davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY (NY)

I am writing about my account with Wells Fargo Account # XXXX which I addressed previously via the CFPB in regards to the late pay reported in XXXX 2020. I did get a response dated XXXX/XXXX/2020 to which it says they can not honor the CARES ACT to update the account in XXXX 2020. In my previous complaint I addressed Covid being the reason the late occurred in the first place and an accommodation was made were fees were waived. Since the accommodation was made no reporting should be reflected in XXXX 2020. 

You state the payment was reversed which is exactly the effects of covid causing that to be returned.
Consumer complaint received 2023-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica (WA)

I logged on to the its get my payment website and it is showing a bank account number which is not mine. 

We scheduled your payment to be deposited on XX/XX/2021 to the bank account below. 

Bank Account XXXX : XXXX If you don't see your payment credited to your account, check with your bank to verify they received it. We will mail you a letter with additional information on this payment. 


My bank account number ends in XXXX. 

I have called Direct Express about this at XXXX XXXX and customer service said there are no pending deposits nor and pending transactions for my bank account for a stimulus check. 

I am worried that someone may have opened another bank account in my name and had my stimulus payment sent there. 

There is no way to speak with the its on the phone nor do they have an email to contact them to discuss this issue, and Direct Express has no record of any payments send to them, yet the its states they deposited my payment to my bank yesterday.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: RentDebt Automated Collections, LLC (TX)

I don't dispute this is my debt, the only thing I have a problem with is the companies keep changing the dates on my report every 3 months, so the debt appears new every time they report it. So, I never have a date for which this debt will be removed in the 7-year time frame allowed by law. But they continue to report the same debt over and over again. And I was informed it was being generated by a computer system. I spoke with all 3 credit bureaus, and they said they can not do anything. How can a collection agency just keep putting the same thing on your report? Do I have any recourse in this matter? Please let me know if you need more information. I have tried to resolve this issue with both companies, but they aren't trying to work with me. I have disputed the amounts for one company and the other debt I have tried to get dismissed because my lease was up when I moved. The management and I agreed to my moving out but still charged extra charges, saying I didn't give proper notice, which isn't true. 

The two companies I am referring to are the following : XXXX XXXX XXXX and RENTDEBT AUTOMATED COLLECTIONS
Consumer complaint received 2024-03-01
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. (OH)

These account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( XXXX, XXXX, Experian ) PLEASE!!! **They keep closing and reopening two accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? XXXX removed these two accounts from my report 9 months ago. I have no clue why I have to keep fighting with XXXX and experian and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! PLEASE HELP!!! This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TAYLOR MORRISON HOME FUNDING, INC. (FL)

I wanted to pay off my loan, so I mailed a check for an amount which included the monthly payment and slightly more than the principal balance. I indicated that I wanted the excess {$9500.00} to pay off my loan. The check was cashed on XX/XX/XXXX. 
I received my next payment coupon and it showed the {$9500.00} had been put into a suspense account and would be used to make future monthly payments. 
I immediately called on XX/XX/XXXX and I was told the following. The money in the suspense account would be returned to my checking account within 9 business days. I have to wire the final payoff. I asked for the payoff amount and wire instructions and was told they need to be mailed to me, and I should have it in 4 business days. 
It is now the 10th business day and I have not received payoff instructions, nor has my {$9500.00} been returned to me. 
I want my money applied to the principal or returned immediately. I want the payoff amount and wire instructions immediately, not in the mail.
Consumer complaint received 2021-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Consumer complaint received 2023-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (NJ)

A fraudulent account was created under my name with XXXX XXXX XXXX in XXXX XXXX XXXX which went to collections to XXXX XXXX XXXX. When this showed up in my credit report I disputed it, locked my credit profile, and the debt of {$280.00} was eventually removed from my credit report. Now it appears that the same debt is showing up under a different collections agency, Online Information Services, for the same account/ amount, with the same company XXXX XXXX XXXX XXXX which I have never used for any type of service as I do not live in Texas XXXX I have again disputed this with the credit bureaus and have submitted a dispute with Online Information Services and again with XXXX XXXX XXXX.
Consumer complaint received 2021-01-06
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. (MA)

I have an auto loan with XXXX XXXX XXXX which was opened in XX/XX/XXXX. On XX/XX/XXXX I wrote a letter accompanied with bank statements to dispute payments that were reported as missed for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX through XXXX of XXXX. All of these payments were set up for recurring payments though XXXX XXXX XXXX when the loan was obtained. All of the payments were made on time. On XX/XX/XXXX at XXXX I called the XXXX XXXX MA location and spoke to XXXX regarding my dispute. She placed me on hold for over 20 minutes, then came back and apologized for the wait and stated that I could not dispute through them. She said I could only dispute through the credit bureaus, they do not handle direct disputes. I informed her that her the FCRA I could dispute directly with the creditor. She then told me that she would have another representative call me back. I never received a call back. On XX/XX/XXXX I received a letter stating that my bank statements were not sufficient evidence that the payments were made. The letter also stated that they could not update their incorrect reporting for 9 months. This has impacted my credit greatly and is affecting my life. This is also a violation of the FCRA and a violation of my rights.. My banking institution, XXXX XXXX XXXX only provides bank statements as proof of payments. I am requesting that the correct their inaccurate reporting for the months in question to paid on time as agreed, along with crediting to auto loan account for the over payments I had to make in XXXX and XXXX of XXXX. I was forced to may more than {$880.00} in order to avoid a repossession and end the harassment I was getting. I ask that the over payment be applied towards the principal of the loan.
Consumer complaint received 2021-01-06
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. (MA)

I have an auto loan with XXXX XXXX XXXX which was opened in XX/XX/XXXX. On XX/XX/XXXX I wrote a letter accompanied with bank statements to dispute payments that were reported as missed for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX through XXXX of XXXX. All of these payments were set up for recurring payments though XXXX XXXX XXXX when the loan was obtained. All of the payments were made on time. On XX/XX/XXXX at XXXX I called the XXXX XXXX MA location and spoke to XXXX regarding my dispute. She placed me on hold for over 20 minutes, then came back and apologized for the wait and stated that I could not dispute through them. She said I could only dispute through the credit bureaus, they do not handle direct disputes. I informed her that her the FCRA I could dispute directly with the creditor. She then told me that she would have another representative call me back. I never received a call back. On XX/XX/XXXX I received a letter stating that my bank statements were not sufficient evidence that the payments were made. The letter also stated that they could not update their incorrect reporting for 9 months. This has impacted my credit greatly and is affecting my life. This is also a violation of the FCRA and a violation of my rights.. My banking institution, XXXX  XXXX  XXXX only provides bank statements as proof of payments. I am requesting that the correct their inaccurate reporting for the months in question to paid on time as agreed, along with crediting to auto loan account for the over payments I had to make in XXXX and XXXX of XXXX. I was forced to may more than {$880.00} in order to avoid a repossession and end the harassment I was getting. I ask that the over payment be applied towards the principal of the loan.
Consumer complaint received 2021-01-06
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. (NC)

I Have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2023-06-21
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX and Transunion reinvestigate these accounts : Account name : XXXX XXXX  : # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. Also I filed identity theft and furnished a police report with my letters to each agency. XXXX  is the ONLY bureau that is updated and correct and does NOT have any of these accounts listed above. How can one bureau hold the correct information but the other two have complete misinformation.

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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case I have attached my updated XXXX and previous letters to XXXX N Transunion
Consumer complaint received 2023-05-26
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. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXXXXXX XXXX  XXXX, NC XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX XXXX Balance Owed : {$360.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$690.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$180.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$810.00} ; XXXX XXXXXXXX Balance Owed : {$800.00} ; XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

My problem is with the credit reporting agences, like Equifax, refusing to update my employment status to " XXXX ''. I have been XXXX  for three years now. I am not employed and have not been employed  since XXXX. And have not owned " XXXX XXXX '' since XXXX : Erroneous information still persists on all of my credit reports.
Consumer complaint received 2023-05-17
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)

This is the third time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
PORTFOLIO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (CA)

I came back from my foreign service commitment and noticed this collection on my credit report. I am not in the country in the last five years and whatever that was occurred four years ago and i am not aware of any account from this collector or any that would have resulted in this collection.
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

Numerous attempts have been made to correct my legal name with all 3 credit bureau 's. My legal name was incorrectly changed and used in a frauduent manner due to fraud. I was under the assumption that credit bureau 's were required to validate information before placing it on credit reports and profiles. 

My correct legal name is XXXX XXXX XXXX The incorrect name reflecting is XXXX XXXX XXXX XXXX I am providing my DL, SS card and recent utility bill, and a recent credit file received, to identify myself. 

Again, my legal and only name is XXXX XXXX XXXX. No other name ( s ) should appear.
Consumer complaint received 2017-02-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (VA)

I applied and was approved for a loan modification with Bayview loan servicing. They messed up the first modification and issued me a second as a courtesy, but did n't notify me of the mistakes. I worked with a housing counselor who was the one to first find out about the mistakes. I made payments toward the 1st trial modification but they told me it was the wrong amount because they gave me a second modification and that amount was higher. So the modification is now void and my house is in foreclosure. Also, my house was damaged and the insurance company told me send the check to bayview. I did. Bay view kept telling me the check was sent to loss and found. Long story short they cashed the check ad lied to me for months telling me they did n't know where it was. Even after keeping my XXXX check ( which was more than enough to keep me out of foreclosure, Im scheduled for foreclosure in less than 30 days. Please contact me I fell this is wrong on so many levels and they are trying to steal my home.
Consumer complaint received 2021-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/2020, I lost my cell phone, and apparently, some credit cards that I carried in a tote bag, and someone used my card unauthorized and charged {$190.00} to my account. I did not realize it because I do not normally carry the Capital One card around, I thought it was at home. It was not. I called Capital One to file a dispute, they did, within one week the dispute was closed. I found this out yesterday, XX/XX/2020, I spoke with 3 different reps, the last being XXXX, ID # XXXX from fraud. I was told by XXXX that I did not have any proof the card was stolen or lost. HOW would I have proof? It is the job of the card company to reach out to the merchant to dispute the charge, this process typically takes 30-90 days. XXXX told me no such thing was done in this case and that the case was closed. I was on the phone for over 2 hours before I even got to XXXX. I was tossed around the companies call center queue and got no answers, 3 reps, and nothing resolved. I requested the documents be mailed to me, as it is my right. If/when a company does a dispute and a consumer requests the documents used to make their determination they must send it. XXXX in Capital One Fraud advised me that there is nothing he could educate me on, share with me, or send to me. I want this case reopened, and an actual dispute processed with XXXX  the merchant, and my {$190.00} put back on my card.
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (VA)

I tried to deposit a check of {$3200.00} that I received from work with my bank ( JPmorgan Chase bank ) and they have restricted my account and threatened to lock the account in 7-10 days. They keep asking me stupid questions and I tell them that the check is a check I received from work, they say they cant reach the company that issued the check, so I reached out to the company and they said the check was cleared and do not understand why Im having the issue with my bank. I was on the phone yesterday ( XX/XX/2023 ) for close to 6 hours calling multiple times and no one is able to help me. I have no access to my funds that were in there even before I tried to deposit the check and I find it so ridiculous that theyre making a consumer go through so much back and forth phone calls to resolve something they should be able to do as a business.