davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021 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. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-01-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

I am responding to the recent settlement with Wells Fargo. 
Wells Fargo wrongfully and fraudulently filed a foreclosure actionXXXX XXXX against me in XXXX. They fairly quickly voluntarily dismissed the case but it took 8 months, court appearances and a great deal of distress. 
Then in XXXX of XXXX, I attempted to make my mortgage payment online and they wouldn't accept it. I called customer service and the representative asked me to sit down and then proceeded to inform me that they didn't want my money, they wanted to foreclose. Wells Fargo shortly thereafter filed another wrongful foreclosure action against me. That case was finally dismissed in XXXX of XXXX. Three years of stress/damage to my credit report/Slander of Title in the Official Public Records of XXXX XXXX XXXX XXXX ( they didn't even get my name correct on the complaint ).  The stress of being served with surprise lawsuits against me, the continual threat of the loss of my home of 23 years and going to court has been overwhelming and has damaged my mental and my physical health.
Consumer complaint received 2021-01-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (CA)

I was a customer of XXXX XXXX XXXX XXXX, I changed insurance companies and went to XXXX XXXX effective XX/XX/2020 Policy # XXXX. I called and notified XXXX of the change and that I would not be renewing my policy with them. They continued to enforce the policy under the COVID19 assistance program, which I did not need, nor did I ask for. After two months of this continued billing, they charged me {$430.00} for insurance coverage that I called and cancelled, did not request an extension nor did I need the insurance. 

XXXX has now sent the account to Credit Collection Services, XXXX XXXX XXXX, XXXX MA XXXX for collection and it has been added to my credit profile.
Consumer complaint received 2023-07-17
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)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with XXXX plus days of no response.
Consumer complaint received 2023-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (AZ)

I opened a XXXX XXXX XXXX account. Once I received the card I was unable to activate it. They kept saying account not found. Once I spoke to their credit department, they stated they could see my application and that it was approved. They advised me to go into the store and use the account and then it will be activated. I did that and after several weeks they were still unable to locate my account. After 3 weeks, I received a bill in the mail. Once again I called to locate my account as I only had 1 week to make a payment. They were still unable to locate my account. I had a bill in front of me, an account number and no one who would help me make a payment in the account. I feel like I am being scammed and about to get hit with late fees, interest and a ding on my credit report.
Consumer complaint received 2021-01-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VA)

Nationstar/ Mr. Cooper did a loan modification & they added thousands & thousands on to my mortgage they mishandled my modification then put on my credit report I missing payments not true & sold my loan to XXXX XXXX for more then I owe. Still has much on my home loan as I did when I first bought the home in 2006??
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MA)

Since XX/XX/XXXX, I have trying to get all three credit reporting bureaus, Equifax, XXXX, and XXXX to add my XXXX XXXX account from XXXX account # ending in XXXX to my credit. Ive had this account for 7 years it still active and it has not been added to ANY of the accounts. 
XX/XX/XXXX called XXXX gave them my social again to report to all three Bureaus and they sent it over several times and Equifax nor XXXX nor XXXX added my account. 
XX/XX/XXXX called spoke with XXXX credit bureau specialist unit at XXXX they will send credit report and gets on credit report 5 business days after but it was never added XX/XX/XXXX called Equifax added a consumer statement to add XXXX stated it is my account confirmation # XXXX I added a consumer statement on Equifax confirmation # XXXX XX/XX/XXXX again For same reason with XXXX account ending XXXX XX/XX/XXXX credit Bureau Specialist Unit spoke with XXXX XXXX reported it on the XX/XX/XXXX. She re-reported today XX/XX/XXXX as an Intercycle Update sending over what data is today as of Freedom card XX/XX/XXXX It should take XXXX business days Friday/Monday of Next week to be added to Reporting Agencies XXXX Equifax and XXXX It was NEVER added Call all three Bureaus Again to make sure there is a consumer note XX/XX/XXXX called XXXX sent a consumer note called XXXX department priority escalations added Consumer Statement. Called Equifax updated consumer statement confirmation number # XXXX XXXX to follow up with statement to add these to my Credit it was never added to any of my cresit accounts. 

XXXX account ending # XXXX is my credit card account and it is active and it SHOULD be on my credit on XXXX, Equifax and XXXX and it is NOT
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I disputed errors on my credit report with XXXX and Equifax, XXXX. XXXX stated they could not dispute my credit so they didnt do their job and ignored my request. I never heard back from Equifax and XXXX.
Consumer complaint received 2022-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have uploaded to EXPERIAN.com/upload multiple times my updated social security card, active drivers license, and FTC REPORT for identity theft. I have written a letter telling EXPERIAN to get rid of every alias of XXXX but to only keep XXXX XXXX XXXX because that is my legal name. My social and my license both show it as such. My license shows my address, which is on my consumer report - ( ONE of at least 25 addresses ) which i instructed EXPERIAN to keep only the ADDRESS THAT IS ON MY LEGAL DOCUMENT and delete the rest. Well, when i go to dispute the fraudulent addresses, i cant dispute it because a furnisher is reporting on that address so it must stay. I let EXPERIAN know that those addresses, those accounts are fraudulent. Theyre part of the identity theft because my abode is the address on the license. I need my personal information updated fairly and without blemish so i can have those fraudulent accounts off my consumer report.
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: Experian Information Solutions Inc. (WA)

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX. XXXX, 2019, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2019, XXXX add a hard inquiry on my credit reports.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for CAPITAL ONE to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account Number CAPITAL ONE - XXXX CAPITAL ONE - XXXX Last XXXX digit SSN : XXXX
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IN)

I am about to close on a house on XX/XX/2023. My lender is having issues pulling my Equifax to get my credit report. I tried calling customer services multiple times for the past month but customer service agents are saying they don't see any thing on wrong on there end. I even email customer service but haven't gotten a response. I try pulling my Equifax online also, I even tried getting my annual report but to no avail. I really need this issue to resolve ASAP. I already invested so much time and money on this house. I would hate to loose it for something that is not my fault.
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

On XXXX XXXX, 2024, I submitted an application for a Capital One XXXX. Shortly after submitting the application I received notification from XXXX and XXXX that Capital One pulled my reports. This was expected. An hour later, I received notification from Capital One that more info was needed to process my application, which I promptly submitted. 

On XX/XX/2024 I received an email from Capital One indicating my application was approved, and shortly thereafter I received notifications from XXXX and XXXX that Capital One pulled my credit AGAIN for the same application. I did not authorize a second pull of my credit. If Capital One thought something on my credit had changed in XXXX hours, they could have done a soft pull.
Consumer complaint received 2024-03-15
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. (OR)

HARD INQUIRIES MADE IN ERROR OR PLACED ON MY CREDIT MORE THAN ONCE AS IT ONLY SHOULD BE ONE TIME OR NOT AT ALL AS SOME I DIDNT APPLY FOR IT AT ALL. PLEASE DELETE.


XXXX :ON XXXX XXXX XXXX XXXX XXXX  KY XXXX

NEVER APPLIED WITH THIS BANK OR COMPANY. PLESE DELETE

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FLORIDA XXXX  
THIS IS A DUPLICATE ONLY APPLIED ONCE NOT TWICE THIS IS ERROR PLEASE DELETE XXXX XXXX XXXX: ON XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX  
THIS IS DUPLICATE ONLY APPLIED ONCE NOT TWICE THIS IS ERROR PLEASE DELETE


THEIR IS MORE THAN ONCE ON MY CREDIT SAME COMPANY EITHER DIDNT APPLY AT ALL OR APPLIED ONLY DID IT ONCE ON MY CREDIT IT HAS BEEN PLACE MORE THAN ONCE TWO OR THREE TIMES NOT ACCURATE PLEASE DELETE AS I MADE SURE TO PUT DATES OF THEM ALL. THANK YOU
Consumer complaint received 2024-03-15
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: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Adjustment Service, Inc. (PA)

DIVERSIFIED ADJUSTMENT has Submitted False documentation stating that the account is opened since Date opened XX/XX/2022 when it wasn't I don't know who this company is but its hindering my credit Score do the False Information I never Spoke to this Company or Signed any Documentation
Consumer complaint received 2020-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

These collection and closed accounts are fraudulent and there are hard inquiries that should not be on my credit and are to be deleted, customer service is not responding. Please delete. Please see police report attached.
Consumer complaint received 2023-07-26
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: EQUIFAX, INC. (TX)

This is my Complaint about the negligence of the 3 Credit Bureau. I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of the account resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. This is the inaccurate account that I want them to correct : 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 2023-07-30
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. (CA)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX CHILD SUPPORT XX/XX/2023 XXXX XXXX To Whom It May Concern : On XX/XX/2023, I received a copy of my credit history report from XXXX, XXXX, and Trans Union. That Report contained incorrect information reported by you. 

I contacted the XXXX XXXX and Trans Union to request deletion of this inaccurate data from my Credit History Report, but they have refused. They insist that your company claims this information to be accurately reported. This is not true, and here as follows is the correct information : Child Support - I never had child support in my life. Me and my wife still live together and have our kids under the same roof. These child support payments are reporting inaccurately on all XXXX credit bureaus, ( XXXX, XXXX, and Trans Union ). 

This negative mark is damaging to my credit. Please contract XXXX, XXXX and Trans-Union , immediately to remove this information from my credit file. 

Please confirm to me within 20 days that you have contacted the credit bureaus to correct this information. 

Thank you for your time and assistance. 

Sincerely yours, XXXX XXXX
Consumer complaint received 2019-02-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CA)

When first speaking with a loan officer we explained that we were looking to consolidate our 1st and 2nd mortgage. He assured us this would not be a problem as long as the appraisal came in at the necessary value. While we have very good credit, we were made aware of a fraudulent card opened in my name at a department store with an outstanding balance and late pays. After further discussion and noting that this was not ours we were again assured that there would be no problems and on XX/XX/XXXX we received our Rate Lock Guarantee noting a Fixed 30 year term at 4.5 % with a rate buy down of .125 %. Everything was in order so we asked them to continue with the process. On XX/XX/XXXX however, we received yet another Rate Lock Guarantee disclosure stating that the rate is now 4.75 % but did not disclose any reason as to why it was increased. When speaking with our loan officers manager, XXXX XXXX, he only said that these things happen sometimes even though there were no material changes since the date of the first Rate Lock. I am also providing an estimate provided to us back in XXXX of 2018 that notes we asked to consolidate a Heloc much before the negotiated Rate Lock of 4.5 % was provided and even noted by the loan officer. We ask that Wells Fargo honor the terms they set forth in the same way they would expect a borrower to honor the terms of repayment. 

Lastly, my wife is an employee of Wells Fargo and works in a local branch. When the decision was made that they would not honor the locked rate the loan officers ' manager, XXXX XXXX, took it upon himself to contact her direct manager and gave certain details about our loan and that it would be  declined if we did not accept the rate. My wife 's manager had no reason or right to be given this information and was at no point included in the mortgage process. My understanding is that this violates the Graham-Leach-Bailey act under privacy guidelines. I must insist that no further information relating to this transaction be shared with anyone not directly involved with the matter as the previous contact felt like an intimidation tactic.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Fix my credit report now. Remove the incorrect names and addresses immediately they're not mine. Check and delete and please no more mistakes. Thank you for fixing this issue immediately. Incorrect Names : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX.
Consumer complaint received 2024-02-22
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: EQUIFAX, INC. (IL)

I am filing a follow-up complaint regarding Equifax Information Services LLC 's unauthorized and deceptive practices in handling my request to remove information from my Equifax credit XXXX related to human trafficking. Despite submitting valid documentation in accordance with federal law, including a Victims Determination Letter from a recognized XXXX, Equifax has declined my request and misrepresented their attempts to resolve the matter. Equifax 's actions violate 12 CFR 1022.142 ( e ) ( 4 ) of the Fair Credit Reporting Act, which prohibits them from refusing to block adverse information based on the validity of submitted documentation. I request an investigation into Equifax 's non-compliance with federal regulations and appropriate action to address their misconduct.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

Some of my student loans were recently discharged by the US Department of EducationXXXX . 

However, my credit reports has not been updated by all 3 major credit bureaus. This is not fair and need the correct information reported.