davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PRIMARY RESIDENTIAL MORTGAGE (KY)

I was preapproved for a fha mortgage at Primary Residential Mortgage. We went through the approval process providing all information that they asked for, the whole time being told that everything was great and that we could close on our house in as little as 3 weeks. We sold our home intending on downsizing and improving our finances. Through no fault of our own, our previous mortgage holder did not report our house payments to the credit bureaus or correctly apply the payments to our bank statements. That credit union subsequently went under and was taken over by another credit union. The new credit union started to report our payments to the credit bureau on time and with no issues. We only had 8 months of payment history. Under fha guidelines the mortgage company doesn't need a payment history if your credit scores are above 620 which our 's are. We were denied after 45 days and we sold our house, so we were going to be homeless. We talked to another mortgage lender who said there was no way the should've denied us. After working with that lender the denial from the first lender appeared on the fha file and that lender can not ok the mortgage because the first lender reported that the denial was because of unacceptable payment record on previous mortgage even though they only have 8 months of previous payment history that is perfect as reported to the credit bureaus. We applied for the initial mortgage in early XXXX and was denied on XXXX XXXX. I contacted Primary Residential Mortgage several times to get them to correct the denial reason so I can go forward with another fha lender and they refuse and do not care that my family has nowhere to live. Do not ever use Primary Residential Mortgage. They are too big to care about people. They just care above the money.
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: World Acceptance Corporation (TX)

I am a victim of identity theft. Therefore I put a fraud alert on my credit. Every since Ive done it I have been getting denied for credit due to not being able to verify my identity. I applied for a company called XXXX they denied me for that reason after I answered 10 questions completely correct. I offered to send check stubs my social and my ID. They said that I am still a credit risk. The same with XXXX XXXX and Same XXXX  XXXX. Also I filed a XXXX XXXX XXXX compliant and they did nothing about it. Im having the same issue with XXXX  XXXX XXXX they sent me a letter saying that they would remove things that arent mine and that theyre not going to hold me responsible but they wont remove the information from they system for me to open an account. XXXX XXXX, XXXX and XXXX too.
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Ability Recovery Services, LLC (TX)

These collection agencies are reporting debt with changed starting dates. Two debts sold to these companies and they changed the dates of the debt from being several years old to just months old. They are cheating and lying by entering incorrect debt starting dates.
Consumer complaint received 2018-01-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Accelerated Receivables Management, Inc. (WA)

Accelerated Receivables Management ( ARM ) predatory collections agency trying to collect for XXXX XXXX XXXX ( XXXX ). This has affected thousands of people. 
XXXX was convicted in court for insurance fraud and went bankrupt. 
Article : XXXX XXXX XXXX I was called and told to pay an unverified debt with no documentation available. Caller said my credit was affected. I was never notified. Caller had wrong contact information for me which is why I never received notice. I verified my credit WAS actually affected as delinquent. All for a couple hundred dollars. How can this be legal? Possible fraudulent collection practices for Washington State. I attempted to call a few times and was met with arrogant, belligerent and threatening attitude and was hung up on repeatedly. These people need to be reigned in.
Consumer complaint received 2022-03-30
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. (MI)

I submitted my police report to TransUnion detailing a fraudulent account from XXXX. The account number and fraudulent account details were included in my police report. I also included a copy of my drivers license and social security card. I requested that the fraudulent account be removed pursuant to the Fair Credit Reporting Act, Section 605B. TransUnion verified my name and social security number that has been breached and ignored my police report detailing the fraudulent account that I did not open.
Consumer complaint received 2019-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

I was checking my credit report and I noticed that I have a collection from XXXX XXXX XXXX for XXXX XXXX for the amount of {$530.00}. I disputed it with the credit agencies but have been unsuccessful. This account was open fraudulently. I need this to removed from my credit report.
Consumer complaint received 2019-05-03
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. (WI)

I have a credit card account with XXXX 's XXXX XXXX in XXXX, WI and it is not showing up on my Transunion report. This problem was first addressed in XX/XX/XXXX and it has not resolved. I met with the bank in XX/XX/XXXX and have inquired via e-mail three more times since then. I have contacted Transunion as well. It seems that since this account was suppressed from a Bankruptcy in XX/XX/XXXX it has not been reporting. This account was reaffirmed in the bankruptcy and was not included in the bankruptcy - in other words we did not want to lose this account so we continued to pay as agreed and did not close this account. 

Also, from the bankruptcy in XX/XX/XXXX, we reaffirmed our mortgage with XXXX XXXX  XXXX ( now we are serviced by XXXX XXXX XXXX ) and this account, also, is not being included on our credit reports. THe reporting has been suppressed since back then and it looks like we never even had a mortgage! We have been in this home for over 10 years and we aren't getting the benefit on our credit report. YES I called the credit companies and YES I called XXXX XXXXXXXX XXXX starting back in XX/XX/XXXX, Again in XX/XX/XXXX and finally, just called on XX/XX/XXXX. Please help!
Consumer complaint received 2019-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i am a victim of id theft. these items do not belong to me due to fruad XXXX   XXXX XXXX/XXXX XXXX opened XXXX XXXX {$1900.00} XXXX XXXX opened XXXX XXXX XXXX XXXX opened XXXX XXXX {$8700.00} XXXX/XXXX opened XX/XX/2010 {$4700.00}
Consumer complaint received 2020-12-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

On Saturday, XX/XX/XXXX, I received a text aroung XXXX XXXX  indicating that a XXXX XXXX had been paid with my checking account in the amount of {$5500.00}, to click Y to confirm or to call the number on the text. I called Wells Fargo immediately, Apparently, someone used my account number and routing number to pay their XXXX Credit Card in the amount of {$5.00}, XXXX. I have never had a XXXX card, much less made any payment to XXXX In my 20 years with Wells Fargo, it would be extremely rare for me to have {$5000.00} in my account, or ever make a payment for that amount. However, they let someone take my money. It is now the COB on XX/XX/XXXX, and I still do not have my money. They keep telling me XXXX hours, but then the next day it is XXXX hours. I have to go through more steps to identify myself to speak with them than the person who stole my money. If I go to the grocery store more than once in a day, or if I spend money out of town, they put a freeze on my account, but they let someone clean my account using only my account number and routing number which anyone can get off of a check I have written. Everyone I speak with seems as though they are reading off of a script, and I keep getting the run around.
Consumer complaint received 2019-09-26
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: EQUIFAX, INC. (FL)

i am a victim of id theft. these items do not belong to me due to fruad XXXX   XXXX XXXX XXXX opened XXXX XXXX {$1900.00} XXXX  XXXX opened XXXX XXXX XXXX XXXX opened XXXX XXXX {$8700.00} XXXXyXXXX opened XX/XX/2010 {$4700.00}
Consumer complaint received 2019-09-26
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: EQUIFAX, INC. (NY)

This company is the worst they should be out of business Im a victim Of identity theft and they have my police report they refuse to block fraudulent accounts and inqueires which XXXX  has already deleted these people Will Report things for years and dont care their system is old and outdated and they dont remove anything even though they say they will it still reports
Consumer complaint received 2019-09-26
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: Early Warning Services, LLC (NY)

This company treated me horibke I am a victim of identity theft and have tried contacting them they dont care they are reporting fraudulent account banks and inqueires so many and they refuse to delete this from my report its hard for me to get a bank account opened by all of this negative I for reporting about me Ive been declined at multiple Banks for an account due to the information they are reporting about me
Consumer complaint received 2023-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2020-09-15
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: Experian Information Solutions Inc. (CA)

XXXX and Experian  are fraudulent on my accounts : XXXX XXXXXXXX XXXX  is fraudulent on my Account Number : XXXX XXXX/XXXX  XXXX is fraudulent on my Account Number : XXXX XXXX/XXXX  XXXX is fraudulent on Account Number : XXXX
Consumer complaint received 2019-09-26
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: EQUIFAX, INC. (FL)

i am a victim of id theft. these items do not belong to me due to fraud u s bankruptcy court XXXX XXXX XXXX opened XX/XX/2013 {$6900.00} XXXX XXXX XXXX XXXX {$260.00}
Consumer complaint received 2019-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

Hello, I spoke with a lady on XX/XX/XXXX to pay my account in full. Upon completion of payment I asked when this item would be deleted off my credit report and she stated within 30-45 days because she would submit it today and that they report to credit reports at the beginning of the months.
Consumer complaint received 2019-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (IL)

Money has been misapplied several times After several calls to rectify the situation it continues Principal has been paid down to under 75 % of loan value and lender will not remove PMI Late charges have been applied to account after making more than double payments required. 
Have not been provided account info upon request
Consumer complaint received 2024-03-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (GA)

I believe FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Can you review the paperwork? Certain listed accounts seem to be incorrect, causing me discomfort.
Consumer complaint received 2019-04-01
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. (SC)

I contacted Experian several times before contacting you inquiring about this error and I was hung up on, transferred, and given the wrong information before contacting you. My credit score is showing XXXX on their website and I had a negative account removed which was not suppose to be there so the company took care of it and I was notified by Experian that my credit score increased by 2 points or XX/XX/XXXX, then XX/XX/XXXX it was suppose to increase by 4 points, then XX/XX/XXXX it went from poor to fair and increased again on XX/XX/XXXX by 1 point but my score is still showing XXXX and poor with no change and this is unacceptable. I really need assistance and I have documentation.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away.
Consumer complaint received 2023-04-06
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. (WA)

Account name : XXXX XXXX Account number : XXXX Account type : Credit card Date opened XX/XX/XXXX Status : Closed. {$50.00} past due as of XX/XX/XXXX. XXXX updated : XX/XX/XXXX Balance : {$470.00} Balance updated : XX/XX/XXXX This is an inaccurate credit reporting that I don't recognize. I filed a dispute with XXXX, XXXX, and TransUnion. But for whatever reason it remained on my credit report. They haven't provided any information on how exactly they verified the debt.
Consumer complaint received 2022-03-30
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)

EXPERIAN, XXXX AND XXXX HAS SOME ACCOUNTS ON MY CREDIT THATS NOT MINE AND THEY REFUSE TO DELETE.
Consumer complaint received 2022-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (OH)

On XX/XX/XXXX, a transaction of mines was not approved so I called AMEX immediately to inquire why. They tried to lie repeatedly and said I had a return payment on my XXXX XXXX XXXX XXXX  of {$35.00} which was an absolute lie. I even called their bluff and had them 3 way call my bank the payment came from and the bank confirmed the payment came out on their end on the scheduled date of the payment. Showing there was an issue on their systems end! Instead they denied my credit limit increase citing the fake return payment excuse that was confirmed on their recorded line to be inaccurate. Ive been with American Express since 2018 with 6 cards, 3 high yield savings account and a rewards checking account plus a personal loan. Never late or returned payment now theyre trying to stick a fraudulent one on me to deny my credit limit increase!
Consumer complaint received 2023-04-06
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.v
Consumer complaint received 2022-03-30
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: Fidelity National Information Services, Inc. (FNIS) (PA)

New Complaint, I am Depressed Very Bad, XXXX is hurting me causing damages where as i am moving this month and can not let them check my credit due to experian dropping my score drastically. It has cause XXXX  and XXXX  not to mention XXXX knowing, my chances are next to none now because of experian. I've did some of my own research and found on public law this is Identity Theft, As I Search Public Law 18 USC 1028a that is Aggravated identity theft, I do not consent to XXXX Furnishing, Housing or producing my personal Information. I did not give written consent for XXXX to do so. As I Search Public Law 15 U.S. Code USC 1681b - Permissible purposes of consumer reports ( 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 written instructions of the consumer to whom it relates. All Codes Public Law
Consumer complaint received 2022-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I went to hospital in XXXX 
Hospital did not bill the department of veteran affairs like I said to, and they sent the bill to collections immediately. 

I have the VA agreeing to cover the care and the creditor stated that they are removing it. 

Transunion isnt updating their system to reflect this change and the damage to my credit has not been reversed.
Consumer complaint received 2022-03-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (AZ)

On XX/XX/XXXX I received an alert of a new derogatory collection placed on my credit. The collection agency is I.C. System Inc. The original creditor is XXXX XXXX in the amount of {$1000.00}. In XXXX, I settled all my derogatory collections in order to repair my credit including XXXX/I.C. Systems. I paid it off completely. I was shocked and extremely frustrated when I received this alert. When I contacted I.C. Systems. They described the debt and it doesn't and never has applied to me. Please help!
Consumer complaint received 2023-04-06
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. (FL)

On my trans u ion credit report there are inquiries on there that I never authorized to be on there, Ive contacted trans union an notified that it wasnt me and remove the injury, they did not follow the fr a laws that stats this 15 U.S.C. 1681b - U.S. Code - Unannotated Title 15. Commerce and Trade 1681b. Permissible purposes of consumer reports A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) of this section in connection with any credit or insurance transaction that is not initiated by the consumer only if -- A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) of this section in connection with any credit or insurance transaction that is not initiated by the consumer only if -- 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 



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Consumer complaint received 2022-03-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (TX)

The owner ( XXXX XXXX ) mother ( XXXX XXXX ) has my information from a tax return I never collected from her, they are accusing me of messing up an apartment I only stayed for 2 months and left peacefully and clean space.now they arnt giving me my return and they arnt giving me my money I payed them for the month when I left on the XXXX XXXX  XXXX. They sent me pictures blackmailing me and blaming me for things I never did. Now they are using my information to fraudulently tie my name to a lease I never signed and I didnt live in for the whole duration.
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

I'm writtining You to dispute old accounts on my credit report. 
By law, credit bureaus are only allowed to list negative items for a certain amount of time. For most negative information, the time limit is only seven years ( or seven years + 180 days for a charge-off ).