davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-30
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: EQUIFAX, INC. (NC)

On approximately XX/XX/18 when checking my credit report i noticed an unauthorized hard inquiry from XXXX on BOTH my Equifax nad XXXX credit report that i did not AUTHORIZED. 

I spoke with the XXXX Fraud department by phone once i was notified of these unauthorized hard inquires. 

after being asked security questions by XXXX i was told they will contact the Credit bureaus and have those Hard Inquiry 's removed and my report will reflect that in 30 days, it have been 3 months and it appears i was lied to and deceived by XXXX. 

They did not remove those unauthorized hard inquires from Equifax and XXXX but allowed it to stay to intentionally hurt my credit score. 

I contacted both Equifax and XXXX on XX/XX/2018 and was told XXXX never contacted them.
Consumer complaint received 2024-02-24
Product: Credit reporting 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. (RI)

XXXX is been reporting an inquiry by XXXX XXXX XXXX, on XXXX. I had no business with this company, neither or authorized any used of my credit file.
Consumer complaint received 2018-11-10
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. (KS)

I have had numerous issues with Experian. In XX/XX/XXXX, I spent hours trying to get a credit freeze and had to submit numerous documents such as copies of Drivers license, bills, etc., to prove who I was. 

Finally in XX/XX/XXXX, I got a letter from Experian sent to my correct address. 

Then In XX/XX/XXXX, I requested a credit report from XXXX   and found out that I might have been the victim of identity theft. 

The letter I got from Experian was sent to an address I had quite a while ago. So, they have corrupted their files between XX/XX/XXXX and XX/XX/XXXX of this year. 

I tried to get this fixed by filing a dispute online with them. And they wouldn't let me provide the information. I kept getting error messages. 

I shouldn't have to waste hours and hours of time not to mention the aggravation and concern with sending private documents in the mail to these companies. If they are making money off of me, the least they can do is be sure the information they provide is accurate and not make me jump through hoops regarding my own information! 

Anyway, please see to it that Experian gets its act together and changes my address back to the correct one. 

Thanks, XXXX XXXX XXXX
Consumer complaint received 2022-05-03
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # 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 2018-07-30
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: BARCLAYS BANK DELAWARE (CA)

I have 3 credit card accounts with Barclay Cards each with a great history of use and payments to them. 

Recently, while on a 2 month vacation/work trip out of the country, another credit card in my wallet ( with another company, not Barclay ) was stolen and many charges placed upon it. This caused a cascading effect whereby I had to close that stolen card account, and depend upon my Barclaycards while in XXXX. Additionally, I had to shift my monthly automatic charges that were on the stolen card, onto my Barclay Cards. Things such as monthly storage units, online subscriptions, and several other auto pays were linked to this card. 

The automatic monthly payments I had previously arranged with my bank and had been paying to Barclay beyond the monthly minimum payments to Barclay were now not covering the minimum during this brief period. This caused my balance on my Barclay Cards to ramp up quickly, plus Barclay charging me additional late fees because my payments were below the minimum due. My intention was to stabilize everything when I returned from XXXX. Upon return, I immediately paid the past due amounts. However, without notice, as soon as I had sent them payments, Barclay also lowered my credit limit and now the card I was relying upon to pay some of my monthly autobills that I had shifted to it was no longer covering those obligations and I was then subsequently being charged late fees from these other companies and causing cancellations of services ... a whole cascading effect. I was unaware of what was occurring since I was under the impression I still had about {$5000.00} of available credit available with my Barclay Card to get through this rough patch. To compound issues worse, as  soon as I returned from XXXX, I have been dealing with a medical issue and dealing with all of this unwinding has had to be delayed. I had since discovered that Barclay lowered my credit limit without prior notification and reached out to them to restore the credit limit yet they flatly refused. 

Bottom line, I have had a long relationship with Barclay, have been making regular payments in excess of my monthly minimum for years, up until this circumstance. Yet a Customer Relationship with Barclay seems not to matter to them, regardless of history, regardless of their outrageous interest rates of over 25 %, regardless that they had charged fees for things that they themselves had caused. I am done with Barclay!
Consumer complaint received 2018-11-10
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. (NC)

On XX/XX/2016 a credit card was opened in my name thru XXXX XXXX XXXX. Card was used and maxes out to the limit which was {$300.00} I believe. Total charge amount is {$430.00}. I did not open this account. Someone had my info and opened it. The account was closed in XX/XX/2016. And left on my credit report to damage it. Please fix this for me. Thank you
Consumer complaint received 2020-10-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital one has never notified me of my right to dispute the validity of this alleged debt pursuant to 15 usc 1692g, and they also never disclosed to me that they were a debt collect nor that their communications were an attempt to collect a debt pursuant to 15 usc 1692e. ( 11 )
Consumer complaint received 2019-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (GA)

OnXX/XX/XXXX I took out a personal loan with Wells Fargo with terms of 60 months ( 5 yrs ), monthly payments {$240.00}, due on or about the 17th through 19th of each month. I paid each month by the required date, and in XXXX, XXXX, I paid the remaining balance of {$2300.00}. To date, since XXXX, XXXX, Wells Fargo still has it reported to all three credit agencies that I have paid on time, is up-to-date, but has only paid 77 % of this loan. On the credit reports, it shows paid each month, with a last payment of XX/XX/XXXX, but that the account is still active. I do not owe Wells Fargo any money on this account. The account was closed upon me paying it off on XX/XX/XXXX. I have notified the bank several times to report this to the credit agencies, but to date, Wells Fargo has not submitted this information.
Consumer complaint received 2020-01-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (IL)

I submitted a complete loss mitigation package to Mr. Cooper on XX/XX/XXXX. On XX/XX/XXXX, Mr. Cooper sent us a denial to our loss mitigation request stating that they did not receive the request prior to 37 days of the scheduled sale date. They did receive the request 38 days prior to the sale date and I have an email confirmation stating that. On XX/XX/XXXX I submitted a complaint through the CFPB portal regarding this. On XX/XX/XXXX, I received a response to my complaint where Mr. Cooper acknowledged that they did in fact receive my application for loss mitigation outside the 37 days, however they are now claiming they did not receive a complete package. 

I responded to their answer on XX/XX/XXXX asking what was missing from the application package as I had sent everything that was requested on their website. I also informed them that on XX/XX/XXXX, in my online account when I clicked on " Online Application '' I received a pop up stating " We have enough information to expedite your application to underwriting, would you like to submit? '' On XX/XX/XXXX I received a response to my XX/XX/XXXX letter and Mr. Cooper failed to respond to anything in my letter. I am asking that they address this complaint and review my account for loss mitigation options as they should have done in XXXX.
Consumer complaint received 2020-06-03
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. (IL)

Equifax ; XXXX  and XXXX  should not be reporting lates in XXXX and XX/XX/2020 on the XXXX XXXX partial account number ****XXXX. ( Please see pages attached from my credit report. ) I contacted the lender and make specific arrangements for deferred payments due to my inability to pay during the Corona Virus Pandemic. I was assured by the representative that I spoke with that I would NOT be charged any lates and that no lates would be reported on my credit report. Unfortunately, they did not keep their word on our payment arrangement and reported the lates to the bureaus any way. This false reporting of lates is seriously harming my credit score and these lates need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2018-11-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have written to all major credit reporting agencies ( XXXX, Experion, XXXX ) requesting that they verify and validate the information on specific items in question. The purpose of the letters were for verification and accuracy due to discrepancies being reported. I have attached a copy of a few of the letters i sent via certified mail as proof of compliant and non compliance. 
I also requested that all of this was to be done following specific sections of the Fair Credit Reporting Act ( FCRA ) assuring that I provided as you can verify via my letters. All of the credit reporting agencies failed to provide a valid response to my request and responded with a blanket statement saying the account was verified. The following section ( s ) of the FCRA were blatantly ignored and are currently damaging my credit scores resulting in monetary and emotional distress. Section 609 ( a ) ( 2 ) & 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) have been blatantly ignored as all of these agencies have not provided a reasonable source of their method of investigation or verification. In all cases, they have used outside sources ( third party ) and not the direct creditor to verify, These shortcuts are blatant violations and as an end result should be deleted. The law is very clear as to the Civil Liability and the remedy available to me under Section 616 & 617if they fail to comply with Federal Law, which they have. Additionally, I requested that all inquiries that are not current accounts be verified and if unable to provide reasonable verification be deleted.
Consumer complaint received 2018-11-10
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 — Their investigation did not fix an error on your report
Company: NCB Management Services Inc. (CA)

XXXX has been non-compliant with removing the unverified account NCB MANAGEMENT SERVICES , INC. which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXXNCB MANAGEMENT SERVICES , INC. was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-07-30
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. (MS)

On XX/XX/2018 I mailed the credit bureau a letter requesting them to remove dismissed & unconfirmed bankruptcies from my credit report. I stated that I was outraged that their company continues to maintain multiple dismissed ( filed ) bankruptcies as confirmed on my credit report. These unconfirmed, unverified, and dismissed ( filed ) bankruptcies have stopped me from obtaining credit. I know for a fact these companies receive information on bankruptcy from a third party system known as a XXXX XXXX. The XXXXXXXX XXXX is inaccurate and incomplete since the XXXX XXXX does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it the credit bureaus policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from date of adjudication or date of order of relief.

Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. They have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act they delete this from my credit report and send me an updated copy.

Considering this does not require an investigation, I would appreciated an updated copy of my credit report showing no bankruptcy within two weeks from the date you receive this.
Consumer complaint received 2018-03-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (GA)

We refinanced our home with XXXX XXXX on XX/XX/XXXX / now Wells Fargo Bank. After paying our last house note and the principle balance on XX/XX/XXXX, on the XX/XX/XXXX all these funds were placed in a unassigned funds status and our account has been handled as if we are late paying the last payment with interest being added daily on the unpaid balance ( which has already been paid ). We have talked to numerous customer service reps. and three ( 3 ) different supervisors, who all have given us the same run-around and no one has followed through to finalize this account as a paid in full account. In the beginning of the problem, Wells Fargo said the problem was that there was a missing payment from XX/XX/XXXX ; only to find that that payment was sent by XXXX XXXX Georgia, a grant program we were able to take advantage of during a time of hardship. That program lasted 18 months and the payments to Wells Fargo was turned back over to us after that time. Since that time, we have not missed a payment. We were told that the payment they thought to be missing has been located and we would be hearing from the mortgage dept. within one to two days to finalize this account as paid in full. That person I, spoke with ( XXXX, Code # XXXX ) told me that the payment was misplaced because it was sent to the original account number which was changed after Wells Fargo took over XXXX XXXX. It is now XX/XX/XXXX and that has not happened ; and the people we've talked to have not gotten back with us as promised ; nor can they be reached any longer. We now keep getting new people who start the same run-around over and over again.
Consumer complaint received 2018-11-10
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX has been non-compliant with removing the unverified account KOHLS/CAPITAL ONE which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that KOHLS/CAPITAL ONE was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2019-09-03
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 have Bankruptcy chapter XXXX-discharged - XXXX on my credit report. 

Date Filed was in XX/XX/2011 It's old account, the law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, it is only fair that in accordance with Section 1681 ( a ) ( 5 ) of the FCRA you delete this information from my credit report and please send me a updated copy when it is completed. Considering that this does not require an investigation, I would appreciate your response within 2 weeks from the date you receive this letter.
Consumer complaint received 2019-08-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (OR)

In XX/XX/XXXX, Rash Curtis associates added a debt to my credit claiming that I owe them nearly {$3000.00}. They claimed that this debt is several years old and has never been paid. This debt was actually paid for by my insurance in XX/XX/XXXX, from a XXXX that happened XX/XX/XXXX. They have been bullying me and claiming false accusations even after calling XXXX XXXX and getting a claims summary and providing it to Rash Curtis. It has been a month since I have contacted and provided proof of payment, all they tell me is to wait another week and continue to push me away without solving anything and adding to the collection of debt they believe is owed.
Consumer complaint received 2022-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (SC)

Ive been trying to dispute this account through National Credit System since its on my credit report. I have never receive any notice from the apartments thats I used to live that I owe anything. I was never late on rent and left in good terms. Contract was never broken and the 3 months were given before we move out in XX/XX/2018. Ive been trying to dispute this and this company keep denying stating is my account and all the information is accurate but they dont have anything to prove its mine. I contacted this apartment complex but they sold it 3 yrs ago and name have change and they dont know who previous owners are. I send through mail a letter to National Credit System requesting information about this account and I havent receive any response back. I also call and request information to be email or send my mail and the lady told me they dont have anything to prove this account was mine. I request to speak to a supervisor and she told me she was busy that she will call me back and till this date Nobody have call me back. I keep disputing this and it keeps getting reject it. If they dont even have anything to prove this account is mine and there is no way to get in touch with those apartments owners how Im supposed to pay for something that not even they know if is mine or not. My credit shows were they report my payments as excellent never late so how I owe anything. We left un good terms and I never received any letter or call from this apartments that I owe anything to them either. When I go to their website and search for the account they have for me its not even bringing anything up.
Consumer complaint received 2018-07-30
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bursey & Associates, P.C. (AZ)

Bursey & Associates ( or a law office affiliated with the ) called me at my employer and stated that they tried to reach me " 15, 16, 17 times '' in person at the address of XXXX XXXX XXXX XXXX, XXXX AZ, XXXX ( the residence of my parents ) to serve me a lawsuit over a credit card debt of {$600.00}, saying that only once " an old woman peeped through the door and said she didn't know where I was. '' This is inaccurate, since my mother and father said no one ever attempted to reach out to me at their residence at any time. I told them that I would meet them at XXXX that day, to which they replied that " well we tried meeting you at XXXX XXXX, XXXX XXXX, XXXX XXXX ... '', to which I responded that I would absolutely meet them the next day at XXXX. However, no one showed up to my parents residence, but XXXX days later, someone STILL showed up my work and served me with a lawsuit.
Consumer complaint received 2019-09-03
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. (GA)

please remove i have letters and emails attached that show no proof of me attending the school that is all rolled up into my student loans - my experian report stated that i agreed in writing that it was removed in error and i never agreed to any sort of thing i need proof of this what is showing in writing