davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC (GA)

The person, XXXX, XXXX XXXX XXXX, XXXX A Consumer Report Agency, has been reporting personal information that is not mine, which is causing hardship. I ask for it to be removed after verifying the account on my Consumer Report which is being furnished by a person name Westlake Portfolio Management a debt collector Westlake Portfolio Management has been using my consumer report without my consent. I disputed this matter with the consumer report agency ( XXXX, XXXX XXXX XXXX ) and they just claim to verify the account. I have no documentation of validation upon request.
Consumer complaint received 2023-06-09
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. (FL)

THIS CREDIT FIRST ACCOUNT IS FRAUD AND SHALL DELETE FROM MY CREDIT REPORT. 
I NEVER APPLY OR OPEN THIS ACCOUNT AND THE CREDITOR AGREED TO DELETE THIS ACCOUNT.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Please review attached 1099C that was accepted by the IRS. Debt has been discharged & paid. PER IRS THIS IS TREATED AS INCOME, THEREFORE, IT SHOULD NOT BE REPORTED ON MY CONSUMER REPORT. 
XXXX XXXX XXXX / Acct XXXX XXXXXXXX
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

The following companies have pulled my credit. I suspect someone stole my identity because I have not applied to any of these companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following companies have pulled my credit. I suspect someone stole my identity because I have not applied to any of these companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC (TX)

My Wife and I called Global Lending customer service several times between XXXX, Request for the removal of a late payment reported to my credit. The payment was made on XX/XX/XXXX and XX/XX/XXXX. We spoke with the manager on duty, and they agreed to send us the payment history but was not able to remove it from my credit report. She told us, a payment for {$400.00} was made on XX/XX/XXXX and I was late paying {$53.00}, that is why they report it as a late payment. I made an additional payment on XX/XX/XXXX in the amount of {$900.00} to clear up the account, but they were not able to remove the late payment from my credit. In the past, I asked if my payment due date can be changed to a later date because it was conflicting with my rent that was due on the same day, and it would allow me to make my car payment on time if the date was changed. I explained to the manager on Wednesday XX/XX/XXXX and she agreed to change the due date.
Consumer complaint received 2023-11-12
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: MARINER FINANCE, LLC (GA)

I was offered a guaranteed loan for {$4000.00} and in the process Mariner Finance in XXXX Georgia pulled my credit and told me that my Birthday is displayed where my social security number is and I should call XXXX to fix it on XXXX with them the phone for verification because they arent allowed to call credit bureaus on consumers behalf. So I did just that and then I was told that my credit score isnt reporting so I got that fixed but XXXX said they did nothing to fix it now, I called Corporate to report that office for blowing me off, being rude, not being professional and just all around not doing their job. Corporate calls me back 3 days later to tell me that she spoke with XXXX and she a very nice XXXX  with a great speaking voice and XXXX told her shes doing everything possible to help me so I told her ( I think her name was XXXX ) I didnt call you to check XXXX well speaking voice, I called you because I have been mistreated, tossed aside and the office is being dismissive of me and not doing their job! So now I threaten to call CFPB now the XXXX XXXX told me they can give me a loan for {$2000.00} when in fact my loan is a guaranteed {$4000.00} and that is what I want!
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Date XXXX XXXX Re : Account # XXXX Dear Sir/Maam, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( XXXX ) : XXXX XXXX XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. 
Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX & XXXX ; Transunion or all that apply ) and update the accounts to positive. 
Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TEXAS, XXXX XXXX XXXX
Consumer complaint received 2023-09-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: M&T BANK CORPORATION (TX)

After the passing of my husband, I was asked by my mortgage company to start a probate. These was asked between XXXX I went to a title company and started the necessary paperwork. Complied with them. After all these months of not getting a response as to why I wasn't getting an answer I was inform that I needed a different affidavit due to the fact that in one of the affidavits was from a relative. I went ahead and reach out to the title company. Their lawyer told me that I did not need another affidavit. I related these to them and to my surprise I was told that my house going into foreclosure because the requirements were not made. I am including a pdf file that was provided by the title company.
Consumer complaint received 2023-09-13
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: TD BANK US HOLDING COMPANY (NY)

After filling numerous fraud disputes td bank allowed fraudsters to repeatedly gain access to my XXXX XXXX XXXX, overdraw the account and repeatedly change security notification information associated with the account. After spending hours at the branch as directed by card services, the bank was still using the false telephone # provided by the fraudsters up until I notified them on XX/XX/2023. Fraudsters changed the email address and contact phone # on XX/XX/2023, and and 3 weeks later its still wrong until I changed it. 


The bank would not close the account and was ready to send me a new card even though they allowed over XXXX dollars in charges that are still pending.
Consumer complaint received 2022-12-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (CA)

Back in XXXX my wallet and my cell phone were stolen out of my car along with other things. All of my private information was on my phone and they were able to create a fraudulent XXXX account in my name which has already been shut down. However I noticed back in the beginning of XXXX that there were some transfers to that account that I didn't make. The first transfer was on XX/XX/XXXX for the amount of {$390.00} and the other was the next day XX/XX/XXXX for the amount of {$99.00}. as soon as I noticed the charges I submitted a dispute with Cash app for both charges on XX/XX/XXXX and they denied both disputes. When I asked for documentation on why my disputes we're denied they sent me a form that shows what the charges were for and the amount of the charges but no info explaining how I would be liable for the unauthorized charges that were made fraudulently on my account. I have since then opened another dispute on the same charges and have contacted an attorney and contacted cash app support on multiple occasions and they are refusing to issue the refunds which I am entitled to according to regulation E. I've attached all of my supporting documents as well.
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

Ensuring that payments are always made on time has been my practice with this account, preventing any occurrences of overdue payments. I'm puzzled by the presence of late payment remarks on my accounts and am unsure of their reasons. According to 15 USC 1666b - Billing Error, these remarks should be corrected.
Consumer complaint received 2023-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (VA)

There are HARD inquiries showing on my credit report for accounts I did not inquire about or open. I did report the three inquiries to the FTC and have also attached the three specific inquires showing on my credit report.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX, A DISCRIMINATORY AWFUL EVIL CORPORATION THAT WAS TERMINATED FROM DOING BUSINESS WITH THE STATE OF FLORIDA HOMETOWN HEROS PROGRAM, IS ARTIFICALLY AND ILLEGALLLY PLACING INCORRECT AMOUNTS OF MY MORTGAGE PAYMENTS ON ALL THREE CREDIT REPORTS!! THIS IS DISCRIMINATING AGAINST A XXXX PERSON AND VETERAN AND PREVENTING ME FROM SELLING MY HOME OR MOVING CLOSER TO HELP AN OLDER FAMILY MEMBER. XXXX XXXX  IS PLACING THE WRONG AMOUNTS ON MY CREDIT REPORT, REPORTING THAT I HAVE A XXXX $ LOAN INSTEAD OF A XXXX $ VA LOAN, AND RUINING MY CREDIT SCORES AND REPORTS!! THIS LOOKS TO ANY CREDITOR THAT I HAVE PAID XXXX, REPEAT XXXX ON MY MORTGAGE!!! I DEMAND THAT THEY PROVIDE REASON AND DOCUMENTATION THAT I HAVE PAID XXXX $ OR MORE IN PRINCIPLE. STATE WHY AND SITE THE LAWS OF FLORIDA OR FEDERAL LAWS THAT YOU ARE PURPOSLY AND WITH MALICE STATING THE WRONG MORTAGE AMOUNTS ON Y CREDIT REPORT!! WHAT XXXX XXXX  IS DOING IS ILLEGAL AND UNETHICAL! I HAVE REPORTED XXXX XXXX  TO THE MN AND FL ATTORNEY GENERALS, AS WELL AS THE FICO CORPORATION AND THE CFPB AND THE XXXX.
Consumer complaint received 2023-04-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

They call me EVERYDAY XXXX - XXXX ETC.. 
Told them to stop calling my phone numerous times a day and been harassed by them for OVER A YEAR.Told them to notify me by mail and yet they still keep calling. Block their phone # 's and they keep calling from different phone # 's
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX, A DISCRIMINATORY AWFUL EVIL CORPORATION THAT WAS TERMINATED FROM DOING BUSINESS WITH THE STATE OF FLORIDA HOMETOWN HEROS PROGRAM, IS ARTIFICALLY AND ILLEGALLLY PLACING INCORRECT AMOUNTS OF MY MORTGAGE PAYMENTS ON ALL THREE CREDIT REPORTS!! THIS IS DISCRIMINATING AGAINST A XXXX PERSON AND VETERAN AND PREVENTING ME FROM SELLING MY HOME OR MOVING CLOSER TO HELP AN OLDER FAMILY MEMBER. XXXX XXXX  IS PLACING THE WRONG AMOUNTS ON MY CREDIT REPORT, REPORTING THAT I HAVE A XXXX $ LOAN INSTEAD OF A XXXX $ VA LOAN, AND RUINING MY CREDIT SCORES AND REPORTS!! THIS LOOKS TO ANY CREDITOR THAT I HAVE PAID XXXX, REPEAT XXXX ON MY MORTGAGE!!! I DEMAND THAT THEY PROVIDE REASON AND DOCUMENTATION THAT I HAVE PAID XXXX $ OR MORE IN PRINCIPLE. STATE WHY AND SITE THE LAWS OF FLORIDA OR FEDERAL LAWS THAT YOU ARE PURPOSLY AND WITH MALICE STATING THE WRONG MORTAGE AMOUNTS ON Y CREDIT REPORT!! WHAT XXXX XXXX  IS DOING IS ILLEGAL AND UNETHICAL! I HAVE REPORTED XXXX XXXX  TO THE MN AND FL ATTORNEY GENERALS, AS WELL AS THE FICO CORPORATION AND THE CFPB AND THE XXXX.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX, A DISCRIMINATORY AWFUL EVIL CORPORATION THAT WAS TERMINATED FROM DOING BUSINESS WITH THE STATE OF FLORIDA HOMETOWN HEROS PROGRAM, IS ARTIFICALLY AND ILLEGALLLY PLACING INCORRECT AMOUNTS OF MY MORTGAGE PAYMENTS ON ALL THREE CREDIT REPORTS!! THIS IS DISCRIMINATING AGAINST A XXXX PERSON AND VETERAN AND PREVENTING ME FROM SELLING MY HOME OR MOVING CLOSER TO HELP AN OLDER FAMILY MEMBER. XXXX XXXX  IS PLACING THE WRONG AMOUNTS ON MY CREDIT REPORT, REPORTING THAT I HAVE A XXXX $ LOAN INSTEAD OF A XXXX $ VA LOAN, AND RUINING MY CREDIT SCORES AND REPORTS!! THIS LOOKS TO ANY CREDITOR THAT I HAVE PAID XXXX, REPEAT XXXX ON MY MORTGAGE!!! I DEMAND THAT THEY PROVIDE REASON AND DOCUMENTATION THAT I HAVE PAID XXXX $ OR MORE IN PRINCIPLE. STATE WHY AND SITE THE LAWS OF FLORIDA OR FEDERAL LAWS THAT YOU ARE PURPOSLY AND WITH MALICE STATING THE WRONG MORTAGE AMOUNTS ON Y CREDIT REPORT!! WHAT XXXX XXXX  IS DOING IS ILLEGAL AND UNETHICAL! I HAVE REPORTED XXXX XXXX  TO THE MN AND FL ATTORNEY GENERALS, AS WELL AS THE FICO CORPORATION AND THE CFPB AND THE XXXX.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I used XXXX XXXX XXXX that specializes in credit problems. I paid them monthly for 1 year and still havent been able to correct my credit scores back to XXXX as previously!!! PLEASE HELP!!! 
XXXX
Consumer complaint received 2023-09-13
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. (VA)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is also completely inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-20
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. (CA)

XXXX Consumer Financial Protection Bureau 1700 G Street NW Washington , DC 20552 Subject : Complaint Regarding Credit Report Dispute Dear Sir/Madam, I am writing to file a formal complaint against all 3 credit bureaus for their handling of a dispute related to a charge-off on my credit report. 
I initially disputed this charge-off with Credit Bureau in XX/XX/2023, requesting verification of the debt. Despite my request, Credit Bureau has verified the charge-off without providing me with the method of verification or any proof of the debt. 
Here are the details of the disputed item : Account name : XXXX/XXXX  XXXX XXXX XXXX  Account # XXXX XXXX Acct # XXXX 
XXXX XXXX Acct # XXXX XXXX  Acct # XXXX XXXX  Account # XXXX XXXX XXXX XXXX Acct # XXXX I believe that the Bureaus actions are in violation of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to provide consumers with accurate information about their disputes. 
I kindly request the CFPB to investigate this matter and ensure that Bureau is complying with the FCRA. I also request that the charge-off be removed from my credit report because the bureaus can not provide proof of the debt. 
Please find attached copies of my correspondence with Credit Bureaus for your reference. 
COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX  Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-09-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (LA)

wages are being garnished by XXXX XXXX attorneys for a debt that i am unaware of. they said they served me papers that i did not get or sign for. i asked for proof of this debt and that it belonged to me and i did not receive anything. they do not answer the phone or return calls.
Consumer complaint received 2023-06-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (GA)

the house was not sold to a 3rd party after the foreclosure sale as Wells Fargo stated in their petition. Wells Fargo is now listing the house for lease. The house was removed from the sales market by Wells Fargo. The house 1st sold after the foreclosure sale in XXXX, XXXX  and was eligible for XXXX XXXX XXXX XXXX XXXX through XX/XX/XXXX, XXXX the house was built on tract 1 and tract 2 of lot 25 and only tract 1 is on the Security Deed withe the loan note. Tract 2 of lot 25 is not mentioned anywhere. The border line separating tract 1 from tract 2 goes through the master bedroom. I own the property in back of tract 1 and tract 2 of lot 25 and have paid the property taxes for the last 10 years and lot 2 is not mentioned.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.