davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-14
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: WELLS FARGO & COMPANY (CT)

My credit score continues to decline due to old fraudulent debt that continues to reappear on different bureaus. Wells Fargo added charged off debt from XXXX. They have me owning a vehicle that they took. They have not sent me any documentation that shows I had a loan with them. They added it to my credit reports after the credit bureaus removed the debt. This continues to happen over and over again. I thought it was illegal for creditors to add debt with different dates to all three credit bureaus. I am XXXX XXXX XXXX and have been fighting all this fraud on my credit for years. I dud hire an attorney but he needs documentation. He also stated in my case that Wells Fargo should not be showing anything on my credit report due to this being disputed. He also stated that no one can add debts with different dates on my credit report after it was removed due to me being an identity theft victim.
Consumer complaint received 2022-12-09
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-14
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. (VA)

I have recently checked my credit report and noticed that there are about 9 inquires on my report. Majority of them are inaccurate. I have filled out a FTC report with the inquires that are inaccurate as i have not authorized these companies to run my credit. Only XXXX is the inquiry is accurate the rest are not.
Consumer complaint received 2023-09-14
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CMG MORTGAGE, INC (VA)

Issue : CMG Financials is intentionally delaying assumption of a 2.75 % VA home loan. Their delay tactics are in the 3rd month, impacting three military veterans : the one who wants to purchase and the military veteran homeowners ' ability to sell our home, one of whom is a XXXX XXXX XXXXXXXX veteran. There is no reason CMG should not be able to move faster with the loan assumption process - this is standard practice for financial institutions holding VA home loans. At this point, we can not proceed with the prospective buyer to even complete his part of the paperwork because CMG Financial first needs to render the ( very simple ) decision that our VA loan is assumable. While we understand it may not be in their financial interest to have someone assume a 2.75 % home loan given today 's mortgage rates, it is the veterans ' right to be able to do so - CMG 's delay tactics may be imperiling the financial situation of other veterans as well, which is why we are seeking help now to move this along. Below is a general timeline of our highly bureaucratic interactions with CMG Financial to date : XX/XX/2023 - submitted required documentation ( " Preliminary Request for Assumption/Release of Liability '' form ) to CMG Financial 's `` Assumptions Department '' at XXXX ) and via certified mail to XXXX XXXX XXXXXXXX XXXX, NJ XXXX. The reason for my request is that we have a buyer for our property. As a military veteran, he wants to assume our 2.75 % VA loan. 

XX/XX/2023- I heard nothing back from CMG Financial, so I called in XXXX to follow up. I requested to speak to one of their mortgage managers and was able to do so. The mortgage manager advised that she would contact the Assumptions Department for status and stated that I am not allowed to do so, even as the homeowner with the mortgage needing quick resolution to sell my home. 

XX/XX/2023. I received no status update until I called the CMG mortgage manager back on XXXX XXXX for status. Surprisingly she called me back the same day. However, she then stated that I must re-send via email the same documents I originally sent ( via email and certified copy ) in XX/XX/2023. She also stated CMG Financial will not respond to my email and that I can not call them. The waiting game continues...
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: General Motors Financial Company, Inc. (IL)

I have never been late with their company just this once. I contacted GMC financial on this matter. I sent over documentations regarding my father who was on his deathbed and he did not have insurance, and I had to literally pay all of his medical bills out of pocket. I asked if GMC could extend the date and I will pay them when my next paycheck comes. I sent over a letter from the doctor and the nurse, including his bills which is a violating from HHIPA. GMC had no remorse to the letters or my family tragedy and I feel like that was unfair because Ive never been late. This was a life or death situation either pay them and my dad dies. If GMC could just remove the late fee and stop assassinating my character to other companies that pulls my credit report. GMC are making other companies believe that I dont pay my bills on time and thats not true.
Consumer complaint received 2022-12-08
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. (AL)

I disputed an inaccurate credit card on my report for all three bureaus. I disputed the XXXX XXXX credit card for {$7400.00} on my XXXX, XXXX, and Equifax. I disputed the XXXX Bank for {$13000.00} on my Equifax which was removed from XXXX and XXXX. These accounts were reinserted without proper notice. The FCRA states that my information may not be reinserted on your credit file by the credit reporting agency unless the furnisher of the information certified that the information is, in fact, true and accurate. Furthermore, the consumer reporting agency is required to send the consumer written notification within five business days that the information has been reinserted on your account and provide contact information for the company that furnished the information. I successfully disputed and had a delinquent account on my credit report removed. 

The XXXX account in the amount of {$13000.00} is closed, but still reporting. This account was disputed and removed from all three bureaus. It was only reinserted back on my Equifax.
Consumer complaint received 2024-04-04
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. (CA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) require the XXXX credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX {$46000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2023-04-29
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: EQUIFAX, INC. (CA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the Fair Credit Reporting Act Kohls/Capone acct 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 an account without my written instructions.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit account under open end consumer credit plan as late for any reason. 

I respectfully demand these alleged late violations of my rights be deleted or changed to Paid as agreed/never late. 
I request proof that I was notified of such alleged late payments.
Consumer complaint received 2023-09-14
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

This company was abusive to the collection of debt that has been cancelled by the creditor with a1099c I been asking for a copy for months never received one. They were mailing information to XXXX party family members addresses calling texting frequently on the same day. I loos my livelihood during Covid I was in XXXX XXXX in nyc and lost all 3 once my locations due to visitor restrictions
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-09-14
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)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-04-02
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. (AZ)

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (WA)

On XX/XX/XXXX, I ordered food from grubhub. Per my card terms, I get a {$10.00} XXXX XXXX It was pending after purchase immediately. It did not post until XX/XX/XXXX which took up my XXXX credit and not my XXXX one correctly. I spoke with XXXX and they confirmed it was Amex who took time to post while Amex kept blaming the merchant. Amex contradicted themselves repeatedly ( XXXX, a customer service manager ) as to why they would not issue a credit. Refused to see my order date and kept not answering my questions.
Consumer complaint received 2022-12-08
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. (IL)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A : states I have the rights to privacy. 15 U.S.C 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-09
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: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-14
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: WELLS FARGO & COMPANY (CT)

My credit score continues to decline due to old fraudulent debt that continues to reappear on different bureaus. Wells Fargo added charged off debt from 2016. They have me owning a vehicle that they took. They have not sent me any documentation that shows I had a loan with them. They added it to my credit reports after the credit bureaus removed the debt. This continues to happen over and over again. I thought it was illegal for creditors to add debt with different dates to all three credit bureaus. I am XXXX XXXX XXXX and have been fighting all this fraud on my credit for years. I dud hire an attorney but he needs documentation. He also stated in my case that Wells Fargo should not be showing anything on my credit report due to this being disputed. He also stated that no one can add debts with different dates on my credit report after it was removed due to me being an identity theft victim.
Consumer complaint received 2023-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-01-10
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)

My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-09-14
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-02
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)

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 XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX  XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account NumberXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit 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 XXXXXX/XX/XXXX 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 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-03-30
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)

This is my XXXX 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-02
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. (NY)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX