davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-01
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. (IL)

Hi I am submitting this XXXX XXXX  XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2020-12-25
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. (AL)

On XX/XX/20 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 im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-03-03
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Specialized Loan Servicing Holdings LLC (CA)

I sold my home on XX/XX/2019. 

Specialized Loan Servicing in XXXX XXXX CO claims i owe them money. They received the account 6 days after I closed escrow. 

I keep telling SLS this and they keep trying to collect money from me.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-12-25
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. (NJ)

I believe Experian is reporting my score much lower than it should be. I own 5 credit cards with a total balance of {$2000.00} which I pay off each month. All of my other loans have been paid off and are in " exceptional '' standing. Yet my score is XXXX and is only fair. The image I attached shows all my accounts. You will see they are all in exceptional standing yet I'm being marked late and my score is terrible. The image shows all my accounts as of XX/XX/25
Consumer complaint received 2022-12-25
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. (NY)

I have an account that was closed that's still was on my credit report stating potentially negative if the account is closed nothing should be potentially negative nothing should be on my account it should be removed not potentially negative also they have an auto loan on that XXXX  credit report that does not belong to me and I keep telling them that I do not live in Virginia I never lived in Virginia I've never even been through Virginia but all of this stuff was on my credit report why is XXXX credit report not matching what the other credit bureau agencies this is a big major concern with nobody giving me answers all inaccurate stuff on XXXX they fell into remove all other credit bureaus remove the stuff because it's not me
Consumer complaint received 2022-12-25
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. (NY)

I have an account that was closed that's still was on my credit report stating potentially negative if the account is closed nothing should be potentially negative nothing should be on my account it should be removed not potentially negative also they have an auto loan on that XXXX  credit report that does not belong to me and I keep telling them that I do not live in Virginia XXXX never lived in Virginia I've never even been through Virginia but all of this stuff was on my credit report why is XXXX credit report not matching what the other credit bureau agencies this is a big major concern with nobody giving me answers all inaccurate stuff on XXXX they fell into remove all other credit bureaus remove the stuff because it's not me
Consumer complaint received 2022-04-01
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)

Hi I am submitting this XXXXXXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2020-03-03
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 — Investigation took more than 30 days
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 {$36000.00}. 
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. 
-- AUTO ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$36000.00} -This is not my account.
Consumer complaint received 2023-01-05
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. (SC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-12-25
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was asked to be a cosigner but I wasnt aware that XXXX was going to do more than one hard pull on my credit. As you can see Ive been working extremely hard to build my credit during this pandemic to get help with buying me and my kids a home since I recieved a eviction notice. This has put me 2 steps backwards if I had known these hard inquiries would effect my score and it was more than one company checking my credit I wouldnt have volunteered. I am in a crisis and need help with remove these hard inquiries asap please.
Consumer complaint received 2020-03-03
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: EQUIFAX, INC. (GA)

XXXX XXXX XXXXs reporting a debt of {$470.00} owed for a credit card with a beginning balance of {$400.00}. The card was opened on XX/XX/XXXX. The Account was closed on XX/XX/XXXX. This debt is not valid and should no longer be appearing in my credit file. In accordance with the FCRA this file should have been removed from reporting as of XX/XX/XXXX.
Consumer complaint received 2019-04-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (OH)

I Have Contacted the company to let them know the debt they assigned to me was an error on XX/XX/2019 and they let me know it was verified that the debt was mine i let them know it was an error and the debt was unverifiable and inaccurate
Consumer complaint received 2018-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (CA)

- In XXXX of XXXX I applied for a loan consolidation through XXXX, to consolidate my loans that were in repayment. 

- On XX/XX/XXXX of XXXX I was approved for a Direct Consolidation Loan in the amount of {$36000.00} from a loan servicer NelNet, to pay my outstanding balance on my federal loans and was approved. 

- Approximately XXXX of XXXX, got a credit alert and received information from US Dept of Education that this loan defaulted.

- Reached out to both US Dept of Education and Nelnet on numerous occasions to resolve this issue and was told by Nelnet that account was in good standing.

- Contacted by US Dept of ED in XXXX of XXXX regarding notice of intent for Wage Garnishment for the balance of the loan. 

- In XX/XX/XXXX I submitted documentation detailing that I consolidated the loan and have been paying on time and was subsequently denied. 

- At this point a different collections agency is attempting to collect on this dept with added fees and interest in the amount of {$49000.00}. I currently have until XX/XX/XXXX to come up with a payment plan or they will proceed with garnishment. 

- Called NelNet on XX/XX/XXXX, talked to a specialist, they stated they don't know how to help and they they paid XXXX/XXXX. They said to reach out to US Dept of ED. 

- XX/XX/XXXX Contacted by assigned Creditor, XXXX XXXX, stating there was an error and I now actually only have until XX/XX/XXXX to come up with a payment plan or appeal the wage garnishment hearing in Federal District Court. 

- XX/XX/XXXX Sent Certified letter to both Nelnet and US Dept of ED Administrative Wage Garnishment group requesting a detailed investigation into all loan accounts associated with my name.
Consumer complaint received 2024-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

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 accounts : XXXX - XXXX XXXX - XXXX XXXX  - XXXX
Consumer complaint received 2022-12-25
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. (NY)

I have an account that was closed that's still was on my credit report stating potentially negative if the account is closed nothing should be potentially negative nothing should be on my account it should be removed not potentially negative also they have an auto loan on that XXXX  credit report that does not belong to me and I keep telling them that I do not live in Virginia I never lived in Virginia I've never even been through Virginia but all of this stuff was on my credit report why is Experian credit report not matching what the other credit bureau agencies this is a big major concern with nobody giving me answers all inaccurate stuff on Experian they fell into remove all other credit bureaus remove the stuff because it's not me
Consumer complaint received 2020-03-03
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One is reporting a debt of {$470.00} owed for a credit card with a beginning balance of {$400.00}. The card was opened on XX/XX/XXXX. The Account was closed on XX/XX/XXXX. This debt is not valid and should no longer be appearing in my credit file. In accordance with the FCRA this file should have been removed from reporting as of XX/XX/XXXX.
Consumer complaint received 2020-03-03
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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (RI)

In XX/XX/2018 I had fraudulent charges on one of my cards. The whole balance due was those charges and I knew that I wouldnt have pay them. They reported my late payment to the credit report companies. I have disputed this 6 times since then. They fixed it once then the item was placed back on my report. The credit bureaus keep saying that the info is correct
Consumer complaint received 2020-12-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION (NJ)

I sent a complaint to M & T Bank and they did not respond to my question instead M & T Bank replied with useless documentation. I am requesting that M & T Bank : 1 ) Show me a financial transaction record of monies received from XXXX XXXX  to pay-off my Hudson City Savings Bank mortgage XXXX. I need to verify if the amount that they received from XXXX  XXXX to pay-off my mortgage. 

2 ) Confirm that HCSB has no record of receiving any money from XXXX  XXXX. 

XXXX  XXXX NOTE is contingent on my receipt of a {$130000.00} loan from XXXX  XXXX. If HCSB has no record of receiving the money than please let me know because according to the NOTE XXXX  XXXX  prepared HCSB was not the intended payee. XXXX  XXXX claims that the contract is bound because the document is initialed. All I can say is that I would never initial the NOTE unless I received the check from XXXX  XXXX. XXXX  XXXX has no proof of paying anyone and there is no record of the mortgage being satisfied, no release of lien and no discharge of mortgage. In addition the XXXX XXXX insurance legal description is not any where near the deed location.
Consumer complaint received 2022-12-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been a very loyal customer of Bank of America for the past 20 years and have frequently used international wire transfers for transferring money from my USA account to my account here in XXXX. 

I have both USD & XXXX XXXX account in XXXX in " XXXX XXXX XXXX  '' and up until couple of months back, very easily I was able to set wire transfer online using bank of america 's website. I would transfer amount in US Dollars and Bank of America would charge {$45.00} as transfer fees, this was all working fine for me. 

Few days back I tried to schedule another wire from Bank of America for transfer to my XXXX based USD account, to my surprise - Bank of America 's website refused to do the transfer stating that oh " by law we need to tell you exactly how much fees will be charged but we can not determine that from your bank so we are unable to transfer to this account in US Dollars. However, you can try to transfer in XXXX XXXX and we won't charge you any fees for that ''. 

I thought, I convert my dollars anyway in XXXX XXXX here so why not let 's try to send money in XXXX. There I found that they are giving me an exchange rate of XXXX XXXX per dollar compared to the rate of XXXX per dollar here in my XXXX bank ( and in the international market ). WOW - so previously, for XXXX dollars, I would get XXXX XXXX but bank of america is giving me XXXX XXXX. That's XXXX XXXX which is XXXX US dollars compared to {$45.00} flat fee that they used to charge and the more I want to transfer the more I would have to pay. 

This is completely non-sense. They are hiding behind the execuse that we can't transfer to this bank in USD because we can not determine the fees, but they don't have any problem transferring in XXXX? The other bank doesn't charge different fees for US Dollars or XXXX so if they can determine what would be the XXXX charges, they are the same for US Dollars so this is a complete non-sense basicaly forcing customers to transfer in local currency so they can make this huge 5 % on the exchange rate.

It's a complete rip-off and we would like your help in making them correct this. I have account in other US banks and they are not forcing the customer to send in local currency. So if other banks have no problem, Bank of america should not have either. We can also consider sending in local currency but they can't give exchange rate of their own choice, even if you go to any other international money transfer company like XXXX XXXX, XXXX, XXXX, you can see that they give you a very competitive rate compares to international market, but Bank of america is ripping it's customers by charging as high as 5 % of the exchange rate and forcing customers to send in local currency.