davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-26
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. (NY)

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have disputed several erroneous items on my credit report both online as well as via US mail, however XXXX  maintains that they will not duplicate an investigation if you have previously disputed these items, however they are wrong and I should not be penalized as a consumer to have erroneous information stay on my credit report because XXXX refuses to re-investigate. Additionally, they do not provide a way for consumers to dispute unauthorized inquiries on their own credit report.
Consumer complaint received 2021-01-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

I refinanced my mortgage with XXXX in XX/XX/XXXX in order to take advantage of a lower interest rate and to lower my payment. My new mortgage payment was $ XXXX/month. This XX/XX/XXXX my mortgage payment unexpectedly increased to {$2300.00}. I contacted the person at XXXX that I used for my refinance and was told that I would need to contact Nationstar as they were the servicer of the loan. After multiple phone calls I was able to find out that the escrow account was either underestimated, or not estimated and accounted for at all, when my refinance was processed. 
This led to me having an escrow shortage of - {$4000.00} going into XXXX. 
Due to negligence or carelessness of the company, my mortgage payment has now increased 19 % to an amount that is considerably more than it was prior to my refinance. 

Nationstar has given me the option to make a one time payment for the full the amount of the shortage, or to spread it out over the year.
Consumer complaint received 2019-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have contacted XXXX, XXXX and Transunion separately more than once to resolve this issue. They have all ignore ma and sent an updated report with updated account on it but have never given me a source of where the account is coming from. No names, dates or employee information on how this is being provided to be on my report. 

I also did notify XXXX XXXX and never received much information only said that is mine FTC COMPLAINT XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of
Consumer complaint received 2019-07-14
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. (TX)

I have contacted Experian, XXXX and XXXX   separately more than once to resolve this issue. They have all ignore ma and sent an updated report with updated account on it but have never given me a source of where the account is coming from. No names, dates or employee information on how this is being provided to be on my report. 

I also did notify XXXX XXXX and never received much information only said that is mine FTC COMPLAINT XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of
Consumer complaint received 2018-09-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (AL)

I was told by my lender that I refinanced by loan in XX/XX/2006 but that is not true. My payments continue to increase and my balance is not decreasing. I am not going to own my home if they do not fix the problem. My principal balance is too high for a home I have been paying on for over 15 years.
Consumer complaint received 2019-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I have disputed several erroneous items on my credit report both online as well as via US mail, however Experian maintains that they will not duplicate an investigation if you have previously disputed these items, however they are wrong and I should not be penalized as a consumer to have erroneous information stay on my credit report because Experian refuses to re-investigate. Additionally, they do not provide a way for consumers to dispute unauthorized inquiries on their own credit report.
Consumer complaint received 2019-07-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

I have a VA loan that is current with Wells Fargo, over the past 10 years of so, they repeatedly have informed me that my escrow account was short, I have paid any shortages as well as put extra moneys into the escrow account for any future increases on property taxes, insurances increase for my impound account, yet Wells Fargo has increased my payments repeatedly, and I have had several calls with them to try and keep my payments at the same level, I have put in more then enough extra money in the escrow account to satisfy any increase, and just this last week, I was sent a letter by Wells Fargo that I can no longer put any additional funds into my escorw account to keep my payment at the current payment schedule, I have spoken with several other lenders and none of them have told me that this is the law or is required. I believe Wells Fargo has increased my payments even though I have paid shortages and put in funds into my escrow account for any future tax or insurance increases. I do not think Wells Fargo is acting in a Honest, fair manner and to tell a loan payer that they can not put money into their escrow account to cover any potential increases, that the borrowor is subject to yearly increases to my monthly payment is wrong and not in my VA contract for my loan. I have called Wells Fargo on this, asked them what law that allows them to do this or explain what law prevents me from putting any extract funds in my escrow account ... they could not provide my any, I hope CPFB can help me resolve this,
Consumer complaint received 2022-08-28
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: Experian Information Solutions Inc. (NJ)

the account XXXX for XXXX is unknown to me, also the the account XXXX XXXX XXXX is clear violation of 104-91 HIPPA since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due. In addition the new XXXX XXXX XXXX states : when patients pay out of pocket in full, they can instruct their provider to refrain from sharing information. This letter serves as that instruction.
Consumer complaint received 2019-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have accounts reporting on my report that do not belong to me. I have tried to get them to remove it but they will not. 

- XXXX XXXX - {$10000.00} - Opened XX/XX/2019 XX/XX/2019
Consumer complaint received 2019-01-04
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: SYNCHRONY FINANCIAL (TN)

I apply at XXXX XXXX for a XXXX XXXX  XXXX. I added my mother as a authorized user in case she needed a repair .Ive had the card for 3yrs and never missed a payment and paid off early and asked them to keep the card open and they agreed. Then 2 weeks later I receive a email from XXXX XXXX that the account was closed. I called them and said that I wanted it left open. They sent me out another card for the inconvenience which wasn't activated due to company closing that one. 

I called back and they said it was closed for fraud, however in the meantime, I started paying off a few more accounts linked to this bank and as soon as I paid them off they close them as well. 

They verified that I opened them in my name with my info and I never missed a payment and there wasn't a issue for over 3 yrs and now they are trying to close them all. They said they received a email from XXXX  concerning my mom and it say to notify my sister to handle all of my moms credit stuff which she hasn't been around our family until our Dad pass away. And this isn't my Moms account, its mine, she was just a authorized user on MY account. My moms memory isn't the best and se has early stages of XXXX as well. 

They just transfer me to the Fraud Dept and that Dept. will not tell me whats going on. 

I have been upfront about everything, if I'm a fraud victim, I have the right to know, instead of being treated like a criminal. If its about my mom being on there, that's not fraud. I just added her in case she needed a way to get a tire fixed and I would take care of it instead of her paying. 

It was my info that was used to open this account. My mom was added as a authorized user with her name only. 

For 3 years, I check my balance and pay my bill by calling in using my SSN # and birthdate to pay and check my balance. Until someone tells me the truth, I will not pay them another dime until I speak to someone and find out the truth.
Consumer complaint received 2022-08-28
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: Experian Information Solutions Inc. (TX)

This complaint is regarding Experian 's inability to effectively dispute a item on my credit report that is being reported by XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX sold my debt to XXXX XXXX XXXX XXXX XXXX, who agreed to remove the item from my credit report after I paid 50 % of the debt. I paid 50 % of the debt in two automated installments but XXXX did not removed the item off of my credit. Instead, they updated my account to {$0.00} owed and partially paid off, which was updated by Experian twice within the last 7 days. 

This seems like double jeopardy. XXXX sold the debt to XXXX XXXX but is still actively holding the credit item on my account. XXXX XXXX agreed to remove the item of I partially paid, and I did. Now, I feel like I was either manipulate by this company, which seems very unethical, or XXXX is being allowed to sell the debt but refuse to comply with the agreement. I will attached a copy of the agreement and a screen shot of the {$0.00} balance reflected on my credit report. 

In this case, who is the legal owner now? XXXX or XXXX XXXX. XXXX must comply with the terms that were made after they sold the debt.
Consumer complaint received 2023-07-05
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. (AL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm 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 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-01-04
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. (CA)

I am a victim of identity theft. My personal information was compromised and a fraudulent charge was included on my account without my consent or authorization. 
I sent this company my dispute letter on XX/XX/XXXX18 with a detail explanation on the above mention case. I even attached the following documents as proof for their smooth investigation on this matter : 1.Identity Theft Report 2.Proof of identity 3. Section 605B of the Fair Credit Reporting Act But to my surprise, this company still kept reporting this fraudulent account. This letter is a written proof of my intent to resolve this matter and have the fraudulent account expunged from my report before pursuing legal action.

For yet one last time, the following account had a fraudulent charge : XXXX XXXX XXXX ACC # XXXX, Date Opened XX/XX/ 2018, Original Balance {$280.00} I have attached herewith the letter I sent to this company and my identity theft report for reference.
Consumer complaint received 2020-09-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to ... promptly delete all information which can not be verified. that i have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2019-01-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (CO)

on XX/XX/2018 I handed a check for {$400.00} to the lady working in the office at XXXX XXXX XXXX to cover my Husbands storage unit for the month that was late and 1 month in advance. I left and while driving home about 5 minutes later I called the lady and asked her to not run the check and I would bring her the cash of {$400.00} becauseI didn't want the check to bounce. She said okay and I brought the cash. She told me she DID NOT RUN the check when she took my cash. She handed me my check back and I ripped it up. A few days later my bank let me know I was overdrawn due to the payment that cleared to the storage company. I filed a dispute and requested they cancel the payment since I had paid with cash. They told me it would beep to 10 days until they resolve the issue. Well, a few times a week someone from Wells Fargo would call me asking for funds to put in my account, I kept telling them there is a dispute going on and they all said okay we'll work on it.. NO ONE EVER SAID THEY COULD NOT STOP THE PAYMENT. Later I find out that the lady that ran my check actually did an electronic check, which that alone was fraudulent of her for several reasons. I told her not to run the check, she told me she did not run the check. Moving on ... here we are in XXXX and now my bank account has been closed, the storage is claiming they never ran the check and are threatening to auction the storage due to non payment. No-one will help me and I have givin the storage my bank statement PROVING they took my money. They keep denying it. I am outside of 60 days now but have been constantly contacting both the bank and the storage company trying to get this resolved. My bank has sent me to collections already and I don't know what else to do. Also, when the bank notified me my account was closed it said I can still access my statements for 90 days. I tried to get my statements proving the check was cashed and haha I had no such access to ANY bank information. The storage people ( 3 ladies ) call me daily asking for money, its harrassment. The lady that took my check and cash knows what she did and still had the nerve to call me! 

Wells Fargo XXXX XXXX XXXX
Consumer complaint received 2022-08-28
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: Experian Information Solutions Inc. (TX)

By the fair credit reporting, XXXX XXXX XXXX, with the original creditor being XXXX bank incorporation, and XXXX have violated my rights. Both of these accounts are not my accounts. 

15 USC 1681 section 602 states I have the right to privacy and the right to fair and accurate credit reporting.

15 USC 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account number under an open-end consumer credit plan as a late for any purpose.
Consumer complaint received 2022-07-11
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: EQUIFAX, INC. (PA)

i went to dealer told me they was only going to XXXX end getting a lot of inquires XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX
Consumer complaint received 2019-07-14
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 — Problem with personal statement of dispute
Company: Simon's Agency, Inc. (NJ)

on my XXXX report i have an item in collection from simon 's agency inc for {$200.00}, the date opened is unclear ( approx 5 years ). i have asked this agency numerous times to supply me with a original contract signed by me with their agency for a few years now and still i have not received this document. i dispute this item with XXXX numerous times and they keep stating the item was verified by simon 's. i disputed this item again in XXXX and received the results today XXXX XXXX from XXXX and again they stated simon 's verified this information is correct by me contacting XXXX by phone. i asked the first equifax representative XXXX ( id # XXXX ) if she could supply me with the documentation simon 's supplied XXXX to prove this item belonged to me, fcra states all items on a person 's credit report is supposed to be verified by the cra by an original signed document from the company. XXXX stated she could not supply this information, only the outcome of the dispute. i again asked how did XXXX verify the information and she stated she didn't know. i asked for a supervisor or an american representative. i was transferred to an american representative XXXX ( id # XXXX ) and asked for the same information i asked the previous representative. she stated she couldn't give me any information how XXXX verified the account with simon 's or who i could contact to get a copy of the information ( original signed contract ) simon 's sent to verify my dispute. i than informed this representative it is against the law to put unverified information on my credit report and i would like it removed. she stated she couldn't help me and i was going to file a report. i also explained that because of the false information the cra could be sued.
Consumer complaint received 2021-08-17
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: EQUIFAX, INC. (CT)

I sent verification letters to all three bureaus and never received a response. The original letters were dated XX/XX/2021. Today is XX/XX/2021. This far exceeds any 30-45- or 60 day window the bureaus could have. The FCRA Clearly States that if the disputes are not addressed in a timely fashion ( typically 30 days ) the inaccurate items must be removed.

Please instruct the bureaus to remove the accounts at once based on the laws. Particularly FCRA 15 US Code 1681i. It's unfair practice and hurting my ability to lead a normal life.
Consumer complaint received 2022-08-28
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

I checked my personal credit report, which I acquired from XXXX, XXXX XXXX, and XXXX XX/XX/2022 and I noticed Multiple unauthorized credit inquiries had been made. Under the XXXX XXXX XXXX Reform and Consumer Protection Act, I Have the authority to take action against institutions engaging in unfair, deceptive, or abusive practices. Under the terms of the proposed consent order filed today these inquiries where not bought on or made by me. I contacted The Credit Company who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the following credit inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above XXXX XXXX XXXX XXXX VA, XXXX. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in this matter,