davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-28
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: CORELOGIC INC (CA)

I've contacted credco  in regards to three hard inquires that were pulled by a company called XXXX XXXX the company did their investigation and found out that it was not accurate information it was not factual information nor did the company have my permission nor did they have my consent to pull my credit. I am a credit fraud victim I have a security alert and freeze on all 3 bureaus. A few months ago I asked credco to remove the three inquires on my account they did their investigation and in XXXX they found out that they were supposed to be removed. The company never notified XXXX  XXXX and XXXX. I have since then contacted them with updates in regards to why they have not removed this on all three credit bureaus this is not a factual report this will not stay on my credit for 2 years, this has damaged my credit by 15 points 5 / points per pull I am now legally requesting  that credco has the hard and choirs all three removed within 30 days or I will seek legal action in a court of law, credco  has a very poor customer service and extremely rude customer service they refused to help me and they have refused to remove all three credit inquires from my account they claimed that they are reopening another investigation on to see why they were not removed since then I have contacted all three credit bureaus and every single one said they were not contacted with an electronic message for deletion credco also refuses to show me a copy of proof of deletion they failed to give me any type of proof that it was removed that they are removing it and it has been requested to be removed I've asked 3 times for copies for proof of deletion so this way I can send the credit bureau a actual copy however the company refuses to give me this information as of today they have 30 days to remove all three Harden choirs that were already investigated and I was found innocent and they were wrongful credit inquiry pulls should all three inquires not be removed within 30 days I XXXX and will seek Financial reimbursement and legal repercussions for failing and refusing to delete all three records that are not factual I will wait 30 days as of today
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Payment status is showing up incorrectly. Payment was made during the company 's system failing. Conformation was sent that payment was received. The company 's system never processed the payment due to the new system having issues, allowing the system to crash repeatedly over a 2 week span.
Consumer complaint received 2024-05-23
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

I closed my BestBuy account earlier that had a Visa credit card issues by Citibank. I closed the account by paying full amount due earlier this month with XXXX remaining balance. Despite that, I was charged {$290.00} on XX/XX/XXXX on the debit card I had on file, set for auto pay. I called the bank to dispute the charge and they opened a case on XX/XX/XXXX but since then I haven't heard anything back and my {$290.00} are stuck in this process. I need the money back to stay on track with my bills and Citibank shouldn't have charged me in the first place as I had already cleared all my dues. 

DISPUTE DETAILS Case ID : XXXX Dispute Type : Duplicate Payment Dispute Amount : $ XXXX Date Submitted : XXXX
Consumer complaint received 2024-05-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP (IL)

I had an unauthorized charge and requested U.S. Bank put a stop payment. I spoke to a supervisor, who was very rude, Very unhelpful, very condescending, and very demeaning. I asked him what was the previous representative name that assisted me with a previous unauthorized transaction told me they don't have notes. He has no record to see who I spoke to and attempted to hang up on me
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

Multiple addresses are showing on my credit report that does not belong to me and I'm afraid that my personal information is going to somebody that should not have access to it. I had requested Experian many times to remove the incorrect addresses and update my report with the correct one but they never responded with a solution. This is violating my right to a correct credit report.
Consumer complaint received 2023-12-07
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: TOYOTA MOTOR CREDIT CORPORATION (GA)

I have a charged off account on my credit for {$32.00}, XXXX from XXXXMAZDA FIN SVC. Account number : XXXX. I was told the vehicle was never recovered which is why it's showing as a reposession. I was never in possession of the vehicle and was unaware the vehicle monthly payment had never been received. The vehicle has always been with XXXX XXXX, the second joint owner. The vehicle can be recovered and I want to know how that all affect the balance owed. or how can I be removed from full financial responsibility.
Consumer complaint received 2023-12-07
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. (CA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review
Consumer complaint received 2024-05-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

I am a XXXX veteran I was XXXX honorably XXXX of 2020. I notified the apartments rent office that I will be returning home the following month. I ask what can I do about the lease. The lady that in the rent office said since you are a XXXX member there are exceptions for you. She told me drop my key in the drop box and if we need your XXXX records for accuracy, we will call and requests them. I did what was ask of me and I drop the key in the drop and pack my things and went back home, for the pass 3 years i been having a collection for XXXX from this apartment. Ive tried disputing but it have not been removed. Can you please help me
Consumer complaint received 2023-12-07
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)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 CHILD SUPPORT XXXX XXXX Account Number XXXX XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
CHILD SUPPORT XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Real Time Group, Inc. (AZ)

There is an app, company called XXXX and Ive been current on the payments Within 30 days. 

However, on at least four occasions they have sent a debt collector called Real Time solutions, Inc to collect. They claimed they have the right to collect payments, but they are not 30 days overdue every month. 

They are harassing me and using scare tactics for no reason.
Consumer complaint received 2023-12-07
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. (TX)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account.

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX 9. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX 12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

On XXXX, I contacted XXXXDepartment of Education to inform them that my loan had been transferred in XX/XX/2023, but they are still reporting an unpaid balance for three of my loans which is negatively impacting my credit score and reporting. On XXXX, I received a notice that XXXX Department of Education is reporting the information as accurate and has failed to make the correction. 

Below, I have attached the letter indicating that my loan was transferred to XXXX. Currently, both XXXX and XXXX are reporting open loans with balances which has doubled my student loan balance and it not true and accurate.
Consumer complaint received 2024-05-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CLGF Holdco 1, LLC (MI)

I received a XXXX delivery to my house from a debit collector that I do not do business with. They are saying in their letter for a demand for full payment to a credit card company. Milestone Master Card is who I got the credit card from and XXXX XXXX is threatening me with legal action from an attorney in my state which is Michigan. They are also saying in the letter to contact their legal department. I dont k ow who Modland Credit is nor do they have any signed contract between myself and them.
Consumer complaint received 2023-12-08
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. (MD)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2023-12-08
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. (CA)

I recently reviewed my credit report and noticed accounts reporting that did not apply for. I believe that someone has used my personal information to open these accounts. I have not used my credit and after reviewing my report, I have seen accounts that are reporting under my name which I never authorized myself. 

The following accounts are not mine and should be removed : XXXX XXXX XX/XX/XXXX. XXXX {$510.00} XXXX XXXX XXXX XX/XX/XXXX {$500.00}
Consumer complaint received 2023-12-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (WA)

- ordered from XXXX on XX/XX/XXXX - received box of dirt/rocks - contacted affirm and opened case on XX/XX/XXXX - they closed the dispute ( they opened it for the wrong reason - DNA, whereas it should've been opened for the reason of SNAD - I called them XX/XX/XXXX and re-opened the dispute but they didn't actually reopen it - I emailed them asking for an update XX/XX/XXXX ( no response from them )- I called them again XX/XX/XXXX to reopen the case - XX/XX/XXXX they closed the case again saying there is no evidence even though I uploaded the evidence multiple times - XX/XX/XXXX they are now threatening me I did not receive an actual item, why should I pay for nothing?
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (PA)

I told them that my wife stole my personal information and used to to take out cards and I didn't know she did it until she passed away and I can't file a police report on a deceased person. I'm homeless with my daughter and can't get an apartment now because my credit score is XXXX and it's not my fault.
Consumer complaint received 2023-12-08
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. (MD)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

Bank of American provided false information to XXXX that my name is XXXX XXXX XXXX. On the basis of this I was denied credit. They need to pay damages and fix my credit report.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XX/XX/2023 XXXX report delincuent Account : I am proud to have excellent credit until XXXX XXXX XXXX XXXX makes errors in my account reporting 120 days late on my payments. The problem was communication and system malfunction not crediting my payments, saying they didn't receive them then telling me the Bank requested to return those payments. for my inconvenience, my account with the Credit Card was closed by the XXXX XXXX without my knowledge. 
I was not able to print out my statements for verification of my transactions. 
Thank you for your help in recovering if possible my Good Credit. 
Sincerely, Me.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

EXPERIAN, XXXX & XXXX I received a copy of my credit report and I have found the following items listed with XXXX to be in error. These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 
I demand under FCRA : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report reflecting the requested changes. 

Thank you for your help in this matter,
Consumer complaint received 2017-03-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I have a Mortgage Loan with Wells Fargo and I have a Case number : XXXX Today XX/XX/XXXX I call XXXX XXXX XXXX ext XXXX to discuss the the status the case. 
He hi said that WFHM have not doing any illegal activity. 
I said to him that I have a Letter from WFHM posted XX/XX/XXXX, said that they recevied my Documents and they will have and anwer by XX/XX/XXXX for my Appeal. 
On XX/XX/XXXX WFHM send my Loan to Foreclose. 
I told him that in California under the Bill of Home Owners Right the Bank have to wait 30 days before they can send the case to Foreclose and WFHM did not wait only 17 days. 
He told me that WFHM does not need to wait 30 Days to send the case to Foreclose. 
Right now WFHM is doing a Loan Modification in my case when at the same time they have a Foreclose ACITVE in my file. 
I did explain that Dual Tracking is Illegal in California as well. 
Wells Fargo should respect the law and do not operate above the law. 
Thank you.
Consumer complaint received 2023-04-18
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)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX