davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUSTMARK CORPORATION (MS)

I would like to take this opportunity to address ongoing incidents that have left me scarred and disappointed with Trustmark and its management ; to include the manner they handle minority populations both ethnic and gender. One incident in particular that made me personally uncomfortable on my last visit to Trustmark 's office location on XXXX. 

During this process, I have not only been made to feel physically threatened, but I have been made to feel like I am a liar and a crook. Ive been told that my due to me amending my taxes per XXXX XXXX statement, the underwriter will think I am engaging in fraudulent activity. I am not a crook nor do I conduct myself in such a manner that one may infer that I am. I did have to amend my taxes, but that is not fraudulent nor illegal. This is an exercise recognized by US tax code. My CPA was not up for the task of filing complicated returns and I am not a tax professional, so corrections needed to be made. However the real question is why did my taxes meet the standards for the IRS but not the standards for Trustmark!? Mind you, Trustmark is a financial institution not an organization responsible for determining tax code ( tax return ) standards. 

The only conclusion I can make is race, gender bias and unfair lending practices. 

I would like to reiterate I applied for this HELOC around XX/XX/XXXX and I was strung along for nearly a year ( Trustmark gave me deadlines to submit documentation, but took extended time to review information & supply decisions ) & made to supply several documents throughout XX/XX/XXXX through XX/XX/XXXX that were accepted by Trustmark. I was given multiple approvals/interest lock in agreements with closing dates, only to be told after the loan closing expiration date, that I needed to supply more documents to close.
Consumer complaint received 2022-11-14
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: Experian Information Solutions Inc. (FL)

experian, XXXX, and XXXX  all have reports of collection accounts my son took out and has it under my name as we share the same name. These are not my accounts and were taken out fraudelently
Consumer complaint received 2015-04-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (TX)

At approximately XXXX on XXXX XXXX I went to my local Wells Fargo branch in XXXX TX ( located at XXXX XXXX and XXXX ) to obtain a XXXX Signature for an asset transfer form. This was the third time over a several week period that I had visited this branch for service but had been told no one was available. As such, I decided to close out my checking account. I demanded that I receive cash from the account but I was told they do not keep cash on hand to fulfill such requests. When I demanded it again I was told by the clerk that " that 's enough money to get XXXX over ''. They refused to fulfill my demand.
Consumer complaint received 2023-03-27
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: Experian Information Solutions Inc. (IL)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX Balance : {$3700.00} ; XXXX XXXX XXXX Balance : {$6300.00}.
Consumer complaint received 2019-09-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TLP Mortgage Advisors, LLC (TX)

Dear Lending Partners ... how can I forget you all! You guys were my first mortgage loan servicer for the FHA loan when I first bought my house. I have been extremely happy by the service you provided me. I would like to report to you joyfully the following : 1. In XX/XX/XXXX you serviced an FHA mortgage loan where you claimed a loan number to be XXXX. 
According to my credit hostory report it was a XXXX XXXX loan with no mentioning of payment amount. 
According to the home insurance company it was a XXXX loan with the account number XXXX XXXX. According to your closing statement, the escrow was paid from the loan you serviced. 
The other report is showing that you did not pay any escrow from the loan you serviced at all! 

3. You executed a HUD 1 Settlement statement that says that I have authorized you with the holy responsibility of getting another XXXX XXXX loan for the future and also a XXXX FHA loan to refinance your loan after that! 

4. You fraudulently executed a lien release in conspiracy with XXXX XXXX saying that I paid off your deed of trust and then XXXX XXXX Fraudulently transferred my title for that. The executed a fraudulent deed in lieu of foreclosure for that in XX/XX/XXXX and stole the title!! 

5. How could you, o my dear lending partner, let XXXX XXXX take my title and let them satisfy their eternal hunger for Mortgage Backed Security!!! 

6. What damage did I cause you, O dear lending partner, that you destroyed my title record and did all these mortgage fraud!!!! 

7. I am trying to find out how many lawsuits now I should file against your company O dear lending partners. 

Before you meet us with the other buddy XXXX XXXX ... .do you have any last minute well wishing for me? 

Please let me know ... ..
Consumer complaint received 2023-03-27
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: EQUIFAX, INC. (TX)

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 : XXXXXXXX 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 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 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 2019-02-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (NE)

looked at my credit report found XXXX XXXX XXXX XXXX XXXX XXXX. I never have had a card or banked with them. No letter has been sent nor inquire has been made to see if this debt is actually mine. There is no information on this account as well such as account number ect.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2023-04-07
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. (MD)

I have a Federal Student Loan Balance under {$4000.00}. I submitted applications for federal student loan forgiveness as well as, public service student loan forgiveness. While the Biden Administration works out those details, student loan payments and interest have been paused. XXXX has harassed me with phone calls and reported my account 90 days delinquent to the credit bureaus. This has dropped my credit score over 100 points. I am in the middle of a home repair. This fraudulent behavior is costing me and my family money.
Consumer complaint received 2023-03-27
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: EQUIFAX, INC. (SC)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$24000.00} XXXX XXXX Balance : {$24000.00}
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (CA)

My XXXX XXXX credit card was stolen from my car, and was used to purchase the following, resulting in a XXXX point drop on my credit report, and has the potential to damage my credit further : - XX/XX/23 : Fraudulent Purchase at XXXX XXXX XXXX in XXXX, CA {$26.00} - XX/XX/23 : Fraudulent Purchase at XXXX XXXX XXXX XXXX, CA {$270.00} I have already reported the card stolen to Comenity Capital BankXXXX XXXX the account was closed, and unauthorized charges were reported, documented, and are currently under investigation. 

I was told I will receive a letter in the mail with the results of the investigation, once completed. 

I will also reopen my previous police report from the day my card was stolen, and see if they can check the cameras in the above stores to try and catch the person who did this.
Consumer complaint received 2023-03-27
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. (NV)

IMPORTANT : I have recently looked at my credit report & noticed that there's numerous fraudulent accounts. I have contacted Trans union over 40 days ago. I also placed a police report and FTC affidavit all by XX/XX/2023. Trans union have only responded back stating that they are only going to place a block on my credit report but they did not remove the fraudulent accounts. This have been a disregard of federal laws not responded of an investigation in 40 days. This have negatively impacted my credit and life. Please remove following accounts XXXX XXXX XXXX ACCT # XXXX XXXXXXXX XXXXACCT # XXXX XXXX XXXXXXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXXACCT # XXXX XXXX XXXX XXXXACCT # XXXX
Consumer complaint received 2022-07-26
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. (NY)

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date XX/XX/2022, XXXX XXXX XXXX XXXX TransUnion has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXX I believe it was reporting in error.
Consumer complaint received 2018-05-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AGORA NOTUS, LLC (GA)

I got a loan on my title through complete cash, ive been experiencing where when I pay on the loan It would go down on the total amount due then it would go back up '' they are charging very high interest on this loan, I feel like I can't get ahead and this place is very crooked, ive seen where when I make a payment it would go down but next time it goes back up causing me where I can't get it paid, I want something done about this, I found that title places can not charge high of interest, I want this investigated, this place is charging so high of interest you can not afford to pay your title out nothing seems to go towards my balance to lower it, I think complete cash is a scam, they got it where I got to pay this loan back in 6 months I borrowed XXXX they want me to pay back XXXX dollars, under the law you can't be charged 30 percent interest. They are charging way more than that I want my title back this place put under investigation, they had did my step dad the same way and now I am please help I will file with other agencies, I sent a copy of my title pawn interest form, I will also send this to the attorney general and FTC,
Consumer complaint received 2017-07-20
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. (NE)

In XX/XX/XXXX an alleged debt originated with XXXX XXXX was reported by XXXX XXXX. I demanded validation because I knew the debt was either too old to be my debt or it simply was n't my account. I have not authorized any utilities in my name since I married my wife. Those types of accounts always go in her name. XXXX XXXX did not validate the account they removed the account from my credit report because they lacked the evidence to support their claim. Now XXXX XXXX has purchased the same debt and is reporting the open date as XX/XX/XXXX. I did not authorize the account and on top of that they are intentionally reporting the unauthorized debt as a much newer account than what it actually is.I have included a copy of my old credit report to prove at a minimum the account opening date is invalid. XXXX XXXX needs to validate this debt prior to continuing its collection efforts. Additionally, XXXX has re-added this negative information although the previous owner has failed to provide any form of debt validation after being requested. Finally, I have filed an identity theft report to report this theft. .As stated previously, I did not authorize the opening of the account which is why I demanded validation of the debt in the first place.
Consumer complaint received 2022-07-26
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: WELLS FARGO & COMPANY (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : WELLS FARGO CARD SER XXXX
Consumer complaint received 2021-07-22
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: Credit Systems International, Inc. (TX)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX ... CREDIT SYSTEMS INTL IN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2020-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (TX)

I have a FICO credit score of XXXX. I hardly have 6 % of the debt compared to my credit limits ( across all the credit cards ). I have already paid off the Wells Fargo mortgage 100 % within 1.5 years. Still when i applied for the wells Fargo credit card - i was denied with some weird reasons.
Consumer complaint received 2022-07-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (PA)

I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity theft, I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my report or I shall proceed with involving my attorney!
Consumer complaint received 2023-03-27
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: Experian Information Solutions Inc. (CT)

I am a regular human being and I am finding that the credit bureaus and credit cards are not upholding their end of agreements of deleting records of settled debt and chargeoffs and also sharing my credit score and personal information about with companies I did not approve of and also unfair practices which makes the scores vary wildly from credit bureau to credit bureau and as a result I can only get loans with very hight interest rates and I DO NOT consent nor did I ever consent to any of these companies sharing my personal information from the past or the present with anyone else. I also have accounts where I asked for accounts to be closed and theyre reporting as derogatory. 

XXXX XXXX XXXX XXXXXX/XX/XXXX was paid in settlement and was supposed to be delated from my credit report history ( all personal information related to the history and transactions ) and my payment history is still there even though it was supposed to be deleted. 

XXXX XXXX was paid in settlement XX/XX/XXXX and the record of all the payments and the history of my transactions were supposed to be completely deleted ( all personal information related to the history and transactions ) from my credit reports and they were not. 

XXXX XXXX XX/XX/XXXX was paid off in a settlement and also written off and all was supposed to be deleted from my credit reports ( all personal information related to the history and transactions ) and never was. 

XXXX XXXX XX/XX/XXXX was paid off in a settlement and this was supposed to be deleted completely from my credit reports ( all personal information related to the history and transactions ) as well and it never was. 

XXXX XXXX XXXX XX/XX/XXXX was paid off in a settlement and this was supposed to be also immediately deleted from my credit reports ( all personal information related to the history and transactions ) and never was. 

XXXX XXXX XXXX {$5200.00} last reported balance has been reporting incorrectly. My payments have been on auto pay for 3 years and they randomly mark them as paid late even though they are paid automatically out of my bank account every month on time. 

XXXX XXXX XXXX XXXX XXXX off XX/XX/XXXX {$3100.00} and It was again supposed to be deleted with all transactional history and it was not. 

All of this information is messing up my credit rating and it was promised to me that it would be deleted once I paid off the settlements. Nothing was deleted. The credit bureaus dont care and aren't listening and just dont care.
Consumer complaint received 2022-12-01
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: Experian Information Solutions Inc. (NM)

I recently received a copy of my Experian, credit report, and I noticed some late payments posted on my credit report : XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC $ 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the wntten instructons or the consumer to whom it relates Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC {$1600.00} ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 16815-3 of this title, any- ( i report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above account from my consumer report, this agency is in violation of 15 USC 91681.
Consumer complaint received 2023-02-10
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 (TX)

On XXXX XXXX2023, I received a call from this company. I told the guy to cease and desist all communication and he attempted not once, not twice but three times to keep talking. My next step is to file an UDAAP and FDCPA lawsuit for harassment. I do not want any calls or letters from this company. CEASE AND DESIST!!