davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-29
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. (TX)

XXXX XXXX should not be reporting to XXXX ; XXXX  and Transunion a balance due in the amount to of {$4300.00} on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have a daughter with special needs and I was forced to move to another home so I could provide her with her own bedroom. The complex I was staying at did not have any 2 bedroom apartments available. I provided adequate notice to the apartment complex that I was needing to vacate along with a letter from my daughters physician stating she needed her own separate space. ( I have attached a copy of the physicians letter dated XXXX for reference. ) The apartment complex manager assured me that I would be released from my lease and that no outstanding balance was due. I was also assured that they would not report this account to collections. They did not honor their word. I did not know there was an outstanding balance reporting until I obtained a recent copy of my credit report. This false reporting of an account with a balance is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report.
Consumer complaint received 2020-12-29
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: CAVALRY INVESTMENTS, LLC (TN)

OnXX/XX/2020, CAVALRY PORTFOLIO SERVIC add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAVALRY PORTFOLIO SERVIC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2022-10-27
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: Chime Financial Inc (OR)

On XX/XX/XXXX, I noticed two charges to my Chime credit card from a XXXX XXXX XXXX in California. I live in XXXX Oregon, and no one has access to my card but me. I immediately dispute the charges, cancel my car, and file a police report. 

On XX/XX/XXXX chime denies my claim, and refuses to refund my stolen money. I call their call center, and they say there is nothing they can do.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

dear XXXX, This letter is a formal request to correct inaccurate information contained in my credit file maintained by your organization. The item listed below is completely inaccurate, incorrect, misleading and is a very serious error in reporting. 

Line Item : account # XXXX Additionally, I have enclosed a copy of the credit report your organization provided to me on XX/XX/2022 and circled the item described above. 

Under the federal Fair Credit Reporting Act, credit-reporting agencies are required to maintain and report only 100 % accurate credit information and to investigate any claims of inaccuracy within 30 days of receiving such a claim. I respectfully request you investigate my claim. 
If after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item and supply a corrected credit profile to me. 
Additionally, within 15 days of the completion of your re-investigation, please forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. 
Sincerely,
Consumer complaint received 2020-12-28
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: WELLS FARGO & COMPANY (NV)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, WFB XXXX  XXXX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-12-28
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. (TX)

I requested a dispute with the 3 credit reporting companies, XXXX, XXXX, and transunion regarding a previous company I leased with in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During the entire time I leased with them I never missed a payment and was never late. However on my move out date we experienced some severe inclement weather which delayed my move out date. I notified my leasing office and in good faith they allowed me to extend the window into which I could move out and turn in my keys. However 10 months later I start receiving collection notices that I've been referred to a collection agency for not paying rent. It is my understanding that they are now trying to charge me for staying the two additional days but that was not our agreement. We entered into a good faith agreement and they can't treat me like this.
Consumer complaint received 2021-03-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: TITLE FINANCIAL CORPORATION (ID)

I am buying a for sale by owner and we have an escrow company/account. The escrow company, XXXX XXXX in XXXX, just informed me that they put the wrong percentage in the loan back in XXXX of 2019 when I started the purchase. My loan statement was reflecting the amount paid off based on the wrong percentage amount, and now they want to add back the amount/difference. 

I've emailed the escrow company that it is their error and they should have insurance to cover their responsibility for their mistake ( about XXXX ), but they said it's just human error. It was almost 1 1/2 years ago. Are they responsible? I don't know. 

Thank you.
Consumer complaint received 2020-12-27
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. (NH)

I have no Knowledge of this account ... .Never have done business with XXXX XXXX XXXX I have never received, any contract with this collection agency at all Derogatory marks View all accounts COLLECTIONS XXXX XXXX Opened XX/XX/2020 {$1500.00} Original creditor : XXXX XXXX  XXXX  Overview You have 100 % left to pay on this collection. 
Balance {$1500.00} Highest Balance {$1500.00} Opened XX/XX/2020 ( 1 mo ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX
Consumer complaint received 2021-03-15
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (SC)

XX/XX/2021 a written request was mailed to XXXX  to close my XXXX account and transfer all funds to another bank. 
XX/XX/2021 is when XXXX created and sent a letter to me indicating that the account was not able to be closed and transferred due to outstanding funds in a brokerage account. 
XX/XX/2021 is when a phone call was made to XXXX  requesting that they use the already submitted transfer form. I was told that was not possible and that a new form needed to be submitted to XXXX. 
XX/XX/2021 is when an email containing the required transfer form was sent to the designated email address above. 
XX/XX/2021 I received a system generated email from XXXX  that they had received my request and form. 
XX/XX/2021 is when all brokerage funds we present in the savings account for closure and transfer. 
XX/XX/2021 I sent another email to XXXX requesting an update since I have heard nothing from them to date. 
XX/XX/2021 I placed a phone call to XXXX XXXX and held for 15 minutes and finally hung up in frustration. I have $ XXXX sitting with them and am missing out on a rate of return in the investment opportunities that XXXX  XXXX XXXX offers.I am now being told that it will be 4 - 6 weeks for the transfer to XXXX  XXXX XXXX to take place. This is unacceptable.
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2020-12-28
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. (FL)

To whom it may concern : XXXX  is incorrectly reporting fraudulent inquiries that resulted from identity theft as a factual record of file access ( see attached credit report ). This is a Violation of Section 605 of the Fair Credit Reporting Act ( FCRA ). The aforementioned fraudulent inquiries Fail to meet the criteria of a factual record of file access. The fraudulent inquiries were the result of identity theft and do not serve a permissible purpose ( see attached police report ). 
Based on the listed inaccuracies, XXXX Failed to verify the information contained in this report. This is a Violation of Section 605 of the Fair Credit Reporting Act ( FCRA ).

Provisions of Sections 606 & 609 of the FCRA require XXXX to provide the following information to any consumer : How did XXXX verify the inquiries? 
Name the source of information. 
Provide a copy of the executed application your source sent to verify that the inquiry was authorized. 
Provide Permissible Purpose for the Fraudulent inquiries. 
Provide a copy of the wet signature used that verifies the inquiries. 
Provide proof of a proper investigation. 
XXXX failed to adequately investigate Fraudulent inquiries listed as a factual record of file access. All the Fraudulent Inquiries Must Be Deleted. As per the rights afforded to me by the Fair Credit Reporting Act ( FCRA ). I am requesting that the information being reported in my XXXX Credit report be Corrected. 

Best regards, XXXX XXXX XXXX
Consumer complaint received 2020-12-28
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. (NJ)

I have been working on fixing errors in my credit report from XX/XX/2020. I have been having a really had time with the response times from the three major credit bureaus XXXX, XXXX  and Experian. I have asked for validation for several accounts that are reporting with errors on my report. The accounts are XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX XXXX. I have sent a total of 4 letters to each bureau dating XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I was under the impression that the bureaus have 30 days to respond it has been 4 months with no response from the bureaus. I would like to resolve this matter as soon as possible.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2020-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (MS)

XX/XX/2020 Discover card was instructed by the account holder to remove me as an authorized user prior to them closing the account. Discover card for unknown reasons is failing to remove me as an authorized user. Discover has caused me to receive a drastic deduction in points and has caused me to be denied credit. Discover seems to be refusing to remove inaccurate information, they have not responded to the dispute.
Consumer complaint received 2021-03-15
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Specialized Loan Servicing Holdings LLC (CA)

Company informed me, at the end of a 3 month forbearance, that my " application submitted '' was denied for additional relief. It informed me my only option was short sale or deed in lieu. I never applied for a second round of relief ( but was planning to at end of the initial plan. The letter falsely claims the " application I submitted '' was denied, but allows for me to appeal for a second independent review, even though I was never given the first chance to submit an application, to include hardship documentation. That right is now taken away, and only option is for an independent second review? Says we were denied as they were not able to qualify hardship, and that our property was not in a federally declared disaster zone? In the application process, there is an opportunity to submit hardship documentation, but since we did not yet apply ( they have since stated that this was due to an internal review, not any application..and also stated that it was not ever presented to us in any prior documentation that any such review would occur on our behalf automatically and without any representation or forewarning, I just received it in the mail with a less than 14 day window to resolve. I spoke today with employee XXXX, id # XXXX with Specialized Loan Servicing ) During the forbearance plan, we were able to make past due payments to get the account caught up, and now at the end of the forbearance we wanted to apply to have that new amount ( 3 months forbearance ) either stretched out over a period of time or at the end of the loan, but we are being denied that option. Between XXXX and XX/XX/11 we paid amounts equal to 10 monthly payments to fix our past debt, and now they are falsely claiming our application has been denied? We own a small business that has been forced closed for long periods of time over the past 11 months ... I am unsure what they need to prove hardship, bujt to only offer us short sale or deed in lieu within 14 days or face a foreclosure process in time of a national emergency?? They are crooks that should not be allowed to conduct financial business in our Country.
Consumer complaint received 2021-06-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY (CA)

First of all, there is no statue of limitations when it come to consumer fraud. In the contract you can clearly see that I was charged a finance charge of XXXX according to 15 usc 1605 states that the finance charge is the sum of ALL charges. My consumer fights was violated. Secondly insurance is supposed to be included in the finance charge. my consumer right was violated. Third, when a finance charge is involved, There is no down payment ( no cash transaction ) in a consumer credit transaction, I paid XXXX.my consumer right was violated. Last of all, as far as debt validation and federal law I am a natural person and I am not obligated to any alleged debt according to 18 usc 8. Dispite the federal law, wells Fargo continued to collect on this debt and repossessed my vehicle and dramatically damaged my credit score which had a huge impact on my life. Wells Fargo is Criminally Liable 15 usc 1606 and I will need full remedy for violating my consumer rights pursuant to 1692k.
Consumer complaint received 2020-12-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I bought 4 tickets from XXXX XXXX on XX/XX/2020 for 2 people. Two for {$100.00} and 2 for {$120.00}. I had to cancel because of Covid19. This was done well before the departure date of XXXX XXXX.The airline would not refund but said I could use the tickets at a later date. I eventually disputed this through my credit card co. Bank of America on XXXX XXXX. I was refunded {$100.00}. I recently called them twice and was told they are still working on it and needed more time. This was 6 mo.s after the initial notification. I believe they have a limit on the time allotted to settle a dispute and I also believe that cancellation of tickets because of the pandemic is allowed. the case numbers at Bank of Am. areXXXX, XXXX XXXX XXXX. 
The ticket no.s at XXXX, XXXX, XXXX, XXXX the record locator : XXXX I believe that XXXX needs to refund my credit card ( ending in XXXX ) for the remaining 3 tickets and BOA needs to enforce that. 
XXXX XXXX ( mobile XXXX XXXX XXXX )
Consumer complaint received 2021-03-15
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. (FL)

Please help me and resolve my problem. I was very sad when I saw unknown items in my credit report. These accounts are not mine. I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible. Please investigate them also because I would like to know the origins of those accounts.
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

A few weeks ago, I called Equifax because I was getting the attached error message when logging into my account to obtain and dispute my credit report and the representative I talked to could not help me. He said Equifax has duplicate accounts for me and this is causing me to not be able to access my account. Equifax needs to fix this on their end. Me calling in is not going to help. I have called several times and nothing has been resolving towards me accessing my credit report. 

When I login, I get the attached message, the message saying that my account is locked out and to call a 1 800 number. I called that number, the representative reset the password, and I am still not able to access my account. I have tried for several weeks, logging in for several weeks to access my account and I keep getting the attached error message.
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (NM)

XXXX XXXX is reporting multiple account numbers as follows INNOVIS # XXXX, XXXX # XXXX ..., XXXX must delete this account do to erroneous, incomplete and unverified account number information. Attach to this dispute I am providing a letter from the actual furnisher of information with a different account number also an attach credit report from innovis also with a different account number both to prove my case.
Consumer complaint received 2020-12-28
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. (TX)

XX/XX/2020 I sent out disputes to the credit bureaus. To my knowledge the credit bureaus have 30 days to complete an investigation. In my case, they didn't. So I followed up with a no response letter and still have not seen a change in my credit reports or was notified that an investigation had even been started. According to 611 ( a ) if the credit bureaus do not respond in 30 days the credit bureaus are supposed to delete the accounts in my dispute. Well, they didn't and they have been purposely ignoring my disputes. I am really considering filing a litigation because this is becoming stressful for me. The credit bureaus are not following the law and this is not fair to me. 
Please delete the following accounts immediately : Fedloan XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.