davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (GA)

I was a XX/XX/XXXXcustomer for 11 years and switched phone services to XX/XX/XXXX. XX/XX/2020 I switched providers andXX/XX/XXXX bought the lines over and was taking over contracts from phone and remaining balance. I am not responsible for this account and would like it removed. This is not my responsibility the contract I signed shows it was paid byXX/XX/XXXX 
Not sure how to get this resolved and if I knew this would affect my credit then I would have just stayed with XX/XX/XXXX 
Now I am receiving collections calls from IC systems.
Consumer complaint received 2022-03-07
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: WELLS FARGO & COMPANY (OH)

My personal information was stolen and compromise. I have file a police report. These account were open without my permission. This accounts are with the following collection agency :, XXXX, XXXX, & XXXX ( XXXX XXXX  {$2200.00} ) {$770.00} XXXX 's ( {$590.00} ) XXXXXXXX XXXX ( {$1900.00} ) XXXX  ( {$240.00} )
Consumer complaint received 2022-03-07
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. (PA)

this company is reporting and allow these company 's to report fraudulent inquiry to my credit. i in no way have willingly given these companies my information and or given permission to take my personal information and now allow it to report on my credit with has financially abused and hurt me! i am disputing these fraud inquiries and want them removed A.S.A.P!
Consumer complaint received 2018-12-18
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: JPMORGAN CHASE & CO. (OR)

I have contacted XXXX 4 different times regarding inaccuracy information on my credit report. There are numerous companies reporting inaccurate information to XXXX. Specifically, the inaccurate date of " last payment made. '' I contacted XXXX  on XX/XX/2018, by filing a dispute online ( File # XXXX ) and by phone on XX/XX/2018. I again contacted XXXX by filing another dispute on XX/XX/2018 ( File # XXXX ), and sending a certified letter on the same day. All of the results have been the same. They completely ignored my request and corrected the situation by changing the date updated on my credit report for each of the companies I requested the information be corrected. I believe my request is a simple one. I can not believe the total disregard to my requests. The companies reporting this inaccurate information have the burden of proving what they are reporting which they did not do. All that I'm requesting is correct information on my credit report which I am working on improving.
Consumer complaint received 2022-03-07
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. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-07
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. (TX)

Upon starting a dispute for incorrect personal information maybe ( someone else 's name ), an update was made and other names were changed to be mine and upon contacting the credit reporter, I was told that those names are reported by creditors that I've never entered business with. This is extremely concerning as they are now falsely reporting on my consumer report. The addresses of these other name variations were removed but they illegally updated those names to show as my name. I will attach my driver 's license to show proof of my identity and residence, just as I did for the reporting agency " experian ''. I asked specifically for my one true and correct name and address to be displayed and all other variations and inaccuracies to be removed. By law, this is what needs to be done. Changing other names to reflect as mine " because '' they are attached to accounts is illegal and unethical. Please ask them do their job. Correctly and follow the law as I have to follow the law.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2023-03-13
Product: Student loan — Private student loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MPOWER Financing, Public Benefit Corporation (NY)

On complain XXXX I asked MPower to clarify why I got a hard enquiry on my Credit Report. They send information about the date, but not about the hard inquiry. I have never requested a hard inquiry to be made on my Credit Score.
Consumer complaint received 2021-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (TN)

I MADE A PAYMENT TO THE CC COMPANY AND THEY CREDITED TO MY ACCOUNT AS A PAYMENT LIKE NORMAL FOR THE AMOUNT OF {$4200.00} ON XX/XX/2021. THE PAYMENT DID NOT CLEAR MY BANK SO THEY CHARGED MY ACCOUNT BACK FOR THE PAYMENT ON XX/XX/2021 NOT ONCE BUT TWICE FOR THE {$4200.00}. THE FIRST CHARGE BACK I AM NOT DISPUTING- THE PAYMENT DID NOT CLEAR MY BANK BUT THEY CHARGED IT BACK TO MY CREDIT CARD AS A CHARGE ON XX/XX/2021 TWICE FOR {$4200.00}. I BEGAN CONTACTING THE COMPANY IN XXXX. AND HAVE CONTINUED TO CONTACT THEM SINCE WITH NO RESOLUTION. THEY DID SEND A REFUND CHECK FOR SOME REASON BUT THEN CHARGED MY ACCOUNT FOR THE AMOUNT OF THE REFUND CHECK WHICH RESOLVED NOTHING ..... 

I LABELED THE ORIGANAL PAYMENT AS 1 THE CORRECTED CHARGE AS 2 AND THE INCORRECT OVERCHARGE AS 3 ON THE ATTACHED STATEMENT.
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Below are the accounts that are still reporting on my account : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (CO)

I was initially contacted by Experian credit alert on XX/XX/XXXX, and was also contacted, via XXXX XXXX credit alert, of a medical debt of {$420.00}, on XX/XX/XXXX. The date of service was XX/XX/XXXX. This bill was from a vehicle accident involving my ex-spouse and my son. My ex-spouse was not at fault and collected a settlement from the " at-fault '' insurance company ( see case # XXXX, XXXX County, Ohio ) .The divorce between my ex spouse and I was finalized XX/XX/XXXX. I stated to Commonwealth Financial Services , Inc., that this is NOT my debt. They stated to me, " Well, it has your name on it now, so you will have to pay for it. '' I asked XXXX on XX/XX/XXXX, to send me the information and proof that this alleged debt is mine. It has been 6 days, and I have not received any correspondence from Commonwealth Financial Systems Inc. 
So, my main complaints are : 1. This is NOT my debt, nor have I EVER received any kind of bill from them in SIX years since the date of service. 
2. They have NEVER contacted me prior ( EVER ) with ANY kind of communication prior to putting this alleged debt on my credit report not allowing my right of 30 days to be able to dispute it, by law. 
3. After I called them on XX/XX/XXXX, I did NOT receive any correspondence validating the alleged debt and/or proving it was indeed mine. By law, they should have sent something within 5 days! 
4. On XX/XX/XXXX and XX/XX/XXXX, illegally and knowingly accessed my credit report fraudulently, without ANY permissions from me ( written or verbal ). 
5. Lastly, according to State of Ohio Law, there is a statute of limitations of 6 years. Just one ( XXXX ) and two days ( XXXX XXXX  ), after the statute of limitations expired. So, ANOTHER law that was violated by Commonwealth Financial Systems Inc. 

So, in summary, this is either a debt owed by my ex-spouse, XXXX XXXX XXXX ( date of birth- XX/XX/XXXX ), or this is a scam. 

This " alleged debt, '' which is definitely NOT mine, has taken a serious negative toll on my credit! My credit score has decreased dramatically due to the illegal practices of Commonwealth Financial Systems Inc! I have also seen dozens, if not hundreds, of similar complaints on the XXXX, and other consumer websites, along with the State of Colorado ( where I live now ) and the State of Ohio ( where the alleged debt occurred ) Attorney 's General Office websites. How in the world is this company, even remotely, allowed to stay in business??? Continuing to use illegal tactics to attempt to scam thousands of people out of there hard earned money? Just as a side note, I currently am disputing this alleged debt with all 3 credit  bureaus. 
I just hope the CFPB can and will be able to do something about this company. 
Thank you for your time.
Consumer complaint received 2021-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (MD)

My existing mortgage with Amerisave was refinanced. The closing occurred on XX/XX/2021. Prior to closing I requested Amerisave provide the total amount owned back to me through my escrow account, overpayments, etc. ; the date I would receive the funds ; and the method of the transaction. Amerisave 's VP Customer Services ' response was he had no access to this information and to reach out to their 3rd party XXXX XXXX provider, XXXX. XXXX 's response was they could not provide the amount, said XXXX weeks to receive the funds, and the funds would be sent by snail mail. Followed up with the VP and recently XXXX of Customer Services at Amerisave and requested the amount owed, expediting the timeframe to one week, and overnight delivery. Since XX/XX/XXXX, I have given up on expediting and simply asked Amerisave provide three things : The amount owed to me A date for receipt of funds to be received The Method of delivery It's XX/XX/XXXX and Amerisave has failed to provide answers to these questions. Their consistent response is they are working to get an answer from XXXX. 
Failure to provide this information is unacceptable and while some financial institutions made and continue to make concessions to accommodate the financial strains for their clients during the pandemic, Amerisave has gone out of their way to be evasive on the most basis level of service.
Consumer complaint received 2018-12-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (VA)

I opened my Wells Fargo checking account last XX/XX/XXXX. At that time there was a {$200.00} promotion attached to the account after 3 direct deposits totaling {$1500.00}. This requirement was met by me but the bonus was not credited. I sent an online message inquiring about the status of the bonus and was informed that the bonus could not be credited because the bank was missing a form that they needed me to go into a branch and sign first. I went into a branch and signed this form. The bonus was still not credited and when I asked about it again online, I was told that I had not met the requirements. Frustrated with my Wells Fargo experience, I sent an online request to close my checking account on XX/XX/18. At that time, I had a balance of {$1500.00} in the account. A check was supposed to be mailed to home within 14 business days. 

When the check did not arrive, I sent an online message again inquiring about the status of my check and was told that I had to go to a branch to sign an affidavit. After signing the affidavit on XX/XX/18, I was told that because the branch manager was gone for the day, I would not be able to get my money that day and told to come back another day. I re-visited the branch on XX/XX/18 and was told that in order for them to process another check for me, there would be a {$30.00} fee for canceling the check that I had never received and that they would be unable to process my check that day. 

At this point, my Wells Fargo account has been closed for over 1 month but I still have not been able to obtain my own money from my own checking account. Further, not only did Wells Fargo not honor their promotion, they are now attempting to charge me fees in order to reclaim the money that I had deposited with them. Given their deceptive and highly unethical business practices, I felt compelled to file this complaint.
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Dear CFPB In addition to my recent complaint with Experian I have closely reviewed my credit reports and see the same account number reporting inaccurate. The account XXXX XXXX XXXX shows that my account is closed and paid satisfactorily and was opened on XX/XX/XXXX with the same account number listed on my report with a four year gap beginning XX/XX/XXXX reporting as a charge off with a new open date of XX/XX/XXXX for he same loan. They also skipped from 30 to 90 days vs 30, 60, 90 for the charge off, again inaccurate reporting information. 

They have failed to respond to my request and ignored my previous complaint to you. 

XXXX XXXX vs Experian they must report accurate information and they are clearly not. 

I please ask that you send this dispute. 

under 1681e ( b ) maximum possible accuracy and section 1681i which is a lousy investigation.
Consumer complaint received 2022-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

My Credit reports are showing that i have or had a mortgage account with XXXX XXXX with a balance of about {$700000.00} and it was liquidated or deed in lieu when no such debt existed with XXXX XXXX and in any event was discharged in XX/XX/2014.
Consumer complaint received 2018-12-18
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: Innovis (WI)

On XX/XX/17, CBcinnovis, hit my credit report as a hard inquiry. I contacted all three credit reporting bureaus to investigate and delete this hard inquiry from my credit reports. They have not responded back to me and I sent the certified letters through the United States postal service well over a year ago. This hard inquiry has caused me a great deal of hardship and stress I've been denied credit and my credit score as decreased drastically. According to the FCRA, the credit bureaus has a despot me the consumer, to respond in a timely manner and to report accurate, information.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.
Consumer complaint received 2022-03-07
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: Experian Information Solutions Inc. (CA)

I faxed, emailed, and uploaded all of my information regarding the Identity theft as instructed by the CFPB and none of the bureaus have responded AT ALL. XXXX sent me a letter refusing to do the investigation alleging that I wasn't me! even though I followed the FCRA instructions to the letter. I called XXXX and it turned into a sales pitch to buy there protection or their monitoring service. This should be illegal I read and learn how to follow the proper channels and the decided that unless I pay for their service Im just stuck by definition this is extortion. The big 3 bureaus have an immense power and they seem to have no police except YOU the CFPB. I need these bureaus to follow the rules and not just decide that they are not going to investigate because the form I filled out and the letter I wrote came from the internet. I choose the words that the FCRA said I should use, What is a consumer to do?
Consumer complaint received 2020-12-16
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GOLDEN EMPIRE MORTGAGE INCORPORATED (CA)

On XX/XX/2020 XXXX XXXX at signature home lending is Denying the use of and verification of monies for Grant and homebuyers assistance programs. Lender is stating they want the use of XXXX assets and or Cash on hand only.
Consumer complaint received 2018-12-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

Upon checking my credit report there is an account that has been placed in collection on my report that I have no idea what it is. 

XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2018 {$1100.00} {$1100.00} XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX This account does not belong to me and the only Bureau this is reporting to in XXXX.
Consumer complaint received 2022-03-07
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. (SC)

I sent a letter requesting that you reinvestigate the disputed Accounts from my credit report as well as update and correct these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. 

XXXX  XXXX Date Opened : XX/XX/XXXX Balance : XXXX  It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX Please check the Payment History and Status information on this account and adjust accordingly. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX Evaluate this reporting by revising the information provided. Modify and perform any corrections or CORRECT this from my file. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this fixed immediately.
Consumer complaint received 2022-03-07
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 sent a letter requesting that you reinvestigate the disputed Accounts from my credit report as well as update and correct these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. 

XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5700.00} Please check the Payment History and Status information on this account and adjust accordingly. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Evaluate this reporting by revising the information provided. Modify and perform any corrections or CORRECT this from my file. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7000.00} I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this fixed immediately.