davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NC)

They are allowing other institutions take processed funds then pending these charges and processing them on a later date which causes removal of more funds followed by an overdraft fee if my available balance is at XXXX on products that are already paid for
Consumer complaint received 2020-12-24
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND I CAME ACROSS SOME ACCOUNTS AND INQUIRIES THAT WAS REPORTING ON MY CREDIT THAT DOES NOT BELONG TO ME. THE ACCOUNTS AND INQUIRIES HAVE NO CONNECTION WITH ANY TRANSACTIONS THAT WAS MADE BY ME. I WOULD LIKE FOR THIS MATTER TO BE RESOLVED AS SOON AS POSSIBLE BECAUSE THIS SITUATION HAS CAUSED A VERY BAD LOOK ON MY CREDIT FILE.
Consumer complaint received 2020-12-24
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. (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 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (CA)

Affirm reported 2 late payments over 60 days in XXXX to XXXX. The company spoke to one of the account holders and due to financial hardship, agreed to allow these payments and assured that they would not be considered late or affect credit. 

I have an excellent payment history aside from this and would never have allowed these delinquent payments. The company refuses to respond to several emails I have sent to request evidence that the payments were due ( I received no statements or text messages that payments were due or late, which is how they would have alerted me to it ). 

XXXX has declined multiple disputes and I am hoping to have these removed as the company provided inaccurate information and now refuses to respond.
Consumer complaint received 2020-12-24
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- OTHER ACCOUNT 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$200.00} -This is not my account.
Consumer complaint received 2022-01-30
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: EQUIFAX, INC. (GA)

The account listed on my Equifax credit file as being owned by XXXX XXXX XXXX, Account # XXXX should not be reporting to my credit file. It was previously reported under the original company as XXXX and DELETED due to fraud. This is a reinsertion of a fraudulent file and should be removed immediately. I have brought this to a representatives attention but have not received a response in a timely manner regarding this issue.
Consumer complaint received 2020-12-23
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: Mercedes Benz Financial Services (PA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, MERCEDES-BENZ FINANC and XXXX XXXX add a hard inquiries on my credit reports. 
But 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 2024-02-29
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. (OH)

These accounts were illegally opened in my name without my consent or knowledge. I have tried to contact these companies multiple times to no avail. Please REMOVE these IILEGAL items off my credit report. Thank You! 

XXXX XXXX XXXX Balance {$140.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XXXX XXXX XXXX XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX, XXXX
Consumer complaint received 2020-12-24
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. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2020-12-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (GA)

About a month ago, I filed a CFPB complaint against Debt Recovery Solutions about their agency reporting XXXX unverifiable XXXX XXXX on my credit report for {$980.00} and {$610.00}. They responded to the previous complaint, and agreed to delete the accounts from my credit profile. In fact, this was their exact response : " Company 's Response XXXX XXXX This office acknowledges receipt of the complaint you have filed with the Consumer Financial Protection Bureau XXXX The accounts in question were referred to our office for collection in XXXX. In light of the information set forth in this complaint, we have closed these accounts and returned them to our client for further processing. As such, all further collection activity by our company has been suspended. Additionally, we have instructed the credit reporting agencies to delete any update we may have placed on your credit profile. Please feel free to contact me directly if I can be of further assistance. XXXX XXXX Debt Recovery Solutions , LLC Managing XXXX XXXX  XXXX '' Unfortunately, we have still not received anything from Debt Recovery Solutions about the origin of these debts, and in addition, they are still reporting them on my credit report almost an entire month later. So Debt Recovery Solutions continues to take no action to resolve my issues, and continue to needlessly damage my credit rating by allowing these accounts to continue to drag down my credit score.
Consumer complaint received 2020-12-24
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. (NC)

From XXXX, my XXXX XXXX XXXX XXXX account number XXXX was included in a Chapter XXXX bankruptcy filing. Once the Chapter XXXX is removed from my credit report, the associated derogatory reports are supposed to be removed also. On my current Equifax report, those derogatory payment reports from XXXX remain. I disputed this situation with Equifax ( attached Dispute # XXXX ), but received a response saying that the XXXX  XXXX XXXX investigated and is reporting accurately. 

That is clearly not the case. For this report, I attached the same document evidence provided to Equifax, and I assume, then forwarded to XXXX  XXXX XXXX - an extract from my XX/XX/XXXX credit report showing the account was clearly included in the Chapter XXXX bankruptcy. Back in XXXX, once out of bankruptcy, I was allowed to negotiate with the bank to modify the loan to bring it current. So, now that the Chapter XXXX has aged off my credit report, I expected the derogatory payment reports associated with it to be removed also.
Consumer complaint received 2017-02-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

I have disputed individual items on my credit report before, however, this complaint is specifically regarding the re-aging of accounts. Experian has re-aged accounts on my credit report that should have aged off of and of of reporting on my credit report. I would like for Experianto scrub my credit report and remove any aged out accounts being reported, as well as removing any accounts that were improperly re-aged which should have no longer been reportable.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Thaxton Investment Corporation (GA)

I paid off several debts over a year ago. The credit bureaus are still reporting them in a negative way. It is sayin too many delinquents, when there is no delinquents. It had caused me many denials, ans large deposits fir things. I have disputed over and over. It is emotional distress at this point.
Consumer complaint received 2020-12-23
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. (NY)

I would like to inform you that on On XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 61 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 61 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the XXXX data breach and this may be the result of this nefarious activity on my reports.
Consumer complaint received 2020-12-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (CA)

California eppi card payed out {$210.00} on XXXX of 2019 I did not make that purchase. Filed a dispute over the phone with the California Eppi card which is now California Way 2 go card and spoke more than once about this situation and ended up being charged anyway even after canceling my card and disputing it. Filing papers on the dispute and going through the whole process. Each person I spoke with from the California card had something different to say. Until now I still have that charge and my money taken away. And it was for a company that does not even have an email or phone number to contact.
Consumer complaint received 2020-12-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (PA)

I received a collections bill for {$3300.00} on an account that I know nothing about. 
I called the collection agency as well as the bank the account was registered and have been unable to obtain any information about the charges.I followed up with a registered letter to the bank to have information sent to me. 
I filed a report with the police.
Consumer complaint received 2020-12-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The COLLECTION ACCOUNT is not mine. The account does not belong to me. This means that I was not the person, which had an account with the original creditor, which has sold this account to this collection agency that is now reporting this debt.
Consumer complaint received 2020-12-24
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. (NV)

I reviewed a copy of my credit report and send disputes regarding inaccurate or incomplete information. I sent disputes to attempt to have investigated and I did not receive and updates or credit reports advising of results. My disputes was regrading account XXXX XXXX XXXX account number:XXXX****. This account is listed as charged off but is showing a balance of {$15000.00}, an open date XX/XX/XXXX, and last payment date of XX/XX/XXXX. I see account is reporting inaccurate. Per the FCDPA no account bearing a charge of can not have a balance listed. Also, the open date is different from other credit reporting bureaus. I sure that this creditor only reports once and this date is incorrect. Lastly, the last payment date shown to be XX/XX/XXXX but my payment history listed as of XX/XX/XXXX show an on-time payment. How is this possible. Again, this account in reporting inaccurate.
Consumer complaint received 2020-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2020 I disputed a credit that was supposed to be received from XXXX for a purchase I made where they failed to apply a discount to my order. I contacted their customer service at XXXX and got the approval for a refund of the amount of {$200.00} for a purchase I made on their website on XX/XX/2020 in the amount of {$2000.00}. 

Customer service at XXXX indicated they did already request from Paypal to credit this amount to me but it was not applying to my account since it is an alternative payment form. I used synchrony financing for this purchase through paypal credit and I attempted to dispute the payment and never got a reply to what happened to the request.
Consumer complaint received 2020-12-23
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: Experian Information Solutions Inc. (CA)

The COLLECTION ACCOUNT is not mine. The account does not belong to me. This means that I was not the person, which had an account with the original creditor, which has sold this account to this collection agency that is now reporting this debt.
Consumer complaint received 2016-04-18
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (NY)

Miss appropriate of the payment I had a settlement agreement of the debt and the comapny placed XXXX towards the debt against the original amount not the settled amount. 
The credit bureaus failed to investigate and it took three years foir the matter to be removed from the credit report. I want the XXXX I had paid back immediately.
Consumer complaint received 2020-12-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I reviewed a copy of my credit report and send disputes regarding inaccurate or incomplete information. I sent disputes to attempt to have investigated and I did not receive and updates or credit reports advising of results. My disputes was regrading account XXXX XXXX XXXX account number:XXXX****. This account is listed as charged off but is showing a balance of {$15000.00}, an open date XX/XX/XXXX, and last payment date of XX/XX/XXXX. I see account is reporting inaccurate. Per the FCDPA no account bearing a charge of can not have a balance listed. Also, the open date is different from other credit reporting bureaus. I sure that this creditor only reports once and this date is incorrect. Lastly, the last payment date shown to be XX/XX/XXXX but my payment history listed as of XX/XX/XXXX show an on-time payment. How is this possible. Again, this account in reporting inaccurate.
Consumer complaint received 2020-12-24
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. (PA)

This is my third attempt disputing with XXXX, XXXX and Experian. They continue to violate my rights by including inaccurate, fraudulent accounts that do not belong to me. These accounts were opened in my name without my consent.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

I have requested to have the PMI insirance taken off my mortgage several times based on current property values in my area. Wells Fargo has been no help and XXXX XXXX has been no help. They want to charge me a large fee of {$550.00} to even consider this. That is nit right I know the value of properties in the area.
Consumer complaint received 2020-12-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

Due to the pandemic I was in a forbearance program where I didn't have to make payments, up to a full year, starting XX/XX/2020. I was able to turn things around and made a payment in full for all monies due through XX/XX/2020 in the amount of {$25000.00}. I made the payment on XX/XX/2020. That same day, in the evening, I placed a call to the mortgage company advising them of the payment and requesting that I be taken out of forbearance since I made payment in full for what was owed. 

SPS servicing to this day has not credited or allocated all of my money that I sent in to update my account as current. Additionally, since asking to be taken out of forbearance on XX/XX/2020, I have actually still not been taken out of forbearance. XXXX is supposed to be my first payment, after my forbearance period. I literally have made approximately five or more calls and nothing has been done. It was escalated by XXXX XXXX on XX/XX/XXXX around XXXX to the manager of supervisors by the name of XXXX XXXX . I placed numerous calls prior to this call even. Fast forward almost a week now after the escalation and we are no where different. My account is still showing past due and I'm pretty sure is still in forbearance as of the date I'm writing this complaint. I was told this would've been completed weeks ago. I then called back in and spoke to supervisor XXXX who advised me that XXXX XXXX was aware of this and another department was working on correcting my account and removing the forbearance. I'm just not confident in that. I'm a little hesitant in making my XXXX payment right now because I feel this company has no idea what is actually going on with my account. Today is XX/XX/2020. Again, my XXXX payment is supposed to be my first payment after the forbearance period was terminated. Can someone please help this company figure things out productively. I'd greatly appreciate it.