davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-12
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)

In XX/XX/2018 my identity was stolen, someone used my personal information to obtain credit under my name. I have resolved all those accounts but recently pulled my credit report and found inaccurate collections accounts on my credit report. The accounts appear to be medical bills which I haven't been to a doctors office or emergency room in years.
Consumer complaint received 2020-02-21
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. (FL)

Equifax ; XXXX and XXXX  are reporting incorrectly a charge-off in the amount of {$2200.00} on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was in an accident and was deemed a total loss and I had GAP insurance at the time which covered any remaining money owed. This false reporting of a balance due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

The list of employers within my credit file is incorrect. To prevent further issues in the future I am asking that all records of employment be removed. This incorrect information is appearing in security checks and the information your company has on file for my employment is incorrect.
Consumer complaint received 2016-05-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have an ebanking checking account with Bank of America. My mother went to the bank and deposited a check that was in my name into my account. It had been sent to her house. I was charged a monthly maintenance fee of {$8.00} because my mother went to the teller to do this. 

I do n't think it 's fair that I 'm charged a fee for something which my mother did? It makes no sense to me. I have no control over whether she goes to the teller or not. I only use self-service options and receive a paperless statement so there should be no fee. 

I have tried to clear this up but BofA continues to give me the run around.
Consumer complaint received 2021-06-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

I ordered a XXXX XXXX XXXX ( Total of XXXX ) on my Home Depot Credit Card ( through Citibank XXXX on XXXX XXXX. They shipped the product through XXXX  with no signature required. XXXX  tracking showed the shipment stuck in XXXX until XX/XX/2021. We Contacted Home Depot on XX/XX/XXXX asking where our package was XXXX for an update on the delivery status ) in which Home Depot told us that the product was never shipped and they were then re-shipping the package. On XX/XX/2021, XXXX updated the Delivery status to " Delivered on XX/XX/XXXX '' so we contacted Home Depot and let them know that we did not receive the package and they said that it shows as delivered and to contact XXXX regarding the delivery. Since it was past 7 days, XXXX could no longer submit a claim or dispute and to reach out to our Credit Card Company. So I did. Citibank credited my account back pending review. I contacted Citibank to dispute the charge on my Credit Card, and in review of their dispute, they determined that the product shows as " delivered '' so they denied my dispute, because XXXX told them so. I have called XXXX, Home Depot, and Citibank with no luck in getting this resolved. Citibank nor XXXX can confirm that the package was delivered to my doorstep ( no signature, no picture ) and nobody will open a dispute or claim to refund my initial purchase of XXXX on my credit card.
Consumer complaint received 2021-02-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

Hi, I have recently pull my credit report and reviewed, I noticed that there was a company of PORTFOLIO RECOVERY listed on here for a collections. I for one never received documentations that I had any type of debt with them. I reached out to the company on XX/XX/XXXX for them to validated this debt, I never received a response, I then reach out to them again on XX/XX/XXXX for them to follow up on the validation of this debt they have listed on my credit report. The company has refused to provide or even responded with any proof or knowledge that this debt belongs to me. At this time they have violated my consumer rights. The law states that If the debt collector does not send sufficient proof of the debt, they are not allowed to continue pursuing you for the debt. That includes listing the debt on your credit report. The company has broken several rules since my initial letter sent on XX/XX/XXXX. I am keeping very detailed documents. This company needs to remove this from my credit report immediately. The company has had more than 60 days to resolve this.
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The list of employers within my credit file is incorrect. To prevent further issues in the future I am asking that all records of employment be removed. This incorrect information is appearing in security checks and the information your company has on file for my employment is incorrect.
Consumer complaint received 2019-08-29
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: EQUIFAX, INC. (FL)

THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND IT HAS CAUSED SERIOUS DAMAGE TO MY CREDIT REPORT, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE IT REMOVED OFF MY CREDIT FILE.
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MS)

I applied to and was approved for a credit card with XXXX XXXX XXXX Credit Card Department in XX/XX/2020. I have made all payments on time. This account has not being reported to any of the THREE MAJOR credit bureaus, such as Equifax, XXXX  or XXXX  as an account and one in good standing. 

Please have them ( XXXX XXXX XXXX Credit Card Department ) report this credit card account to Equifax, XXXX  and XXXX Credit Bureaus as it is positive credit history with a balance of {$00.00} with on time and no late payments, that will inevitably be favorable on my credit report and will help to increase the score.
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I applied to and was approved for a credit card with XXXX XXXX XXXX Credit Card Department in XX/XX/2020. I have made all payments on time. This account has not being reported to any of the THREE MAJOR credit bureaus, such as XXXX, Transunion or XXXX  as an account and one in good standing. 

Please have them ( XXXX XXXX XXXX Credit Card Department ) report this credit card account to XXXX, Transunion and XXXX  Credit Bureaus as it is positive credit history with a balance of {$00.00} with on time and no late payments, that will inevitably be favorable on my credit report and will help to increase the score.
Consumer complaint received 2020-02-21
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)

I have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Now because of these false accounts, I have no chance of acquiring any new credit. Please conduct a reinvestigation into this matter and have those derogatory accounts removed from my credit file.
Consumer complaint received 2020-02-21
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)

XXXX and Transunion are reporting incorrectly a collection in the amount of {$3900.00} on the DIVERSIFIED CONSULTANT partial account number XXXX, from original creditor XXXX. ( Please see page attached from my credit report. ) This account is completely fraudulent. I never have had an account with XXXX, nor have I ever agreed to open an account with XXXX. This collection is being reported in error and needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IN)

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

The list of employers within my credit file is incorrect. To prevent further issues in the future I am asking that all records of employment be removed. This incorrect information is appearing in security checks and the information your company has on file for my employment is incorrect.
Consumer complaint received 2020-02-21
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. (AR)

I decided to get my credit pulled due to several bills I continued to receive in the mail. I have never heard from the place before. I immediately suspected my identity had been used. I reviewed my report and I was caught by surprise on things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$36000.00} XXXX XXXX {$1300.00} XXXX XXXX {$4400.00} DEPTEDXXXX   XXXX {$1400.00} XXXX XXXX {$0.00} XXXX XXXX {$34000.00} XXXX XXXX XXXX {$3400.00} XXXX XXXX {$530.00} XXXX XXXX   XXXX {$440.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX {$740.00} XXXX XXXX  XXXX {$530.00} XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX {$7800.00} XXXX XXXX {$960.00} XXXX XXXX {$680.00} XXXX XXXX XXXX  XXXX {$490.00} XXXX XXXX XXXX {$530.00} XXXX   XXXX {$270.00} XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX {$670.00} XXXX XXXX {$880.00} XXXX XXXX {$440.00} XXXX   XXXX {$2200.00} XXXX  XXXX {$740.00} XXXX XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$500.00}
Consumer complaint received 2020-07-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Rep for Carringotn mortgage posted sale on door for XX/XX/2020! Asked for covid disaster relief, faxed in XX/XX/2020 and as you can see faxed XX/XX/2020 and XX/XX/XXXX but still foreclosure? Rep said on hold til XX/XX/2020 but a foreclosure for a XXXX XXXX loan! Was on unemployment just started back to work this month, i make XXXX  and hour now but need help!
Consumer complaint received 2022-10-15
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2020-02-21
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. (AR)

I decided to get my credit pulled due to several bills I continued to receive in the mail. I have never heard from the place before. I immediately suspected my identity had been used. I reviewed my report and I was caught by surprise on things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$36000.00} XXXX XXXX {$1300.00} XXXX XXXX {$4400.00} XXXX   XXXX {$1400.00} XXXX XXXX {$0.00} XXXX XXXX {$34000.00} XXXX XXXX XXXX {$3400.00} XXXX XXXX {$530.00} XXXX XXXX   XXXX {$440.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX {$7800.00} XXXX XXXX {$960.00} XXXX XXXX {$680.00} XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX {$530.00} XXXX   XXXX {$270.00} XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX {$670.00} XXXX XXXX {$880.00} XXXX XXXX {$440.00} XXXX   XXXX {$2200.00} XXXX XXXX {$740.00} XXXX XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$500.00}
Consumer complaint received 2020-02-21
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 and XXXX are reporting incorrectly a collection in the amount of {$3900.00} on the XXXX XXXX partial account number XXXX, from original creditor XXXX. ( Please see page attached from my credit report. ) This account is completely fraudulent. I never have had an account with XXXX, nor have I ever agreed to open an account with XXXX. This collection is being reported in error and needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-02-21
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc. (IL)

I'm getting three to four calls a day from either XXXX or XXXX about a debt that isn't mine. I've asked them to stop calling me and have told them I will not agree to be robo-called.
Consumer complaint received 2020-02-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TN)

Heloc loan was applied for on XX/XX/2020 with the wells Fargo Home Equity Group.  Loan originator 's name : XXXX XXXX NMLSR ID ; XXXX. I previously had a loan ( mortgage ) with WFC and paid off the house located on XXXX XXXX XXXX XXXX. XXXX, TN XXXX. I told him that I would be purchasing a villa close to my work and closing on XXXX XXXX. They said with my credit, this would not be a problem. The loan was given to loan processor XXXX XXXX NMLSR XXXX. I have no debt, a net worth well over XXXX XXXX with liquid assets of XXXX. Fico score is XXXX. XXXX Military with pension and social security. I continue to work and make around XXXX or better a year with a consistent record. They gave me, in writing, approval ( tentative ). My house was appraised at XXXX and I was requesting a XXXX loan or less. My age, which apparently was the problem, is XXXX. They asked me what I was going to do with my current home and I sent them an email that I would likely sell it, but in my area, it takes long time, maybe 2 years. That objective changed as I stated to them that I would likely keep it to make sure of the villa. They notified me that my loan had been rejected two weeks before I was to close on the property. I just received a notice from them on XXXX XXXX, dated XXXX XXXX, that my loan had been declined due to " We do not offer the type of credit or the terms you requested. '' Nothing else was said WHY. This appears to be nothing but AGE discrimination since there is no other conclusion or reason why they would decline the loan. Of course, this has not only cost me time, but money, since it appears nothing will happen and I am now past the closing date. I have never been declined for a loan, never missed a payment, have a stellar record of paying off both business loans and mortgages ( some 20 ). Again, this appears completely to be AGE discrimination. I have consulted an attorney but will first follow this avenue. Thank You
Consumer complaint received 2020-02-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AVANTE (AL)

I am the executor of my fathers estate. He had a machine financed by XXXX XXXX. We made contact with XXXX to try and make arrangements for a family member to assume the loan. They did not agree, in turn the handed the account over to AvanteUSA Ltd. I was contacted on XXXX by XXXX XXXX. During the initial I told him I would need proof that they were contracted to discuss and collect the possible debt and proof of the debt. he refused to provide the information stating that they did not have to give me anything and that a driver would have proof when they pick up the asset. He became aggressive and confrontational to the point that I terminated the call. I called back and again spoke with him and reiterated the fact that a member of the family would like to assume the loan. He indicated he would be back in contact. During this call I again reiterated the fact that I would need proof of the debt and proof that they had been retained to collect it. He again refused and insisted they did not have to provide any documentation. 

On Friday the XXXX of XXXX I again received a call from a XXXX XXXX. He indicated that the original debt holder had refused anything less than payment in full or the surrender of the machine. I again indicated to him that I needed proof of the possible debt and proof that they were permitted to discuss the possible debt and or to pick up the machine. He once again refused to provide the information. He then demanded a date the asset could be retrieved. I indicated to him that I would not be able to provide that to him until I had my schedule in front of me and the necessary proof. I once again reiterated to him that I would need the requested documents for the Probate Court and prior to any further action. He again became agitated and confrontational. He demanded that I was not in control and that I could not control and had o say in a date and in requesting documentation. 

While the estate would like to come to some mutually beneficial arrangement with the original debt holder, as Executor I must also have documentation for the disposal of any assets or settlement of any debts the Estate may owe.
Consumer complaint received 2019-07-15
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 REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2018-03-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC. (TN)

XXXX XXXX XXXX bought my account from HSBC Bank and I reached an agreement with them and paid the account. They refuse to take the account out of collections on my credit report and it is the only collections account I have and it keeps getting me denied credit even though the account is paid. I have sent letters, called and emailed them to please just remove it from my credit report as a collections account. They can leave it as a closed account but not as an active collections account but they refuse. I want this account removed from my credit report as a collection account. How can it be a collection account with it marked paid and a {$0.00} balance. It should not be listed as a collection account just a closed account. Please help me with this.