davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (OH)

I have never done any type of business with XXXX XXXX XXXX XXXX, XXXX  XXXX  XXXX, XXXX XXXX. The accounts are errors and need to be removed at once. I am in the middle of closing on my new home and these errors are holding me up from my new home purchase. I have attached a copy of my ID and SS and a request for a
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the report active is inaccurate, and date last reported is inaccurate. This ground for removal also violated my rights under.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX Transunion XXXX XXXX
Consumer complaint received 2022-05-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Peterson Enterprises, Inc. (ID)

Peterson Enterprises Inc has repeatedly called and shown up at my property attempting to serve me for a debt that was paid. I paid it using certified mail having all the proper documentation. I will be moving forward and opening a lawsuit against them. 

The company called me XX/XX/XXXX after showing up on my property twice, asking if I would meet with them to be served for an already paid debt. On XX/XX/XXXX i went over all documentation advising the debt was paid. Then again for the third attempt the collector came to my property XX/XX/XXXX again attempting to collect and telephonically harassed my husband via his phone XX/XX/XXXX after already making telephone communication with me XX/XX/XXXX twice that day. 

I have cameras on my property and have detailed logs of the payment and each telephone conversation.
Consumer complaint received 2020-12-22
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. (GA)

XXXX XXXX reinserted an XXXX # XXXX account that was Deleted and XXXX XXXX acknowledge the account was Deleted as that information is listed other compliant. 

They have never provided Assignment of Debt, Method of Verification, and Validation of debt. I never received any mail about this debt and just because they stated they sent mail does not support their statement, please provide CERTIFIED MAIL RECEIPT showing I received mail, or delete off my account. 

I have a right to dispute an account before it's placed on my credit report.
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am reaching out to you today because I feel that TransUnion, XXXX, and XXXX  have violated the Fair Credit Reporting Act. I have been sending letters to the credit bureaus because I feel that there are a lot of items being reported improperly. I've been working diligently to get a home and all of these accounts are falsely reported. The investigations did not resolve my issue, and then the credit bureaus stopped investigating my accounts. Please investigate every account and its validity, I need this home and vehicle but these misreported items are solely hindering that.
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (WA)

This company is the only one that has messed up my credit report for their mistakes Loan Care / XXXX XXXX  Start of issues when Loan Care took over our home loan. 

I make my payments anywhere from the XXXX to the XXXX of the month before it is due. I was told this would not be a problem. ( I am only on Social Security so I can not keep the money in my account as it would be used up unintentionally. ) XXXX - @ XXXX - XXXX I had received a late notice and they put it to the change in providers and would take care of it. 

I had received another notification of lack of payment and called : XXXX - @ XXXX and spoke with XXXX about it and she said that there was a missing XXXX payment. I let her know that the payment had cleared my account month ago. Sent an email of the two ( 2 ) statements and she found that it had been put into the wrong account and that I had not changed the to the new number ... I had changed it all as soon as I received the notification of the new company with my home loan. Went through and deleted and re-imputed the same information with her on the phone. It was to have been all taken care of. 

XXXX - @ XXXX - XXXX XXXX I had received Another late notice ) found AGAIN that it had been put into the wrong account ... how I do not know so deleted the same information and re-input with her on the phone the account number it was to go to ... which is STILL the same one I had been using. 

She said she would take care of it being late. 

XXXX - @ XXXX - XXXX did not know so transferred me to the supervisor XXXX he said that the last call process had not been completed in XXXX by XXXX and was not under the proper format so accounting disregarded it. 

He said he was reworking this and would call me back in several days ... of course, I did not receive a call back but for some reason this is all my fault have been punished and cost me respect and the ability to deal with monetary issues that I have worked hard to have at my disposal. 

I had my hands full with my XXXX and her XXXX, selling her home and moving her so had not time to babysit what they were doing just kept making the mortgage payments. ( My mothers in an XXXX and now I can not afford to keep her there until medicaid goes through or my credit is repaired )
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

Id like to know why the elderly are being penalized for not having debt, in that their credit score declines as they choose to live debt free. 

My XXXX year old brother in law tried to have his mortgage lowered, ( a mortgage that was written illegally in XXXX XXXX, and they said, unfortunately we see low credit scores pretty often with older people because they dont have debt. 

How is this allowed to happen? 

I would like to request someone with the power to do so have a large discussion about this. Being debt free for someone born during the depression is supposed to be a positive thing, and to be punished via a low credit score is XXXX. 

For what its worth.
Consumer complaint received 2020-12-23
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)

On XX/XX/2020, this writer contacted XXXX XXXX XXXX XXXX to informed the credit union about NF fees charge to my checking account
Consumer complaint received 2020-09-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MD)

XXXXAMERISAVE MORTGAGE CORP made a Mortgage Inquiry by checking your XXXX  Credit File. When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months. I can sign in to Amerisave and see my SS # and I didn't give out my SS # to XXXX XXXX.
Consumer complaint received 2020-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (MN)

For about 3 weeks now wells Fargo has locked me out of my online account, They said there was suspicious activity and that's why they locked me out, they wanted me to answer questions yet later they asked me to verify 10 additional questions supposedly about myself after I answered them they said I got the incorrect answers.

After answering so many questions I would get access but after I answered more questions they transferred me to someone else who could not help but the same thing happened, so they elevated to another person. That first call I was transferred to 3 different levels then I was told the supervisor would call me, I waited a week and never from anyone so I called back. It started ball over and they insisted the way to solve the problem is to go into a branch, I was reluctant, I have been isolating myself, being elderly I want to stay safe, but after calling many more times I thought the only way was to go in and so I did. The same thing happened inperson and I still do not have online access to my online account.
Consumer complaint received 2020-12-23
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. (FL)

Dear madam or Sir ; I have been out the XXXX for time now. I decided to come back home to Florida to Purchase Property for me and my Family. I check my credit. I notice these accounts that I did not authorize. This is Fraud. I never had any Business with these Companies. Someone use my identity without my authorization This is Wrong ; Now I'm here dealing with the stress of being a victim of identity theft. something needs to done about the fraud in Florida with people Stealing identities and Companies are letting them get away with it
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I the consumer submitted CFPB complaint XXXX on Transunion LLC on XX/XX/2020 via CFPB portal. 
Transunion sent letter XX/XX/2020 Refuse to investigate unless provided letter from the court in which I provided in CFPB complaint XXXX along with evidence that showed that the public record was not reporting 100 % accurately and the same across all three bureaus. 
Transunion sent a second letter XX/XX/2020. Received letter XX/XX/2020 Stating that results are verified as accurate. Item is still reporting inaccurate on credit report and must be deleted immediately. 
XX/XX/2020 in CFPB complaint XXXX Transunion keeps stating in every CFPB complaint : " We may also need to contact the data furnisher to verify the current status of the account. If the item has been disputed previously and verified as accurate, we will review any new information you are able to supply to determine whether we can take action. Within 30 days, we will close out your dispute and advise you of the results in writing. '' 15 U.S. Code 1681 ( e ) ( b ) states " a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates ''. Transunion is not following reasonable procedures to assure accuracy of the public record that they are reporting on my credit report. Transunion claims that they verified the public record with XXXX XXXX XXXX GEORGIA. This court name is inaccurate and continues to report as U.S. Bankruptcy Court as XX/XX/2020 which is an inaccurate court name. I have provided factual based information in last CFPB dispute. In order to report a public record on a consumer 's credit report it must be reporting 100 % accurate. If it is not reporting 100 % accurately across all three bureaus it must be deleted via the Fair Credit Reporting Act.
Consumer complaint received 2020-12-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (NY)

I applied for a refinance of my mortgage on or around XX/XX/XXXX via my existing lender, NewRez Financial. I paid for an appraisal and received that appraisal on or around XX/XX/XXXX which confirmed home value. I also received conditional approval around this date as well. I have been emailing on an almost weekly basis to get updates on progress and received limited to no feedback. It is now XX/XX/2020 and I have no idea if the mortgage will be refinanced or if they are just trying to avoid completing. 

I am concerned they took my money, financial information and now don't seem to have an intention to close. This is now costing me money as I could have refinanced with another lender and saved over $ XXXX.
Consumer complaint received 2020-12-22
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. (VA)

The unverified XX/XX/XXXXXXXX XXXX XXXX # XXXX remain on my credit report in violation of Federal Law. I have never sign any contract with XX/XX/XXXX XXXX XXXX XX/XX/XXXX and you have not provided a copy of the original creditors documentation on file to verify that this information is mine and is correct. This company is involved in predatory behavior and still you continue to report inaccurate information affecting my ability to secure a mortgage to buy a property due to a low score causing a lot of emotional stress to my family and I. 
I demand the above account be removed immediately.
Consumer complaint received 2020-12-22
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$20000.00}, {$1100.00}, {$2100.00}, {$6300.00}, {$2800.00}, {$12000.00}, {$7700.00}, {$1700.00}, {$5700.00}, {$0.00}, {$860.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX, XXXX with a balance of {$1100.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXXXXXX with a balance of {$2100.00} -This is not my account. 

4.XX/XX/XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

5. XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

6.XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

7. XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

8. XXXX XXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX XXXX with a balance of {$1700.00} -This is not my account. 

9.XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- PERSONAL LOAN 10.XX/XX/XXXX IN with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 11.XX/XX/XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$860.00} -This is not my account.
Consumer complaint received 2020-09-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OK)

On XX/XX/2014, an account was opened on my name at XXXX XXXX ( somewhere in California, at that time I was living in XXXX ), and they billed me for {$820.00} ; however, I have never registered for this school. 
I sent multiple letters to this school ( and later to XXXX XXXX XXXX  ), and I have never received any answer from them with proof that it was I whom incurred in that debt. 
I also sent " 609 Letters '' to the Credit Bureaus '' and XXXX and XXXX efficiently performed an investigation and they already removed this charge. 
Unfortunately, Experian does not, and after numerous complaints and phone conversations along with long hours of waiting, its employees responded that " they do not investigate anything '' and I am the one who has to perform the investigation. 

After I remind a bunch of XXXX and XXXX XXXX  who ignore completely USA laws ), about the Fair Credit Reporting Act, 15 U.S.C. 1681 ; and they are liable to a lawsuit for libel and ... .they hung up!

Experian is the worst of the Credit agencies and it should not exist!! 

Please help me to arrive to a resolution on this case, because at this point the fact is that Experian is ruining and damaging my record, in addition, they also hindering the advance and progress of my economical future as a home owner. I can not buy anything ; and I lost great opportunities of investment because Experian refuse to perform an honest and thorough investigation. They have never sent me the results of my multiple inquires, or the 609 Letters that I sent. 

I know they won't investigate anything and I will be forced to file a lawsuit ; but before I do that ... .I beg you please help me. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-02-16
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: Bread Financial Holdings, Inc. (FL)

On XX/XX/XXXX we booked an XXXXXXXX XXXX  through XXXX XXXX XXXX ( XXXX XXXX ) located in XXXX Fl. and paid {$200.00} deposit using our Visa Credit Card for 2 people to the XXXX XXXX for XX/XX/XXXX. 
Then on XX/XX/XXXX we paid the remaining Cruise balance of {$2700.00} on our MasterCard credit card. 
Then on XX/XX/XXXX we noticed a credit of {$260.00} on our MasterCard statement from XXXX ( XXXX XXXX XXXX ) Then on XX/XX/XXXX we noticed another credit of {$310.00} on our MasterCard statement from XXXX. 
Then on XX/XX/XXXX XXXX XXXX XXXX sent out an E-Mail stating that due to unforeseen circumstances they had to cancel the XXXX XXXX Cruise reservations and will no longer be working with XXXX. They stated they could not discuss the reasons. Do to the cancellations XXXX XXXX XXXX is requesting a full refund of deposits and any other monies paid. She stated refunds have been initiated through XXXX and they will be issuing refunds to all. The ONLY refund we received was the {$200.00} deposit on our Visa. 
After not receiving a Full Refund we on XX/XX/XXXX called XXXX and spoke to ( XXXX a Refund Support Team Member ) asking him why we had not received the rest of our refund in the amount of {$2100.00}. He ask for our MasterCard # and then stated that our Credit Card money was used for an XX/XX/XXXX cruise to Hawaii for someone else. He stated that's why there were ( 2 ) credits issued on our Master Card statement because the XXXX  cruise did not cost as much as the XXXX XXXX XXXX that WE had booked. He also stated there is no refund due because the Cruise has already happened. 
( So we the customer unwillingly paid for someone else 's Cruise ) therefore our Credit Card was used Fraudulently. In XX/XX/XXXX XXXX XXXX of XXXX XXXX XXXX was accused of committing credit card FRAUD. 
XXXX also stated that XXXX XXXX committed credit card Fraud. Faced with a financial mess XXXX issued refunds but not to everyone. Some customers were told there payments went for trips that had already sailed which included us and many others. 
We at this point contacted our credit card Bank ( Comenity ) and disputed the charge because our credit card was used Fraudulently and that they should refund the monies we're out. They denied our claim stating it was not Fraud because we had given our credit card # to the merchant. We tried a number of times ( with supporting documents ) to explain that our card was used for someone else 's cruise. They continued to decline. 
We paid for services ( cruise ) that we did not receive! 
We have ALL the documents to support our complaint.
Consumer complaint received 2020-12-23
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. (OH)

I received a copy of my credit report and I am disputing some items that need to be deleted. The reason why these items should be deleted is due to I have not authorized the following accounts below. The Fair Credit Reporting Act Section 609 [ 15 USC 168Ig ] bureau should send me all application being denied according to the provision Section 612 ( b ) [ 15 USCj ( b ) ] meaning there should be no charge for this information. Accounts : XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX  # XXXX, XXXX XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXXXXXX XXXX XXXX # XXXX
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX SSN : XXXX | DOB : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 

Thank You, XXXX XXXX XXXX