davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-17
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. (MI)

My name is XXXX XXXX XXXX and I am sending this complaint to address the inaccuracies on my credit report provided by Experian and As I reviewed my recent report, I have found an erroneous information reporting on my Experian Credit Report. I am not sure if you have conducted a thorough investigation for this item : XXXX XXXX XXXX : {$13000.00}
Consumer complaint received 2019-01-12
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (MD)

XX/XX/XXXX submitted a request for short sale approval loan care loan # - XXXX, poc contact # XXXX   XXXX XXXX  XXXX ; email - fax to XXXX, XXXX, or XXXX, XXXXt ; XXXX LoanCare closed their review file in XX/XX/XXXX stating documents needed were not received. The package was sent again on XX/XX/XXXX. The documents were complete, customer service verifies verbally they see the documents but loss mitigation is prompting the system that the docs are needed There is a ready willing and able buyer trying to close by month end XX/XX/XXXX ( we could have closed in XX/XX/XXXX providing further legal resolve ) and the first lien approval extended once already is about to expire. We need to get to closing before foreclosure.

Loan Care is not processing the file competently and we need them to be accountable for the delay, process the file and provide a response asap.

please help XX/XX/XXXX has been processing the short sale for settlement and has all communications documented.

We simply need this bank to process the documents and provide a response asap.

also, banks do not understand the legal listing agreement. they request extensions to this document when they are not needed. Paragraph 4 clearly states the agreement is valid if a contract is entered prior to the listing expiration. please help all banks understand this as it causes delay transaction after transaction.
Consumer complaint received 2023-04-03
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: EQUIFAX, INC. (NY)

A XXXX XXXX XXXXXXXX credit card is listed on my credit report and I am named as an authorized user, however, I do not have a XXXX XXXX XXXX credit card. I called XXXX XXXX  XXXX and let them know and they said they would take action to get this removed from my credit report. I also called XXXX and they said they would do the same.
Consumer complaint received 2022-03-14
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: AMERICAN HONDA FINANCE CORP (IA)

My leased vehicle is at the end of it's lease and I am trying to purchase the vehicle. I have been trying to call Honda Financial Services for the last week to get a payoff amount for the vehicle because the company who is doing the financing needs this information. This information is not available online and XXXX states I need to call in to obtain. I have been called multiple times and have been put on hold for over one hour. I do not have the time to continue to call in and wait and there is no indication from XXXX on how long the wait times are and there is no option to schedule a call back. 

I've tried alternative routes through the phone such as not entering my account information and the automated system tells me that they are not open. These call have taken place during their normal business hours so this appears they are trying to avoid customers who do not have their account information available. 

This is very concerning that I can not get ahold of anyone to take care of a financial matter. This is most likely costing me money in interest and other fees and is unacceptable.
Consumer complaint received 2019-09-09
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. (CO)

XXXX ; Experian and XXXX   are reporting incorrectly ( 120 ) days late on the USD/XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments, however this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this, however I have been unsuccessful.
Consumer complaint received 2020-02-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC. (MD)

I had a closed account with XXXX XXXX XXXX because they would not let me make payments on the account and had completely locked me out of my account and would not tell me how much I owed, but they continued to give me credit line increases while I was locked out, then Midland credit management bought the closed account and they keep calling me from a spoof number threatening to take me to court and damage my credit score.they are harassing me and it is affecting my home and work life.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am disappointed to discover that Experian did not amend my credit record or totally remove the fraudulent items. In my most recent correspondence with the credit bureaus, I demanded that they produce evidence supporting their assertions that the accounts I am contesting actually belonged to me. Experian still hadn't sent me any proper proof. I find it aggravating that the credit bureaus have refused my requests, violated section 605b of the Fair Credit Reporting Act, and have continued to record the disputed accounts without the necessary justification. Let me remind the credit bureaus that they are required by FCRA section 605b to delete any items and information that were obtained as a consequence of identity theft and were listed on an ID THEFT REPORT. I'm inclined to file a lawsuit against the credit bureaus to compel them to update my credit report. I'm hoping that by filing this complaint with the CFPB, the credit bureaus would act right away and entirely delete the disputed accounts from my credit report. The following elements need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

On XX/XX/2021, XXXX XXXX XXXX, Account # ( XXXX ) added a derogatory mark on my credit report per XXXX XXXX XXXX XXXX. Upon, further research, this account was transferred/sold by the original debtor, and I am not responsible for the account. Debtors ' creditor did not verify this collection and the information contained as accurate. Also, there was NO written form of communication, contract or signature for this accused debt. A bill without a signature does not validate the debt and the information contained within this collections account contains false/inaccurate information, which has been furnished too the credit bureaus illegally. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I tried over and over again ( at least a dozen times ) on XX/XX/2021 to get my 3 credit reports online through XXXX. Each time, I got a vague error message telling me that either my credit report wasn't available, or they were not able to verify me -- even though all the information I provided repeatedly -- was complete and accurate. ( I checked it dozens of times ). I then tried to contact someone at annual report.com, using the " contact us '' button provided on their website, and let them know I wasn't able to use their website to obtain my credit reports. I got a computer generated boilerplate letter in the mail on XX/XX/XXXX telling me I would have to ask for my credit reports by mail. Yes, snail mail. Really???

I then tried again to get my reports online and so far have only been able to get my Transunion report online ( which I have saved to PDF and stored ). This is what I wish to do with my other credit reports, but for some reason, I kept getting the same error message I received on XX/XX/XXXX and wasn't able to get those. Yes, I got the same ridiculous message asking that I submit a request to receive them by snail mail in paper form. Extremely inconvenient and inefficient. And horrible for the environment.

If I am supposed to have access to my credit reports for free on a weekly basis, and I don't see how I could possibly send a separate letter to each of the 3 credit reporting agencies every week. That is completely ridiculous. This needs to be resolved immediately, as there is a pressing after that requires me to have access to my credit reports in real time ( not the 2 weeks it ordinarily takes by snail mail -- especially after XXXX gutted -- and continues to try to destroy -- the USPS ).
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance {$17000.00}
Consumer complaint received 2019-01-12
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. (FL)

My XXXX  credit file shows one account twice, ( XXXX XXXX XXXX XXXX ) both are not mine. It is also reporting a delinquent account from ( XXXX XXXX ) a collection agency or debt buyer, collecting for XXXX that is not mines. I have been a satisfied XXXX customer for 8 years, I am demanding an investigation and removal of all three adverse account being incorrectly reported in my credit file
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (NV)

Unauthorized Transactions XX/XX/23 {$100.00} XX/XX/23 {$400.00} Atm cash withdraws I tried to withdrawal money from the atm on XX/XX/23 and my transactions kept getting declined stating that I reached my daily withdrawal limit. Upon checking my account I noticed my account had XXXX unauthorized withdrawals in California in the amounts of {$100.00} and {$400.00} totaling in {$500.00}. I contacted Way2Go customer service and the representative was very rude and kept insinuating that it was me and there would be nothing they could do. She still did file the claim for me which I never received my paperwork to send in which they automatically denied my claim nor did I receive a new debit card. Ive had to call them over and over to get the investigation results, which is where they didnt investigate. After months of calling I finally received my new card on XX/XX/23 on XX/XX/23 I received another denial letter with absolutely no context behind it whatsoever they have not done any type of investigation theyre just going off of their own assumptions
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I am writing again in regards to the inaccurate and unknown things on my credit report. It has been days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good-standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX Dates XXXX
Consumer complaint received 2019-09-09
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. (TX)

I am filing this complaint because XXXX  has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2019-01-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TN)

Moneygram withdrew funds from my account to an unknown person. I am concerned how this person or person ( s ) were able to access my information. I closed the account and contacted my bank. I did receive a credit finally from Moneygram, however I have to prove to my bank that this was a dispute and a scam because Moneygram would not credit the second send.

I reported this to the FBI Cyber Crime unit and I want to know how my account was compromised.

Your Receiver can now collect these funds at any MoneyGram Location in the expected destination. To find a Location, please check our Locator. You should communicate your Reference Number [ or Bancomer Confirmation Number, as applicable ] to your Receiver to facilitate payment. 


MONEYGRAM PAYMENT SYSTEMS, INC. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX moneygram.com MONEYGRAM SEND This transaction is subject to MoneyGram Terms and Conditions. 

Date : XX/XX/XXXX XXXX XXXX CST Sender Information MoneyGram Plus : XXXX Name : Phone : Address : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX United States Receiver Information Name : XXXX XXXX XXXX Expected Destination : United States Receiver State : Nevada Receive Option : Cash Pickup Reference Number : XXXX ( Used by MoneyGram for tracking ) Date Available in Expected Destination : XXXX ( May be available sooner ) Transfer Amount : XXXX XXXX Transfer Fees : + XXXX USD Transfer Taxes : XXXX USD Total Cost : XXXX USD Debit Against Card : XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Exchange Rate : XXXX USD = XXXX USD Receive Amount : XXXX XXXX Other Fees : XXXX XXXX Other Taxes : XXXX USD Total Receive Amount : XXXX XXXX MONEYGRAM PAYMENT SYSTEMS, INC. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX moneygram.com MONEYGRAM SEND This transaction is subject to MoneyGram Terms and Conditions. 

Date : XX/XX/XXXX XXXX XXXX CST Sender Information MoneyGram Plus : XXXX Name : Phone : Address : XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX  XXXX United States Receiver Information Name : XXXX XXXX Expected Destination : United States Receiver State : Nevada Receive Option : Cash Pickup Reference Number : XXXX ( Used by MoneyGram for tracking ) Date Available in Expected Destination : XXXX ( May  be available sooner ) Transfer Amount : XXXX XXXX Transfer Fees : + XXXX USD Transfer Taxes : XXXX USD Total Cost : XXXX USD Debit Against Card : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Exchange Rate : XXXX USD = XXXX USD Receive Amount : XXXX XXXX Other Fees : XXXX XXXX Other Taxes : XXXX USD Total Receive Amount : XXXX USD
Consumer complaint received 2018-08-06
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. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

Bankruptcy chapter XXXX, Reference # XXXX ( XXXX, XXXX ), Bankruptcy chapter XXXX, Reference # XXXX ( XXXX, Equifax, XXXX ), Bankruptcy chapter XXXX, Reference # XXXX ( XXXX, Equifax, XXXX ), XXXX XXXX   XXXX XXXX, Account # XXXX ( XXXX, Equifax, XXXX ), XXXX   XXXX, Account # XXXX ( XXXX, Equifax ), XXXX XXXX XXXX, Account # XXXX ( Equifax ), XXXX XXXX, Account # XXXX ( Equifax ), XXXX XXXX XXXX XXXX, Account # XXXX ( Equifax ), XXXX XXXX XXXX XXXX, Account # XXXX ( Equifax, XXXX ),  XXXX XXXX IL, Account # XXXX { XXXX ), XXXX XXXX, Account # XXXX ( Equifax, XXXX, XXXX ), XXXX XXXX, Account # XXXX ( Equifax, XXXX, XXXX  ).
Consumer complaint received 2022-07-27
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My credit monitoring services recently notified me that XXXX XXXX had made hard inquiries on my credit report to all 3 of the credit bureaus. 

I have not applied for any type of credit with XXXX XXXX. 

I called XXXX XXXX to get more information and they told me they didn't know anything about it and that I needed to write a letter to each of the credit bureaus.
Consumer complaint received 2023-08-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC (CA)

At exactly XXXX XXXX time on XX/XX/2023 I called the loss mitigation department of Cross Country mortgage to receive an update on my forbearance request. The gentleman that answered seemed to be working from home with a poor phone connection, I provided my information and he was demeaning, rude and told me I should have paid my mortgage, I asked to speak to a supervisor and he talked over me rudely and caused high-anxiety in front of my daughter as we are already going through a stressful time. I later called back and spoke with another another Crosscountry representative that said the previous agent did not code my account so he would have to escalate to find out who took the call. I also shared my concerns with Crosscountry rep initials XXXX, and XXXX to have them share this concern with leadership, my blood pressure is at XXXX from this terrible experience.
Consumer complaint received 2019-09-12
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. (NV)

I have made several attempts to dispute incorrect information on my credit reports regarding XXXX. I sent several letters to all 3 credit bureaus as well as XXXX asking for this account to be removed from my credit bureaus. XXXX never responded to my complaints. They, nor XXXX, Equifax or XXXX provided proof that I ever had an account with their company but they all continued to report the account as accurate. I would like these companies to provide me with written proof of any contract that I ever signed with them. If they can not provide me with proof, I would like it removed from my bureaus.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Consumer complaint received 2022-07-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.