davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-20
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including many inquiries that I was not able to list on this application. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$270.00} XXXX  XXXX {$270.00} XXXX XXXX {$1400.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$7200.00} XXXX/XXXX   XXXX {$640.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX {$860.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX  XXXX {$0.00}
Consumer complaint received 2020-03-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC. (NY)

I CONTACTED IQ DATA TO SETTLE DEBT.I PAID EXPECTED AMOUNT. CREDIT CARD WAS OVERCHARGED. I REPORTED TO THE BANK AND TO IQ DATA. I WAS INFORMED THAT THE SETTLEMENT AMOUNT IS HIGHER, THAT I CAN EITHER PAY WHAT THEY WANT OR THEY WILL JUST REMOVE THE AMOUNT I PAID FROM THE TOTAL DEBT AND NOT ACCEPT THE SETTLEMENT AGREEMENT. THERE WAS NO WAY TO DISCUSS WITHOUT BEING YELLED AT. THE MANAGER THREATENED TO CANCEL PAYMENT, CANCEL SETTLEMENT AND RUIN MY CREDIT SCORE. 
I NOTICED THAT MY OUTSTANDING DEBT WAS REDUCED BUT NOT CLEARED. THE STATEMENT I RECEIVED UPON PAYMENT INDICATES SETTLEMENT. 
I NEED HELP WITH CORRECTING MY CREDIT SCORE AFTER PAYING SETTLED AMOUNT AS THE ATTACHED PAPERWORK CONFIRMS.
Consumer complaint received 2020-03-20
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. (AR)

I'm soon to be in the market to purchase a home. I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report.
Consumer complaint received 2020-03-20
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. (AR)

I'm soon to be in the market to purchase a home. I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report.
Consumer complaint received 2020-03-20
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (TX)

The Wire transfer experience has been terrible with chase bank. I have made two attempts to wire money through chase to a study abroad housing for my son in XXXX. The first XXXX was XX/XX/2020, the money was debited from my account for the transfer then was credited back after 4 weeks without notice. During that time, there were numerous attempts to locate the money with the  recipient. I finally found out that the wire transfer team tried to reach out to me for some additional information only via a chase messaging center. No attempts were made to contact me by phone or email. I called Chase and complained about the process being very unclear and as a customer how I am supposed to know about a chase website messaging center without being instructed. This whole experience was very frustrating and time consuming The second attempt to wire the money was made on XXXX XXXX. This time I was aware of their messaging methods and actually received a message on XX/XX/XXXX asking for the same additional information. I did reply the same day with the information. As of today, XX/XX/2020, the money still hasn't been wired to the other end, the recipient is unable to locate it, and I haven't received any messages from chase ever since about delays or missing information in relation to the transfer. So basically my money is somewhere missing. After numerous unsuccessful attempts to reach out to the wire transfer team via phone they put a message to contact them via chase messaging center. This has been unsuccessful as well. They promised to reply back from 24 to 72 hours but this wasn't the case. Not only I have tried to reach out via the messaging center but also through other online means such as request to recall wire, All these request seems to go to a black hole.
Consumer complaint received 2023-12-02
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. (AZ)

SINCE XXXX I HAVE BEEN FIGHTING AGAINST ID THEFT. THERE HAVE BEEN MULTIPLE ACCOUNTS AND INQUIRES THAT HAVE DISPLAYED ON MY CREDIT. WHEN CONTACTING THE CREDIT BUREAUS AND REFRENCING 605B THE INQUIRES STILL REPORT.
Consumer complaint received 2020-03-31
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Performant Financial Corporation (OH)

Received a letter from Performant Recovery Inc, informing me there were collecting on a delinquent debt for the State of XXXX Department of Revenue. My claim number XXXX. The letter is dated XX/XX/XXXX. 

The letter claims I owe income tax to the state of XXXX in XX/XX/XXXX for the amount of {$1200.00}. I was XXXX XXXX military from XX/XX/XXXX-XX/XX/XXXX. I was stationed in XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. I have ALWAYS CLAIMED XXXX AS MY HOME RESIDENCE in all my tax forms. According to XXXX  's own laws " military personnel whose domicile ( home of record ) is not XXXX  are not required to file a XXXX   income tax return on wages earned from military ''. The military was my only source of income. I never had license or vehicle registered in XXXX  either. 

I have never received any calls, emails, or letters from the XXXX  Department of Revenue, even if i did owe them money they would have to notify me first that they were turning over my " debt '' to a collection agency. 

This all comes to conveniently as the Federal government is set to distribute XXXX dollars to everyone due to the covid-19 pandemic. I owe around XXXX dollars from 4 years ago in a state I never claimed residency in? Obviously a scam. 

Performant contacts XXXX Performant Recovery Inc XXXX. XXXX XXXX XXXX, CA XXXX Tel XXXX The letter threatened to suspended many licenses I have including drivers, hunting, and professional licenses.
Consumer complaint received 2024-04-10
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

In XXXX of XXXX  the landlord posted an immediate evacuation notice with bright flourescent green, bright red card stock paper on the door because of a roach infestation inside of the apartment unit. The immediate evacuation was for extermination. There was no housing options given, no notice, or alternative housing at the property by the landlord and the evacuation also required that the belongings and personal items inside the dwelling be covered, packaged, packed, covered with plastic, removed, etc. The demand was enforced by both the property XXXX and the maintenance staff with notices, knocking, entrance into the unit and verbal interactions. There were then several notices after the entrance to the unit where the exterminators from a pesticide company entered the unit and continued to apply pesticides inside the unit which caused illness for housepets, humans, and the dwelling was no longer habitable. The infestations of roaches caused damages to the kitchen appliances and stopped the coils from connecting in the back of the refridgerator where a large number of roaches had embedded under the coil after the the first applications of the pesticide were done, and there was damage to all food from both the roaches and the pesticide inside the unit. The harmfulness of the insecticide was so bad that it continued to cause health conditions well after the required evacuation and removals of the units belongings until an evacuation for the reason of safety. The evacuations were in XXXX of XXXX. The landlord is asking for more rent than is owed. The landlord is also stalking personally the location of the next landlord and they are not just using the mailing address for contacting regarding a collection or options for payment. The landlords are stalking and abusing for illegal collections and abuse. The abuse is illegal and there is physical harm, emotional harm, and abuse to children because of the things that they have been saying after the stalking has occurred.
Consumer complaint received 2020-03-31
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: SUCCESS MORTGAGE PARTNERS, INC (FL)

On XX/XX/2020 I started the pre approval process on a Mortgage loan with a company called Success Mortgage Partners Inc. based in XXXX, Florida. They came recommended by the Realty agent I've been working with. 
On XX/XX/2020 I was pre-approved for a Mortgage loan up to {$270000.00} and so I then proceeded to find a property that suited the needs of me and my family. Me and my wife are currently XXXX  our XXXX  child XXXX  in XXXX and we have XXXX XXXX year old boy as well. 
Naturally, we needed more space and thus had the need to acquire a property ( We currently rent ). We eventually found the right house for us under our budget at {$240000.00} and put in an offer which was countered and we accepted. After that, I continued the loan process with " Success Mortgage Partners '' providing documents, Signing the contract at a specific interest rate Paying the Escrow deposit to the title company, Having the house inspected etc. Everything seemed to be going well. When we got to the final stage of said process which is Underwriting, there were certain conditions that needed to be met which meant submitting additional documents which we were glad to provide. On XX/XX/XXXX, we were notified by phone call and email that all conditions were met and we were clear to close on the property. Me and my couldn't have been more excited being first time home owners and all. Our closing date had been scheduled ultimately for XX/XX/XXXX but we were trying for an early closing taking into consideration all that has been going on in the world so we were notified on the XXXX that we would be closing on Tuesday XX/XX/2020. Today XX/XX/XXXX, I received a phone call early morning from our lender at Success Mortgage that we were not going to be able to close and that the company had decided to pull the loan with no clear reason other than that the market had changed over the weekend and they were not able to sustain the loan. I find this completely unethical, unprofessional and unjust from their part. Even if I as a buyer were the one to pull out of the deal, there would've been repercussions and penalties I'm sure so I'm hoping there are some as well in place for them in order to protect people like me as a consumer. I am left in a complete state of uncertainty with my XXXX year old, and XXXX wife and possibly no place to live in a few weeks since i gave my landlord my final noticed the day I got my closing notice. 
Is there anything that can be done regarding this injustice?
Consumer complaint received 2020-03-31
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I called capital one customer service on Friday XX/XX/2020 to pay off my balance. I requested for my total balance payoff due and i was told XXXX. It was the same balance from my bill statement. I borrowed money from wellsfargo bank and called customer service to pay it off. I received another statement saying that I owe another XXXX dollars. My hours have been cut at my jobs because of daughter XXXX. Capital one is not willing to help. I believe this is a ripp off to charge customer after balance is paid off. XXXX and XXXX  XXXX XXXX does not charge extra money after balance is paid. I did not get any extra bills from XXXX XXXX XXXX and wellsfargo after making my payment.
Consumer complaint received 2020-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

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 Experian XXXX XXXX XXXX XXXXXXXX, 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 XXXXXXXX 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
Consumer complaint received 2020-03-20
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. (NJ)

TransUnion LLC 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 XXXXXXXX, 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 : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX   XXXX XXXXXXXX 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
Consumer complaint received 2020-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

HSBC has made it so notoriously hard to complete identity verification when applying for its credit cards that it has led to scammers posing at HSBC and then extracting very sensitive information from clients supposedly on HSBC 's behalf. I was a victim of one of these scams and wholly blame HSBC for their ridiculous application process, which you can read about across the internet. I applied for what I thought was a HSBC credit card. A representative got in touch to tell me that they needed a copy of my driver 's licenses and a form so the Social Security Administration could verify my identity. Knowing that HSBC is so rigid in their identity verification, I gave the scammer this information. When it wasn't processed, I was told the SSA form was incorrect as I had missed a box. I then resent the form with my personal information again. Again I waited, this time I was told the application is " processing ''. Nearly a week later it was still " processing '' and I realized I had been scammed. It was devastating, I spoke to a supervisor supposedly with HSBC who told me the form was again incomplete ( it wasn't ). I told her I will be working with the local authorities to press charges. She had me call phone number XXXX, I believe the scam is from XXXX. I ENCOURAGE EVERYONE NOT TO APPLY FOR ANY HSBC PRODUCTS BECAUSE THEIR OVERLY ZEALOUS IDENTITY VERIFICATION HAS SEEMINGLY INVITED SCAM ARTISTS AND YOU MAY BE IN DANGER. ONLY A COMPLETELY INCOMPETENT COMPANY WOULD HAVE THIS MANY MISTAKES ON A SIMPLY IDENTITY VERIFICATION, SHOWING IT'S A SCAM. I will be working with police to help find who did this.
Consumer complaint received 2020-03-20
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. (AR)

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and two other other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

I disputed this XXXX  XXXX  with the credit bureau and they are reporting inaccurate information on my credit report. Attached to this complaint I have circled a couple of the errors that I noticed. I dont understand how the furnisher can report different information about the same account. The credit bureau and the furnisher failed to do a reasonable investigation. Please be aware that the account doesnt have the same information across the board which are factual inaccuracies. The account in question is reporting inaccurately. I have been denied credit cant get a good deal on a house because of this I have been stressed and had many XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-31
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 (LA)

I contacted XXXX, XXXX, and XXXX  in XX/XX/XXXX via certified mail and initiated a dispute because I am a victim of identity theft. I received my disputes back and the accounts were block from my credit files. An Account listed as WF/Preferred Cust Acct in the amount of {$6200.00} was placed back onto my credit files showing 47 late payments/Charge Off with 9 on times payments. I followed up with the bureaus about it and wanted to know why the account was replaced back onto my credit reports. XXXX  stated the company provided them with proof, so I asked them to provide me with any banking accounts or debit cards that made payments to WELLS FARGO. I never received anything from the bureaus or Wells Fargo. Today XXXX  alerted me that Wells Fargo added another late payment on today XX/XX/XXXX to the fraudulent account listed onto my credit reports. I have proof that the account was deleted/blocked from all three credit bureaus. I was never notified by any of the credit bureaus that the account was going to be reinstated on my credit reports or why.