davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-11
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: World Acceptance Corporation (TX)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2019-10-11
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2019-10-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (NV)

I bought my home in XXXX. I had a hardship and had to modify my loan in XXXX. XX/XX/XXXX i refinanced. XX/XX/XXXX HUD sent a letter saying i owe them {$30000.00}. 


I contacted Freedom Mortgage and they said the title company XXXX title XXXX ) was at fault. So i contacted the title company and they pointed the finger at the mortgage company. Ultimately the mortgage companys insurance rep contacted me and stated Im at fault and i need to pay. 


I had no idea until HUD contacted me that there was an issue. Im thinking with underwriting and the entire process someone shouldve caught this.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

Please know the information on my credit report is not correct. I've listed addresses as well as inquiries that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source. Please remove urgently.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I first noticed a company XXXX show up on my credit report on XX/XX/XXXX. I have never heard of XXXX. I filed a dispute with the credit bureau, XXXX, XXXX, and Transunion after I had attempted to settle with the company. I have NEVER filled out an application or signed a contract with this company. I was under the impression that the dispute had been settled and removed from my credit report. I found out yesterday on XX/XX/XXXX that there was a debt of {$63000.00} showing on my credit report and drastically dropping my score making me unable to purchase a home. I had disputed XXXX on XX/XX/XXXX and thought that this information that had been corrected/removed from my credit report and has now, in fact, been reinserted. I am not sure if this was identity theft? With further investigation, I found out that this company no longer exists and that was closed on XXXX of XXXX ..... I have once again attempted to have this settled with the credit union. If you can offer any assistance in the resolution of this matter I would greatly appreciate it.
Consumer complaint received 2020-02-10
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. (MI)

XXXX XXXX XXXX XXXX {$11000.00} this company is reporting an account that was opened in XXXX XX/XX/XXXX and was opened fraudulently. This account has finally come off my report and this debt collection company is reporting inaccurate date of being opened XX/XX/XXXX which is incorrect! 

XXXX XXXX  XXXX XXXX {$2300.00} This company is reporting a debt from XXXX for cellular phones that weee fraudulently attained in my name. This is complete fraud. 

XXXX XXXX XXXX XXXX Amount Amount {$4900.00} this company is reporting a debt but would not allow me to continue to pay on my debt and they are reporting inaccurate amounts. I made several payment til they all of sudden closed my account and Ive paid down to about {$1900.00} on that account. 

I also have inquiries that I have never authorized nor applied for these things. Here are the inaccurate inquiries : 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 I have never applied for any of these things and they are NOT my inquiries at all.
Consumer complaint received 2017-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The credit repositories should correct the XXXX XXXX XXXX  Loan XXXX on my credit report.
The correct information for XXXX XXXX XXXX loan is the following : 1. The last payment on loan XXXX was in XX/XX/XXXX.
2. The loan XXXX was accelerated in XX/XX/XXXX, there were n't any monthly payments due after XX/XX/XXXX.
3. The last activity on loan XXXX was in XX/XX/XXXX.
4. XXXX XXXX XXXX DID NOT transfer/sell loan XXXX in XX/XX/XXXX. This remark should be removed from my credit report.
5. The current status of loan XXXX is not 180 days past due or 120-149 past due. The CURRENT STATUS of loan XXXX should not reflect any past due payments.
6. The loan 's current status should reflect XXXX amount due, XXXX monthly payment, and no payments due.
Consumer complaint received 2022-12-15
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. (MS)

My XXXX XXXX accounts XXXX and XXXX I have disputed on plenty occasions and Equifax has continuously reporting wrong and I'm trying not to take further legal actions but this needs to me resolved ... .I need this fixed now ... .the two credit bureaus got it right before whatever reason Equifax continues to get it wrong and I need it resolved now!!
Consumer complaint received 2019-07-11
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. (OK)

After Divorce, my ex would not refinance the house she got in the divorce. 
I filed bankruptcy and had the mortgage discharged from me. 
It went away for years, then the mortgage was sold to a new company. They began listing it and my ex 's missed payments on my credit. I appealed to the company and the credit reporting agencies. 
Equifax refused to remove the item stating the company would have to remove it. 
The company ( at that time XXXX XXXX ) refused despite receiving letters from myself and the lawyer who handled my bankruptcy many years before showing I had discharged this debt. 
Then my ex informed me she was re-financing to get my name off it. It went away for a few months and now a new mortgage company I've never heard of has appeared on my Equifax report ( XXXX XXXX ) ( not on XXXX by the way ). 
I did an online dispute with Equifax and received an email they had completed the dispute, and I could view the results online. However their online system does not work and will not allow me to connect saying they need more information from me and providing a phone number. I called the number and went through their prompts to speak with an agent, and got transferred to a message " This is a non-working number '' and hangs up. 
So then I tried their online chat feature on the website. It connected but as soon as I began to type I received an error " You've been disconnected from the agent. Please wait while we attempt to re-establish connection ... '' it sat for a few minutes then popped up " Connection lost : Please check your connection ''. 
I've done everything I can do to get this account which is not mine off my credit, but nothing has worked. I can not afford to hire a lawyer. 
Equifax has gone out of it's way to be unaccessible and prevent actually dealing with the consumers their inaccurate information harms. 
This inaccurate information has prevented me from qualifying for credit, creating financial hardships and further distress for me.
Consumer complaint received 2021-02-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc (CA)

Medicredit has placed a collection on my credit reports with a date open of XX/XX/XXXX. The first collection letter received had a date of service of XX/XX/XXXX and subsequent letters were sent with a date of service listed as XX/XX/XXXX. This company has inserted this alleged debt with a date opened as XX/XX/XXXX in an attempt to re-age the debt. This is a major violation of the law. I have sent Medicredit a debt validation letter dated XX/XX/XXXX via certified mail and they have not responded but continue to report this erroneous file to the credit bureaus. I have also sent method of verification request to both XXXX  and XXXX and they report back that the collection agency has verified the information. How can it be verified with the reporting of inaccurate information or validation of the debt after requests?
Consumer complaint received 2024-05-10
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV INC. (CA)

Today, I received a letter from Money Network notifying me of suspicious activity on my account. They informed me that they had suspended the account after detecting fraudulent bank transfers, which they were able to reverse. Additionally, there were a couple of XXXX charges ( over {$700.00} ) on my account, which I promptly reported as I had not made any such purchases and I don't even use XXXX. All my personal information had also been changed. 
I informed the representative that I possess the physical card and inquired about the details of how my information could have been changed and where the XXXX charges originated from, just to make a point, but she had no information and " I don't know '' was all I received. Despite that this was a flaw on their security measurements, they are refusing to credit my account for the fraudulent charges. Instead, they advised me to dispute the charges, then wait for them to send the necessary forms, fill them out, and then endure a XXXX waiting period for investigation. 
I find this treatment unjust, especially considering that based on the facts it's very clear that I have no involvement with those charges and those are fraudulent charges made on their side of system. I believe that if they examine the situation closely, they will be able to verify it quickly and I should not be the one suffering for the security flaw in safeguarding their system. I am a CPA and my credit score is XXXX and this is the unemployment money from EDD which I need to support my family until I secure a new employment. 
I really appreciate support with this matter.
Consumer complaint received 2021-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Beginning XX/XX/XXXX I tried to buy another home for renovation purposes. My loan officer informed me I had a missed payment from XXXX XXXX in the amount of {$3400.00}. This was an accumulation of missed payments from earlier years in which I had a hardship and remodified the loan. The mortgage was now current. I received the necessary documents from XXXX XXXX reflecting the loan was current and thought I rectified this issue with them and Equifax. As only Equifax is the only credit bureau reflecting such a negative impact due to this. I attempted to buy another house for renovation in XX/XX/XXXX ; again my loan officer informs me that I have missed payments from XXXX XXXX. This can not be as I am on automatic bill payment. XXXX XXXX did provide me with documents on multiple occasions to submit to Equifax ; however Equifax told me they can only report what is reported to them. It is possible that XXXX XXXX is erroneously reporting to Equifax. As I followed up with XXXX XXXX and I was informed that they should not have been reporting at all due to a bankruptcy filed by co-borrower. However co-borrower " Quit Claimed '' themself from deed. XXXX XXXX at that time informed me they would start reporting my on time payments. However after my last few conversations with them, they have sent me correspondence saying that they will not report anything on my credit report. Review of my credit report reveals they have removed my good payment reporting, and have left the negative report from XXXX. Since I started dispute with Equifax and XXXX XXXX in XX/XX/XXXX, my credit score has dropped on Equifax alone by 93 points. This is an egregious disservice and wrong to me, and is severely impacting my life. XXXX XXXX nor Equifax wants to help solve the problem and continuously shifts the blame, while leaving me as the consumer negatively affected. I need help, as credit is a resource that has a huge impact on one 's financial outcome.
Consumer complaint received 2022-12-15
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: EQUIFAX, INC. (NC)

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent 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 XXXXXX/XX/XXXX.
Consumer complaint received 2016-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion is currently reporting XXXX accounts for XXXX XXXX XXXX that the company agreed to delete. I filed a complaint with Transunion and they have not responded to my dispute. i have also disputed with the company and they are unable to verify or provide any proof that these accounts are mine. i did not open these accounts
Consumer complaint received 2022-12-15
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. (NC)

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-02-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NJ)

Saw 4 pending unauthorized transection totaling {$79.00} dated todayXX/XX/XXXX, called my local branch to report it but no one answered the phone during their working hours! called their main XXXX XXXX XXXX and was transferred to fraud dept and narrated my story for about 25 minutes to Ms XXXX gave her all the info and then got disconnected, this rep did not even try calling me back! 
Called TDBank again waited to reach the fraud dept took about 27 minutes while new Rep Ms XXXX gathered all the info, refused to let me speak to the previous rep Ms XXXX, or her supervisor or manager, refused to ask their manager to call me or would not even share her supervisor 's email!! 
Even thought they have all my contact info on file they fail to inform me of any impending fradulant debits. 
Also unwilling to stop the impending fraudulant debits charges occuring while i was reporting!!!!! 
I am not sure what to do, can you please help. 
XXXX XXXX
Consumer complaint received 2020-02-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/2020 I transferred {$250.00} from my Wells Fargo checking account via XXXX through the mobile app to my own XXXX  XXXX XXXX account. I called XXXX   XXXX XXXX at XXXX XXXX  on the morning of the XXXX to see if it was anything I could do and if the transaction would take a little time to come through. XXXX  XXXX XXXX informed me that the transaction failed and they never received the money from Wells Fargo. So I then contacted Wells Fargo at about XXXX XXXX to start my claims process to get my money back. Wells Fargo informed me that since my rent payment was due the following day that they would mark my case as urgent and I should hear from the person on working the claim shortly. Fast forward, I called every business day to get a resolution. On Friday XX/XX/2020 I called in to check the status and was told my claim had been closed and I was just out of my money. I immediately went to the Wells Fargo branch to speak with a personal banker. I went into her office and she called the customer service or claims department to check and see if my claim had indeed been closed and they informed her that it hadnt. I showed her my bank statement from XXXX   XXXX XXXX and she verified that the deposit of {$250.00} had not been deposited in my XXXX  XXXX XXXX account and relayed that info to the customer service rep. Still no resolution. They told her it was nothing they could do and I would still have to wait 10 business days before a resolution could be made. I called in this morning XX/XX/2020 and now they are telling me that still no resolution. Ive been patient and given them all the documentation needed to verify that I never received my own funds that I was transferring between MY personal accounts as if Im a criminal and it wasnt MY money to move. This is unacceptable and extremely unprofessional.
Consumer complaint received 2019-05-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SECURITY FINANCE CORP (IN)

I have a big problem with a company by the name of Professional Finance Services I have a loan with them and they keep increasing my principal and interest without explanation for why, I make my payments on time and never late but they keep saying that you owe more than the car was worth.
Consumer complaint received 2019-07-11
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. (CA)

I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$0.00} -This is not my account
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENTAGON FEDERAL CREDIT UNION (TX)

PENFED CREDIT UNION is in clear violation of the following sections of the law ; 15USC1642 15USC1681m, 12CFR1002 and are subject to criminal liability for violating 15USC1691. PENFED CREDIT UNION pulled a copy of my XXXX consumer report without written authorization or permissible purpose pursuant to both 15USC1681 ( B ) and 18USC1028 ( A ). On ( XX/XX/XXXX ), PENFED CREDIT UNION sent me a notice that I was denied credit for financing a XXXX XXXX XXXX. According to the Equal Credit Opportunity Act which is codified in 15USC1691c and pursuant to civil liability under 15USC1691K, Adverse Action against a consumer is AGAINST THE LAW. I have been discriminated against by PENFED CREDIT UNION due to the response I received from you ( XX/XX/XXXX ). 
My social security number ( credit card ) was used by PENFED CREDIT UNION to make an application for financing the vehicle XXXX XXXX XXXX XXXX XXXX, in good faith and credit was not issued. Therefore, because I received no benefit, due to your company denying me of my own credit, this is fraudulent activity on behalf of your financial institution ( unauthorized use of credit card ). As the original creditor in any credit transaction, only I decide if I was approved or denied for an extension my own credit. If PENFED CREDIT UNION fails to make reasonable procedures to resolve this matter and compensate me for the use of my credit card in the next 15 days, I will have no choice but to make your financial institution criminally liable for all actual damages pursuant to 15USC1681 ( n ) and 15USC1681 ( o ). I will also follow up with an invoice seeking {$10000.00} per violation of the law found in this transaction.