davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-10
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. (FL)

I have a fraudulent account appearing on my Experian credit report # XXXX. 
This item is an auto loan that i did not open here are the details on the item. 
Account : XXXX XXXX XXXX Account # XXXX I did not open this account this item is fraudulent and i submitted the proper reports to the FTC # XXXX and have attached said report. My information was included in the breach of data with XXXX and i believe this is the aftermath of that. I contacted the authorities and they could not help. Soon after i contacted the FTC and they could not help. I have attached a copy of my credit report and ID theft report. Please help me with this.
Consumer complaint received 2023-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (PA)

My home 's value was re-assessed in XX/XX/2021 which raised my property taxes. Once I received notice that my taxes would go up, I immediately went to my United Wholesale Mortgage XXXX XXXX to ask an agent what actions I would need to take to make sure my property taxes were taken care of. The agent told me that there was nothing I needed to do and XXXX would take care of it and my new monthly payment would include the new property taxes. 

After months, I started receiving delinquent bills from my taxing bodies ( City, School ). I contacted XXXX and again, they told me no further action was needed on my end. I continued to receive delinquent notices from Collections agencies and they told me they would put a lien on my home. After all the misinformation, I eventually ended up having to pay the taxing bodies myself. This resulted in XXXX of dollars of penalty fees. 

I have images of the agent chats I had with United Wholesale Mortgage. I understand it may have been a mistake on the agent 's part, but it was deceptive to me and resulted in XXXX of dollars in fees that I paid based on incorrect information provided to me.
Consumer complaint received 2021-12-14
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. (TN)

I have been involved in a number of data breaches and security issues that have previously been reported. I have reported the issues to the follow companies and including a bankruptcy. XXXX XXXX agencies are reporting data incorrectly after being notified. 
XXXX XXXX and XXXX Not XXXX XXXX XXXX XXXX XXXX XXXX Comenity BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX mine XXXX XXXX XXXX account number
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to express my deep concern and dissatisfaction with the recent update to my credit report, which I have thoroughly reviewed. Despite receiving an updated copy, I was surprised to discover persistent error and inaccuracy. This situation is particularly troubling for me, as I am currently facing challenges in securing a new line of credit.
Consumer complaint received 2023-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC. (TX)

I literally have no knowledge of this card. I never received anything in the mail. I never applied for it. They reported that I made two payments and then stopped but how can I make payments on something I never knew I had? It says I opened the account back in XXXX. I was applying for mortgages around that time and some of the companies ran my information outside of the ten day window so I really didnt notice the inquiry until the harassing phone calls started and now my credit being hit.
Consumer complaint received 2021-12-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have sent letters to XXXX and Transunion about these false-negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX XXXX is the company that is reporting this to XXXX and Transunion. They removed it on XXXX but they were not able to remove it on XXXX and TransUnion. This report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under XXXX U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX  Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

Long story short. I had money in the account and i travel often and I like to use my card while in the road and not carry cash. On more than one occasion, I would say at least 5 occasions. I was in XXXX  and when I went to pull out money my account was frozen. I was not score to pay for my hotel. Ended up sleeping in my car. I had no gas and I had no food. Usually this feel at night or in a weekend and I would have to wait until the following Monday or the next day. I then stopped putting money in the account and would just use it to pay my bills. So I had auto deposit which was a mistake. They charged me fees which made my bills bounce and ultimately I lost my vehicle. It was towed in XXXX. Where they froze my account AGAIN! So my car ended up being impounded. I wasnt able to take out my car until I paid it in full, {$6000.00} I DEFINITELY couldnt access even if I had it. They caused me to make late payments, sleep in my car, XXXX XXXX, no gas. Every time was when I was in XXXX. They ultimately closed my account without my knowledge, and the reason? Because I hadnt deposited funds for I think a few months. It was when XXXX first hit and I got and wasnt making any money. I complained, I filled a complaint and they sent me their policy in an email and that was it. The banker is the one that understood and sent the complaint herself! They cost me ALOT OF anxiety, stress, hunger, loss of vehicle i under up losing my storage and being in everything. They took skit off over draft fees they definitely were to blame for but never ever paid me a XXXX! I was going to sue but I figured Id be wasting my time! XXXX just me and they are a bank you know! So good for you guys for helping! Thank you
Consumer complaint received 2023-01-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2022 I deposited a check for the app in the amount of {$610.00}. I received a notice that a hold has to be placed because the check needs to be verified in detail. I called a representative and was told that the date number on the check was not current, I called the work agency and was told that the check was just written, that the date was current, I verified and indeed the date was current. The bank said they were going to verify and said no more. The deposit took about 2 weeks to clear.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2021-08-30
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. (GA)

On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) reporting inquiries without my authorization or permissible purpose. I am in distress and this matter has affected me from getting access to different forms of credit which is needed during these time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2019-12-19
Product: Debt collection — Mortgage debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CITIBANK, N.A. (VA)

I have been called Incessantly by Citi-Financial and its subsidiaries for Years ( since 2010 ), they have called my Mother, Grandmother and Step-Father and discussed amounts and debt type with them. This is unethical and Embarrassing. I have spoken to others that have had the same thing happen to them.
Consumer complaint received 2019-12-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (AL)

Loan was bought by caliber hone loans. This is a company I inquired about a loan but decided not to do business with. They bought my home loan from my bank. I have no idea how or where to pay. There is Zero customer service and its impossible to talk to a human. This is terrible. One, I demand they sell my loan elsewhere where I can at a minimum talk to a human and know how/where to even make a payment. I dislike this company so much that I might sell my home, even at a loss, to get away from. How can you buy a loan, give no information on how to pay, and have no human you can talk to. Even if this is straightened out, they no ability to talk to anyone if there is a problem or even a question
Consumer complaint received 2019-12-19
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (SC)

I had a private student loan with the company Navient, formerly Sallie Mae. I was in college and my loan was in deferment. On the DAY I graduated, they sent my loan to collections. I had NO correspondence. I had called them and mailed them my change of address SEVERAL times in addition to them having my family members contact info as well. My loan was originally for {$15000.00} and now they are claiming that I owe {$41000.00} and they sent the loan to collections. I was paying the collection agency {$200.00} a month starting in XX/XX/2017, after paying on it for over 6 months, I realized that EACH MONTH Navient was still reporting on me for missing payments even though my account had been charged off from them and was supposedly closed. This has hurt my credit, tarnished my record and I am at my wits end. I have reached out to them several times, I've filed complaints, disputed the account, and each time I've been given the run around.
Consumer complaint received 2019-02-08
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 — Problem with personal statement of dispute
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CT)

I am a co-lesse for my wife 's car. The due date for this account is the XXXX of each month. We normally pay via website. On XX/XX/XXXX, my wife made a partial payment. On XX/XX/XXXX, we experienced a power outage due to severe weather. She attempted to make the rest of the payment and thought it went through via cellphone data. On XX/XX/XXXX, the payment was registered as 30 days late and reflected on my credit report. I was alerted via a credit monitoring agency. I contacted the creditor. They acknowledged that the payment was now posted on XX/XX/XXXX. We surmise that the remnant payment did not go through due to the WiFi failure during the storm on XX/XX/XXXX. They offered to restore it to " Current '' with the credit bureaus. As a precaution I also filed disputes. On XXXX, the dispute results came back " Current, was 30 days late ''. This registers as derogatory. On XXXX, I called the creditor and spoke with a supervisor. She said that their information is accurate and can not be removed. I asked to speak with manager or director. She said that her level is the last word. We've been longtime customers with a perfect payment history. There should be another review. Also they noted the full payment as late, even though part was paid on XX/XX/XXXX. Their information is not accurate as they claim.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (NJ)

This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The AMEX XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 

AMEX XXXX
Consumer complaint received 2019-02-08
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. (GA)

I recently checked my credit report for the first time in a while and i notice items on my credit report that i didn't agree to. I would like these items removed immediately. They are not mine. XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX AT 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 A XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX/UXXXX XXXX XXXX   XXXX XXXX. I am doing this own my own behalf and have contacted my police and the FTC.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NC)

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent. This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Consumer complaint received 2023-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX  Account Number : XXXX ] ' XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/23 ; XX/XX/23 ; XX/XX/23 - every month I have sent in requests of the investigations and proof regarding the inaccurate information reporting on my credit and continuously receive no response. While information stays reporting incorrect, unknown, and unverified.
Consumer complaint received 2019-12-19
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Onity Group Inc. (MO)

My home mortgage went into forbearance and was assumed by Ocwen on XXXX and then PHH on XX/XX/XXXX My mortgage went into forbearance and was assumed by Ocwen on XXXX and I struggled making payments from that time until XXXX. I began making timely payments by making payments before they were due usually at the end of the previous month. On XX/XX/XXXX, I received notice that Ocwen had sold the remaining debt to PHH a subsidiary of Ocwen and that for the transfer period of 60 days no payments would be considered late. On or about XX/XX/XXXX PHH alleged I missed XX/XX/XXXX payment, when I proved it was paid, they then claimed I missed XX/XX/XXXX payment, I have evidence proving that the payment was made to Ocwen for the months of XXXX and XX/XX/XXXX. On or about XX/XX/XXXX PHH then alleged I missed XX/XX/XXXX payment, I said I have proof I paid that the end of XX/XX/XXXX. Then on XX/XX/XXXX PHH alleged I missed XXXX payment, at that point I demanded a through payment history and found the PHH started my account in XX/XX/XXXX instead of XXXX making me a month behind although they have been paid. In the payment history on XX/XX/XXXX PHH charges me for seven ( 7 ) Certified Mail fees totalling {$37.00}, Attorney and Collection Fee 's in the total amount of {$660.00}, Bankruptcy Expense {$150.00}, Stipulation Setup {$200.00}, Foreclosure Costs {$2600.00}, Property Valuation {$450.00}, Title Report {$450.00}, Property Inspection {$36.00}, Certified Mail Cost {$4.00}, and Late Charge {$690.00}, totalling {$5200.00} all of that in just the first 30 days. PHH in essence refinanced the loan without my knowledge or consent. The house was never included in any bankruptcy proceedings so the bankruptcy fee 's are fabricated. There was never any inspections conducted and certainly no certified mail received from PHH ( in fact PHH was unable to provide a single USPS Tracking number ), I was unaware of any Attorney & Collections Fee 's that I  agreed to pay. As of XX/XX/XXXX PHH is refusing to allow me to make a payment online.
Consumer complaint received 2023-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hello, To whom it may concern, I was a victim of identify theft and I found out in XX/XX/XXXX. There were three inquiries that were made and some credit cards were closed. The following are the inquriries that are still showing up on my credit reports as of today : XXXX. XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was advised by the Transunion Bureau to contact the banks for the inquiries listed above so that they can contact the bureaus. I spoke to XXXX XXXX XX/XX/XXXX and they advised me that they have previously sent a letter to the bureaus to let them know this account was fraud months ago. As of now, the inquiry was never removed. XXXX XXXX XXXX was a company that had an open line of credit which has since been removed. So why did the account get removed but not the inquiry? 

For XXXX XXXX, I spoke to them on XX/XX/XXXX and they advised me that the inquiry should fall off from the credit report as of next month because they had failed to successfully closed the account that I had fraud on. 

Lastly, XXXX XXXX XXXX XXXX XXXX was a company I called and they told me that they do not have my social security on file and that I should reach out to XXXX to have this removed which I already did but they have failed to do so. I submitted a dispute and they have failed to solve my problem.
Consumer complaint received 2019-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been in the care of my fiance ' for over 12 years in which I have been well cared for and did not have to want for aqnything notr had I any need for credit as he provided everything for me upon his insistence. My fiance ' recently died and I have been in need of housing for myseklf, so I have checked my credit with a monitoring service and have found out that my credit has been used for someone to obtain various services and products. I have files various fraud affidavits with local police, FTC, and other credit service provided to putan end to this fraudulent use of my personal information.