davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-27
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. (OK)

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information
Consumer complaint received 2023-03-14
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. (GA)

I am contacting you because I am concerned about the accuracy and honest of your company 's data. As per FCRA section 611, we must have accurate records on file with those who rely upon them most, including customers and potential lenders or employers.
Consumer complaint received 2018-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

The company i am speaking on today is Experian. I was told to call them to reach out about an issue that happen where Inquires were removed from my credit report, than a short time later they were back on and it hurt my credit report bad. Below is the ones that i have issues with. 

Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX, XXXX, TX XXXX | ( XXXX ) XXXX Inquiry : XXXX/XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX | ( XXXX ) XXXX   Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX  | ( XXXX ) XXXX Inquiry : XXXX/XXXX XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX, XXXX, FL XXXX | ( XXXX  ) XXXX Inquiry : XXXX/XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX, XXXX, FL XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX, XXXX, OR XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX  | ( XXXX  ) XXXX Inquiry : XXXX/XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX, XXXX XXXX, MN XXXX | ( XXXX  ) XXXX
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

As of today XXXX, XXXX and Equifax continue to provide false information regarding the XXXX XXXX amount on my credit report. None of it makes sense they show that I am current making payments?? However, if I was currently making payments why isn't the loan amount going down? In addition, XXXX says account is closed, XXXX and Equifax says account is open. XXXX and Equifax paid on time. Equifax showing staying on report until XXXX when 7 years is XXXX. I have reported this to the Federal Trade commission as an act of fraud and gave them the report number. When I call none of these creditors listen to what I have to say and just say oh the information has been verified. Just because a creditor tells you something it doesn't make it true. XXXX XXXX is purposely providing the XXXX credit bureaus with false information to ruin and destroy my lively hood. I have bee fighting this for 5 years and not one of the credit bureaus listens to me or care to hear what I am saying. THIS IS FRAUDLENT REPORTING AND ALL OF THEM NEED TO BE HELD ACCOUNTABLE. I ALSO STATED I WANTED THIS TO REPORTED AS FRAUD ON MY CREDIT REPORT AND ALL 3 CREDIT BUREAUS REFUSED TO NOTE THIS ACCOUNT AS FRAUD. i HAVE BEEN FRAUDED ONCE BEFORE IN XXXX. ALL THESE CREDIT BUREAUS NEED TO TAKE THIS OFF IT IS FRAUDELENT WHAT PART OF ENGLISH DON'T THEY UNDERSTAND!!!!!!!!!!
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

As of today XXXX, Transunion and XXXX continue to provide false information regarding the XXXX XXXX amount on my credit report. None of it makes sense they show that I am current making payments?? However, if I was currently making payments why isn't the loan amount going down? In addition, Transunion says account is closed, XXXX and XXXX says account is open. Transunion and XXXX paid on time. XXXX showing staying on report until XXXX when 7 years is XXXX. I have reported this to the Federal Trade commission as an act of fraud and gave them the report number. When I call none of these creditors listen to what I have to say and just say oh the information has been verified. Just because a creditor tells you something it doesn't make it true. XXXX XXXX is purposely providing the XXXX credit bureaus with false information to ruin and destroy my lively hood. I have bee fighting this for 5 years and not one of the credit bureaus listens to me or care to hear what I am saying. THIS IS FRAUDLENT REPORTING AND ALL OF THEM NEED TO BE HELD ACCOUNTABLE. I ALSO STATED I WANTED THIS TO REPORTED AS FRAUD ON MY CREDIT REPORT AND ALL 3 CREDIT BUREAUS REFUSED TO NOTE THIS ACCOUNT AS FRAUD. i HAVE BEEN FRAUDED ONCE BEFORE IN XXXX. ALL THESE CREDIT BUREAUS NEED TO TAKE THIS OFF IT IS FRAUDELENT WHAT PART OF ENGLISH DON'T THEY UNDERSTAND!!!!!!!!!!
Consumer complaint received 2018-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Diversified Consultants, Inc. (TX)

XXXX  has been non-compliant with removing the unverified account DIVERSIFIED CONSULTANT XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that DIVERSIFIED CONSULTANT was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-08-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NV)

I purchased my home in XX/XX/2017. My home 's value went up since closing. I financed it from Wells Fargo. According to Wellsfargo home mortgage website I am able to cancel your PMI earlier, based on its current value. I called Wells Fargo mortgage department to get more information about how to cancel my PMI. I was told that if my homes value is more than {$300000.00} I am able to cancel it. I was also told that I need to get a home value assessment to confirm its value. 
I filled out the necessary papers and pais {$200.00} for the assessment. They sent a broker for the assessment. The broker assessed my homes value around {$340000.00}. 
I called Wells Fargo to learn when the PMI is going to be cancelled I was told that I am not qualified for cancellation because I havent done any significant structural improvement. 
When I called them at the beginning they never told me that I had to do structural improvement. Now, they are telling me that I have to do around $ 27K improvement in order to cancel the PMI. 
I was misguided by Wells Fargo website and its customer service representative about canceling PMI. 
Later, I called they customer service for a resolution and created a case number more than a month ago. No one called or emailed me regarding my complaint. I called several times their customer service to find an answer but no answer.
Consumer complaint received 2023-10-25
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. (GA)

According to the Fair Credit Reporting Act ( FCRA ), the accounts mentioned below have violated my federally protected rights regarding privacy and confidentiality, as detailed in 15 U.S.C 1681. 

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 XXXX XXXX All the accounts listed above have infringed upon my rights. Section 602 A of 15 U.S.C 1681 confirms my right to privacy. 

Additionally, as per Section 604 A, Section 2 of 15 U.S.C 1681, a consumer reporting agency is prohibited from disclosing any account information without my prior written consent.

Section 1681c ( a ) ( 5 ) of 15 U.S.C stipulates that no consumer reporting agency can include certain adverse information in a consumer report, except for convictions of crimes that occurred more than seven years prior to the report.

Lastly, under Section 1681s-2 ( A ) ( 1 ) of 15 U.S.C, it is illegal for any entity to provide inaccurate information about a consumer to a consumer reporting agency if they have knowledge or reasonable cause to believe the information is inaccurate.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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 2023-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (NV)

Received an offer from XXXX XXXX XXXX credit card, " Earn {$100.00} statement credit. Use the XXXX XXXX Credit Card and spend {$400.00} within 60 days of account opening. '' Spent {$500.00} and paid it in full. It's been 2 months so I followed up. I was told that I needed to spend the money on the XXXX store. Yet this appears no where in any of the fine print.
Consumer complaint received 2018-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge 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: DISCOVER BANK (IL)

I made a complaint recently about Discover card personnel starting a dispute in XX/XX/2018 without my knowledge or consent that caused me great distress, much time and trouble and concern. That has been resolved and the company acknowledged it erroneously started an unwarranted, unauthorized dispute. Despite this, I received a letter from Discover card, dated XX/XX/2018 that stated that they were " happy to continue our investigation of your disputed transaction ... '' The case number is XXXX regarding a {$58.00} charge on XXXX. The problem is that I did not make this purchase, was not informed of a " dispute '' until I received this letter, and once again, was not a party to a dispute begun by Discover car " on my behalf '' nor did I authorize any dispute to be begun - again! I called Discover and it turns out that this was ANOTHER MISTAKE on their part and the dispute referenced in the letter was, according to Discover card, for another customer. I also received a letter that same day, also dated XX/XX/2018 from Discover that directed me to call their XXXX number because " they wanted to discuss important information about my account. '' Again, these two letters and situation have caused me great concern and distress. I absolutely can not believe that Discover card made these serious errors two months in a row on my account, which I have had for decades without incident. It is obvious that Discover card has a very serious quality control problem as regards unauthorized and mistaken disputes and mixing customers up. They need to be called to task for this. I am losing confidence in my credit card and wonder what Discover card is going to do to my account next - more disputes and mix ups? This is inexcusable - twice!
Consumer complaint received 2018-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

On XX/XX/XXXX, I submitted an investigation request to the credit bureaus. Over 30 days have passed, but I have not yet received my responses from Equifax and XXXX XXXX. My wife and I submitted our request together. She has already received her responses but I have not.
Consumer complaint received 2024-04-29
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Weltman, Weinberg & Reis Co., L.P.A. (IN)

In XXXX of XXXX a settlement was reached in court between myself and XXXX XXXX XXXX XXXX XXXX, who was the holder of my student loans. 

Weltman, Weinberg & Reis Co., LPA out of Ohio is the debt collection agency I was to make my payments to. 

I have three separate loans that each have their own judgment entries and account numbers. 

On each account I was to make an initial payment of {$220.00} for the first account, {$190.00} for the second and {$82.00} for the third before the end of XX/XX/XXXX. After the initial payments I was to make monthly payments of {$180.00} for the first account, {$150.00} for the second and {$79.00} for the third before the last business day of each month for the next 48 months until the settlement amounts had been paid for each account. 

On XX/XX/XXXX I made final payments of what I still owed on each of the three loans. On the first account the settlement amount was {$8900.00} and I made a final payment of {$740.00}. 

The settlement amount on the second account was {$7400.00} and on XX/XX/XXXX I made a payment of {$620.00}. 

The settlement amount on the third account was {$3800.00} and on XX/XX/XXXX I made a payment of {$310.00}. 

These payments made on XX/XX/XXXX, along with the previous 43 months worth of payments on each account and the initial payments in XX/XX/XXXX add up to me paying the court ordered settlement amount on each account. 

I never missed a payment and was never late with a payment. However after making these final payments my online account was still showing that I owed more money, amounting to the pre-settlement amount. This is incorrect and I have court documents to prove the settlement amounts. 

I tried several times to get in touch with someone to speak to about my accounts via phone and email. I left and sent many messages that have gone unanswered. I finally got someone on the phone to speak to and was told they could only speak to my attorney. 

I contacted the attorney who represented me in XXXX and he has tried multiple times to get in touch with someone to let them know they can speak with me directly. His messages have also gone unanswered and no one has responded to me or my attorney. 

As of now I also can no longer access my online account, I get an error, saying the page cant be displayed and to call or email regarding my account, but I have tried that repeatedly and never get any response. 

I want written confirmation and acknowledgement from Weltman, Weinberg & Reis that my debts have been settled and paid as they were agreed upon in court and that I no longer owe them anything.
Consumer complaint received 2018-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX, I submitted an investigation request to the credit bureaus. Over 30 days have passed, but I have not yet received my responses from XXXX  and Trans Union.  My wife and I submitted our request together. She has already received her responses but I have not.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

Hey, my name is " XXXX XXXX XXXX '', and I have noticed on my consumer report that I have a bankruptcy that must be deleted off my consumer report immediately. It has impacted me deeply and has hurtled me. The consumer reporting agencies XXXX XXXX, XXXX, Equifax, and XXXX have validated codes 15 U.S Code 1681 s-2 " furnishes of information to consumer reporting agencies. They have reported a bankruptcy knowingly that it's not connected to me. And I have on record that I am not connected to this public record. This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. And it must happen within 4 business days. Due to me filing my XXXX Report. This law states that if you file a police report through the XXXX, it must be deleted.
Consumer complaint received 2023-02-13
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. (WI)

In accordance with the Fair Credit act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX ( ACCT # XXXX ), XXXX XXXX ( ACCT # XXXX ) & ( ACCT # XXXX ), XXXX XXXXXXXX XXXX XXXX ( ACCT # XXXX ), XXXX XXXX XXXX ( ACCT # XXXX ), XXXX XXXX ( ACCT # XXXX ), XXXX XXXX ACCT # XXXX ), XXXX XXXX XXXX  XXXX ACCT # XXXX ) and, XXXX XXXX  XXXX ACCT # XXXX ) ; has violated my rights. 

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.

15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ). A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

The accounts on my credit report were open online by another individual. I have been contacting the companies over the last pass years to be removed and not one is listening. I decided that I was ready to purchase a home and the bank representee was the one to give me the information.
Consumer complaint received 2024-07-03
Product: Credit card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (UT)

I am filing this complaint regarding a dispute with my CHASE VISA BUSINESS UNLIMITED CARD. 

On XX/XX/XXXX, I mistakenly paid the HOA fees for another resident due to an address error, resulting in two incorrect charges : {$1900.00} to XXXX XXXX XXXX. 
{$880.00} to XXXX XXXX XXXX. 
After realizing the mistake, I disputed the charges with CHASE. On XX/XX/XXXX, after the HOA agreed to transfer the fees to my account, I closed the dispute. However, CHASE had already returned the payments to my account. The HOA now states that they never received the funds after CHASE canceled the dispute on XX/XX/XXXX. 

CHASE has given me conflicting information, with the latest being that the fees were sent to the HOA again on XX/XX/XXXX and are supposedly with the HOA 's bank. However, CHASE refuses to refund the fees or provide any further solution, claiming we are beyond their policy window for disputes. The HOA requested a trace number or a transaction number to validate and locate the XX/XX/XXXX payment. 

I have spent four hours on customer service calls with CHASE, being transferred multiple times and even hung up on. Despite my efforts, CHASE refuses to provide any verification for the XX/XX/XXXX payment. 

Meanwhile, my new HOA fees are due on XX/XX/XXXX, and I had to pay again to avoid late fees. I am stuck in a stalemate, with the HOA stating they can not see the payment, and CHASE claiming that they sent the payment on XX/XX/XXXX but can not provide any more details or cancel or dispute it again. 

As a result, I am out {$2700.00} and am unable to resolve this issue. I am seeking assistance to recover my funds, as neither CHASE nor the HOA is willing to help me locate the missing payment.
Consumer complaint received 2018-08-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (IA)

SCRA request made XX/XX/18 to XXXX that included my request, a copy of the service members XXXX, our address and name. I received a letter dtd XX/XX/18 again requesting a copy of the XXXX. I again emailed them to the company. I do not feel our request is being timely fulfilled. There has been no resolution to date.
Consumer complaint received 2024-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC (OK)

During my loan assumption with Flagstar Bank, I realized that my home owners insurance had not been automatically paid due to a clerical error by them adding a incorrect number at the end of my insurance policy therefore causing the payment to not be automatically paid as it was the year prior. I received zero notice, and upon discovering I contact Flagstar and my insurance company to resolve to ensure I had no lapsing coverage. Flagstar charged me an additional {$750.00} dollars causing my mortgage payment to increase, I even paid an addition {$800.00} to escrow and they have continued to tell me my claim for their error will be resolved with a continually moving timeline, resolution should have occurred in XXXX and I was now told mid XXXX. This is unacceptable due to no error of mine and during a very difficult divorce leading up to all documentation be approved for my loan assumption and all payment history on time. They have no way to reach a supervisor and Ive been told they would file a complaint, also told to send an email with no response to an automated system, and been disconnected numerous times in their chat help feature. Zero way to reach them by all the avenues their representatives have told me. I am being treated extremely unfair as this should be a simple resolution to refund they {$750.00} they charged me due to their error.