davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX This is completely inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX  This is not mine XXXX XXXX XXXXN XXXX I do not recognize this. 

XXXX XXXX XXXX  XXXX I do not recognize this. 

XXXX XXXX XXXX XXXX XXXX XXXX  This is not mine XXXX XXXX XXXX XXXX XXXX This Information is Incorrect XXXX XXXX XXXX  This is not mine XXXX XXXXXXXX XXXX XXXX L XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2020-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a checking account with Bank of America. On XX/XX/XXXX three fraudulent transaction were done on my account through XXXX. It was detected by bank and I got a call from an employee about the suspicious transactions. I informed the bank employee that these transactions were not done by me. 

Bank stopped the third transaction but first two transactions worth {$990.00} and {$990.00} went through. 

I immediately filed a Fraud claim with Bank but it was rejected giving the reason that bank had sent confirmation codes on my mobile ( which I had not seen as I was not accessing my phone on that Saturday morning ) Below is a summary of events : XX/XX/XXXX XXXX 1. Three transactions done by Unauthorized person through XXXX worth XXXX XXXX, XXXX, {$880.00} 2. Bank representative informed me of these transactions and I told to stop the transactions immediately 3. I filed a fraud claim within 30-40 mins and was told that first two transactions have gone through and last one was stopped. 

XX/XX/2020 Bank sent a letter stating that claim has been rejected. When I contacted customer care, I was told to bring evidence that my phone was hacked -- I contacted XXXX and was told that my device ( phone ) doesn't have any malware etc. 

I contacted my home internet provider and again there was no such evidence My mobile operator ( XXXX   XXXX XXXX mentioned that they cant provide me any information on any suspicious activity on my mobile no. 

My argument is that I dont know the entity/perdson to whom money was transferred and if it was done with my consent i would not have stopped the third transaction, which was again towards the same entity/person
Consumer complaint received 2021-11-12
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: EQUIFAX, INC. (TX)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX & XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ;
Consumer complaint received 2022-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

I have Comenity Bank set up in my Bill Pay account and make a recurring {$750.00} payment monthly. Comenity has lost 4 of the last 6 payments ( XXXX, XXXX, XXXX, and XXXX ) I have made and failed to apply the funds to my account. I have followed their dispute process and even had a 3 way conference call with my bank. Comenity stated they had done a system conversion and were having issues with a large number of payments but would resolve the issue within 90 days. At 90 days they asked us to refile the dispute with more information, but they already had everything they needed from the bank from the first call. They did ask us to use a different address and updated account number and we made the changes requested. They then posted 2 payments before losing the XXXX and XXXX payments. They charged us late fees on both and we have had to file 2 additional disputes.
Consumer complaint received 2020-03-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE (TN)

I have a mortgage with Primary Residential Mortgage Company , the company loss my payment this month and has call me six- seven time over the last three week, I told the over and over I send the payment spoke to my bank they said it was sent ( I pay through bill pay on my banking page ), the call try to say the were concern about the tornado in XXXX XXXX but they seem more concern were the payment was, also brought up that may payment was late I said it been taken out of my account. I told my bank said they have it.. I can understand if it was late more then 30 day but it just seem a little harassing. I have had my hour cut at work and with everything are going on in the world right now that this is their priority. thanks
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

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 : US DEPARTMENT OF EDU XXXX XXXX, XXXX XXXX XXXX XXXX/XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX, XXXX XXXX   XXXX XXXX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 : US DEPARTMENT OF EDU XXXX XXXX, XXXX  XXXX XXXX XXXX/XXXX XXXX
Consumer complaint received 2020-03-30
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. (MO)

The following authorized user accounts I'm demanding to be removed, i have no knowledge of these accounts. 

1. XXXX XXXX XXXX 2. XXXX XXXX USA 3. XXXX XXXX XXXX  USA
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

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

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX, XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 : US DEPARTMENT OF EDU XXXX XXXX, XXXX XXXX XXXX XXXX/XXXX XXXX
Consumer complaint received 2020-03-19
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Weltman, Weinberg & Reis Co., L.P.A. (CA)

I am filing this complaint after repeatedly requesting deletion of this debt from the three bureaus. Both XXXX  and XXXX have made the deletion. XXXX has not. This debt is part of an education scam that has been widely reported in the media. 

As you can see from what I will attach, this unvalidated debt has been handed off to a number of debt buyers. I wrote directly to XXXX XXXX at XXXX, the originator, last year and got no response other than being handed off to the debt buyer, Weltman, Weinberg & Reis. 

Below is the substance of what I asserted to XXXX XXXX at XXXX XXXX XXXX Dear XXXX : I appreciate your letter of XX/XX/2018. I have reviewed it with my client, Ms. XXXX, who countersigns this letter below. 

Ms. XXXX indicated two things to me ; 1 ) She  never went to XXXX and 2 ) The signatures on the paperwork so stating are forgeries. 

Her classes were in Arizona and XXXX XXXX University XXXX College had nothing to do with XXXX XXXX XXXX. Can you produce a document from the XXXX  system documenting her attendance in their system? 

This loan is in no way validated as every detail is either incorrect or forged. Until you can provide Ms. XXXX with the actual origination documents validating this loan, you must refrain from reporting to the credit bureaus. I am advising Ms. XXXX to retain a consumer rights attorney. It will be up to her attorney consider to criminal charges. 

My reading of the activities of Weltman, et. al.  would indicate the they have abused debtors in the past by failing to properly review : available data and documentation, the history of clients portfolios and types of accounts, which consumers were represented by attorneys, any asset reviews that had occurred, and bankruptcy information ; reviewing clients policies and procedures ; evaluating clients trustworthiness and legal compliance ; obtaining warranties as to the validity of the debts to be collected ; sampling documentation and terms of accounts ( including reviewing statutes of limitation and determining when arbitration is required ) ; and creating data scrubbing procedures and criteria to identify consumers who should not receive collection letters. '' Please, this fraudulent reporting is doing damage to me and my business. I request that whatever enforcement tools that are available be used to immediately remove this report from XXXX.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I just recently looked at my credit report on XX/XX/2024. I saw some hard inquiries that did not have permissible purpose. I sent a letter to Experian on XX/XX/2024 and asked them to investigate this but they still haven't fixed this problem. Can you investigate this matter. I also attached evidence According to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer
Consumer complaint received 2021-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION (TX)

The following information is incorrect and not associated with my name or social sec # Incorrect : XXXX XXXX XXXX XXXX XXXX - NOT LISTED ON AUTH FORM Correct : XXXX XXXX XXXX Zip- XXXX - IS LISTED ON AUTH FORM Incorrect Criminal Background : SELF-REPORTED CONVICTION XXXX  XXXX  Correct Criminal Background : NO CRIMINAL CONVICTIONS I never reported a conviction- First Advantage Placed a comment in my report that was furnished to XXXX which resulted in my not getting 2 different jobs. I contacted First Advantage - XXXX & XXXX XXXX to report several inaccuracies and each one told me there is nothing they can do, the report was already completed and can not be changed or updated regardless if the info contained is incorrect. 

Neither has provided me an option to correct the inaccuracies and neither is willing to investigate. Since XX/XX/XXXX I have been contacted by XXXX 5 times and have accepted 2 job offers, both which were rescinded for failing the background check, since the report contains a " XXXX XXXX ''. 

First Advantage has stated their criminal check came back CLEAN but since I self reported pending charges they have the obligation to place that on my report as a CONVICTION, regardless if they can verify that or not. Which they stated it was verified that I have no criminal convictions. But, someone at First Advantage or XXXX placed a comment on my report that states " SELF REPORTED CONVICTION '' and that is incorrect. 

I Have called several times since XX/XX/17 and most recently XX/XX/17 and both keep passing the blame and transwet the call back between one another. 

The background report asked me the following shown below. The report even has a note state the type of information that should be placed on the final report which is contradictory and the questions asked are confusing to a consumer. I am told not to report anything but a conviction, but then ask if I have pending charges and then goes on to state if I dont report something I wont get the job. 

I DO NOT have any criminal convictions and now I cant get a job because of this. 


Q & A from consent form : HAVE YOU EVER BEEN CONVICTED OF A CRIME : NO ANY CHARGES PENDING AGAINST YOU IN ANY COURT : YES TYPE : XXXX  YOU DO NOT HAVE TO IDENTIFY ANY RECORD OF ANY ADULT ARREST. 
ASSOCIATE BACKGROUND SCREENING SYSTEM INSTRUCTIONS : for ALL states do not include a record or any adult arrest ... ..sealed or expunged records. 
IF YOU DID NOT PROVIDE INFORMATION OF PENDING CHARGES EXPLAIN WHY :
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My credit score was unjustly affected. My credit score was corrected at one point by XXXX everything has been corrected with the XXXX and an investigation was done to show this information was incorrect. It had been resolved at one point but it has again came up on my credit report taking a negative affect. XXXX has resoled on there side and states they are unsure why the credit bureaus keep adding to the report.
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MD)

On XX/XX/2020, I applied for a refinance loan with my same current mortgage company, XXXX XXXX, simply to get a better interest rate and to also get rid of having to pay PMI insurance fee. 

Prior to applying to the refinance loan my credit score was listed at about 634 through both XXXX XXXX and also XXXX XXXX  which is available to me through XXXX XXXX credit card. 

After the " hard inquiry '' credit check was done, I received an update that my credit score had changed. At this time, I was shocked to see that my score dropped a whopping 63 points or so to a score of XXXX. 

I'm filing the complaint because this has got to be considered an excessive drop and I can not believe that there are no standards as to how much the reporting agency can drop your score for a credit inquiry. I am especially shocked because this is a refinance of the same loan amount and for a shorter term limit. It is crazy to me that these reporting agencies are NOT held more accountable -- -- please advise. 

Thankyou, XXXX
Consumer complaint received 2020-03-19
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. (MD)

My credit score was unjustly affected. My credit score was corrected at one point by XXXX everything has been corrected with the XXXX and an investigation was done to show this information was incorrect. It had been resolved at one point but it has again came up on my credit report taking a negative affect. XXXX has resoled on there side and states they are unsure why the credit bureaus keep adding to the report.
Consumer complaint received 2021-06-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (NM)

My mortgage is on forebearance. As I am nearing the end of the forebearance period my servicer is asking for a lump sum payment. The servicer in a letter to me offered several options. None of the options included the FHA COVID-19 National Emergency Standalone Partial Claim. 

I want to know why I wasn't offered this option despite rules from the pertinent government agencies stating that the missed payments could be deffered to the end of the loan.