davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (AL)

I phoned XXXX Credit Reporting Agents starting XX/XX/XXXX when I received an alert from XXXX that someone applied for an credit card in my name on the above date and letting them know it wasn't me. I was talked to very rude and nasty and was told that anyone has the right to pull my credit report if they pleased to offer me credit. I then stated to the reps that I spoke to after calling 30 yes thirty different times back to back which I called from my cell phone which I can prove with the phone recorders. I told them I am a victim of fraud and they have the police report case # XXXX dated XX/XX/XXXX with the XXXX Police Department and my information was exposed with XXXX  Credit Union and my email address is on Dark Web. I did not apply for an account and who ever has, it fraud and I told them I filed a complaint with the Federal Trade Commission Identity Theft. I was then told by XXXX   supervisor 's and reps there was nothing I could do but wait for two years for it to be removed. I replied It wasn't I who tried to get credit and it drop my credit score and that's not fair to me and it was fraud. I continue calling back trying to get help and wasn't able to. All I've received from XXXX  was rudeness talk to nasty with no concern nor caring! I spoke with XXXX who informed me that they sent XXXX  a letter asking them to remove the fraudulent inquiries from my credit report and they still refuse to do so. I spoke with Mrs. XXXX with XXXX fraud department XXXX XX/XX/XXXX at XXXX XXXX
Consumer complaint received 2021-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

I have submitted an insurance draft to Shellpoint mortgage for endorsement over a month and a half ago, still have not received the check endorsed back, every requested document has been sent timely and every time I call I receive the same answer " it is processing '' I have requested to speak to a manager who never took my call. It is a {$35.00} XXXX and I don't understand how lengthy could endorsing a check could be. Please help since I am really frustrated with the lack of response and proffesionalis showed by this company. 
Regards XXXX XXXX XXXX XXXX XXXX XXXX address XXXX XXXX XXXXXXXX XXXX XXXX Fl XXXX loan # XXXX
Consumer complaint received 2023-02-28
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: Century Finance, Inc. (NC)

There are so many unverified and inaccurate information reported on this account. I have requested the proof but until now the company failed to provide. The balance is incorrect wherein there are charges which are unauthorized.
Consumer complaint received 2023-01-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (UT)

JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX Is fraudulently submitted a collection for XXXX on my credit report which is impacting my credit. 

I have no knowledge of this, it just showed up on my credit report.
Consumer complaint received 2023-01-21
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. (MO)

In XXXX of 2021, my husband and I were forced into illegal eviction. We were 15 days past due. Given the eviction moratorium, we would have more than enough time to make up for the late rent and therefore we challenge eviction, and the charges that we're processed. 

The debt in invalid as the landlord processed an illegal eviction and didnt work with us to process any of the federal assistance programs resulting from the pandemic assistance.
Consumer complaint received 2021-09-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (UT)

An over ten year old debt was bought by a XXXX XXXX  XXXX XXXX and now on XX/XX/28 convergent outsourcing has flagged my account for XXXX dollars and my score is minus 49 points. 
Im outraged by this.

Im about to finish two more disputes with XXXX  and XXXX. 
Please help me.
Consumer complaint received 2023-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NY)

Trans world systems INC has been trying to collect a debt dated XXXX for a utility bill belonging to an apartment I have not lived in since XXXX. I have repeatedly disputed the validity with the bureaus and somehow they keep reporting it as accurate. I have attached photos of mailing with the name of the tenants that moved in after me as well as a copy of my lease dated XXXX. I called the company and explained all of this and was told I needed to file a police report for them to fix it. A police report for me to fix something that I have legal proof I am not responsible for? So I have to jump hurdles now for you to fix an obvious error? As if police don't have anything better to do than take a 4 year old report?! Just take the documentation and acknowledge the error and then change what you're reporting. It's as simple as that.
Consumer complaint received 2023-01-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo charged me higher fees and interest for my XXXX series XXXX XXXX. The payment didnt apply to the balance and it leased to higher fees and interest. At the end, the repossessed my car wrongfully. 
It was a $ XXXX car that I lost due to their incorrect charges.
Consumer complaint received 2023-02-20
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. (KS)

I received a credit monitoring alert regarding a collection account on XX/XX/2022. Thought it was a mistake, so I didn't follow up at the time. During a vacation in XX/XX/2022, I was denied the ability to open a charge card. Upon return home, I requested copies of all three consumer credit reports. XXXX was accurate with the exception of one wrong mailing address. XXXX and TransUnion reflected several names, addresses, accounts which were not mine. I notified both of the errors. XXXX corrected the errors on my report. TransUnion corrected some but not all. I filed a dispute after again begin denied the ability to open a new charge card. Data regarding a different person ( not me, and not related to me in any way ) continued to appear on my TransUnion credit report, although the dispute findings continued to reflect " verified as accurate. '' I continued to file disputes with TransUnion, and also notified the credit card company, XXXX regarding three accounts opened that were not mine, but tied to my social security number. These were eventually sold to XXXX XXXX XXXX, and later written off. I also followed up with XXXX XXXX XXXX. The XXXX fraud division eventually confirmed that the three accounts in question belonged to someone else, as did XXXX XXXX XXXX. I again filed a dispute with TransUnion to remove the inaccurate data from my record, which they continue to include as accurate as of XXXX.
Consumer complaint received 2021-09-29
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Hello, I've been reaching out to the Credit bureaus regarding a few late payments they are saying that I was late when I was not. The late payments reporting on my credit report are inaccurate and false. I reviewed my credit report and the days they said I am late are not matching each other., all 3 credit bureaus are noncooperative in getting the proper information and have not shown me any proper investigation and or reports from the creditor showing that my payment was late on the days they alleged I was, I have an outstanding credit history and to improper reporting from this creditor and the 3 credit bureaus, I am suffering financial harm which is due to the negligence of the 3 credit bureaus towards my credit score. 


On my XXXX account # XXXX I was never late XXXX XXXX XXXX # XXXX I was never late XXXX XXXX XXXX XXXX XXXX I was never late, on XXXX  and Equifax stated that i was paying " Exceptional '' but XXXX  has it that I was 1 month late. Which is incorrect and inaccurate XXXX XXXX XXXX. This account was paid in full and never late
Consumer complaint received 2022-11-28
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. (FL)

In XX/XX/2021, I received a charge off on an account that had fraudulent activity. I tried negotiating with the creditors to get it removed from my XXXX and Equifax report by paying because only XXXX removed it due to the fraudulent activity. The creditors said that they will not remove it even when paying it off and with the fraudulent activity on the account ; They will keep reporting it as a charge off. I tried to tell this information to both Equifax and XXXX yet they keep updating the information instead of removing the delinquency. The creditors are asking me to pay off the fraudulent account but they wont remove it from my report.
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

I am a consumer as identified in FDCPA 15 USC 1692a ( 3 ) and I have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Pursuant to 15 USC 1692c ( c ) - notify debt collector in writing to cease and desist all communication. Ive recently reviewed my consumer report and noticed I have multiple authorize inquiries that are not associated with any open accounts on my consumer report. I will have my identity theft report attached to this complaint. Pursuant to FCRA 15 usc 1681 ( a ) ( 1 ) credit reporting agencies The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Pursuant to FCRA 15 usc 1681a ( d ) ( 1 ) The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for. So you should make sure these unauthorized account and inquiries are remove. Pursuant to FCRA 15 usc 1681a ( d ) ( 2 ) ( a ) ( i ) Exclusions from consumer report, report containing information solely as to transactions or experiences between the consumer and the person making the report. FCRA 15 usc 1681a ( d ) ( 2 ) ( b ) Exclusions from consumer report, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I have contacted Equifax every week for the past 2-3 months. I have noticed some unauthorized, unverified inquires on my credit report in XXXX, submitted a FTC report to the bureaus, 4 times for Equifax, and they are refusing to delete the unauthorized inquires. They have failed to verify the inquires and since I have submitted the FTC report numerous of times, they are refusing to adhere to the law.
Consumer complaint received 2021-09-29
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: Southwest Credit Systems, L.P. (ME)

Southwest Credit Systems of XXXX XXXX XXXX # XXXX, XXXX, TX XXXX has fraudulently reported to all three credit bureaus an outstanding balance of {$92.00} with " XXXX '' on account it is showing as " opened '' on XX/XX/2021. 

Initiating communication with this company as well as XXXX has been impossible. This company deliberately puts you on hold and leaves you there without answering any questions. 

I can not even begin to resolve this fraud because it simply state it is with " XXXX, '' a worldwide company. If you try to obtain discovery information from XXXX, they say they no longer have the account and refer you to Southwest Credit Systems. 

It is a willful and deliberate game of chase your tail and is an outrage. I am planning to seek litigation against Southwest and have also preparing to testify before U.S. Congress on a federal bill aimed at such unscrupulous companies. I am also a national news reporter and plan to begin covering the mess these collection agencies have made of people 's credit standing.
Consumer complaint received 2021-09-29
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: SYNCHRONY FINANCIAL (FL)

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. It is over 30 days and I have not received any results.
Consumer complaint received 2021-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (VA)

XXXXdollars were deposited on my account via ATM. I do have a receipt for the deposit. Bank didn't deposit my account. I reached out to the customer representative multiple times but no solution. I have received a letter on XXXX stating my claim has been denied.
Consumer complaint received 2019-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (UT)

Wells Fargo Home # XXXX is reporting an account to my credit that is past the Statute of Limitations in CO. It is really old and needs to be removed and I have been trying to get it taken off for some time now.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

This account was transferred to another collection company and is a duplicate account reporting in error. The reporting agency is reporting paid, and closed. This account is also over the legal time allowed to be reported. want this to PLEASE be removed from my credit report! this account is affecting my credit score and report which is should have been removed. I sent in letters to all 3 credit bureau 's, but the status the collectors are reporting continues to update. I've been trying to contact them as well, but unable to get through. i was told by the other creditors this account is old, and was taken over by department of education which has been paid in full, and closed. its also coming up under XXXX twice which is showing duplicated accounts.
Consumer complaint received 2021-09-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY (NJ)

I made a wire transfer from my XXXX TD bank account to family 's TD bank in XXXX on XX/XX/XXXX. My bank has sent the funds out. I was contacted on XX/XX/XXXX to provide more information, place of birth, place of citizenship and place or current residency which was sent to intermediate bank. But they have not transfered to funds or communicated in any way until now XX/XX/XXXX. They do not reply back to emails my bank is sending them. I need my immediately this is causing alot of damages, financially and otherwise.
Consumer complaint received 2021-09-29
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: Experian Information Solutions Inc. (CA)

This is a complaint against XXXX XXXX. I already disputed an account from them before, under the same name XXXX with account number XXXX and it was deleted from my credit reports under Experian. However, an account wilth the same name XXXX re-appeared in my reports but the account number showing only as XXXX but still closely resembles the first one that was deleted and surely just the same account. I want this to be removed as it is very illegal to add on removed fraudulent accounts. Moreover, I have requested verification of this account. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance or obtain new lines of credit. I've been requesting for validation but had no responses. Our rights under Fair Credit Billing Act of 1974 is not being followed. There is improper billing, my financial information has been shared without my permission, and my rights are being violated. I want this account to be closed or validated. They're willfully neglecting the verifications to purposely cause harm and stress. I have disputed this account for validity it is not been verified & they continue to attempt to take money out of my account and threaten me with legal action which they are willfully not following the law and violating my rights under the fair credit reporting act. I feel I'm being profiled and neglected by these conglomerates for they only demand payment with no evidence of the right to collect. I need assistance in this matter and these companies should be penalized for violating federal law.
Consumer complaint received 2018-11-05
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AES/PHEAA (IL)

I submitted an application for a loan discharge and was denied. I Received documents stating that I withdrew from XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, NY XXXX on XX/XX/1989. As I stated I never lived in NY or attended a school by the name of XXXX  XXXX XXXX in NY. The school I did attend was a free program and closed while I was attending. I requested for any and all documents pertaining to this loan under the FOIA and received 110 pages including a borrower 's rights letter and 1 page from a promissory note. Copies of this voided promissory note were sent to CFPB account numbers XXXX-XXXX, XXXX- XXXX and XXXX-XXXX. Also, Ms. XXXX XXXX from the State of IL. Attorney General Office file number XXXX and the credit bureaus. By law, a promissory note is voided if it has been altered or incorrectly written. This Promissory note does not contains all the legal detail which must include interest rate, the full amount of the loan, and payment frequency. In this Promissory note, theres only section E and F and state about a page 4, the other pages that state paragraph 1 through 17 have been added also, the pages are not number. I disputed with the credit bureau and it has been removed
Consumer complaint received 2021-09-29
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (TX)

Around XX/XX/2021 I logged into my account and found that it erroneously reflected that it 90+ days past due. I immediately reached out to the finance company in an effort to get this corrected. I was informed that they had recently undergone a system update which caused multiple accounts to reflect incorrect information. I was assured that this would be resolved with out any affect on my credit. Approximately a week and a half later I received a credit monitoring alert informing me that the account has reported delinquent. i have followed up multiple times both via phone and email. I was repeatedly assured that this was THEIR ERROR and would be fixed. I have not heard from Regional Acceptance. Any communication was initiated by me.I was told by someone who identified himself as a collections manager that if I would file a dispute with the credit bureau, they would see that the information was corrected. I filed a dispute and at the end of the investigation the dispute result reflected no change. They have finally corrected the issue in there system but the erroneous credit report still remains unresolved.