davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-23
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. (AR)

I am writing to formally complain about the persistent issue of late open accounts that I have been experiencing with your company, specifically regarding my account with Credit Bureaus. Despite my numerous attempts to address and resolve this matter, my late open accounts remain unresolved, causing significant inconvenience and financial hardship. 

I would like to provide a summary of my efforts to address this issue : I first became aware of the late open accounts associated with my account. Immediately, I contacted your company and initiated communication with your customer service department to discuss the issue. 

Subsequently, I made multiple attempts to resolve this situation, including sending emails, making phone calls, and even visiting your office in person. During these interactions, I provided all requested documentation and information to address the late open accounts. 

Regrettably, despite my continued commitment to resolving this matter, the late open accounts have not been rectified, and I have received no concrete steps or response from your company on how to proceed. 

These unresolved late open accounts have caused me significant stress, inconvenience, and financial difficulties. As a customer of Credit Bureaus, I expected a more responsive and efficient resolution process. 

I kindly request that you take immediate action to address and correct these late open accounts. If there are any additional details or documents required from my end, please inform me promptly, and I will provide the necessary information. 

I believe in fair and transparent communication, and I trust that we can resolve this issue amicably. However, if this issue persists, I may have no choice but to seek legal assistance to protect my rights and interests as a customer. Please assist me to correct these accounts : XXXX XXXX Balance Owed : {$150000.00} ; XXXX XXXX Balance Owed : {$13000.00}.
Consumer complaint received 2023-10-23
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: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 2024-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

On approximately XX/XX/year>, XXXX dollars was frozen in my XXXX account with Wells Fargo XXXX I am presently going through a XXXX  and my account is exempt. Wells Fargo are in direct violation of the automatic stay provision. My bills and other obligations are paid out of that account. If the hold is not released, i will not be able to honor my obligations, and I will not be able to take care of any type an emergency if one cones to pass.
Consumer complaint received 2023-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 2023-10-23
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 2017-02-18
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I purchased a product from a company and that company never delivered the product. I 've been trying to make a claim with BOA for this fraudulent charge. 
I 've called BOA 3 times and waited more than 30 minutes to make a claim. They are not answering their phones. There is no other way to make a claim with BOA. I 'm out of options and now feel that BOA is assisting in this fraudulent behavior through their business practice of NOT answering phone. I 'm currently on the phone for a 4th time, been transferred and on hold for 20 minutes and counting.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

I am XXXX 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, XXXX, and Equifax.
Consumer complaint received 2023-10-23
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: EQUIFAX, INC. (AZ)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : 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 2023-10-23
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: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 2023-10-23
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 2023-10-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (WY)

Hello, my name is XXXX and I am in desperate need of your help. I have been trying to get my auto title to my XXXX XXXX XXXX for over 30 days from Chase XXXX. I paid the car off the first week of XX/XX/XXXX and I was told it would take XXXX to 10 days to receive my title. It even states this on their website. 

I have called in around XXXX to XXXX times just this past week, ( not counting the times I've called in since XXXX ), trying to get this resolved and have spoken to over a half dozen people. I have been given their account supervisor phone number of XXXX. All I am getting is the run around and no one is helping. I need my title and bill of sale and they just are not sending it to me. 

The document they said they have sent for my bill of sale and only for my bill of sale are not, indeed, a bill of sale by any means. I will attach that as a reference. Please help me get my vehicle title for the car that I paid off.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have a XXXX account on my credit report that I don't recognize. I informed the collection agency, the original creditor, and the credit bureau ( XXXX, Equifax ) that I had no ownership of that account. I'm not sure of what happened and why I have two accounts with XXXX.
Consumer complaint received 2023-10-23
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Freedom Mortgage Company (TX)

In XX/XX/2022 I lost my job due to COVID and was out of work of 9 months, Freedom Mortgage put us on a forbearance with the parameters of at the end we had several options, restructure the loan adding in the forbearance amount, add it on the back end of the load, make payments on the forbearance amount or repay it. When the forbearance was over they claimed they could not honor any of those options only repayment was and option for the full amount, how is this even possible when you have not worked for 9 months at no fault of your own. I have been trying to pay them money and get the loan caught up but they continue to send the money back and trying to foreclose, HELP We are begin forced to sell our home because of the pending foreclosure. 
We need help we feel they did this on purpose and trying for force a veteran and his family out of their home because we had a nice low mortgage rate and they didnt want to honor the promises and help us out, only threating and pressue
Consumer complaint received 2023-10-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

Ever since moving to XXXX, my card has been stolen several times and although I do my best to protect that information by using my wallet or tapping my card ; my information still seems to get stolen. I have never had my card physically taken from me but unauthorized transaction are a dime a dozen. 

Wells Fargo will deny my card if I make an {$80.00} purchase but will authorize transactions equaling up to over a XXXX dollars over multiple purchases made in a day. The charges I got from XXXX XXXX makes no sense as I've never been to a XXXX XXXX in NY as of yet since I don't live near one. MY claim being denied with no supporting documents other than a reiteration verb They then had the nerve to tell me that my chip was present since I knew that just couldn't be possible as far as I knew. 

Based on what the woman over the phone told me, I'd have to literally go outside and play detective in order to get my money back from Wells Fargo. NO matter the outcome of this complaint, I will be closing my account with them as this is absolutely ridiculous on their end.
Consumer complaint received 2023-10-23
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: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-10-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (NC)

I was originally approved for a {$5000.00} loan on XXXX XXXX ( application # XXXX ). I have yet to receive any funds however my credit score and report has been impacted. I spoke with XXXX and XXXX ( the branch manger ) XX/XX/2023, and the company states something has gone wrong with their software is reason they gave me for the inability to honor and book the loan approval.
Consumer complaint received 2023-10-23
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)

XXXX XXXX XXXX XXXXXXXX gave me a letter stating they would remove unauthorized inquiry. They have not removed it. Experian has not removed it. It needs to be removed!
Consumer complaint received 2023-10-23
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. (TX)

There is an inquiry from XXXX XXXX on my credit profile with EXPERIAN that I do not recognize from XX/XX/ thats not mine. 

There are also incorrect inquiries on my credit report with XXXX that I do not recognize that arent mine on XX/XX/ at XXXX XXXX XXXXXXXX, XX/XX/ at XXXX  and XX/XX/XXXXXXXX  at XXXX XXXX XXXX 

I have contacted both bureaus of the mistakes and also filed with the Federal Trade Commission, but have not seen these erroneous inquiries removed. Please help.
Consumer complaint received 2023-01-28
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital one approved me for a credit card after I provided a copy of my birth certificate and my driver 's license and then sent it to my house. They then promptly suspended the account, demanding that I further identify myself before they could activate card because they could not confidently assert that I was who I say I am. But they had already reported my credit line with them to the credit beuros. Due to the excessive difficulty of activating my card, I decided to cancel and as a result my credit score has tanked. This is absolutely unfair and unreasonable and Capitol one has offered no solutions. I do not believe it is fair to report a credit line that I was never given access to.
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (CA)

They reported a late payment of {$41.00} dollars that impacted my XXXX credit and I always my bills in time and has impacted my score tremendously as of XXXX XXXX  by Verizon syncs/Verizon creditor . Tried to dispute but no answer In according to the fair credit reporting act convergent account, has violated my civil rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
Consumer complaint received 2023-10-23
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: PENNYMAC LOAN SERVICES, LLC. (AZ)

My home is under contract for purchase. I have a VA assumable mortgage with Pennymac Mortgage Company. 
They are telling me that the buyer is not qualified to assume the loan. 
The buyer has been qualified by another lender for a higher amount at a higher interest rate. So Pennymac is not truthful about this.

The buyer is paying cash for the balance of the purchase price and only assuming the existing VA assumable mortgage.

It has been over 90 days since the assumption paperwork has been submitted and now Pennymac has requested the buyer to re-apply and provide more documents. 
They are not following standard lending procedures. 
I think they do not want to do any assumble loans. 
Thanks for your help.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (GA)

Big Lots Credit Card administered by Commenity Bank filed a 30 day late payment with m y XXXX bureaus. It dropped my credit score by XXXX points in one day and caused XXXX credit card called XXXX to close my account when they inquired. I lost a line of credit. I called them and told them I had all the statements and checks where I had paid them for the past XXXX years and I even sometimes paid them twice in one month. They told me they would write to the XXXX bureaus and fix the erroneous information and they believed the error happend due to a system upgrade last year. They wrote to XXXX which updated the card to zero balance and removed the 30 late payment ( fraudulent info ) but XXXX and XXXX still show this info and I have filed multiple disputes with both. I can not get them to remove it. I am so upset with this as I will never do business again with Commenity Bank.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-10-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Kramer & Frank, P.C. (MO)

I received a notice of a debt collection from Kramer and Frank, P.C. on XX/XX/XXXX stating I had until XXXX to dispute the debt. I sent a dispute letter on XXXX to the email address provided XXXX XXXX  ) and have yet to receive any communication back from them. I called the office and spoke with XXXX XXXX XXXX and learned that a lawsuit was filed on XX/XX/XXXX despite never receiving any response back to my dispute letter. While on the phone, XXXX read to me a response to my letter that was only communicated internally and told me that my case was improperly handled, but the court case would be moving forward unless they reviewed my file and decided it should have a continuance.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (AL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, XXXX HAS VIOLATED MY RIGHTS. 15 USC 1681, Section 602A, states I have the right to privacy. 15 USC 1681, Section 602A, states I have the right to privacy. 15 USC 1681 SECTION 602 A STATES I HAVE RIGHT TO PRIVACY. 15 USC 1681, SECTION 604 1 STATE : I HAVE THE RIGHT TO PRIVACY 15 USC 1681, SECTION 604A, SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FRURNISH AN ACCOUNT WITHOUT WRITTEN INSTRUMENT.
Consumer complaint received 2023-07-10
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. (DC)

This is my 3rd request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
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