davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-06
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: Experian Information Solutions Inc. (PA)

I recently looked at my credit report a noticed an account that was reporting inaccurate i sent multiple emails and letters to the credit bureaus and creditor stating the inaccuracies. and from my knowledge everything on your credit report is suppose to report accurate. If a payment is late more than XXXX day the reporting should be the month and late however many days for the correct reporting should say XXXX late XXXX, XXXX late XXXX days, XXXX late XXXX  days. The account on my report say on time every month and then XXXX late XXXX days. I also ask for proof of my payment history from the creditor and it says paid on all due dates.
Consumer complaint received 2020-07-25
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: WELLS FARGO & COMPANY (CA)

I have been told by wells fargo that they have no responsibility to report my credit activity to the credit company 's, this is a business credit card that is my ONLY credit card I have for 27 years, now im told I have no credit. Its the same SSN number. Please help me.
Consumer complaint received 2020-07-25
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hi, I previously filed a complaint with the CFPB ( XXXX ) and it was closed in my favor ( please see attached ). This week, the bank reversed the {$810.00} credit ( please see attached ). 

I thought this was finally resolved and I think it's unfair for a decision to be reversed after it was resolved. 

Please help.
Consumer complaint received 2021-12-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX XXXX breach and XXXX have gotten into the wrong hands.
Consumer complaint received 2018-11-25
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 have been a victim of identity theft. I took the proper steps and filed with the FTC, a police report, and sent a letter to the reporting agencies detailing the items which were not mine and requested a block with the following items enclosed : police report, FTC report, copy of drivers license, credit report with items highlighted. 

The agency reported they denied my block but did not specify which of the three reasons applied to their denial. The items were initially removed but the credit reporting agency is reinserting as " their investigation '' which was well over 30 days are beginning to be reinserted. The reporting agency is violating the law by saying the creditor says i owe the amount, although as an identity theft victim they can not rely on creditor reporting to determine i am liable for a debt. I will refile on XX/XX/XXXX with full police report now that it's available. 

Dates : Noticed identity theft around XX/XX/18 by a collection letter.

Filed identity theft with FTC on XX/XX/18.

Placed fraud alert on XX/XX/18.

Filed police report on XX/XX/18.

Filed certified with credit bureaus on XX/XX/18 with return receipts.

Filed updated FTC report with credit bureaus on XX/XX/18 with new information on credit report.
Consumer complaint received 2019-08-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/2019 I became a victim of a very well put together cell phone scam involving our savings account at Wells Fargo bank. After receiving a cell phone call stating because of lack of use from a computer fix that I had done over 11 months that I was entitled to a {$400.00} refund Instead of hanging up I filled out a FALSE form and somehow the had gotten access to my bank information. To my dismay they sent a screen shot of a FALSE deposit slip into my checking account. I said how do I get this overpayment back tou. They replied the only way was to get gift cards from placeeds like XXXX, XXXX XXXX, and XXXX XXXX.to the amount of XXXX. I panicked and used my debit card to purchase such cards. As I was panicked I came to my senses and realized it was too late> as I gave them the numbers anOn XX/XX/2019 I became a victim of a very well put together cell phone scam involving our savings account at Wells Fargo bank. After receiving a cell phone call stating because of lack of use from a computer fix that I had done over 11 months that I was entitled to a {$400.00} refund Instead of hanging up I filled out a FALSE form and somehow the had gotten access to my bank information. To my dismay they sent a screen shot of a FALSE deposit slip into my checking account. I reported this to the XXXX police officer XXXX # XXXX I was lucky enough to stop the XXXX XXXX case # XXXX reimbursed. 
Not so lucky on XXXX XXXX or XXXX XXXX they cashed them immediately. {$5000.00}. Wells fargo said they could not reimburse The XXXX because I bought the cards. This was our savings that we need for taxes etc. We are both on social security. Wells Fargo Case # XXXX
Consumer complaint received 2021-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (CO)

Hello, Around late XX/XX/2021 I requested a balance transfer from XXXX Credit Card ( Provided by XXXX XXXX ) to US Bank. Shortly after ( first week of XXXX ) I reached out to both XXXX ( Which said I need to contact US Bank ) and US Bank ( Which was told by their representative that the transaction will be canceled ). Fast forward to XX/XX/2021, I received a bill from US Bank regarding that balance ( original {$1100.00} plus {$33.00} fee ). I reached out multiple times to them and was told the money was sent to XXXX which is not even my bank and they refuse to fix the problem they created.
Consumer complaint received 2018-11-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

We entered into a mortgage agreement with Wells Fargo in XXXX. At that time, our loan was securitized. The pooling service agreement ( PSA ) that applies to the loan does not limit the number of times the loan can be modified. The loan was modified a number of years ago by Wells Fargo via adjustable rate modification that was executed in XX/XX/XXXX and we completed. The loan was re-set to the original terms of the loan. In XX/XX/XXXX, Wells Fargo modified the loan again and transferred it to XXXX. The monthly payment and interest rate essentially remained at the original levels. We applied for another modification in XX/XX/XXXX which has been denied. One of the reasons that Wells Fargo, who is now the loan servicer, provided to us in writing is that we have exceeded the allowable number of modifications of the loan. This contradicts the PSA. Wells Fargo has also informed us in writing that we do not meet the requirements for loan modification but have not provided us a written explanation of what the requirements are. Wells Fargo verbally informed us that the investors that own our loan do not want to allow us to modify the loan at this time. Wells Fargo has approved us for a Short Sale of our home. We appealed Wells Fargo 's decision to deny our mortgage modification application and our appeal was denied.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I appreciate you making an effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this. 


XXXX XXXX XXXX XXXX XXXX XXXX inaccurate account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/Equifax XXXX XXXX XXXX XXXX XXXX on all 3 Bureaus inaccurate XXXX XXXX XXXX XXXX reporting inaccurate on all 3 bureaus
Consumer complaint received 2021-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

transunion is reporting collection accounts that do not belong to me. 
XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX By law this is illegal and they must remove them immediately!
Consumer complaint received 2021-12-04
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. (MN)

I have sent numerous request via U.S. Mail requesting for Equifax and XXXX to permanently delete and remove all fraud alerts, Extended Fraud Alerts and File Blocked For Promotional Purposes. The fraud alerts are still showing on my XXXX and Equifax credit report. I want the fraud alerts deleted and removed from my Equifax and XXXX credit report.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 I'm writing to say that the law, called the Fair Credit Reporting Act, protects my privacy. It says that companies like XXXX and XXXX, which share people 's financial information, must be fair and respect my privacy. Another law, 15 USC 6801, says that financial institutions, like the ones sharing my information, have to protect my privacy. I don't want them to share my information, and they need my permission to do so. Even if they had my permission before, I'm taking it back now. 15 USC 6802 says that a financial institution can't share my private information unless they explain how I can say no. They never told me I could say no. Moreover, another law, 15 USC 1681C, says that they can't share negative information about me without my permission. But they're doing it anyway, which is against the law. There are more laws, like 15 U.S. Code 1681s2 and 15 U.S. Code 1681e, that say companies like XXXX and XXXX must be careful and accurate when sharing information. But it seems like they're not following those rules. One more thing, according to 12 CFR 1016.7, I can choose not to let them share my information at any time. So, I'm choosing not to let them do it anymore. Thank you for understanding. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-12-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL (NY)

Hi! 

I received a letter from Synchrony Bank XXXX XXXX XXXX XXXX FL XXXX Tel. XXXX stating that I requested for a XXXX XXXX XXXX product. I called the bank and told them that I never applied for such inquiry. Some one is using my name, address and Social Security number to apply for a credit line. I would like law enforcement to investigate my case. Thanks And whomever used my information put an Apartment number which is wrong. I would definitely press charges to the fullest in recommended by authorities.
Consumer complaint received 2018-11-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STERLING JEWELERS, INC. (TX)

I have tried to resolve debit with Sterling Jewelers by requesting information to prove debit. 
1st issue, I requested Singed contract. No less than 4 times, none returned. 


XX/XX/2018 letter sent stated acct Sold. 
I feel they have acted in poor faith by selling account to XXXX XXXX, XXXX and not providing requested info.
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX and Transunion are reporting incorrectly a collection in the amount of {$540.00} on XXXX XXXX XXXX partial account number ****XXXX. ( Please see page 15 of the attached credit report. ) I returned XXXX XXXX equipment pursuant to the packing instructions provided by XXXX XXXX, and now they are alleging that I never returned their equipment and consequently I am being sent to collections. I never received credit for returning the equipment. I do not owe this debt. I returned the equipment as instructed, and it is not my fault that the equipment was misplaced at the warehouse/storage facility. This incorrect reporting of a collection is harming my credit score and these line items need 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 2020-11-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

We use to live at XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I moved out of the state of Florida after my lease was up. I have never payed late or left an outstanding balance with XXXX XXXX. In XX/XX/XXXX, I saw a negative account added to my credit report and it was from XXXX XXXX  ( original creditor XXXX XXXX XXXX. I tried to reach out to apartment management company and they refused to send me documentation to prove the outstanding balance, even though when I left my documents showed a {$0.00} balance. I tried getting proof through the credit bureau 's, and they are verifying the account however not showing me the proof of verification.
Consumer complaint received 2020-07-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Idaho Housing And Finance Association (WA)

FIRST MY HUSBAND HAD A XXXX IN XX/XX/2019. HE WAS OUT UNTIL THE MIDDLE OF XXXX FROM WORK. SO OF COURSE WE FELL BEHIND. THEN COVID19 HIT AND WE'RE FORCED TO STAY HOME WHICH PUT US EVEN FURTHER BEHIND. I CONTACTED THE MORTGAGE COMPANY TOLD THEM OUR SITUATION AND WANTED TO USE THEIR COVID19 HELP PROGRAM THAT THEY SUPPOSIDLY HAVE GOING ON. THE REP ON THE PHONE TOLD ME A FLAT OUT NO THAT THEY WERE NOT GOING TO HELP US! CONTINUING TO FALL BEHIND EVEN MORE NOW- We FELL SO FAR BEHIND I WAS SCARED OF LOSING OUR HOME. SO I CALL AGAIN TO ASK THEM TO PLEASE HELP US. THE REP ASKED WHEN I CALLED LAST TO TRY AND GET THE COVID19 HELP AND HE HANGS UP ON ME! I CALL BACK AND TOLD THEM EVERYTHING A~GAIN AND THEY SAID THEY SAW NO CALLS FROM ME AND WE ARGUE BACK AND FORTH ABOUT IT. ONCE AGAIN THEY HANG UP ON ME!! THEY'VE CHARGED US LATE CHARGE AFTER LATE CHARGE AND THEN LATE CHARGES ON TOP OF LATE CHARGES! I JUST DON'T KNOW WHAT TO DO?! MY HUSBAND FINALLY WENT BACK TO WORK. HE ALSO HAD TO CALL HIS DAD BECAUSE THE MORTGAGE COMPANY WAS THREATENING TO TAKE OUR HOME- HIS DAD IS XXXX YEARS OLD AND HAS NO EXTRA MONEY BUT LOANED US IT ANY WAY PUTTING HIMSELF BEHIND ON ALL HIS BILLS~!! WE WERE ONLY ASKING FOR HELP THRU THE MORTGAGE COMPANY FOR 3 REASONS 1. ) IN FEAR OF LOSING OUR HOME 2. ) THEY OFFERED COVID19 HELP 3. ) WE NEEDED HELP DUE TO COVID 19. PLEASE HELP THANK YOU
Consumer complaint received 2018-08-01
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)

XXXX has opened an account using my information to report misleading and inaccurate information on my credit report. I never entered into any contract or signed any documents or made any agreements with this collection agency. They have no right the furnished any information on my credit report. I never gave them any permission to. They should be shut down. They are taking advantage of XXXX VETERANS like myself. They are adding stress to my life and is making it impossible for me to obtain credit. I have only few weeks to purchase a home but XXXX is making impossible by reporting misleading and inaccurate information or my credit report. Please remove this fraudulent information from each credit bureau XXXX, XXXX, TransUnion.
Consumer complaint received 2018-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

on XX/XX/XXXX there were charges made to my XXXX XXXX Credit Card without my knowledge. This card was previously paid off and I seldomly use it. I received no communication that there was an outstanding balance on this card or that it had become past due until XX/XX/XXXX. Once I was made aware that there was a past due amount I paid it immediately. I specifically asked why I wasn't notified earlier and the representative told me they were unsure, and that they send monthly statements. I never received these statements, I then asked them if this would show on my credit since the charges were from so long ago, I was told that it shouldn't effect me and that it wouldn't be reported since I was bringing my account current. Shortly after this I noticed that they had reduced my credit limit severely but I didn't think much of it since I rarely use the card.Then in XX/XX/XXXX I applied for a home loan and was informed that I had a derogatory remark on my credit from XXXX XXXX in XX/XX/XXXX. I immediately knew what it was from, I've been in contact with XX/XX/XXXX and they insist that there is nothing I can do to remedy this situation other than for me to file a dispute with the credit bureau. I've asked repeatedly for a letter of deletion and they refuse to write one, but they were willing to notate the account stating that if the credit bureau contacted them, they would accept fault and allow the delinquency to be removed. Currently this issue is causing problems for me financially, and making it difficult to get approved for a favorable home loan.
Consumer complaint received 2022-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Inquires XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2018-08-01
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. (WA)

XXXX has opened an account using my information to report misleading and inaccurate information on my credit report. I never entered into any contract or signed any documents or made any agreements with this collection agency. They have no right the furnished any information on my credit report. I never gave them any permission to. They should be shut down. They are taking advantage of XXXX VETERANS like myself. They are adding stress to my life and is making it impossible for me to obtain credit. I have only few weeks to purchase a home but XXXX is making impossible by reporting misleading and inaccurate information or my credit report. Please remove this fraudulent information from each credit bureau Experian, XXXX, XXXX.
Consumer complaint received 2022-10-28
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. (PA)

To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is a follows Name : This is my legal name : XXXX XXXX XXXX Please delete other references names as they are not mine and I have never used any of them Address : please be sure that address is listed correctly. My address should be read : XXXX XXXX XXXX, XXXX PA XXXX Employer- N/A Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my identification card, for your verification.