davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (ND)

I have another identity theft situation American Express blue bird refuses to close an unknown account. I have been non stop receiving emails, notifications from American Express blue bird. So these fraudsters open accounts using my personal information. Then the real person calls in says they do not recognize activities or account, do not I repeat I said never created an account never created an account, are they going to do anything by recognizing that I am saying never created account. But American Express blue bird is very flat, will not do anything by providing to authorities never created. Just because I said I am able to identify myself as XXXX XXXX. Let me get something straight someone has my personal information. Uses, creates accounts in my name, then in turn I call in to report,, because I am able to say who I am because this person has my identity. Companies hold me responsible for this person creating this account in the first place.
Consumer complaint received 2023-08-18
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. (SC)

In accordance with the fair credit Reporting actXX/XX/XXXX Account XX/XX/XXXXXXXX has violated my 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for a purpose.
Consumer complaint received 2024-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

This Complaint is against Wells Fargo, let and the method they utilize when they answer complaints. Wells Fargo responds in a general way, with several pages of the same details, as they respond, with the same general published declaratory language used in every response. The response and reply of Wells Fargo is not specific. very limited, and needs to be more precise to the complaint at hand. Basically the goal is an agreeable resolution by both parties. The methods used by Wells Fargo only further validate why Wells Fargo has been voted the most  XXXX  bank in XXXX on many online surveys.
Consumer complaint received 2023-08-18
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: EQUIFAX, INC. (VA)

I'm XXXX XXXX XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still other account that need to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX Balance Owed : {$19000.00}.
Consumer complaint received 2020-12-16
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: ONLINE Information Services, Inc. (NY)

On XX/XX/2020, ONLINE INFORMATION SVCS added a derogatory mark on my credit report per XXXX XXXX and XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill saying its mine. According to the FCRA, ONLINE INFORMATION SVCS has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2020-12-16
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

I have had multiple issues with Wells Fargo 's fraudulent charges and debits to my account. WF is set up to direct debit my mortgage payment. They did not do this in XXXX and have since been charging late fees to my account fraudulently. They have repeatedly required me to pay those fees to them with the promise that they will reverse them later. I should not be required to continue paying them money that is not owed to them in advance for something they will pay back later. They state this reimbursement to be a " courtesy '' to me, when it is in fact fraudulent. These charges and games are relentless with this bank. Thank you for your assistance
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been experiencing Identity Theft since XX/XX/XXXX. XXXX has placed a Fraudulent Credit Inquiry on my Transunion Credit File. This was placed on my file on XX/XX/XXXX. XXXX is very well aware of this and has notified me that it will be removed. However it remains on my Credit File. Enough time has passed and it lowers my Credit Score.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SD)

For past few months, all 3 credit bureaus have been subtracting points and give no reason, other than a generic message for all. I get points deducted for a hard inquiry and then I get more points deducted because I have more inquiries than I did the previous month BECAUSE of that inquiry ... that makes no sense. I pay off loans, leases and CC balances and lose points. Points have just randomly been taken. My wife recently had XXXX points subtracted for 1 hard inquiry and she has new credit... that disgusting. Recently they took XXXX points from her for zero reason, shes an authorized user on 1 of my CC 's which has held a XXXX balance and XXXX points just taken out of nowhere. Stop funding the credit bureaus with our tax dollars, they're in bed with lenders and XXXX XXXX XXXX.
Consumer complaint received 2020-12-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX, a letter was sent regarding in accurate and unknown things on my credit report its been 45 days later and no response received. them people are I feel like are taking advantage of me and they are really really ignorning my dispute. What I do know is that Section 611 ( a ) plainly stated that a failure to investigate these items withn 30 days they have to immediately remove those items from my credit report. This has caused me have emotional stress and I feel like I am losing my mind and I am having nightmares due to this stress of this situation. It has bee over 45 dys so they should be deleted now. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me and my family. My information was also impacted by the XXXX  data breach and my have gotten in the hands of the wrong person like scammers.
Consumer complaint received 2023-08-18
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: EQUIFAX, INC. (MD)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$420.00} XXXX XXXX XXXXXXXX Balance Owed : {$3500.00} XXXX XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2020-12-16
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. (CA)

Due to me being a victim of XXXX XXXX .I have unauthorized accounts that appears on my credit report I request the above accounts to be delete and removed off my Experian XXXX XXXX  XXXX and XXXX credit report. Doing the trouble sometime of Covid 19 when acquiring funds to sustain everyday life is crucial, This unauthorized account has severely hindered me I am requesting that the above unauthorized account be removed immediately from my Experian, XXXX, and XXXX credit report due to my identity been stolen.
Consumer complaint received 2020-12-16
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

I am having issues with Lakeview XXXX/XXXX  in starting a VA streamline refinance application. I have had a forbearance period which is ending at the end of XXXX - Account is current and paid through XX/XX/2020. I have also sent them my intent to refinance back in XXXX and nothing was done with the letter I sent in I am being told that I need to wait 30 days in order to start the VA streamline refinance. I have asked for a written document that states the above guidelines, but Lakeview is sending back to XXXX. While XXXX is stating that they don't deal with the loan application process and that Lakeview is the entity I should contact. 
I was even provided with a XXXX phone number which sends me to a voicemail that states the extension was no longer in service for Lakeview. I spoke to a XXXX at XXXX who provided me with the above phone number. I have asked a " XXXX '' from Lakeview for his last name so I can document my interaction because he stated the 30 requirement and he refused and hanged up the phone. I have called back and I am still getting the runaround. Additionally, soon after these phone calls, I have been unable to log into my account online.
Consumer complaint received 2020-12-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (FL)

We make a payment since a week, they told us they will send us a receipt for the payment and that never happens. 
We call 3-4 times a day every day and they continue telling us the same thing. 
Were trying to buy a house but because of this, that they dont give us the receipt or remove the account from collection Were literally in the streets with our XXXX little XXXX. 
Because of this company Credence Resource Management , LLC
Consumer complaint received 2020-12-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (CA)

XX/XX/XXXXXXXX XXXX provided service XX/XX/XXXX and generated a {$2100.00} and {$280.00} charge but did not submit the claims to my medical insurance in a timely fashion and in XXXX it was first resolved that there was no patient liability. I have disputed the claim on my credit report twice now and have had it removed but they continue to harass me with the same report to credit agencies and affect my credit score.
Consumer complaint received 2020-12-16
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. (FL)

I would like to let you know that I found wrong and incorrect information in my credit report. These accounts that I mentioned in my complain report are not mine. Its pure identity theft, I think someone just used my personal information or I just became a victim of identity theft. I do not recognize these accounts absolutely. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Consumer complaint received 2017-05-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

My husband has a private and federal loan with  Navient. We have struggled off and on to make payments this year. Navient will call each of us up to 10 times a day. When we do answer the phone they are not helpful and do not offer us any other options except to just pay the loan and then they will stop calling us. Now they have reached out to my husbands parents. They are not on the loans an d have never been on the loans. We do not even know how they obtained their information. They called them on a cell phone number with  XXXX   XXXX . They are harassing us and now they are harassing our parents.
Consumer complaint received 2023-05-11
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: Experian Information Solutions Inc. (GA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2020-12-16
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 am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts in Identity Theft. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 
Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 
If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Consumer complaint received 2020-12-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

I already have a complaint in about this company, and I thought it was resolved. After I submitted the CFPB complaint, Mr. Cooper sent me a Complaint Resolution Letter, stating " There is an outstanding balance of escrow advances in the amount of {$10000.00}. Once all of these criteria are met, we will be able to submit a formal review to remove the taxes from escrow ''. A check was sent to Mr. Cooper in the amount of {$10000.00} for the outstanding escrow balance that was due to them, which they have received. I was just sent a letter from Mr. Cooper dated XX/XX/2020, stating my mortgage payment is currently past due for XX/XX/2020 and is due for all payments from and including that date. As of XX/XX/2020, this letter states I owe {$8400.00} to cure the default. This is absolutely incorrect. I have made the same mortgage payment of {$2000.00} every month since I owned the home. Effective XX/XX/2020, my mortgage payment is {$2000.00}, which is what was paid. This company has been paid back the past due escrow that was paid out on my behalf and I was making my monthly mortgage payments ( minus escrow ) the entire time I've been here. There is no way I owe this money as I was not even responsible for property taxes in XXXX - XX/XX/2020. I am a XXXX XXXX service connected veteran and this is taking a huge toll on my mental health and something needs to be done to correct this issue
Consumer complaint received 2020-12-16
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. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2020-12-16
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (OR)

I received a call from XXXX XXXX from XXXX XXXX XXXX ( XXXX ) XXXX on XX/XX/XXXX regarding an account. The account was supposedly a payday loan from XX/XX/XXXX that I did not pay back. However, I have paid back in full all prior payday loan accounts. They could not tell me where the loan originated but they said I could pay them installments of {$590.00} or a lump sum of {$920.00}. I told them I dispute the claim and they said okay, then hung up. They did have my phone number, last 4 of my SSN and my current address. It seems like they obtained information from a previous loan that was paid in full, then tried to claim it was not.
Consumer complaint received 2020-12-16
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. (NY)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2024-05-18
Product: Credit reporting 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)

I REVIEWED MY CONSUMER REPORTS AND NOTICED THAT I HAD ONE LATE PAYMENT ON AN ACCOUNT THAT I WAS NEVER LATE FOR CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE AND HAVE A RESPONSABILITY TO REPORT CONSUMER INFORMACION TO THE BEST OF THEIR ABILITY WITH MAXIMUM ACCURARY. I HAVE NEVER BEEN LATE ON PAYMENT FOR THE ACCOUNT : XXXX XXXX XXXXXXXX XXXX, PLEASE INVESTIGATE AND PROVIDE PROOF WITH STATEMENT SHOWING THAT THESE PAYMENTS WERE LATE, IF PROOF CAN NOT BE PROVIDED, I DEMAND THESE PAYMENTS BE UPDATE TO ON TIME AS THEY SHOULD BE AS I WAS NEVER LATE. THANKS.
Consumer complaint received 2020-12-16
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: Experian Information Solutions Inc. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2020-12-16
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. (CA)

Because I have been a victim of identity theft, I have acquired the most trouble in trying to sustain funds for everyday living during this COVID 19 pandemic. These unauthorized accounts have severely hindered me and my family. I am asking that all the accounts/inquiries listed in this report be removed from my credit report as soon as possible so I can provide for my family.
Consumer complaint received 2023-03-09
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: EQUIFAX, INC. (AL)

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.