davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I started to monitor my credit with XXXX and noticed a few information that i did not recognize. I realized that there are inquiries on my credit report that i did not allow to be placed. I did not give anyone the OK to use my credit. I have listed the inquiries along with the dates of each individual inquiry. 

Transunion XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) I spoke to a customer service representative from XXXX and Transunion so that the inquiries can be removed. The inquiries are still reporting on my credit report. I do not know what to do, i have even spoken to a supervisor but they will not help me.
Consumer complaint received 2024-01-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (PA)

Company has failed to make XXXX year property and school district taxes, refunded money to me out of my escrow without an explanation, township and school district put a lien on my property, are suing me, and are threatening to sell my home for nothing I did wrong. They recalculated my escrow and are now demanding additional XXXX dollars a month to put into escrow to cover their costs of not paying property or school district taxes
Consumer complaint received 2023-01-24
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. (NE)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting items as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them form my file immediately : 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 2023-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MD)

I opened a account in XXXX and I had money in the account XXXX should be left in the account and I went to withdraw money from my account and I did then the next day they had locked my account and said they are closing my account and dont want to do business then when I talked to a manger at my local bank they told me to leave and that my money will be mailed to me in a check I never received it
Consumer complaint received 2023-01-24
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. (SC)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-24
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. (NE)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting items as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them form my file immediately : 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 2023-12-08
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an accounts passed on that should be taken out or blocked. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (FL)

It is impossible to get a line increase, the process is ridiculous I have a fraud alert, so they have to call me everytime i request an increase, they call you once and if you dont pick up the phone they close the case if you callback you have to start a new request and they will pull credit AGAIN, this is the 3rd time they are pulling credit.there is no fair process it is very unfair after one phone call closing the case and pulling credit every day in less than 30 days, I have filed so many complaints about their credit increase practices. Its pretty much impossible to get a line increase, sometimes they said I was declined due to credit and the information is false, no supervisor cant take a look at your case even though information is false. However my Identity was stolen and the fraudsters got a XXXX cc and I couldnt get an increase the inquiry was never removed it was handled the worst way I called to reported and it was never done. This is abusive and this company has the full support from the government while consumers are being disrespected and abust
Consumer complaint received 2023-01-24
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. (SC)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX appear on my Transunion credit report as hard inquiries, I have disputed many times this hard inquiry via Transunion and also directly by calling this company but every time Transunion and also this above mention company denied my petition to send me any document that shows who autorise them to pull up my credit and make any application. ONCE AGAIN I REQUEST DOCUMENTATION ABOUT THIS HARD INQUIRY TO BE SEND TO MY MAILING ADRESS OR OTHER WISE THEY NEED TO DELETE THIS HARD INQUIRY.
Consumer complaint received 2020-03-11
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. (IL)

Sent dispute letter of unauthorized inquiries to equifax. They received the dispute on XXXX and sent me a response to my dispute on XXXX.
Consumer complaint received 2023-01-24
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. (LA)

My name is 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 2020-03-11
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)

First sent all information to all three credit bureaus in XX/XX/2019 to correct errors on credit reports. Credit reporting companies never fixed problems or gave updated credit reports to me or my wife. Can't correct problems if the credit bureaus don't co-operate with federal laws.
Consumer complaint received 2023-01-24
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. (NC)

In accordance with the fair credit reporting act the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 1.5 USC 1681 SECTION 602 States I have right to privacy. 15 USC 1681 Section 602 its also states a consumer report agency can not furnish a account without my written instruction. 15 USC 1681 Section c [ a ] 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 conviction of crimes which antedates the report by more than seven years 15 USC 1681-2 [ a ] a person shall not furnish any information relating to a consumer to a consrmer reporting agency if the person knows or reasonable cause to believe that the information is inaccurata.
Consumer complaint received 2023-01-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC. (IL)

On XX/XX/2023, I issued a certified check ( XXXX XXXX ) via my bank, XXXX XXXX XXXX XXXX ( XXXX ), in order to make an escrow payment to my mortgage servicer XXXX XXXX XXXX  ( XXXX ). On XX/XX/2023, the funds were made available to XXXX. I called ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX, after I noticed that funds were not properly applied according to the instructions on the check. A Representative from XXXX was unwilling to answer my questions, so I asked the call be escalated. After being on hold for 26 minutes, XXXX hang up on me. I called back again at XXXX XXXX XXXXXXXX and requested to speak to a supervisor. A Representative from XXXX put me on hold for an additional 16 minutes, claiming no supervisor was available. XXXX was unprofessional and lacked accountability when I tried to resolve the issue before filing this complaint. XXXX failed to follow the instructions provided on the check and misapplied funds on the mortgage account.
Consumer complaint received 2023-01-24
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. (NJ)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Balance : {$230.00} XXXX XXXXXXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-05-17
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MN)

XX/XX/XXXX we were having trouble keeping up on top of our bills and called Wells Fargo to see about applying for the Affordable Housing Mortgage. Because we were not behind on our payments at that time Wells Fargo instructed us to stop paying our mortgage and call back in 3 months to get the process started as we needed to be behind 3 months before they would help. We stopped paying our mortgage for 3 months and called again. They sent paperwork for me to complete and fax to them. I had faxed this information several times, in which they said the paperwork was old and that I needed to send this information again. This went on for months. In XXXX of XXXX Wells Fargo stated that we were not denied the modification and because we did not send in the paperwork they foreclosed on us. I saw in XXXX that Wells Fargo had been found to have illegally foreclosed on home owners and they had sent out money to those that had been impacted. Because I had not been contacted by them, I reached out to them and asked Wells Fargo for documentation. They have sent me documentation with very conflicting information. They say I was not in contact with them, but they have call records that state I was. They said they made several attempts to reach me regarding documents needed without success, however they have records again of me being contacted and receiving the information they needed on time. They state they have done nothing wrong, even though the paperwork says otherwise. I then saw that Wells Fargo again was made to pay people for wrong doing and again I have not been contacted by them. Please see attached documentation.
Consumer complaint received 2023-01-24
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. (GA)

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

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 XXXXXXXX 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 2020-03-12
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. (GA)

There are inquiries on my report that I did not authorize. I have sent letters to each bureau stating that these were unauthorized inquiries and they are still continuing to report these inquiries. They also have some of my personal information incorrect as well as reporting accounts late that I know I was never late paying.
Consumer complaint received 2023-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (AL)

I filed a dispute with Chime for merchandise not received against a company on XX/XX/23 for {$38.00}. They closed my dispute saying merchant issue credit. I sent proof from the merchant showing that the credit was for another order so they reopened my dispute. 

They reopen my dispute and sent me a letter saying they issued me temporary credit for {$38.00} on XX/XX/23 and it was final. 
Ive emailed them multiple times advising they never issued credit to my account and they are violating regulations E policy and they never replied back. 

I told them to dispute the full amount charged now $ XXXX.
Consumer complaint received 2022-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SOUTHWEST COLLECTION SERVICES INC. (CA)

I recently discovered two collection accounts on my credit report. The accounts were listed under Southwest Collections. The original Creditors were XXXX XXXX ( {$180.00} ) and XXXX XXXX XXXX ( {$75.00}. ) I called Southwest Collections on XX/XX/XXXX to tell them I was unaware of the debts. The representative of Southwest Collections told me the debts were my wife 's debts but that I was responsible for them because California is a community property state. The representative said I was mailed notification of the debt in XXXX. I told him I never received it and ask him to send it again. He told me to contact the post office.
Consumer complaint received 2023-01-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

I complained because, they charged overdraft fee like {$400.00} because, I didnt not have money to cover the but I did, they did not deposited on time just to charge me overdraft fee.
Consumer complaint received 2024-03-20
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. (MI)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I haven't missed any payments
Consumer complaint received 2020-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Several years ago debt was settled. Was settled around XX/XX/2013. Every couple of years since settlement, Portfolio Recovery Associates, LLC tries to collect the debt that was settled. Each time I remind them it was settled. Now they have sent me another collection notice. The amount they are asking for is {$720.00}.
Consumer complaint received 2023-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent Transunion a dispute letter ( certified mail ) on XX/XX/XXXXXXXX  requesting to look into some disputes. My request was not fully looked into. I never received an updated report of all disputes. I send that same dispute request on XX/XX/XXXXXXXX  its still pending. I decided to call today XX/XX/XXXXXXXX  and spoke to XXXX. XXXX stated they have not received any type of documentation from me and there was no pending disputes. I continued to tell her I have certified documentation showing they signed for it and on my membership with Transunion, I could physically see 1 dispute. She then transfered me to a supervisor named XXXX. XXXX refused to look into the inqury disputes. I have tried to reach out to creditors and have gotten no where and wanted transunion to investigate these disputes and they said they don't investigate inquries. They are the reporting agency and are suppose to report accurate information and if not accurate to investigate but they refuse to do so. He also told me that if I contact the creditor and don't receive a deletion notice then my other option is to leave them on my credit for 2 years. He also mentioned a FTC report but I don't feel comfortable reporting an unrecognized charge as a fraud charge without it being verified/investigated first. I only requested transunion to investigate these inquries for accuracies and they refused.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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

has violated my rights. Or a list of inquiries : 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 2020-03-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

Within the past 3 months, I have tried at least 2-3 times to get an invalid trade line, being reported by XXXX XXXX, removed from my Credit Reports. However, despite the conclusive evidence that I have sent in, XXXX, XXXX, & Experian will not remove this trade line because they are in bed with XXXX. 

Anyhow, I have also disputed this trade line directly with XXXX and they refuse to delete it. Fortunately, XXXX sent me a printout of what they consider to be validation of the debt. However, this printout clearly contradicts my payment history. 

For the billing period XX/XX/2018 to XX/XX/2018, the docs sent to me by XXXX claims that I had a previous balance of {$380.00} and no prior payment was received. However, I have attached the email from XXXX showing that I made a payment of {$100.00} on XX/XX/18. Cell phone bills are paid prior to the billing period!! 

Furthermore, XXXX isn't reporting the last payment date or when the account became delinquent. 

I have attached to this complaint my last 3 payments to XXXX along with the bill summary that was sent to me by XXXX as debt validation.