davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX-XXXX XXXX XXXX/XXXX  XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX-XXXX XXXX XXXX/XXXX  TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX-XXXX XXXX XXXX/XXXX
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

I am a double victim of credit base victimization. 1st under the Equifax Data Breach crime and second under a recent Electronic Signature fraud victimization. I have been trying to address the issue of electronic signature fraud victimization through Equifax 's website and I am unable to do so because of fraudulent ID verification information inside Equifax 's data base precluding me or obstructing me from being verified through their website. I then tried to get my ID verfied with Eqfx over the phone and the same thing is happening. Equifax has misinformation in it's data base which then is asking me personal credit questions which Equifax believes is True and is really false and I am expected to come up with correct answers to false questions which I can not do. By me not being able to do this, this has rendered my ID unidentifiable and therefore locked out of credit base services through equifax. I faxed Eqfx information which their customer service rep gave me over the phone in order for me to correct the misinformation that's on eqfx 's database. By the way, I also do not have a cell phone number and I am being forced by Eqfx to provide a phone number to them and given no choice to select I do not have a cell phone number and to provide an alternative ph number of a home ph, which by the way, is not in my name but in my mom 's name. I am being forced to tell falsehoods about this since If I do not give a phone number of some kind, I will not be able to proceed further into getting help from eqfx automated telephone srvc # I sent these docs requested by eqfx to fx # XXXX from a local fax # and it went through without any problem in order to get services from eqfx. I sent this fax to Equifax and eqfx has not contacted at all they received my id verifiying information by [ mfax nor can I speak to a live eqfx cust srvc rep to verify this fact.
Consumer complaint received 2020-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-21
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX
Consumer complaint received 2021-03-12
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. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021.
Consumer complaint received 2020-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX-XXXX XXXX XXXX/XXXX  Experian XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX-XXXX XXXX XXXX/XXXX  XXXX  XXXX XXXX. XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX-XXXX XXXX XXXX/XXXX
Consumer complaint received 2019-12-17
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (AR)

I HAVE TRIED SEVERAL TIMES TO RECTIFY THIS IDENTITY THEFT ACCOUNT WITH HOME DEPOT AND XXXX AND THEY ARE REFUSING TO HELP. I NEED THIS ENTRY OFF OF MY CREDIT REPORTS ASAP AS I AM A VICTIM OF IDENTITY THEFT. I WILL BE FILING LAWSUITS AGAINST THE CREDITOR AND BUREAU FOR THE MAXIMUM COMPENSATION BY LAW.
Consumer complaint received 2021-03-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (HI)

I have had a 30 year home loan at 4.5 % with Mr. Cooper since XX/XX/XXXX. I make the payments on time and regularly add another {$500.00} to the loan to further reduce my loan balance. I applied in XXXX of XXXX to refinance my current loan with Mr. Cooper to a Conventional15 yr Fixed loan at 2.25 %. This loan modification will result in the same payment amount I have been making for all these years. No change in my payment amount. Although I have a solid credit history and have a long unflawed payment history with this company they continue to find an excuse to approve the refinance excusing themselves by claiming underwriter requirements and XXXX XXXX and XXXX XXXX guidelines. Since my initial refinance application I have submitted document after document to complete this refinance process. Each time I complete one request they come up with some additional piece of information to again delay or halt the loan refinance. This is now seeming more like harassments then reasonable and justified requests. They themselves admit that there is no doubt I can afford the payments for this refinancing option, however they refuse to approve the refinance option further using the excuse that they must insure there is no criminal activity associated with this loan such as money laundering. I am a retired XXXX XXXXXXXX from the XXXX XXXX XXXX. I also am retired from the XXXX and am XXXX XXXX XXXX. Again, I can afford the new loan and this makes no sense based on my history and my current financial situation. There needs to be oversight and accountability to this lenders unscrupulous practices.
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Capital One is reporting erroneous lates on my credit file. During this last year i experienced hardship due to COVID. I called Capital One and let them know so that we can work something out. I let them know that my income was cut and money was tight due to the pandemic. They were willing to work with me but unfortunately i was only able to make partial payments for a few months until i got completely caught up. Like i mentioned before i was in contact with them through out the whole process and continued making payments just not the full amount. I am asking if they could remove the lates for these months. I truly did not mean to be late nor did i want to be but under the circumstances i tried my best and got them partial payments. Under the federal mandate, CARES ACT you can not report lates during the pandemic and as i stated before these lates payments were caused by the pandemic. I have this account open for a few years now and if you see my records you can see I always made my payments on time up until we hit the pandemic. Please remove these lates from my credit file.
Consumer complaint received 2021-03-19
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BSI Financial Holdings, Inc. (MI)

This is in rebuttal to XXXX.While the XXXX is addressed. Where is the overage of the {$200.00} will now be applied to? You have not addressed that. 

Also, why didn't I receive written documentation on this. A customer is entitled to know what is being done to an individual 's account. This is illegal. 

I would like written documentation on what the intent is for the rest of the money you illegally took from me during bankruptcy.
Consumer complaint received 2020-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXX - Contacted XXXX XXXX  prior to debt showing up on my credit file, I let them know debt was invalid. I followed up because the correspondence said I must respond within 30 business days or debt would appear on credit file. I called - Company stated they would contact the issuer of debt and place a dispute in regards to a debt of XXXX $ which showed on my credit file for XXXX XXXX  XXXX XXXX. 

XX/XX/XXXX- After waiting 30 days with no response, I called back company said they were still working on it and not to worry wont be on credit file, while disputing. 

XX/XX/XXXX- debt appears on credit file- I was was trying to rent a home. This prevented me from renting home of my choice. 

Contacted the company - company stated a representative accidentally put it on credit file I sent second dispute letter XX/XX/XXXX requesting removal from credit file. 
Followed up : XX/XX/XXXX. 
Company Stated : didnt receive dispute. 

I sent third dispute letter XX/XX/XXXX Followed up :  XX/XX/XXXX. 
Company Stated : dispute was received. 

Contacted company - XX/XX/XXXX to check status of dispute, because I had not received a letter in mail or any followup in regard to debt validation. 

Company stated : dispute not received - However my credit report stated account disputed by consumer meets FCRA guidelines Contacted company today XX/XX/XXXX to check status rep is now saying no dispute on file. After last rep stated dispute received. This company is giving me the run around and has not after almost a year responded to any of my concerns. My credit score is declining because of this company. 



Company is about a 1 year past the required 30 day FCRA debt validation. The company is based is US however their call center is not it appears reps are script reading and doesnt follow up. Please, help. Thank you.
Consumer complaint received 2021-03-19
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: URS Holding, LLC (GA)

was contact around the XXXX of XX/XX/2021 by all tran who provided me an address and I stated that I no longer lived there and they said they sent a letter there disclosing my business to somebody else that's not a friend or family then he demanded my new mailing address which I provided to him in agreement that he would send proof that I owed the debt along bills sent from Arizona state and there was nothing of that sort included in the letter just a piece of paper stating they received the account in there office and that letter was dated XX/XX/XXXX of XXXX the debt collector XXXX XXXX with alltran education financial called me on XX/XX/2021 and kept asking me what my plans were after I told him multiple times that I no longer wish to communicate over the phone and I only wished to receive written documentation thru the mail and I was forced to hang up because he would not respect my rights.
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (FL)

Its simple under the law we are entitled to adverse action free credit report. We have had a number of adverse actions ad poor credit lately due to untimely and incorrect reporting and in aility to access via any and all venues technology or means what Experian claims is the method for securing such. We are locked out at every single turn! FTC- " Under federal law, youre also entitled to a free report if a company takes adverse action against you, like denying your application for credit, insurance, or employment, and you ask for your report within 60 days of receiving notice of the action. The notice will give you the name, address, and phone number of the credit reporting company. Youre also entitled to one free report a year if youre unemployed and plan to look for a job within 60 days ; if youre on welfare ; or if your report is inaccurate because of fraud, including identity theft.So why are we bing denied and why is it you can not assist?
Consumer complaint received 2021-03-19
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: CL Holdings LLC (IA)

Initially I opened a car loan with XXXX XXXX then a couple years later that loan was sold to XXXX XXXX. On XX/XX/XXXX. XXXX then at the time considered my loan paid off with them. Now XX/XX/XXXX I get notified that they sold a delinquent loan to Jefferson Capital collection agency. The account they claimed is delinquent- I have and had zero knowledge of it or ever consented to that. Ive tried calling and sent a letter to them but the line is disconnected and mail is yet to be responded to.
Consumer complaint received 2021-03-19
Product: Credit card or prepaid 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: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX I purchased a phone off XXXX XXXX and used my wells fargo debit card on XXXX XXXX to pay seller who didn't send the phone and blocked me for all means of contacts I contacted the bank while the payment was still showing as pending but was dragged in forms and calls till it cleared. I filed dispute and requested refund based on card protection after bank failed to stop payment
Consumer complaint received 2021-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION (VA)

I have been unable to access my M & T bank checking account online all week. I have attempted access at least 20 times over multiple days this week. I sent an email to the bank earlier this week and the bank replied the next morning that the online access issues were resolved. That was inaccurate/false. I was still unable to log in as the site hung up at the 'account summary ' page and failed to load. Internet searches suggest to me that this is a widespread problem among many M & T customers, and not an issue specific to my hardware or software. I am able to log in without issue to all other financial sites. To add insult to injury, M & Ts phone lines are overwhelmed. There appears to be a significant issue with M & T 's web and mobile platform which warrants serious regulatory intervention.