davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-08
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. (CT)

When I investigated my credit report, I realized that some of the information was erroneous. Experian is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX  XXXX XXXX Balance : {$260.00} XXXX  XXXX XXXX Balance : {$290.00}
Consumer complaint received 2023-02-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service (PA)

This complaint is in regards to the Army and Air Force Exchange Service. Their preying practices on individuals who the debt does not solely belong is immensely negligent, and just because they are considered a " government agency '' does not intimidate me nor will it prevent me from exploring all avenues to correct their grossly negligent actions. This credit card is only available for members associated with the armed forces ( therefore I was only able obtain this card with my now ex husband who is the active duty service member ). With that being said a card was opened with this credit card company with my now ex husband on the card as well. Our divorce was finalized in XXXX of XXXX with many court orders with the a specific mention to the Military Star Card. My ex husband is responsible for {$2900.00} per a court order signed by a California judge. However, the Army and Air Force Exchange Service made no attempt to contact my ex husband who is listed or pay attention to the court order which I did email to them on XX/XX/XXXX. I have the email correspondence that I would be glad to share. I also have all of my court documents that I will be glad to provide as well. The Army and Air Force Exchange Service has the capability to garnish the service members pay, but they did not do that and refused to acknowledge a court order. This is a service member who has several security clearances ( does not pay his court ordered child and spousal support either so how he can continue to carry these clearances is beyond me. I hope a bench warrant is issued in the future for his massive arrears ) and brings home over {$6000.00} a month, but instead they choose to prey on me and the debt is not solely mine. It seems as if the military likes to enable financial negligence in all avenues and this also includes protecting their service members with security clearances who do not even provide the court ordered support for their own two children. I intend to explore all avenues including contacting the attorney general, small claims, and if needed trying for the Supreme Court. This " government agency '' needs to to be held accountable and do the right thing by enforcing the proper action on court orders.
Consumer complaint received 2019-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY ()

We are in XXXX for an extended period. Before I left the States I spoke with branch managers of the Wells Fargo Bank in XXXX to confirm that we could access our account online, When we first arrived in XXXX we were able to log on and access the account. We have a XXXX Wells Fargo account with more than {$10000.00} in checking and savings. 

Over the last two months we have been unable to access the account online. We have made several calls to Wells Fargo and they say they have a technical issue resolving this problem and the only way to rectify the issue is to fly back to the USA and visit a branch in person. We have family commitments here in XXXX for an extended period and can not fly back to the States. 

Additionally, we have made several calls to Wells Fargo and the answers keep changing as to why we can not get to our online account. Finally, we have no liens against our accounts and get regular deposits from the XXXX XXXX XXXX and XXXX XXXX so there are regular deposits.
Consumer complaint received 2019-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I was in the process of refinancing my mortgage when I had my credit report done and it was at that time that I noticed things on my credit that looked unfamiliar. I discovered that there are things on my credit that don't belong to me and I'd like them removed as quickly as possible. XXXX XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Months ago, I sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-06
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. (IL)

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

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was in the process of refinancing my mortgage when I had my credit report done and it was at that time that I noticed things on my credit that looked unfamiliar. I discovered that there are things on my credit that don't belong to me and I'd like them removed as quickly as possible. XXXX XXXX
Consumer complaint received 2024-01-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

I requested a refund of my Covid-era payments on XX/XX/XXXX. I received a small partial refund on XX/XX/XXXX, but I am still waiting on over 90 % of the balance owed. I called Mohela on XX/XX/XXXX. The representative initiated a request for further research and a request for escalation. I called again on XX/XX/XXXX. That representative confirmed that she sees the request for elevation and a request for further research on my account. She advised me to call back in 10 business days. I called back on XX/XX/XXXX. That representative had no update. I called again on XX/XX/XXXX. That representative told me that there HAD NOT been any prior escalation on my account, but that she would escalate it now. Somebody lied to me.
Consumer complaint received 2024-01-06
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. (LA)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 XXXX XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 2022-11-11
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)

There is a XXXX credit card # XXXX on my credit report that is not mine. I called to verify this account and although we have similar names, it not mine. The social, address, last full name and even the state in which this account was opened does not match any of my information. 

This particular account is affecting my ability to close on my new home this month.
Consumer complaint received 2023-02-23
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: NAVY FEDERAL CREDIT UNION (GA)

The below items do not belong to me. Please assist me in getting these items removed. I have sent in a police report to the XXXX and XXXX with regards to this account not being mine. Navy Federal Credit Union - XXXX : {$22000.00} ( XXXX XXXX XXXX ) The following items are reporting incorrect late payments on my credit reports. Please investigate this matter and remove the following accounts : I have noticed the day of activity does not match. I have tried resolving this issue with UPGRADE ( XXXX XXXX XXXX, XXXX ), XXXX XXXX ( XXXX XXXX XXXX, XXXX ), XXXX NAVY FEDERAL ( XXXX & XXXX ). I havent had any luck fixing this issue. I have asked them to please provide on many occasions, documents verifying that I own these accounts at question and they have not. Please investigate this matter and remove the following accounts. 

Are you familiar with something called 15 U.S.C. Sec. 1681 ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a XXXX XXXX and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Consumer complaint received 2023-02-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (TX)

I have been in contact with my loan servicer almost weekly since XX/XX/XXXX till now to try to get them to respond to a request for information on my account from the state homeowners assistance program ( TX HAF ). I applied for homeowners assistance on XX/XX/XXXX and since then the program administrator has made multiple attempts to get the requested data from Amerihome mortgage in order to complete processing my request for assistance. Texas homeowners assistance program has stated on multiple occassions when I have called them to get an update on my case that Amerihome has been unreponsive and has failed to provide the V-lookup record as requested. I have called Amerihome mortgage on multiple occassions and the customer service agents always give the response that Amerihome mortgage has sent the requested data, but the state HAF program does not show that any such action has been taken. The HAF program has gone to the extent of escalating the case to managers on their side to try to get a resolution, but the loan servicer has continued to withhold the requested information. Consequently, my case with Texas Homeowner Assistance was denied on was denied on XX/XX/XXXX due to " Loan Servicer Not Responding ''. 

After the denial of my case I sent a written request to Amerihome mortgage on XX/XX/XXXX asking for documentation and proof that they had provided the requested information to the state homeowners assistance program. As per their agents and website, Amerihome would provide a response to my request for this documentation within 10 days, but to date I am yet to receive a response. When I call their customer service department I am simply told that they will document my account, but they can not provide information on when I should expect a response to my request. Amerihome mortgage seems to be knowingly and willfully withholding the information requested from the state homeowners assistance program even though they claim to work with HAF. I have not received any response for a phone call or email from the HAF department at Amerihome mortgage and am at risk of having my appeal denied again due to the non-response from Amerihome mortgage. 

This situation is causing immense stress and financial hardship to me and I am at risk of losing my home due to the loan servicer 's negligence. Despite multiple attempts to contact the loan servicer, they have not responded to the TX HAF 's inquiries.

I urge the Consumer Protection Financial Services Bureau to investigate this matter and hold the loan servicer accountable for their actions. My home and financial stability are at stake, and it is unacceptable for the loan servicer to ignore the TX HAF 's inquiries.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

Experian XXXX XXXX XXXX XXXX, TX XXXX Dear sir, As a XXXX XXXX, who has the fraud alert in the United States, I have tried to contact with your company directly and through the Consumer Financial Protection Bureau. This time, I would like to ask one question regarding my credit report. I receive several emails in XXXX days, XX/XX/XXXX and XXXX of XXXX from XXXXexperianXXXX and XXXXexperianXXXX. Regarding the first one, XXXXexperianXXXX, I want to ask one question what account closed at consumers request on my all my XXXX XXXX XXXX, which was closed, and XXXX XXXX which was closed in XXXX. Regarding all of them, I never expressed my will to close these accounts, instead of that I remember to keep them open for the credit score. I request your company to give the explanation. Also, I would like to ask what ND is meant in your company credit report, which we could read in one of my XXXX  XXXX XXXX account. 

Along with them, I want to express the frustration and complaints to receive the credit cards offers from your company email, XXXXexperianXXXX continuously over these months. I express strongly to stop send me these commercial emails, which do not relate with the credit report, especially, now I have strong question and concern why I am on fraud alert in this country, the United States as XXXX XXXX XXXX I received the emails from this address which said 7 % credit usage credit card offer, as one example. 

Sincerely,
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. the company has also NO permission to report ANYTHING using my information pursuant to 15 USC 1681 4. 

XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$3400.00} XXXX  XXXX # XXXXXXXX XXXX {$8300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$3300.00}
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I had initiated a dispute in XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

There is an account with XXXX that should be removed. It has been be settled and I was told it would be removed however after several conversations and follow ups it's still reporting. This needs to be deleted ASAP. 

For the XXXX XXXX car loan I was NEVER late. I am providing documentation showing how there is so many discrepancies in the reporting. How can I be paid on time with XXXX and XXXX  of XXXX XXXX but late 30 days with XXXX?? How can I be late 30 days with XXXX and Experian in XXXX of XXXX but on time with XXXX? 
The payment status shows 30 days late yet XXXX shows its current. I need these late payments removed. 

For the XXXX XXXX account they have yet to provide documentation to me proving this is mine. This should not be reporting. This should not be on my report and should be removed immediately. They have yet to respond to any of my correspondences.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer Reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (DC)

The credit card number in question is XXXX with US Bank. 
I recently received notification that they overcharged me to the tune of several XXXX dollars and they have yet to return the money that they stole from me several years ago. 
I demand they return the monies owed per their own admission.
Consumer complaint received 2019-09-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2019, the collection company XXXX XXXX XXXX engaged in deceptive practices when the company called me with a spoofed caller ID under the name " XXXX XXXX. '' I answered the call as I am local to XXXX XXXX 's headquarters and had reason to believe that the call could have been an opportunity for employment.
Consumer complaint received 2023-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Remove fraud accounts off my credit file. XXXX, XXXX XXXX XXXX, and six closed accounts XXXX XXXX bank. XXXX XXXX bank, XXXX XXXX, XXXX XXXX XXXX Are Fraud accounts.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-26
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. (CA)

Was never late on my XXXX XXXX XXXX XXXX XXXX, the buyers bank was the issue and I shouldn't be shunned for it ; considering I received a letter from buyers bank explaining the situation ... Problem never fixed despite substantial proof on my side. 

XXXX XXXX XXXX needs to be addressed and verified and validated and no knowledge of whats going on there as you'll see in my letter ( s ) addressed to the bearus ; something needs to be scoped out before it reflect on my public report! 

I'm disputing multiple items and DEMAND to be TREATED FAIRLY under the law and per my rights as a consumer! 

I AM PROVIDING MY REAL-ID and do not want to be sent a letter describing they can't look at anything due to no Social Security Card ; that's provided to the DMV in order to receive the REAL-ID