davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-13
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. (AR)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that are open under my name and social. I also saw several recent inquiries. Seems like the person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of times. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX {$390.00} XXXX  XXXX XXXX XXXX {$460.00} DEPTEDXXXX XXXX {$4900.00} USDOE/XXXX XXXX {$11000.00} XXXX  XXXX {$110.00}
Consumer complaint received 2020-04-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (KY)

MRS BPO at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX @ XXXX, has been contacting me daily via texting, phone calls, and the mail. This volatile behavior is extremely harassing and verbally abusive. I do not owe this debt, and want them to cease & desist all communication and harassment immediately!
Consumer complaint received 2020-06-12
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX {$230.00} XXXX {$18000.00} XXXX {$100.00} XXXX {$22000.00}
Consumer complaint received 2020-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

My wife & I closed on our house XX/XX/XXXX. The purchase price of the house was {$140000.00}. At the time of closing, our house appraised for XXXX. We put 10 % down & therefore knew we had to pay PMI until we received 20 % equity or a LTV of 80 %. My wife & I paid an extra {$600.00} per month regularly along with our monthly payments to get our LTV down to 80 % as quickly as possible to removed PMI. Since closing a little less than 2 years ago, we have paid approximately {$11000.00} extra towards our principle. In XXXX of XXXX, we met our 80 % LTV & contacted Wells Fargo. They informed us that in order to remove PMI we would have to either A ) pay to have a new appraisal done or B ) get 78 % LTV. We crunched the numbers & decided it was financially better to apply the appraisal fee to our mortgage as oppose to actually having one done. In XXXX of XXXX we reached an LTV of 77.7 % or 22.3 % equity. I was told that our PMI would be removed automatically but when I called into Wells Fargo, they had to submit my request. A few weeks later I got a rejection letter saying that I had to pay to have an appraisal done to remove PMI despite having a LTV of 77.7 %. They also said that the appraisal would not ensure that PMI would be removed. I told them many times this is not what I was told in XXXX of XXXX, this is not what it says on our mortgage or any of our documents we received at closing & that according to the Homeowners Protection Act of 1998, they are breaking the law & that PMI should have been automatically removed at 78 % LTV. In XXXX & XXXX of XXXX, I called Wells Fargo at least a half dozen times. I have spoken with people at the executive office as well as had cases opened up on my behalf. Nobody is willing to help me & they keep telling me I have to pay for a new appraisal at my own expense. During this process, I discovered that although Wells Fargo manages my Mortgages, XXXX XXXX owns the mortgage. I have also reached out to XXXX XXXX numerous times, had cases opened up & still nobody is willing to help me. 

I'm writing this complaint to notify you that Wells Fargo & XXXX XXXX are breaking the law when it comes to the Homeowners Protection Act of 1998 ( Public Law Number 105-216 ) & taking advantage of consumers by over charging them PMI. I'm also writing you to get this resolved ASAP & remove PMI from our mortgage.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Im aware that a charge off is considered a certificate of indebtedness which means it is income and therefore, eligible for removal from the records.. In light of this information and seeing as in multiple credit reporting agencies are reporting this under my account, I would like to kindly request assistance in reviewing this information due to the implications of a charge off under the Internal Revenue Services ( IRS ) IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and, therefore, eligible for removal from the records. Im requesting an investigation based on my XXXX and Equifax credit report information showing a charged off debt from XXXX XXXX XXXX reported on XXXX XXXX for the amount of {$23000.00}.
Consumer complaint received 2020-06-12
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. (AR)

I found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts open that I have never open. I then started to investigate and pulled my credit to check what all had been open. there are way too many fraudulent accounts open that I am near familiar with. These accountsare not mine. Please remove them. 

XXXX XXXX {$2800.00} XXXX XXXX XXXX {$3100.00} COLLECTIONS XXXX {$140.00} COLLECTIONS XXXX {$1300.00} XXXX CARD XXXX {$800.00}
Consumer complaint received 2020-04-13
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (TX)

I purchased two automatic feeders from XXXX on XX/XX/XXXX using my XXXX credit card. The feeders arrived and did not work properly. I reached out to XXXX and got nowhere with them. They stated since the feeders had been used, they could not be returned. I submitted a dispute with my XXXX  credit card which is issued by Comenity Capital Bank because I was not satisfied with the goods I received. I got a letter in the mail stating they would review my dispute, and notify me in writing once it was finalized. To date, I still have not received a letter stating the outcome of my dispute, but I have called them on the phone and they said my dispute was denied because it was after the 30 day return policy. Per the terms and conditions on my credit card statement " you must contact us within 60 days after the error appeared on your statement '' which I did. The letter was dated XX/XX/XXXX which was within the 60 days. I met all the criteria of " if you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may the right not to pay the remaining amount due on the purchase ''. I am including all correspondence between myself and Comenity Capital Bank with this complaint. The only letters I have received to date from Comenity Capital Bank are dated XX/XX/XXXX - We are working on your dispute and XX/XX/XXXX - directing me to contact XXXX customer service to help with my question. I have not received anything from them regarding the dispute being denied due to the 30 day return policy as stated on the phone.
Consumer complaint received 2020-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-04-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Union Home Mortgage Corp (FL)

I have been trying to contact my mortgage company ( Union Home Mortgage ) for at least 1 week to request relief due to COVID-19. I have called numerous times and there is no ability to leave a message or even hold for an agent. I have submitted online requests for assistance as well. I simply can not get any communication from them and I am in need of assistance. Please help!
Consumer complaint received 2024-02-14
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: ZIONS BANCORPORATION (AZ)

To whom it may concern, I hope this email finds you well. My name is XXXX XXXX, and I recently had an unfortunate experience while attempting to apply for a construction loan with National Bank of Arizona. 

Upon visiting your website, I was pleased to find information indicating that construction loans were available. Eager to proceed, I promptly filled out the application, providing all necessary paperwork and personal information. 

To my disappointment, within two days, I received a call from a Mortgage representative who, regrettably, demonstrated a lack of professionalism and rudeness. I was informed that the bank does not provide construction loans for investment purposes, contrary to the information on your website and the details provided during the application process. 

Despite our attempts to explain the inconsistency between the website information and the representative 's statements, the call was abruptly ended. This experience has left me frustrated and confused, as the miscommunication has impacted my plans.

I understand that policies may vary, but I believe it is crucial for the website information to accurately reflect the bank 's offerings to avoid any misunderstandings or inconveniences for potential customers. 

I kindly request a thorough review of your website information and clarification on the availability and terms of construction loans, specifically for investment purposes. Additionally, I hope to receive guidance on how such discrepancies will be addressed to ensure a smoother experience for future applicants. 

Thank you for your prompt attention to this matter. I trust that National Bank of Arizona is committed to maintaining transparent and reliable communication with its customers. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-12
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. (NV)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Palmar, Inc. (CT)

I didnt give permission for a friend to use my Identity by opening a Utility Account with XXXX XXXX XXXX XXXX, back in XXXX or XXXX. 

I reported to XXXX that my identity was used at their company and I did not authorize this use. 

Not only did they not do anything about that by going after that person XXXX XXXX themselves. 

They basically held me liable for this BILL. 

I have told them repeatedly disputed this repeatedly and here we are in XXXX XXXX How many years later? 
At least 12 years later. 

Even if it was XXXX when my husband and I moved out of XXXX we're still talking 10 years! 

What gives a company the right to basically castrized an innocent party with a bill that is not theirs in the first place and worse started in XXXX at the least, and yet they claim it was open in XXXX?? 

I have proof I moved out of XXXX and XXXX because I took a lease if you would like to see proof of that lease I have no problem showing you that the leases in XXXX why would I be getting electricity in XXXX? 

I want proof of that!! 
If I have to prove that this bill is not mine I want you to prove that it was taken out in XXXX in my name and how I opened it! 

I have that right as a consumer so I want to see any and all documentation. 
That has to with me opening an account with your company in XXXX or XXXX whatever you want to claim, I want to see it!! 

I will take them to small claims court. 

I know darn well I moved out of XXXX in XXXX! So why in XXXX 's name would I open an account in XXXX?????? 
IN XXXX  when I lived in XXXX and moved to XXXX in XXXX!! Check the voter registration!!! 

If this is not removed I will take it further, much further. 

Shame on XXXX for taking the word of a company over the facts of the consumer. 

Thank You!!
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Waypoint Resource Group, LLC (CA)

XXXX XXXX XXXX IS REPORTING A COLLECTION FOR {$680.00} THAT I HAVE NO KNOWLEDGE OF ON MY XXXX CREDIT REPORT. 




IM UNAWARE OF THIS DEBT, I DID NOT HAVE THE OPPORTUNITY TO ADDRESS THIS INFORMATION. 
IF IN FACT YOU BELIEVE YOU GAVE ME PROPER NOTIFICATION, THEN PLEASE SEND ME THE CERTIFIED RECEIPT WITH MY SIGNATURE ON IT.
Consumer complaint received 2020-06-12
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. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. 
DEPTEDXXXX {$3000.00} DEPTEDXXXX {$4800.00} XXXX {$250.00}
Consumer complaint received 2020-06-12
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. (IL)

XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX BANK NA partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-04-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched XX/XX/XXXX FRAUD CLAIM LETTER. XX/XX/XXXX claim date. USAA TOOK A YEAR TO COMPLETE THIS INVESTIGATION. There are No temporary credits ( as this letter ALLEDGED were made permanet ) See attatch3d XX/XX/XXXX statement confirming merchants credits only {$120.00} & {$210.00} = {$340.00}. THERE ARE NO USAA CREDITS. see enclosed transactions of XX/XX/XXXX of the {$470.00} transactions reported fraud ** '' after the mechants credits were deducted. Balance of {$470.00}. Cardholder held Liable. See attatched XX/XX/XXXX transactions. All XX/XX/XXXX XXXX transactions are DUPLICATE CHARGES UNAUTHORIZED XX/XX/XXXX. They total {$470.00} PUT BACK ON A DIFFERENT CARD A SECOND TIME XX/XX/XXXX. See attatched ID THEFT case XXXX USAA WAS NOTIFIED XX/XX/XXXX of this IDTheft. USAA HAS NEVER PROVIDED PERMANET CREDITS FOR THIS FRAUD. USAA DESTROYED MY CREDIT COLLECTING ON THIS ID THEFT.
Consumer complaint received 2022-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In Accordance with the Fair Credit Reporting Act the following accounts have violated my right. 

XXXX XXXX XXXX Act # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX  As stated in 15 U.S.C 1681 Section 602 A, it states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-06-12
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. (AZ)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 
XXXX {$800.00} XXXX {$240.00} XXXX {$360.00} XXXX {$77.00}
Consumer complaint received 2020-06-12
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. (NV)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.
Consumer complaint received 2024-07-04
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc. (WV)

My cashapp sent me a card that didn't work so they cancelled it and was supposed to send another cash card. Well they didn't and every time it tried to order one or get one it says error. So I went to the support team and they gave me the run around not once but twice and now I'm coming to you with the hopes I get real help and assistance. I also have the screenshot of them blatantly and disrespectfuly toying with me.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IA)

PLEASE BLOCKED AND REMOVED It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Consumer complaint received 2024-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada) (CA)

I was a victim of identity theft back in XXXX I reported this issue to the XXXX Police Department. I recently viewed my credit report a seen a collection for a company I never done business with. I wasn't contacted about this account I just happen to check my credit and seen it appear. I have used the same dentist insurance since XXXX and the same dentist so I wouldn't have the need to apply for another dentist insurance company.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I am very concerned because my credit report is showing discrepancies. I am a very concerned consumer and want only true information list on my report and accounts that belong to me. Collections were not validated per law. All collections are listed as open and past due. Require the method used to verify these debts belong to me. A signed Purchase agreement from each company, not billing statements. Please remove this inaccurate information as this is a clear violation.
Consumer complaint received 2020-06-12
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX/XXXX  XXXX {$450.00} XXXX/XXXX   XXXX {$3800.00} XXXX XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}