davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

There are several accounts reporting on my credit file that does not belong to me Incorrect Personal Information : Name : XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX Equifax XXXX Name : XXXX XXXX XXXX XXXX Equifax XXXX Address : XXXX XXXX XXXX XXXX ( TU ) Address : XXXX Fall XXXX XXXX XXXX XXXX XXXX Address : XXXX Old XXXX XXXX XXXX Experian XXXX Address : XXXX Steam Engine Way XXXX ( Equifax XXXX Address : XXXX Saint XXXX XXXX XXXX XXXX The following accounts have incorrect late status reporting : XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$23000.00} XXXX XXXX ; Experian, Equifax XXXX XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$9800.00} ( TU ; Experian, Equifax XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$0.00} ( TU ) There are several items reporting that does not belong to me. These items are a result of identity theft : FIRST PREMIER - Date Open : XXXX ; Bal : {$450.00} ( TU, Experian XXXX Equifax XXXX XXXX - Date Open : XX/XX/XXXX ; Bal : {$910.00} ( Experian XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX ) - Date Open : XX/XX/XXXX ; Bal : {$910.00} ( TU ) XXXX ( XXXX XXXX XXXX ) - Date Open : XX/XX/XXXX ; Bal : {$1000.00} ( TU ) XXXX ( XXXX XXXX XXXX ) - Date Open : XX/XX/XXXX ; Bal : {$620.00} ( TU ) XXXX ( XXXX XXXX XXXX ) - Date Open : XX/XX/XXXX ; Bal : {$2400.00} ( TU ) VERICREDSOL - Santander Consumer XXXX - Date Open : XX/XX/XXXX ; Bal : {$9000.00} ( TU ) Eastern Account System - Gastroenterology Anesthesiologists XXXX - Date Open : XX/XX/XXXX ; Bal : {$270.00} ( Experian ) Midnight Velvet - Date Open : XX/XX/XXXX ; Bal : XXXX ( Experian XXXX Equifax XXXX The following Public Records are not my public records : XXXX XXXX Bankruptcy Dismissed - Date File : XX/XX/XXXX ( TU, Experian, Equifax XXXX XXXX XXXX Bankruptcy XXXX - Date File : XX/XX/XXXX ( TU, Experian, Equifax XXXX XXXX XXXX Bankruptcy Dismissed - Date File : XX/XX/XXXX ( TU, Experian, Equifax XXXX The following are unauthorized inquiries : Fifth Third JPMCB Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card
Consumer complaint received 2020-07-26
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: Experian Information Solutions Inc. (NJ)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute sent XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2020-07-26
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. (HI)

I call Experian to Dispute this account ... And I requested XXXX. Told them this was a fraudulent account. I I sent the identity report ... They told me I couldnt request the information. Im Asked them are you denying me this information, he said yes and I said if I contact the attorney general and CFPB they are going to say the Same thing. This account is a charge off account but contains a monthly payment That is not possible, please delete. This account is labeled a collection but it is reporting a past due balance. I have full faith in Experian to be an outstanding model company and remove delete
Consumer complaint received 2022-07-22
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. (GA)

I recently disputed a Bankruptcy from my consumer report because, I notice some inconsistent data points being reported. 

1. As reported, the item US Bankruptcy Court does Not have an exactly matching Data Furnisher/Creditor Contract address location. XXXX shows ( U.S Bankruptcy Court ), XXXX ( US Bankruptcy Court GA XXXX ) and Equifax ( Federal ). 

2. The date filed and reported shows XX/XX/2022 with XXXX and XXXX but shows XX/XX/2022 with Equifax. 

3. The reference for XXXX is ( XXXX ), XXXX ( XXXX ), and Equifax ( XXXX ) which is Inconsistent as well. 

4. XXXX and XXXX Reports a closing Date of ( XX/XX/2022 ) and Equifax reports nothing. 

I am not disputing the bankruptcy because of verification purposes, I'm disputing the bankruptcy because of the wrong information being collected by each credit reporting agency, causing this bankruptcy to be inaccurate.
Consumer complaint received 2020-07-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (FL)

My sister was staying at a property that I owned. The agency called on XX/XX/XXXX and told me that I had a cable account with a balance that was placed with them. I told them I didn't live there so that is not possible. I asked if they are sure it is in my name, they said yes it is in my name. I called them back on XX/XX/XXXX, they confirmed a second time that the account is in my name and that I owed the balance. I contacted the cable company XX/XX/XXXX and was told that is not correct and that they account is not it my name for the service address and phone number the collection company was referring to. I think they just looked up and saw that I owned the property at that time and deceived me that I owed a balance.
Consumer complaint received 2018-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LD Holdings Group, LLC (GA)

My mortgage company loan Depot is not reporting my mortgage payment I reaffirmed my loan after my bankruptcy was discharged they charge me a fee for doing so XXXX and XXXX they have not yet reported my loan payment my mortgage to either credit bureau please help
Consumer complaint received 2020-07-25
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. (CA)

All three credit reporting agencies are running inquirys w/o my consent. Experience at XXXX XXXX CA has been running my credit reporting routinely even twice to three times a month for unknown reasons to me. A wrong social security number has been added on my credit report personal information stated as XXXX. This is incorrect. Credit management services company is posting a balance of {$93.00} this is not my account States the acct was opened on XX/XX/XXXX with XXXX XXXX. We are in XXXX XXXX CA area and charter is not an option in our new place of domicile. A victim fraud altert statement was modified w/o my consent on my experian report adding an unknown number as XXXX and adding a statement to make contact with this unknown number to me each time credit request is submitted, and each time changes are made eff : XX/XX/XXXX. I did NOT ADD THIS STATEMENT TO MY CTEDUT REPORT. IT IS A XXXX -XXXX FAMILY WHI IS STALKING & HARASSING ME THEY ARE CON XXXX AND VERY DANGEROUS. NAMES INVOLVED : XXXX, XXXX, XXXX, XXXX, XXXX ( former leasing agent ), XXXX XXXX A VICTIM OF HATE CRIMES & THESE PEOPLE ARE TARGETING ME FOR HARASSMENT & FRAMING PLOTS, per OCSD in CA.
Consumer complaint received 2018-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My Ch XXXX was filed in XX/XX/XXXX and paid in full and discharged in XX/XX/XXXX. It shows discharged with the 3 CRA 's and I'm not disputing. Just please asking for the information to be early exclusion.
Consumer complaint received 2018-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

I disputed unauthorized hard inquires XX/XX/XXXX and XX/XX/XXXX. Indeed, no formal documentation to support these unauthorized hard inquires. I just ask the following inquiries be removed immediately. 


1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-07-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (FL)

I have a loan from my house with UWM. On closing day everything was fine, the house insurance was fine and everything seemed perfect. They never called me to tell me something was up. Then I received a check from the home insurer and called. I was notified that the insurance had been canceled. then call UWM and notify me that the insurance if it was active it had an amount but it was for the taxes that I paid them through the page and everything should be fine. I trusted what they told me but then here in my direction there was an ice rain and my roof was damaged and I called the house insurance to repair it and they told me that we don't have insurance. It is irresponsible I trusted the word of the representative who attended me. and it turns out my house is uninsured.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I am writing to express my continued frustration and disappointment regarding the lack of progress in resolving the fraudulent items on my account, despite numerous attempts to address the issue. 

As I have previously communicated through multiple channels, including phone calls, emails, and in-person visits to your branch, there are unauthorized transactions appearing on my account statement that I strongly believe to be the result of fraudulent activity. Despite providing all necessary documentation and information to support my claim, the fraudulent items have not been removed from my account. 

This prolonged delay in addressing the issue is unacceptable and has caused undue stress and inconvenience on my part. Not only do these fraudulent transactions compromise the security of my account, but they also undermine my trust in your institution 's ability to protect my financial interests. 

I urge you to prioritize this matter and expedite the process of removing the fraudulent items from my account. Additionally, I request regular updates on the status of the investigation and the actions being taken to rectify the situation. 

Furthermore, I expect your institution to implement stronger measures to prevent similar incidents from occurring in the future and to provide better support and assistance to customers who are victims of fraud. 

Failure to take immediate action to resolve this matter will leave me with no choice but to escalate this complaint to the relevant regulatory authorities and seek legal recourse to protect my rights as a consumer. With this, I am asking for your assisstance to remove these fraud items in my credit file : 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 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 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
Consumer complaint received 2022-06-15
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MN)

In XX/XX/XXXX my husband was in the hospital with XXXX XXXX and I reached out to our mortgage company to get advice. I declined refinance and forbearance at that time due to thinking my husband would get better and come home. In XX/XX/XXXX I called back to our mortgage company Mr. Cooper and spoke with the same representative and had our mortgage put in a forbearance as my husband was then XXXX XXXX XXXX I was told the exact same thing as in XX/XX/XXXX that at the end of the forbearance I could either pay the back payments or get our payments deferred and put onto the back of the loan with zero interest or penalties. In XX/XX/XXXX before the Forbearance was coming to a end I called to speak with them and have the deferment of payments put on the back of the loan due to the fact that my husband ended up passing away XXXX XXXXXXXX. At that time I was told I was not able to have a deferment and that I needed to apply for a loan modification which would help me lower my interest rate and monthly payment making it easier for me. They sent me it's me the paperwork immediately and I filled it out and mailed it back with all proofs and verifications that they needed. They continued to string me along and ask for documents over and over that I had already mailed in multiple times and this went on from the beginning of XX/XX/XXXX until the XXXX week in XXXX of XXXX. On Saturday XX/XX/XXXX I received a text message from Mr Cooper which prompted me to check the Mr Cooper app which said my application for my loan modification was denied and I needed to come up with over {$27000.00} in back payments. I called immediately Monday morning in distress and the lady I spoke with said that wasn't accurate and it was approved and I will be receiving a packet in the mail and it'll benefit me and help me with lower interest and payment. I went out and got the mail and the packet was in there however it was the complete opposite. They want to raise my interest rate and monthly payment. I called again and spoke to another lady as I have not 1 time been able to speak with or get ahold of my loan specialist through this entire process. This lady said what I was told initially sounded correct I should have been offered a deferment of payments and didn't understand what was happening. She then put me on hold and spoke with superiors and colleagues and said she was wrong however was going to put in a email to the loan modification department to re-look at this and she would call me back by Wednesday XX/XX/XXXX or Thursday XX/XX/XXXX. I have received as of now no call except a message from a different random lady about calling to settle this. I call back and can not get the lady on the phone I spoke with on Monday XX/XX/XXXX about this mess. I was advised to call HUD which I have and also was advised to file this with you. Anymore questions please let me know
Consumer complaint received 2023-03-27
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)

I completed a identity theft report with the FTC and Equifax, XXXX, and XXXX are still reporting the alleged account. Below is the law all ( 3 ) credit reporting agencies are in violation. 
15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency
Consumer complaint received 2020-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/2020 I attempted to create an online account with Wells Fargo to view my mortgage payment history but was prevented for security reasons. It took me over an hour on the phone to determine why. Wells Fargo 's system erroneously populated a disconnected phone number associated with my co-signer on her old satisfied loan. I was told I'd have to wait for a letter via US mail to grant me access to my information and history online. 

I waited 10 business days and never received it. 
I contacted Wells Fargo again via their website. 
I never received a reply. 

If and when the Post Office loses my mortgage statement, I should be able to access MY information online and not spend hours on the phone with Wells Fargo staff.
Consumer complaint received 2018-04-30
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ERC (GA)

I am a victim of identity theft, company XXXX XXXX XXXX has been reporting negative XXXX XXXX account that is not mind this company is violating my rights this Account XXXX was dispute on all 3 credit bureaus and remove,XX/XX/2017 this company is out of order.
Consumer complaint received 2023-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo has had the tendency to randomly put my deposit funds on hold because they exceed XXXX dollars. They say it's policy to hold funds over that amount but when I use another account they don't put holds. I feel either its a rule or not a rule, because it gives them their own justification base on the mood their in to execute hold on people 's account. It's never been for status of my acct. this is my 10th deposit they put a hold on a check and my notice is the next day to my email. Not during my deposit transacrion where it says my funds will be available next business day. It's been several times during my night shift hours that I submit payments at XXXX XXXX in the morning to come to read an email at XXXX in the morning that my funds are on hold. Lastly, technology is so advance, I have verified where some of my checks have been pre process with verification and deduction of funds have been made from my customers banks and Wells Fargo knows, yet they still extend hold for a full 14 calendar days. If they do this to millions of customers, they are prolonging customers withdraws ; how banks are right now, what is stopping us from thinking they are holding funds because they don't have excess funds to issue during this crisis and using holds as an excuse.
Consumer complaint received 2020-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; DEPT OF ED XX/XX/XXXX
Consumer complaint received 2018-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/18 a check and letter was sent to Capital One. The letter and check stated that upon cashing the check they were entering an agreement to delete the debt from the three credit bureaus, a pay to delete. The check was cashed, electronically but they refuse to delete the debt which was agreed upon!! They refuse to cooperate with an agreement they entered once they cashed the payment. This is unfair to me, the consumer. I would expect such a reputable company to honor such agreement.
Consumer complaint received 2019-11-18
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. (UT)

XXXX XXXX is reporting a debt on my credit file that I do not owe. I refinanced this account back in 2016 to XXXX XXXX. They are reporting a past due balance along with lates. I was never late on this account. XXXX  XXXX  is in violation of FCRA. and needs to report correctly.