MN)

I am a victim of identity theft and I received a fraud alert from Experian in reference to unauthorized and fraudulent inquiries listed on my Experian credit report. I should n't not have any inquiries listed on my credit report. The following inquiries are unauthorized and fraudulent : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX.
Consumer complaint received 2015-04-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (FL)

I am having issues applying for credit because of this fraud alert that is on my file. I have tried to log in to review my report to see what number is reporting to contact me and their website has changed the review report again link and it is not letting me view my report. I would just like to remove this fraud alert completely from my file. I have purchased a credit monitoring service and have guarded my report in this matter. Please remove the fraud alert from my file
Consumer complaint received 2016-10-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (MD)

I have called Experian numerous times to have hard inquiries that were not mine removed off my credit report. I have requested signed applications of proof of the inquiries posted to my credit report on XXXX/XXXX/2016 and XXXX/XXXX/2016. All investigations sent back to me case closed with no signed evidence that I applied for the credit. I also spoke with an Experian representative who put a fraud alert on my report on XXXX/XXXX/2016 and I have not received a response and it is past 30 days. I have also sent a certified, notarized letter to both Experian and XXXX on XXXX/XXXX/2016 requesting proof of inquiries or they must remove the hard inquiries. The certified tracking numbers are USPS XXXX and XXXX
Consumer complaint received 2015-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX wireless illegally tacked on late fees to my phone bill even though I paid for the usage on time, every time. The original late fee occurred because XXXX 's website was not operating properly when I made a payment. From that point on, XXXX tacked on an additional late fee every month because I refused to pay the original late fee due to their website glitch. The total amount in late fees is {$110.00}. XXXX sold this alleged debt to XXXX XXXX XXXX. I have filed numerous disputes with the credit reporting agencies only to be told that XXXX XXXX XXXX says that I owe this money. The credit reporting agencies have no paper work or XXXX billing from XXXX showing that this is a legitimate and legal collection. They are simply taking XXXX 's word that this money is supposedly owed. This {$110.00} in late fees is not owed. I paid for the services used on time and will not pay these false late fees. This is extortion. In contacting XXXX, I get a big run around, and, ultimately, they will not remove this false collection from my credit report. Since when do collection agencies tell the credit reporting agencies how to manage credit reports? This first complaint is against TransUnion. Attached please find copies of the bills in dispute.
Consumer complaint received 2017-03-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MI)

Hello, Ill try and make this short and sweet ... 
I have been diligently trying to get back money from my mortgage company for overages that I have paid the last 3 years. Bayview loan servicing has been collecting too much money for my escrow since XX/XX/2014, when they purchased my loan. I am a XXXX veteran who is tax exempt, I have the documentation from the county to prove this. EVERY TIME I call Bayview, I am pushed off to the next department with a different answer and a different resolution ; none of which has gotten me anywhere. I 'm XXXX. I do n't have the time, the resources or the patient for this treatment. I have asked a gal from my local credit union to help because Bayview has pushed me off time and time again, that its going to put me in the hospital. XXXX, my local banker has advised me to contact you to see if you can help. She has tried to fax, to upload, and to call when told to follow up the past 2 and a half weeks. She has had no luck. The last service representative she talked with, even hung up on her. She has been requesting an " escrow analysis '' of every transaction to date since they took over the account in XX/XX/2014. 
I want to know where my money has gone, why they have n't adjusted my payment to reflect the fact that I do not have to pay taxes. I want to know why this company pushes me off, I want to know why they wont help me. I just want the statement and I just want my money. Why as the " professionals '' will they not help? I pay my mortgage every month, on time. I have for the past 3 years while they have had my loan. I hope you can help me, I hope someone will hear my cry for help and make sure that this company does n't treat anyone else like this.