davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I reported to both TransUnion and XXXX of a fraudulent derogatory mark from XXXX on my credit report. I disputed the mark and both reporting agencies ruled it meets their standards. I have tried to speak to someone on the phone about the issue with both agencies to no avail. This is not my XXXX account, I have XXXX and I'm still in good standing with them. I need to remove this from my credit because Im not paying for a XXXX   account that I've never owned.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (GA)

I have reached out to this company several times and have requested to provide affidavit of truth or something bearing my signature to prove this debt was created by and belongs to me. The company has failed to provide and sufficient evidence. The company responded by sending a copy of the card holder agreement and stated that this was the proof they used to verify the debt was created by me. I informed the company that this did not bear my signature nor was sufficient evidence proving the debt was created by and belongs to me. I would like this debt immediately removed from my credit report.
Consumer complaint received 2021-09-28
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: Bread Financial Holdings, Inc. (NY)

please removed these accounts 1. Identity Theft XXXX XXXX XXXX Case Number : XXXX This is not mine. 

2. Identity Theft XXXX/XXXX  XXXX Account Number : XXXX This is not mine. 

3. Identity Theft COMENITYCAPITALXXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2022-12-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Amcap Investments, LLC (TX)

I am a XXXX female who was discouraged and denied credit because I was told I could not use XXXX income to qualify me for my home. My builder was charging XXXX to build my home on land I owned valued at XXXX. I was told XX/XX/2022 XXXX. Yes I got a denial letter after the fact but I have a written text from XXXX XXXX who stated otherwise. 

XXXX XXXX at XXXX XXXX told me : I confirmed with underwriting we can not use your living and food stipend that is non taxable for qualifying. Non taxable wages can not be used towards qualifying income per underwriting guidelines. One way to look at it is to earn the taxable wages it requires you to have expenses for living and food, so the money you receive for those items are being used to cover an expense needed to make wages and are not additional income in the end. 

2 options I can think of. We can look to add your husband to the loan and utilize his income so long as he qualifies with his credit score, we also have to factor in debt in just his name. Second option might be contacting a credit union or small bank. They might have different rules in which they could use your additional income towards qualifying. 

If I could use the full {$9200.00} in income listed on the application you did qualify for the {$250000.00} requested. 

A different loan processor told me my income could be used her name is XXXX XXXX ( XXXX ) XXXX. She also told me she was working on a ( white ) client in my sans situation with non taxable income and she had gotten approval.
Consumer complaint received 2019-12-18
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

I have requested multiple times that they stop calling me, but they persist on a daily basis - always calling from different numbers around the country so its impossible to block them. I warned them if they continued to contact me against my wishes I would file a complaint with the FTC and they still call.
Consumer complaint received 2022-11-12
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2023-03-01
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. (TX)

Please see the attached letter from XXXX XXXX as well as the universal data form and update the account that is reporting inaccurately. The account is XXXX XXXX ending in XXXX. The late payment for XX/XX/2020 should be removed and updated immediately. The company has agreed to a goodwill amendment.
Consumer complaint received 2023-01-14
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (FL)

I am filing a complaint, as an appeal to an earlier complaint submitted, Case number XXXX. That case has been closed, without my consent or approval. 
The Consumer Financial Protection Bureau ( XXXX  ), has identified that Wells Fargo has violated the law regarding Auto Loan Servicing, Home Mortgage Servicing, and Consumer Deposit Accounts. XXXX XXXX XXXX XXXX. XXXX. In this case, I was a victim, and absolutely harmed financially by Wells Fargos servicing of my Home Mortgage. I could provide further details, if requested. 
Once I learned of the settlement, I promptly submitted a complaint with the CFPB, through their website. Case number XXXX. 
Wells Fargo responded, as is their responsibility in terms of the settlement. In their response, Wells Fargo was dismissive, and states, we were not able to validate the assertion we refused to provide this information. 
I do not accept this, they did refuse to provide information on a number of occasions. They can't validate this, because these conversations and document transfers all took place over the phone or fax machine. ( Email interaction was never offered, or even allowed ). Also, at the time, when I asked for written confirmation, it was stated that they were unable to provide that, due to company policy. In every case, they covered their tracks because they had the upper hand. If I asked for something in writing, rather than discuss over the phone, they would state that they could not provide that, and refuse to move forward with the process. When I asked to email, rather than fax documents, I was told that they were unable to receive emails. This was in XXXX. 
I asked the CFPB, how I can appeal this decision by Wells Fargo. I was told to submit feedback, again through their website, to my original complaint. I have, and I am still awaiting a response from Wells Fargo. 
With this in mind, Ive chosen to submit a new complaint, including the initial response from Wells Fargo, as attachments. It is my view that Wells Fargo simply dismissed my complaint because they can. There doesn't seem to be an alternative to their decision. Also, they are continuing to operate in the exact same bad manner that they were charged with in the first place. Simply denying that they have done anything wrong, and not providing any further information to support their position. Further more, since my mortgage has been sold to another company, they state that they are no longer the servicer, nor do they have any responsibility for the mortgage. This is even though they are the organization who serviced the mortgage, and modified the mortgage, prior to it's sale, which continues under the same unfavorable terms to this day. 
I am asserting that Wells Fargo is not only acting in bad faith with regard to this settlement, they are also using the exact same style of bullying that has been occurring for a decade or more. I would like to be added to the settlement.
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Violation of section 807 15 usc 1692e false or misleading representations. The account is fraudulent or innacurate. 

Violation of section 15 usc 1692c ( b ) communication with a person other than the consumer without the prior consent of the consumer or attorney. 

Pursuant to Federal Law 15 U.S> Code 1692g Validation of debts, the debt collector must cease collection of any alleged debt owed until verification of the alleged debt or a copy of the judgement or the name and address of the original creditor. They have not provided me with any documentation as of yet, so I am demanding deletion of this account. 

This collection agency, XXXX XXXX XXXX, has no contractual agreement in place with me nor any type of permission to communicate with me, yet they are reporting on my consumer report which is a form of communication. This needs to be removed immediately. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

CONVERGENT OUTSOURCING FORWARDED A NOTICE ADVISING THEY ARE ATTEMPTING TO COLLECT A DEBT THAT HAS NOT BEEN VALIDATED. UPON THE INITIAL REQUEST, I INQUIRED ON THE VALIDITY OF THE DEBT. CONVERGENT THEN FORWARDED THE ATTACHED, WITH A DIFFERENT AMOUNT, DIFFERENT DATES, AND DIFFERENT LENDER. IT DOES NOT REFLECT WHAT IS CURRENTLY SHOWING ON THE XXXX CREDIT REPORT AND IS INACCURATE.
Consumer complaint received 2019-12-23
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: AMERICAN EXPRESS COMPANY (NY)

In XX/XX/2019 Ive managed to purchase a XXXX  XXXX at XXXX XXXX XXXX XXXX XXXX for the amount of {$480.00}. I didnt have a chance to examine the unit prior to checking out, and discovered the technical issue with the player only at home it wasnt reading files from microSD  card properly. Ive vocalized this issue to XXXX XXXX XXXX XXXX XXXX customer support over the phone and been informed that Ive could return the item back to XXXX XXXX XXXX XXXX XXXX, following their return & refund policy. The item has been successfully returned back to XXXX XXXX XXXX XXXX XXXX on XX/XX/2019 via XXXX Tracking XXXX. Couple days after the package has been received, I gave another call to XXXX XXXX XXXX  and been told if the package has been received, I should expect the refund issued in 3-5 business days. However, I havent found a refund been posted to my account. 

Please, consider supporting documents attached. 

I have retained a copy of this letter for my personal files.
Consumer complaint received 2022-05-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Westcreek Financial (PA)

When you try and reach them, they are not available. I have noticed that when my payment comes due, they just cancel it. No notice no phone calls no email no nothing. I do not ever hear from them. When you try and use their website, it continuously gives you errors and does not allow you to proceed most of the time. The last three payments have cancelled, and they have not notified me at all. Why is this happening? This company has got some shady practices going on here just like some others of the XXXX  XXXX  category. I want answers and will not be held responsible for their negligence.
Consumer complaint received 2019-12-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions of Ohio, Inc. (OH)

On Friday, XX/XX/XXXX, I got a notification on my XXXX app that I had a new derogatory item, and that I had lost 36 points from my credit score. I called the agency that had made the report, Debt Recovery Services, and was told that the debt belonged to my husband for a medical bill of XX/XX/18 for {$100.00} from XXXX XXXX. I asked them to fax all supporting documentation to my personal fax, including both mine and my husband 's signatures. I asked the same of the original creditor. I have yet to receive the information after making the request again this morning. 

I would like this off my report. I was never contacted about the debt myself, so was not given an opportunity to avoid damage to my credit for something of which I had no knowledge.
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NC)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

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.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , KS XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : $ XXXX XX/XX/XXXX.
Consumer complaint received 2021-09-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. ()

I made two payments fairly close together. They are refusing to recognize the second payment and say that it is still due, no one has since tried to assist. I have sent them proof of payment and relevant reference numbers and no one is responding to me. 

1. I made two payments ( {$400.00} each ) which cleared on the XXXX of XXXX and the XXXX of XXXX. 

2. On XX/XX/XXXX they deducted the first payment but are still to date not acknowledging to the second payment. 

3. I have emailed three times and received a response ONCE on the XXXX of XXXX.
Consumer complaint received 2023-01-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I received a bill in 2018 from XXXX XXXX XXXX XXXX for XXXX I reported that it was not my bill because it is a bill for a XXXX XXXX XXXX which is not me. I told their billing that all my medical concerns go to my medical insurance ( XXXX or XXXX ) and that it should be sent to them. they called me back and said it was rejected by both insurances. I said, of course because I am not XXXX, XXXX XXXX. They ignored me and put this bill on my credit. i have continued to fight this through the years constantly saying this is not my bill, I am not XXXX, XXXX XXXX, never have been and never will be. When ever I have a medical concern i always send it to my medical insurances. no one has listened to me through the years. so I am now coming to you. 
This bill has been listed on my credit twice and they keep updating this account to make it a recent legal account which is not in my name. Tried calling creditor about this account and they refuse to take it off even though it is not mine. i called the credit reports about this and they refuse to take it off also even though it is not in my name and it is not my bill.
Consumer complaint received 2024-01-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc. (IL)

In XX/XX/XXXX I received an email from my credit monitoring saying that an account was placed in collections. I had no info so I called the collection agency to find out what it was. It showed for an account from XXXX for {$320.00}. I already have a current account with XXXX. So I would have no need for another. I called XXXX and they keep giving me the runaround. Wouldn't give information stating that I need to supply info to them. I sent them a copy of my DL that shows my address. It's the same address that I've had for 5 years. I was also told by the collection agency that my maiden name was listed on the account which is a name that I haven't used in 20 years. This account was opened from what I understand in XXXX. My credit history shows the addresses and names that I've used. The address listed on the account is not an address that's ever been affiliated to me. XXXX and credit agencies refuse to thoroughly investigate. Was also told by a XXXX rep that there was no SS # provided to open this account. This tells me that this was an inside job by a XXXX employee, opening up fake accounts. My address history is attached.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX XXXX - XXXX
Consumer complaint received 2022-11-12
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)

XXXX XXXX XXXX CLOSED XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Account Number XXXX Original Creditor Name XXXX XXXX XXXX XXXX {$430.00} bal. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-06-27
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'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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2019-12-16
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. (CA)

Theres been many serious errors made on my credit report which I have identified and am outlining below. 

XXXX XXXX XXXX***** First, this account shows as charged off with a balance of {$6700.00},? Second, it shows No.month of terms as 36 but the  account is Charged off so how can this be?. Not possible. 

XXXX XXXX Reporting that this account is Charged Off but it has a past due balance of {$300.00} on a {$100.00} credit limit? Not Possible. 


12 XXXX  XXXX XXXX  XXXX XXXX**** Reporting this account is Charged off and the amount says {$1000.00} and last reported in 2018 so this is not accurate, Then the same account is reported a second time as XXXX  XXXX XXXX  below with a balance of XXXX. NOT POSSIBLE! 

XXXX  XXXX XXXX XXXX**** Reporting this account twice as 12 XXXX  XXXX XXXX  XXXX  and shows a balance {$1000.00} and this account is showing $ XXXX..This a violation of the reporting laws.