davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$5900.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2200.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$12000.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$12000.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$11000.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report. 

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, Experian, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OK)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Inquiries : 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 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 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (VA)

For the past several months, my credit report has shown multiple unauthorized inquiries that I did not approve or initiate. I have contacted the companies responsible for these inquiries but have not received satisfactory resolutions. I am now seeking the removal of these inquiries from my credit report as they negatively impact my credit score and were made without my consent.
Consumer complaint received 2020-04-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A. (FL)

Im trying to use XXXX XXXX to pay my rent but it says PNC will not allow it.. I need as much help as I can get during this pandemic & my bank is stopping me.. thats not right. I have a newborn  to care for.
Consumer complaint received 2020-04-28
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. (GA)

The bureaus are reporting inaccurate information on my credit report. They are reporting recent lates on my credit file for XXXX and XXXX on student loans on Department of Education. I was never late. I have talked to department of education and fixed it with them. They should not be reporting this on my credit and this needs to be fixed.
Consumer complaint received 2020-04-27
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

My husband stole my identity after we married, as the trustee of my Trust and began taking out mortgages and HELOC 's against the equity in my Trust. His best friend ( XXXX XXXX ) owned his XXXX XXXX, The Mortgage Connection and so he processed the loans and then my husband used an escrow officer ( XXXX XXXX ) at XXXX XXXX XXXX to have us sign quit claim deeds to move the money in and out of my Trust. I was an XXXX on a temporary visa and so I was afraid to challenge or report my husband for fear of XXXX. He continued to purchase and sell Real Estate and take out hundreds of thousands of dollars from my Trust. Twenty years ago, identity theft and mortgage and title fraud was something that I was not familiar with, and as my husband I " trusted '' him, yet I was also fearful and scared of any retaliation if I did not submit to him. He refinanced my Trust in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX to the tune of approximately XXXX XXXX dollars. At no time did I ever initiate contact with XXXX XXXX, XXXX XXXX, nor initiate any Real Estate transactions. He was never the Trustee nor a beneficiary to my or my mother 's Trust. My sister sued me in XXXX for the Conversion of my mom 's Trust ( which is stacked on top of mine ) and at that time I became fully educated as to the extent of his criminal behaviors. He has refused to cooperate however with the civil and divorce courts. XXXX XXXX, Special Master has perjured himself in the divorce courts. XXXX XXXX XXXX has silenced my testimony and evidence. His lawyer XXXX XXXX XXXX has submitted false statements to the court. I have filed for identity theft with the FTC, IRS, FBI, the AG office, Organized Crime of XXXX Police, SSA and the DHS. My husband fraudulently brought me from XXXX on a Petition for an Alien Relative and instead of supporting me, he has stolen hundreds of thousands through mortgage and title fraud.
Consumer complaint received 2020-04-28
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX XXXX {$150.00}
Consumer complaint received 2020-04-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Applied for HELOC on or around XX/XX/XXXX. I received a call from Bank of America agent reviewing my application which was basically in order. 

I was asked what the loan was for, which I replied home renovations. Then I was asked if I had started. Which I replies yes since it took about 10 weeks for Bank of America to even call me about my application. At that point the agent stated that she could not proceed with the application due to the fact that I started construction. I then stated that there was additional construction that I had not started that I would be applying the funds to. The agent said that since I was on the recording stating that I had started some construction, that she could not proceed with a loan. I asked to speak to a manager and was told - none are available. 

It is my belief that Bank of America tried to trick me in order to not approve the HELOC.
Consumer complaint received 2021-02-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia (VA)

I was never notified that my account was going to collections. I could have paid the account in full before going to collections. This is unfair practices and unprofessional. I paid the debt owed in full and should not have been charged collection fee if I was not notified.
Consumer complaint received 2020-06-12
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. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX XXXX {$2600.00} COLLECTIONS XXXX {$82.00} XXXX  XXXX {$220.00} XXXX XXXX XXXX {$890.00} XXXX   XXXX XXXX {$610.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$300.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}
Consumer complaint received 2020-06-11
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX {$0.00} XXXX {$1200.00} XXXX {$0.00} XXXX {$1200.00} XXXX {$7300.00} XXXX {$54000.00} XXXX {$2000.00} XXXX {$1900.00} XXXX {$1200.00} XXXX {$1100.00} XXXX {$3300.00} XXXX {$580.00} XXXX {$2800.00} XXXX {$0.00} XXXX {$0.00} XXXX {$15000.00}
Consumer complaint received 2020-06-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CO)

On XXXX XXXX 2020 my wife and I completed an application for a home equity line of credit ( HELOC ) with Wells Fargo. We have had a mortgage with Wells Fargo for more than 10 years, refinanced with Wells Fargo 5 years ago, and applied for a HELOC to construct a planned accessory dwelling and garage. 

Starting on XXXX XX/XX/2020 we began receiving requests, some for information that we had already provided. In response we provided digital copies of requested tax release forms on XXXX XX/XX/2020. On the same date ( XXXX XXXX ) we reiterated that all income for a home based business is listed on our tax returns and that our home is a legal 2-family with a 4br/2.5ba, 2500sf main home on two levels plus a XXXX 1br/1ba basement apartment with separate utilities and income from the rental unit is included in our income tax returns. 

A few weeks later we received a congratulations letter that our loan had been approved pending a strange request that we confirm that my wife does not have an alias ( she does not ). We responded and provided confirmation on XXXX XX/XX/2020 and on XXXX XX/XX/2020 we received a confirmation email stating, " Your loan has been approved. '' A month later, and after hiring a builder, we received a letter by XXXX dated XXXX XX/XX/2020 denying the approved loan for the reason of " Covid-19. '' We responded on XXXX XX/XX/2020 demanding immediate action. Shortly after, we received a second, nearly identical letter dated XXXX XX/XX/2020 claiming that the HELOC was declined because they don't offer HELOCs. 

In subsequent emails we have been given two additional reasons why the loan was denied. The third reason given is that Wells Fargo did not know that the 2-family home they have had been the lien holder on for a decade was a 2-family home. That has been proven to be a lie. Finally, representatives have stated ( on record ) that Wells Fargo is severely restricting homeowner access to equity. To that end, my wife and I have perfect credit ( +800 ), have never missed a mortgage payment with Wells Fargo, currently have over 70 % equity in our home, and the HELOC is 20 % of the home value. Since our last refinance our income has more than doubled to the point that our current monthly payment is less than 10 % of our adjusted gross income ( AGI ). Even with the entire HELOC, our monthly payment will be under 20 % ( AGI ). As a result, we do not believe this to be the reason either. 

Ultimately, Wells Fargo representatives have insisted that it was a mistake and asked for time to fix their mistake. However, after asking on XXXX XX/XX/2020 to have until XXXX XX/XX/2020 to resolve the issue, we received a message on XXXX XX/XX/2020 extending the deadline to XXXX XX/XX/2020. Then on XXXX XX/XX/2020 we received another message extending the deadline for ( more than ) another 2 weeks. At that point it became clear that Wells Fargo is just stalling and so we are filing this complaint.
Consumer complaint received 2020-04-28
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)

over the past couple of months, i have requested from all 3 credit bureaus that i need to see verifiable proof of what is being reported is 100 % accurate. i have asked for documents that bear my signature as proof. all 3 credit bureaus have failed to produce any documents or explain to me how these negative accounts on my file were verified and through what manner they were verified. all i am getting is a generic response from them that it was verified, and no reason or explanation on how, or who they spoke with or what documents were provided to verify the negative accounts that i have disputed.
Consumer complaint received 2017-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

I have never been 30 days late ever and chase reported me last month. I am in the middle of a refinance to get my ex wives name off the house and them reporting is really hurting my score. I screwed up and sent the check but forgot the stamp and when i came back from working in another state it was late. If i dont get this removed i am going to have to sell this house and move.
Consumer complaint received 2017-05-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MI)

On Tuesday  XXXX   XXXX ,  2017 , I phone  d Nelnet, my federal student loan provider, to get information regarding a loan forgiveness program. I expected to speak to any number of their loan counselors after providing my birthdate and last 4 digits of my SS # as I have done countless times before. Not this time. The first question was " are you interested in a loan forgiveness program? '' That struck me as strange but I pressed 1 anyway. I was asked a few simple questions. What was the total of my debt. Am I current or in default with payments. I was then transferred to someone else who could verify if I qualified for the forgiveness program. Of course I qualified with a three month application fee of over {$190.00} over a course of three months.
The issue I have with this is that I called a federal loan provider, Nelnet   by the number they have listed on their billing sheet  XXXX . Unacceptable.
Consumer complaint received 2020-04-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (TX)

In XXXX of 2019 I received a letter from XXXX XXXX stating that my mortgage had been sold to them from Cardinal Financial and that I would be receiving a package stating where to pay my XXXX payment. I never received anything from them in XXXX and on XX/XX/XXXX received a late notice from Cardinal Financial and that I needed to send a payment to them. I then send a payment for XXXX, XXXX, and XXXX to them. I then contacted them and let them know what had happened and that I never received anything from XXXX XXXX on where to send the payment. I also let them know that I paid the XXXX payment and 2 months in advance. They stated that there was nothing more I needed to do and that they would note on the account the issues. When I ran my credit report in XXXX it should that they reported me to the credit bureau for missing 1 months payment. I then called and asked what I needed to do to get it taken off the credit report and they told me to email them a letter asking for it to be removed and to send them a copy of the credit report. I did all of that and have been trying to get in touch with them to see what the status is and they are not returning my calls and have not returned my emails. Nothing has been done to resolve the matter with them and they have not removed the ding from my credit like I was told would happen. This is disappointing because I have owned homes for over 20 yrs and have never been late with any payments until now due to the misunderstanding.
Consumer complaint received 2020-04-28
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. (TX)

I am needing to move out of my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to a amount of that are not mine. I need those items removed as soon as possible please.
Consumer complaint received 2021-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (OH)

This is the third time I have had to dispute the account that was illegally re-aged MIDLAND CREDIT MANAGEMENT # XXXX and place on my credit file. I have filed a FTC ID theft report and a CFPB compliant. I have never done any business with MIDLAND CREDIT MANAGEMENT. Please remove this account at once. I have no problem with filing a LAW Suit against MIDLAND CREDIT MANAGEMENT.
Consumer complaint received 2020-04-28
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX  XXXX {$770.00}
Consumer complaint received 2020-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (PA)

I am using an investing company by distributing funds from my PNC account to my XXXX account. Unfortunately, PNC is blocking me from distributing funds to my investments with XXXX. It's my money and I would like to use it the way I want.
Consumer complaint received 2020-04-28
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

Waiting on my insurance check to be signed by Shellpoint Servicing. I have already filed a complaint but now they are stating in a letter to my lawyer the re-issued check has not been received and they checked on this on the XX/XX/XXXX. I sent it certified and was notified by USPS that the check was delivered and signed for on the XXXX of XXXX. I called the Loss Draft Dept and was told the check in there and being reviewed. All i need is this check signed so i can cash it and pay the contractor. This is making ill. I have XXXX XXXX and it is making me not able to sleep and worried. Please help me!
Consumer complaint received 2017-06-13
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. (MO)

Experian continued willful disregard of the law. I have filed several complaints and send several letters on a XXXX account. They are reporting that this account was opened on XXXX XXXX in which is inaccurate. i have requested thar Experian provide a copy of a first payment with some documented proof that support there reporting in which they have failed to send anything no contract or any documented proof which means this account has not been properly verified as they claim. Any automated response or XXXX XXXX verification is unacceptable.