davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-06
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. (MO)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XXXX. 

5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

6. XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft )
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo is reporting an higher and wrong loan mortgage balance to credit reporting agency. My current balance is {$83000.00}. It was {$84000.00} in XXXX. However Wells Fargo reports a balance of {$86000.00} to credit reporting agency. 

When I attempt to have them make a correction, they refuse and reply with the following lie. 
" We can confirm we reported your principal balance accurately, to the credit agencies. We can also verify in XX/XX/2020, there was a non-sufficient payment received, which given the timing of the reporting and when the payment reversal occurred, this would have impacted your reported principal balance. ''
Consumer complaint received 2023-03-20
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. (PA)

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 account # XXXX XXXX XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX, has violate15 Ud my rights. 

15 U.S.C 1681 SECTION 602 A. States I have rights to privacy.

15 U.S.C 1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-01-06
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: EQUIFAX, INC. (FL)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2024-03-21
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. (GA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section XXXX of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

For months Ive been disputing this account for months and Ive been ignored and my rights have been violated. This also failure to comply with 15 USC 1681i ( a ) ( 1 ) ( A ). This is a violation of 15 USC 1601 ( a ) - The informed use of credit results from an awareness of the cost thereof by consumers and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I have files complaint after complaint, dispute after dispute and there is still NO RESOLUTION! I filed a FTC report because I have no recollection of this account. I reached out to XXXX XXXX because your reps said thats the only way and you lied!
Consumer complaint received 2020-08-18
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. (MI)

There is a letter would like to submit the credit reporting department sent a letter stating there were only 2 late payments on account for 1 in XXXX XXXX and 1 in XXXX XXXX but credit report shows 4 late payments XXXX XXXX XXXX XX/XX/XXXX XXXX Have provided all 3 credit companies copies of this letter to request that the dates are fix but they seems to just say XXXX XXXX XXXX says report is correct even know they have told me number of times it is only 2 late payments and sent this letter stating so with dates.
Consumer complaint received 2021-01-06
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. (GA)

I Have been a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from Fraudulent Activity. I have contacted XXXX XXXX XXXX XXXX and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2024-02-09
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (CT)

XX/XX/year>. Is when things started getting worse using this card. I called in to have a purchase declined because the person turned to be a scam. So the card company insist to just cancel the card. And agreed to send another one. Which after XXXX waiting never came another card. They say because the changed card company name. To start over again I would need to continue pay fee even without a card. Although I always sent additional XXXX $ each payment before they changed card co name. So now I'm not understanding. So I give in and agreed to pay off my card and for get it. They refused to except closures. They suggest I send XXXX $ + each mos on XXXX XXXX. No time limit just submit XXXX $ + and all will be completed. I ask pls take off my credit scores XXXX XXXX late each mos its repeated. They say it's the credit company that's doing that to me. They have nothing to do with that. So I'm writing to you. If this is true. Will you pls stop hurting me like this. Are if it's a XXXX stake on yours files. Please correct it. I humbly apologize if I said r didn't say to cause this issue on myself. Please for give me and remove that as soon as possible. Sincerely thank you from bottom of my heart. XXXX XXXX XXXX. XXXX. My phone number XXXX
Consumer complaint received 2021-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Monterey Financial Services LLC (CA)

I have been through a really hard situation. It has affected all areas of my life ( emotional, familiar, financial life ruined, etc. ). MONTEREY COLLECTION has committed multiple violations of California Deceptive Practices Act, the CCRA, California Rosenthal Act, violation of California Consumer Call Protection Act, California Credit Reporting Agencies Act and Truth in Lending Act : THE COLLECTION IS A FRIVOLOUS DEBT, WHICH IS NOT ENFORCEABLE IN CALIFORNIA, SINCE THERE WAS NO STANDARDIZED TRUTH IN LENDING DISCLOSURES AND TERMS PROVIDED AS REQUIRED BY FEDERAL AND STATE LAW. 

- USING AUTOMATED DIALER. 
- MISREPORTING DATE OF LAST ACTIVITY. 
- RE-AGING ACCOUNT. 
- THE ORIGINAL CREDITOR IS NOT REGISTERED WITH CALIFORNIA SECRETARY OF STATE TO CONDUCT BUSINESS. 
- THIS TIMESHARE WAS SOLD TO ANOTHER PARTY AND THERE WAS NO DEBT TO BE INCURRED. 
- UNFAIR BUSINESS PRACTICES - NEGLIGENCE. 

I already tried to get listened. I sent them a letter via mail but I was ignored. All I am looking for with this complaint is to get a fair solution : To get the debt cancelled and the item removed from all 3 credit bureaus. Here is the account information : Monterey Collection Services, account XXXX XXXX, date opened : XX/XX/2018, original balance : {$7900.00}.
Consumer complaint received 2021-01-04
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: MicroBilt / PRBC (formerly CL Verify) (CA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, XXXX, MICROBILT CORPORATIO add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 
On XXXX. XXXX, XXXX, XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, XXXX, XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor.XXXXBut 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 2021-01-06
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. (FL)

Hi, I figured out the the listed items are completely inaccurate and incomplete and is a very serious error in reporting. Please delete this misleading information! I figured out in my credit report inquiries that I have never authorized. I know that sometimes companies without any authorization and permission pulling credit profile. Well, by this message I would like to let you know that I do not recognize these inquiries and I have never given any permission to any company to do something like this. So please remove all of them as I can not move on in my life when I have unknown information in my credit report.
Consumer complaint received 2021-01-06
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. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2020-08-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: JPMORGAN CHASE & CO. (CA)

This complaint is in regards to Chase 's debt collection and credit reporting practices. I had a personal credit card with Chase, on which I had not made a payment due to a long-standing ( and well documented and sent along to Chase ) issue receiving mail at my address. I then received multiple phone calls from a debt collector misrepresenting herself as a representative from " Chase Business Banking '' on multiple voicemails, despite calling me about a personal card. I checked my business accounts and found them to be in good standing. I also attempted on numerous occasions to contact this agent through the phone number she left for me, but she did not answer any of my phone calls, or return any of my voicemails at the times that I indicated I would be available. It is possible that some of these phone calls were made to me before XXXX XXXX, but I can not validate this without the Chase phone records. These phone calls directly led to my being unaware of this debt, and in fact, as soon as I was made aware, the balance was paid off in full. This misrepresentation of facts directly led to interest, late fees, and most importantly, negative credit bureau reporting actions to be taken against me. This misrepresentation is an Unfair and Deceptive practice, which has clearly led to negative consequence for me. I have made numerous attempts to have Chase representatives look into this, both by phone and email over the past few months. On every occasion, Chase has steadfastly refused to answer any questions about these phone calls which directly led to my late status, and at least 2 Executive Office representatives admitted into not investigating despite my consistent prodding. 

Additionally, after making a payment in full through the Chase website, my account continued to negatively accrue late fees and interest. I flagged this issue to multiple Chase representatives who, ultimately, agreed that this was a process error and waived all of these charges on my account. Despite this, Chase AGAIN reported this account as late to the bureaus.
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted these companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2024-02-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: World Acceptance Corporation (LA)

On XX/XX/2023 I paid the amount agreed to in the settlement letter to pay to delete to XXXX XXXX XXXX  through there lawyers XXXX XXXX. Because they took legal action against me and opened a lawsuit against me.they sent me a letter in the mail stating I can pay a certain amount to settle the debt or take a risk of going to court and being sued and losing. I decided with the threats and legal action taken against me to settle the debt out of court. I paid the debt. The debt cleared on the XXXX XXXX XXXX XXXX. But XXXX XXXX never reported that the debt was paid. The lawyers they had XXXX XXXX. Said I would receive a letter stating the debt was paid but I never received it. And Everytime I have disputed the information as paid and settled and deleted it is never updated by XXXX or XXXX. Infact XXXX has the debt by XXXX XXXX XXXX duplicated and on my account XXXX  for the same debt. They are damaging my credit with reporting false information and violating my rights. I would like this information removed. CEO XXXX XXXX of XXXX. CEO XXXX XXXX of XXXX. XXXX XXXX president of XXXX XXXX XXXX and XXXX XXXX. And XXXX XXXX of XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-01-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CO)

My home mortgage is serviced by Wells Fargo. My loan was originated by Wells Fargo in XX/XX/XXXX. Our monthly payment includes escrowed amounts for property taxes and insurance. On XX/XX/XXXX I received an email from my insurance provider notifying me that my insurance payment was past due ( due XX/XX/XXXX ) and to contact my mortgage servicer. At the same time I paid my insurance balance in full just in case. The XXXX XXXX XXXX website indicates the insurance is to be paid by lender and the Wells Fargo website has my complete policy information that hasn't changed for the duration of my loan. 

On XX/XX/XXXX I called Wells Fargo to request to be taken off escrow and to be refunded the escrow balance attributed to my insurance that I already paid. I was notified that the bank was in process of force-placing insurance because they said they hadn't received new policy information from XXXX XXXX. However, in a matter of minutes [ and without me having to provide any new information ], the agent on the phone was able to confirm with me that he has the updated XXXX policy information. He cancelled the forced-placed insurance policy that was in process of being placed on my account. I was never notified that Wells Fargo was missing any information or that insurance was being force-placed on my account. The agent on the phone indicated there was some " business to business '' bridge that mortgage servicers and insurance companies use to share information and this was the reason for the payment delay on Wells Fargo 's side. 

My complaint is that if this is happening to me, this is likely happening to thousands of other customers. Improperly placing " force-placed '' insurance will increase the homeowner 's monthly payments, likely causing some homeowners to miss payments and ultimately lose their home. I believe Wells Fargo has already been found guilty of these practices. I consider my matter resolved but I am concerned for the well being of other homeowners. Thank you.
Consumer complaint received 2021-01-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: World Acceptance Corporation (AL)

Hello! I have struggling to pay the installment loan off but, it keeps going up hirer ( balance ). I'm recently been added 29 % interest to loan. Also, they just now started charging XXXX for late fees. This is apart of our original loan agreement! With interest extra and late fees how will I ever get loan paid? Thank you
Consumer complaint received 2024-03-21
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. (CA)

I am writing to formally lodge a complaint regarding the inaccurate reporting of certain accounts listed below on my credit report. It has come to my attention that the company responsible for reporting this account has done so erroneously. They have acknowledged an internal issue resulting in the incorrect posting of past due statuses. Specifically, from XXXX XXXX XXXX XXXX XXXX, they incorrectly listed me as past due for XXXX, XXXX, XXXX and XXXX  days. I kindly request that you conduct a thorough investigation into this account and update their status to reflect that they have never been lateXXXXXXXX XXXX XXXX