davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-04
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. (KY)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/23 but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX Balance : {$4300.00}
Consumer complaint received 2020-03-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX granted me credit a line of XXXX 2016. Payments are continually report negative late payments on credit file. Funds are available in savings and not checking. Instead of removing available funds ; the company furnish inaccurate information on credit file. With this type of reporting continues to enable credit worthiness and growth in score. According Federal Reserve Board this is illegal. In addition, during multiple late payment reporting, a protection instituted by XXXX in case my health becomes compromised and unable to work Requesting all late payments to removed from tradeline
Consumer complaint received 2020-03-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

XXXX XXXX granted me credit a line of XXXX 2016. Payments are continually report negative late payments on credit file. Funds are available in savings and not checking. Instead of removing available funds ; the company furnish inaccurate information on credit file. With this type of reporting continues to enable credit worthiness and growth in score. According Federal Reserve Board this is illegal. In addition, during multiple late payment reporting, a protection instituted by XXXX in case my health becomes compromised and unable to work Requesting all late payments to removed from tradeline
Consumer complaint received 2024-05-14
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. (CA)

all documentation has been sent to Transunion to effectively block /remove account from my Transunion consumer file of account XXXX XXXX XXXX # XXXX this is in regards to an identity theft Fraud account that Transunion reports illegaly. CFPB I have to have this issue resolved. Transunion is in the business of pushing private company policy instead of abiding by Federal law as it is being governed. Federal Law is Required to be followed ( FCRA ) Transunion seem to be ignoring such law. CFPB remind Transunion that they are not above the law.
Consumer complaint received 2021-11-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (OH)

Dept Collector says I owe money to XXXX XXXX and I don't owe them any money and I am in month to month lease and they told me that if you want to move out just to let them know before 30 days and I called them and it was during COVID and XXXX village apartments and told them a head of time like 40 days before I leave I am not going to stay there no more and I will be moving out and I have been paying them on time and the before I dropped my last check I called them and told them as well I will jot be leaving from next month and they advised me they are not working from the office and told me to drop the keys in the mail room when I leave and I will be fine and like after few month i called them to get my security deposit back and new people were their and they were like you owe us money and I didn't the rent for few months with is false and they were saying if you don't pay us money we will send you to Dept collector and after few month I see, u credit report went down and I can see I woe XXXX village money which is wrong and is a false statement I paid and informed them a month ahead before I leave. I followed their instruction as they told me on the phone and they told I will be fine and not to worry about it and they messed me up so bad. Please I want to remove this from my credit report. I do not owe them any money this is false. Please help me with this. 
XXXX XXXX XXXX {$9700.00} XX/XX/2021 2021
Consumer complaint received 2020-03-01
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mr. Cooper Group Inc. (TX)

Mr. Cooper fka Nationstar is sending monthly mortgage statements with an arreage balance of more than {$250000.00} owed by me. I owe no debt to Mr. Cooper or anybody it represents. Mr. Cooper can't validate any debt I owe to them and should cease sending harassing mail through the united postal service committing mail fraud.
Consumer complaint received 2020-03-01
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. (MD)

The Bureaus have taken longer than 45 days to properly investigate my complaint and remove erroneous information from report. This is Violation of the FCRA.
Consumer complaint received 2020-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (AZ)

On XX/XX/XXXX I closed on a home purchase with Quicken loans. I chose to waive escrows and paid additional cost on my loan because of this. I also had to pay my homeowners insurance policy in full for the year in order to accomplish this. I paid the extra cost and policy in full. ( Closing disclosure, Page 2 section F. prepaids ) On Monday XX/XX/XXXX I began to receive emails from Quicken indicating my insurance policy has expired and is no longer valid & they need my new insurance information. That same day, my cousin who is the co-borrower on the loan & I reached out to Quickens customer service team and provided them with the same insurance deceleration page showing the same policy from when the home was purchased. ( We did not change policies or companies ) They confirmed it was an issue/error that will be resolved. A few months go by with nothing else regarding this. 
As of today XX/XX/XXXX. When viewing my XXXX mortgage statement ( see attached ) it indicated we have - {$2800.00} in the escrow balance**. On page 2 of the same mortgage statement it indicates ** means " A negative balance is a result of a payment Quicken Loans has made on your behalf to cover any outstanding charges or fees. '' Quicken also issued an escrow analysis statement ( see attached ) which states the following escrow shortage is at {$4300.00} and starting XX/XX/XXXX my new payment will be {$1600.00} which covers principal and interest, escrow & escrow shortage. 
My insurance policy never lapsed. Quicken was made aware of this after there first notice. 
I paid extra to waive an escrow account, I paid my policy in full at closing to waive the escrow account.
Consumer complaint received 2020-03-01
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

XXXX XXXX, XXXX. as Trustee for the benefit of XXXX XXXX XXXX XXXX XXXX XXXX wrongfully retained {$25000.00} of surplus proceeds arising from the foreclosure sale of my homestead property. 

Under Florida Law, surplus proceeds arising from a foreclosure sale belong to the owner of record as of the lis pendens date. However, instead of returning the overpayment to me ( as requested ), the Trust reported it to its investors as a 3.480 % " Gain '' realized from the liquidation of my loan. 

This constitutes civil theft in the State of Florida.
Consumer complaint received 2020-03-01
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. (MD)

The Bureaus have taken longer than 45 days to properly investigate my complaint and remove erroneous information from report. This is Violation of the FCRA.
Consumer complaint received 2023-11-29
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. (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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2021-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (PA)

On XX/XX/2021 discover closed my account stating it was a business decision to close my account because personal information was not able to be verified. However, on XX/XX/2021 I signed and returned the IRS consent form XXXX discover requested in order to verify my information. I provided all my personal information accurately and weeks later they still closed my account because they apparently were not able to verify my personal information. I called and attempted to have this resolved with the company and they would not help me. The only response they would provide me is it was a business decision to close my account and they could not help me any further. Ive had this credit card for over 3 years and Ive never missed a payment. I also use the credit card often. They closed my account and now my credit score has lowered. I was hoping that my credit score would not be affected since this account was in good standing prior to closing.
Consumer complaint received 2019-12-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NV)

I recently filed an identity theft report in XX/XX/XXXX and there is still showing a collection from Credit Collections SVCS for {$320.00}. I included an identity theft affidavit with my report and it needs to be removed immediately due to identity theft.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This card is not mine. Even on my Equifax credit report it states Undesignated-O : Individual 's association with this account is unknown. 

Account details Account status Over XXXX  days past due Account type Revolving Account number XXXX XXXX Date opened XX/XX/XXXX Date closed XX/XX/XXXX Past due {$650.00} Responsibility Undesignated
Consumer complaint received 2022-09-15
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. (TX)

There are multiple errors in the listing that are damaging my credit. I requested an investigation and the removal of the inquiries and charge-off accounts. No changes were made. No investigation was conducted at all. Please remove and update these items immediately. Below are the inaccurate accounts on my credit report : Inquiries 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 2023-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've seen erroneous information in my credit report before, and this is only the latest instance. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) require the XXXXcredit bureaus to verify these items. Without validating them within the legally required time frame, it is unacceptable to report these items as unconfirmed information. Investigate, make changes to, or entirely remove the following erroneous information from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

I was notified by XXXX that a transaction was made for {$3400.00} to an merchant unknown by me so I file a fraud claim with the bank, They made a provisional credit to my account after calling the claims department several times and also visiting the bank a few time more about this issue. Then this weekend of XX/XX/2022, I received a letter after a period of about 2 weeks of their investigation that they had decided that I authorized the transaction or approved some else to make the transaction, and so they denied my claim. I am very angry about this as I DID NOT make or authorized this transaction using my ATM card. I further call the bank to cancel that card in question, and they send me another card in about 10 days. I have until XX/XX/2022 when my account will be debited for this amount unless I can get them to investigate this claim further, as it was deemed closed stated in the letter from the bank.
Consumer complaint received 2020-03-01
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. (NY)

I disputed a tradeline ( XXXX XXXX XXXX ) ( XXXX ) with Equifax which is reporting on my credit report 4 times for the same tradeline and they reported back that it was verified. I want that tradeline deleted as it is reporting 4x.
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (PA)

Hi, it is today XX/XX/2024. I was trying to deposit a check through mobile deposit. 
it prompt me if I would like to have immediate funding. I thought this is convenience and hit yes. the next page start to show that a fee is charged for this feature. and I thought I do not need it and want to roll back. but it is already too late. 

After this, I call immediately to the branch and they are saying this is something that can not be reversed.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion has not responded satisfactorily to any of my request. TransUnion has violated my right to fair and accurate reporting pursuant to 15 USC 1681. TransUnion is in violation of 15 USC 1681i ( 6 ) ( b ) ( iii ), information requested was not provided in regard to the method used to verify the information being reported. TransUnion is in violation of 15 USC 1681a ( 3 ) ( e ) investigation relied solely on the furnisher and no personal interviews with anyone who may have first-hand knowledge of the transactions. TransUnion is in violation of 15 USC 168e ( b ) and did not use reasonable procedures to assure maximum accuracy of the information. TransUnion has not provided information obtained from furnisher verifiable proof of permission either verbal or written to report items on my consumer report pursuant to 15 USC 6802 and has violated my right to privacy. TransUnion has caused me financial and emotional hardships due to denial of credit that would be used for my personal, family and household purposes. TransUnion continues to ignore my request to correct these errors. TransUnion continues to provide inconsistent information on my report. TransUnion is in breach of a fiduciary responsibility to verify any and all information being reported and continues to slander my name which is published to the public
Consumer complaint received 2019-11-30
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. (NV)

On XX/XX/XXXX, I submitted a dispute letter to all 3 Major Credit Bureaus about accounts on my Credit Profile that was inaccurate. All The major credit Bureaus submitted me an reinvestigation completion letter on XX/XX/XXXX. 

The reinvestgation letter stated that all accounts have been confirmed as accurate and that the investigation was complete. On XX/XX/XXXX, I submitted a 2nd letter to all major Credit Bureaus asking them how did they verify this information and I would like Validation from them as to who they spoke with verifying this information. 

All 3 Major Credit Bureaus have yet to provided me with validation information on how they confirmed these delinquent accounts were mine. They have yet to respond accurately to my second letter. Instead, these major credit bureaus have ignored my dispute letter and letter of validation. I have yet to receive an accurate response and validation of my accounts. It has been over 30 days since my 2nd dispute letter.
Consumer complaint received 2020-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC (PA)

Credit control LLC continues to furnish information incorrectly on credit file. Made contact with XXXX XXXX and spoken XXXX XXXX. 
Company informed me no debt was owed on account. According to FCRA Guidelines this is illegal. Requesting full investigation and listen to call XX/XX/2020 @ XXXX EST.
Consumer complaint received 2023-01-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (AL)

I was charged GAP and payments were incorrectly applied. I was repeatedly charged fees for late payments because they didn't apply a payment, fees for no insurance and insurance applied and added to my account because they claimed I had no insurance yet I provided proof multiple times. All these issues led to repossession and my credit ruined.
Consumer complaint received 2021-11-22
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: NCB Management Services Inc. (CA)

I the consumer have tried to dispute accounts that were resulting in IDENTITY THEFT the creditors, XXXX, XXXX, AND XXXX failed to block and remove the accounts according to 605b 15 usc 1681 c-2 PLEASE remove accounts from consumer report
Consumer complaint received 2020-03-01
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. (TX)

I noticed erroneous information reporting on XX/XX/2019. I have contacted the bureaus to dispute as well as requested verifiable information that I was the owner of this debt. I have proof of deletion from my XXXX  credit report. This information is not reporting properly across the 3 bureaus which is negatively impacting my score. Please assist with prompt deletion
Consumer complaint received 2024-04-02
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Upgrade, Inc. (VA)

The original lender was Upgrade and it was a personal loan. I have paid well XXXX XXXX back to the original lender. Now that original lender will only direct me to the company they sold the debt too. I understand that the payments were made after charge off but the payment was accepted and posted I have screenshots and bank statements. 

The collection company called me stating I had a payday loan which I told them I do not. I requested them to send mail me proof and they mailed the original loan information for Upgrade loan.