davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I had my credit pulled for house loan application. However the credit score was quite lower than expected especially since I use credit karma to somewhat monitor my credit. I am aware that there are going to be differences, but with XXXX and transunion ( the ones XXXX uses, the gap was over XXXX points. ) XXXX had my score at XXXX about XXXX, transunion around XXXX, the credit scores that were received my home finance were XXXX and XXXX respectively. I reviewed the reason for the " low '' score and found the reasons. 
1.derogatory public record or collection. 
I was in the hospital ( XXXX XXXX XXXX in XXXX ). After not receiving a bill I called and asked. I was informed that bill was payed and no payment due. I was surprised and queried if info was correct. I was assured that no payments are due. About 2 months later I received from a collection agency a notice that I owe about XXXX $ to XXXX. I immediately called XXXX and was told, that there were XXXX accounts for me and that they had made an error. I told them that I have now a collection agency chasing me down for their error. I called the collection service and paid the outstanding amount. That was over 5 years ago and clerical errors have kept my score low!!! 
2.length of time credit has been etablished. 
I have been living for over 20 years in the US. I have had house payments since XX/XX/XXXX, car payments since XX/XX/XXXX, electric, gas, tv, cell phone bills for over 15 years. Credit cards and what have you. How long doe they want me to have credit.?? 99 % of the time I pay my bills on time, that 1 % I missed the due date which happens to the best of us. 
3.proportion of high credit on bank revolving. 
I have about XXXX $ in outstanding credit card bills, the total max/ credit limit on my cards is way over XXXX {$.00} that means I owe 20 % of maximum credit limit, how can this be a high revolving proportion of balance. 
4. Recent inquiries. 
In our days nobody has the cash to buy house or car outright. I refinanced my home, to have lower payment and pay credit cards off, and purchased a car, 11 months ago .... I ca n't see how that is a high amount of inquiries. The reporting agencies love for us to open credit cards to see that you pay them and pay on time to show you are responsibly managing your money. But then you get punished for having an inquiry on your record/ score. 
I hope you can help me out and have the situation rectified. These agencies have so much control over ones life, it 's almost criminal. I can see where people have several collections, maxed out credit cards, unpaid bills, inquiring about credit every two weeks that the score is low, but in my case it 's absolutely not the case. 
I appreciate your help!
Consumer complaint received 2022-01-22
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one hard inquiry dated XX/XX/XXXX. Showing on all my credit report. I spoke to capital one on XX/XX/XXXX, and no file of me opening a new application or any type of loan.
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. (OH)

According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED  ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX, CA XXXX THIS ADDRESS DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX THIS ADDRESS DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX THIS ADDRESS DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT EMPLOYMENT INFO XXXX XXXX XXXX THIS IS NOT MY EMPLOYER AND NEVER WAS PLEASE REMOVE THIS OFF MY CREDIT REPORT MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX, USA
Consumer complaint received 2020-11-09
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. (OH)

I have requested method of verification of " late payments '' of the account XXXX # XXXX back in XX/XX/2020 and still yet to received information as I was not late on this account. Please provide transaction history of late payments with tracking of bank account link late payment or whatever payment transactions you have available. 

Please all the parties involved investigation with names addresses, phones numbers and e-mail used to come to this determination. 

Please correct payment is history.
Consumer complaint received 2021-05-13
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)

This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Consumer complaint received 2022-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (CA)

My father passed XX/XX/XXXX and I was assigned as administrator of his estate during probate. The probate court required that I maintain the utilities at his residence where his XXXX was living during the probate process as she had made a claim to part of the estate. 
Around XX/XX/XXXX, dad 's house sold and probate court had me send a final payment tXXXX XXXX XXXX XXXX  and end services. This was done and court was satisfied. Probate was closed around XX/XX/XXXX and funds were distributed. 
Around XX/XX/XXXX, XXXX XXXX XXXX  started contacting me claiming I owed them money in the amount of about a month of service. I explained the situation to them and made it clear that I owed them no money. 
About XX/XX/XXXX I received a letter from CBE Group as an attempt to collect on the invalid debt. I responded immediately explaining that the debt was invalid. 
My response was ignored and soon after the debt showed on my credit report and the phone calls started. 
I now receive multiple calls per day by this debt collector. They use computers to assign them fake local numbers in order to dodge my spam filter and blocked phone number list. 
This is not a large debt and I have considered paying it to make them just go away, but that's what they want and I will not pay a debt I do not owe!
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

reaching out to TransUnion regarding a distressing case of identity theft affecting me. Unauthorized accounts, including a charge-off associated with XXXX, have appeared on my credit report. I emphasize no involvement with this company. Despite my persistent efforts, disputes, and provision of a detailed police report, my concerns seem disregarded. The XXXX XXXX XXXX complicates matters with fraudulent account openings. Moreover, XXXX XXXX XXXX pursues a fraudulent debt on XXXX. I urgently request TransUnion 's thorough investigation into these unauthorized accounts, notably the XXXX charge-off XXXX with tangible evidence validation. Additionally, please address CLOSED Account XXXX XXXX XXXX account # XXXX, reported as fraudulent but not removed post-closure after informing the company.
Consumer complaint received 2022-01-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I mailed a dispute letter to the three credit reporting agencies ( Equifax, XXXX, XXXX ) on XX/XX/2021. I asked the bureaus to delete six accounts because of inaccurate information between the three CRAs. Each bureau is reporting different dates for my date of first delinquency ( see attached dispute letter ). I received my dispute results back from each bureau stating that my disputed information came back verified ( see attached ) ; however I reviewed my XXXX credit reports after they verified and noticed the information did not change from my initial dispute reason with the different dates ( see attached credit reports ). I noticed that four accounts was missing the notice of dispute from the accounts I was disputing. How is three different dates from the same creditors to the bureaus accurate? How did the bureau verify false information? Why didnt the companies send the notice of dispute within 30 days? By law, they should delete inaccurate information within 30 days but yet the false reporting has continued to cause severe anguish and multiple failed opportunities to get approved for any type of credit. I need your assistance and ensure they delete unverified and inaccurate information from my credit report. 

Uploaded documents include 53 pages : Pages 1-2 : Dispute letter Pages 3-25 : XXXX credit reports highlighting inaccuracies Pages 26-29 : USPS tracking and receipt Pages 30-53 XXXX XXXX credit reports showing no change and missing notice of disputes
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2022-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

My Home Mortgage is with Wells Fargo Home Mortgage backed by XXXX XXXX, Loan # XXXX, The problems, we are having, we used the COVID-19 Forbearance on OUR mortgage. After requesting a reduction on our mortgage, we received 2 Highly ridiculous Offers : 1 ) 30 Year and 2 ) Mortgage Modification for 40 Years. I advised the employee that we have paid on OUR home for almost 12 years and paid off another home with Wells Fargo Home Mortgage, why such a Ridiculous offer. I was advised that's the best offer I can get from Wells Fargo. We fully rejected the offers. The employee continued to try and sell US on those Ridiculous offers. We advised them to STOP calling US about the offers to No comply. We get about 3 to 4 calls weekly from Wells Fargo. Most calls they calls hang up call right back 2 to 3 times daily, like a child playing on the phone. again, we advised them to STOP calling. 
Second, I advised Wells Fargo in XX/XX/2022, that We would like for the missed payments during the COVID-19 Forbearance period to be placed on the back end of our mortgage again to No Comply. Monthly we receiving letter stating that OUR home could be placed on the eviction due to nonpayment. We have never missed any payment. they are attempting to make me pay off missed payments ( COVD 19 ), instead of putting my monthly payments towards my account. 
We are looking for Wells Fargo to STOP harassing US.
Consumer complaint received 2021-05-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

My name is XXXX XXXX. I live in California. I am an existing customer of PennyMacUSA Bank. I got an email from my mortgage bank PennyMac regarding to reduce my interest rate by refinancing my loan. On XX/XX/2021 i submitted my application to the loan officer and after communicating with the loan specialist and so on i was waiting to close my loan which on XX/XX/2021 i got an email from pennyMac which was telling a decision has been made on your Loan Application then i opened my portal and i saw that they denied my credit because of too many inquiries and too many accounts with balances. I called them many many times to talk to somebody to see what's going on but every time they put me on hold and disconnect my phone call or they told me somebody will call you but so far nobody called me. First of all i had lot of inquires in last 12 months but i do not owe any thing on my credit cards. Maybe couple of XXXX dollars. beside that based on the information which they got from credit Agencies why they keep me for almost three months after wasting my time and energy they should tell me in advance. On the credit company Agencies report shows exact date of my credit run which is XX/XX/2021. Beside that my credit scores are excellent based on credit agencies.
Consumer complaint received 2018-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo allowed a payment to go through from XXXX when I didn't have the full amount to cover the payment. But did not allow XXXX payment. I have asked Wells Fargo before if the funds are not available please do not allow payment to clear. Now I have {$35.00} return fee and Wells Fargo did not return the payment. Plus Wells Fargo have a new process in place if you get paid an a purchase comes through and all the funds are not available Wells Fargo will clear the payment and not charge a fee. But I was charge a fee.
Consumer complaint received 2022-01-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I mailed a dispute letter to the three credit reporting agencies ( XXXX, TransUnion, XXXX ) on XX/XX/2021. I asked the bureaus to delete XXXX accounts because of inaccurate information between the XXXX XXXX Each bureau is reporting different dates for my date of first delinquency ( see attached dispute letter ). I received my dispute results back from each bureau stating that my disputed information came back verified ( see attached ) ; however I reviewed my XXXX credit reports after they verified and noticed the information did not change from my initial dispute reason with the different dates ( see attached credit reports ). I noticed that XXXX accounts was missing the notice of dispute from the accounts I was disputing. How is XXXX different dates from the same creditors to the bureaus accurate? How did the bureau verify false information? Why didnt the companies send the notice of dispute within 30 days? By law, they should delete inaccurate information within 30 days but yet the false reporting has continued to cause severe anguish and multiple failed opportunities to get approved for any type of credit. I need your assistance and ensure they delete unverified and inaccurate information from my credit report. 

Uploaded documents include 53 pages : Pages 1-2 : Dispute letter Pages 3-25 : XXXX credit reports highlighting inaccuracies Pages 26-29 : USPS tracking and receipt Pages 30-53 XXXX XXXX credit reports showing no change and missing notice of disputes
Consumer complaint received 2021-05-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TN)

I have file disputes over and over they keep getting denied. I would refile them and I still receive denied letters after submitted support documents. I even been trying to find a good lawyer because its been too much money used thats not authorized by me. Thank you.
Consumer complaint received 2022-04-08
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: Pacific Credit Exchange Corporation (CA)

I am disputing the account Pacific credit exchange account # XXXX the collection agency has re-aged this account according to the original creditor XXXX XXXX Account # XXXX consumer disclosure file date of first delinquency XXXXOn record until XXXX Pacific credit exchange is reporting XX/XX/XXXX On record until XXXX on my credit report. 

Under FCRA Section 609 ( a ) ( 1 ). this is a violation I have attached a copy of my supporting documentation report with the account in question circled. Thank you for your assistance.
Consumer complaint received 2023-06-13
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (AR)

I am the beneficial owner of the credit account I have with Synchrony Bank ( CareCredit ) and my account was fraudulently closed without my permission upon exercising my rights under the Bill of Exchange act that states states the only way to pay a bill is with interests and 12 USC 1431 states Powers and Duties of Banks the first duty being to borrow and pay interest, I contacted this company about information on how to indorse the credit statement to remit back to this company for set off on behalf of the principal, and I was given false information by an agent on where to send this remittance and without contacting me at all my account has been closed, my negotiable instrument has been refused which is breach of contract arbitration is being filed with XXXX XXXX XXXX for the breach of contract I also fully am aware an account connected to my social security aka trust account can never be closed it is being used for investments with this company I will motion for a securitization audit for this account. I would also like to remind this company of the protection of my personal non public information under the Glamm Leach Bliley Act which also gives me the right to completely opt out of having my personal ( or any co signer ) information reported to ANY 3rd party this will be used as evidence in court if any negative items are reported to any 3rd party
Consumer complaint received 2022-04-08
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. (KY)

I call XXXX about incorrect information on my credit report belonging to someone else. The representative viewed their data system and could not locate me and agreed to contact the credit bureaus and remove information. This was done in XXXX of 2021 for XXXX and XXXX. Yet the information is still on Experian and various investigations by Experian will not remove the information.
Consumer complaint received 2018-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Home Point Financial Corporation (OH)

XXXX XXXX XXXX is reporting 4 Late Payments ( XXXX, XXXX, XXXX, and XXXX when I was never late or even with that company. This was fixed but has reappeared on my XXXX report.
Consumer complaint received 2022-07-07
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CO)

XXXX XXXX XXXX I am writing to lodge a complaint against US Bank regarding the holding of funds and or claims against a Trust Account at the bank. The Trust account was not involved in any actions by the personal accounts of the person named on the Trust account. This person did not have access to the trust account in any manner or the account use this persons social security number. The Trust account has its own EIN number. I am the Trustee for this account and have sole access to funds. From XX/XX/XXXX XX/XX/2022, I did not have access to the funds. US Bank needs to held accountable.
Consumer complaint received 2021-05-13
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. (FL)

This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!