davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-18
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. (MS)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than XXXX times. XXXX 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (NY)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2018-09-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY (CA)

America Express Serve is horrible prepaid company. Everytime I use their card at the register and ATM I get nervous. The reason why because XX/XX/2018 purchased items card denied. Went to withdraw XXXX dollars but did not dispense but my online account for American Express Serv show the transaction did go through. I called the rep and dispute initiated. They said systems been upgrading since XXXX and that I'm not the only with this issue. Went through XXXX to get my money back was last cash I had and then this happen. Second XX/XX/2018 went to withdraw money and again did not dispense my money immediately logged online because I knew what it was going to say. Guess what yes it did say XXXX went through. I have receipt here for evidence. They have very bad reviews on XXXX and apparently I am not the only one.
Consumer complaint received 2018-09-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY (MN)

I have been contacting Wells Fargo Office of the President for the last 3-4 months trying to get a letter from them. The dates are : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( 3 times because they kept transferring my call to someone else and/or hanging up ), XX/XX/XXXX and today XX/XX/XXXX ( 2 times ... counting the time the branch manager at Wells Fargo called requesting a payoff amount for the vehicle that was charged off ). Me and my husband is in the process of purchasing a home and our closing date was set for this week but unfortunately, we have to extend it because Wells Fargo Dealership Services and the Wells Fargo Office of the President group won't accept a payoff nor will they update my credit report to reflect being a closed account with a charge off. 

On the credit report it is incorrectly reporting to all bureaus ; mainly XXXX because my lenders are a branch of them. It states that the account is charged off but it also is posting as an active account showing that I am late each month. Also, the branch manager at the Wells Fargo located on the XXXX of   XXXX stated that the payoff amount quoted is {$0.00} because the account is past the statue of limitation but their intention is to keep a balance showing on my credit report of {$5900.00} to keep us for qualifying for the home loan. 

As I continued talking to the customer service representative ( s ) for Wells Fargo Office of President, I asked if they could remove the disputes from my credit report and give me a letter to present to my mortgage lender noting that they are working on removing and clearing them off. This account as wells fargo mentioned is past the statue of limitations too. It should have been removed a long time ago! 

In addition to how Wells Fargo is reporting on my credit report, they were sued by the courts and had proposed to remediate auto loan customers of Wells Fargo Dealers Services who may have been financially harmed due to issues related to auto Collateral Protection Insurance ( CPI ) policies. I attached that letter for your review. I was one of the customers impacted by the incident. On the second page of the attached document and the last paragraph on that page it notes that Wells Fargo will work with the credit bureaus to correct customers ' credit records.
Consumer complaint received 2016-01-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I 'm a victim of identity theft as a result of this there were many inquiries made without my knowledge or consent, i have sent out numerous letters to Trans Union with supporting documents and they still have n't removed these items that clearly do not belong to me, this is very frustrating and disappointing and I need help to remove these inaccurate items, i 'm attaching the letter that i sent out to the bureaus.
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

Ensuring prompt payments on this account has always been my priority, ensuring they never lapse into overdue status. I'm puzzled by the presence of late payment remarks on my accounts. As outlined in 15 USC 1666b - Billing Error, corrections are warranted.
Consumer complaint received 2021-11-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MD)

On XX/XX/XXXX, XXXX XXXX XXXX XXXX ( XXXX ) purported to assign the Deed of Trust to the Secretary of the Department of Housing and Urban Development ( HUD ). The note, however, was never delivered. HUD 's servicing company XXXX XXXX XXXX XXXX stated in a XXXX letter, that it never received the original note from XXXX, and the record shows there is no Lost Note affidavit from XXXX XXXX XXXX XXXX  to HUD, nor from HUD in its putative assignment to XXXX XXXX XXXX XXXX ( XXXX ). Specialized Loan Servicing, LLC has admitted that the note is lost. 
Actual assignment requires delivery of the note, or else a Lost Note affidavit. As there is no Lost Note affidavit of record from XXXX to HUD or from HUD to XXXX, then clearly, there was no assignment of the note in either case. Specialized Loan Servicing, LLC has repeatedly attempted to foreclose without the note, without a chain of title, and without any basis whatsoever. 
In XXXX I sent Specialized Loan Servicing, LLC four Notices to prove-up its right to enforce the instrument pursuant to Maryland Code Commercial Law 3-309 ( a ) A person not in possession of an instrument is entitled to enforce the instrument if ( i ) the person was in possession of the instrument and entitled to enforce it when loss of possession occured or, has directly or indirectly acquired ownership of the instrument from a person who was entitled to enforce the instrument when loss of possession occurred. And 3-309 ( b ) A person seeking enforcement of an instrument under subsection ( a ) must prove the terms of the instrument and the person 's right to enforce the instrument. SLS has failed/refused to prove up its right to enforce the instrument in violation of 3-309 ( b ). 
Moreover, each of the alleged assignments in the alleged chain of title is an " assignment '' of the deed of trust, not the note. In Carpenter v. Longan - 83 U.S. 271 ( 1872 ), the court ruled that The note and mortgage are inseparable ; the former as essential, the latter as an incident. An assignment of the note carries the mortgage with it, while an assignment of the latter alone is a nullity. Every alleged assignment in the alleged chain of title is an assignment of the Deed of Trust, and, as stated above assignment of the latter alone is a nullity. This constitutes evidence of record that every alleged assignment in the purported chain of title is defective rendering the instrument unenforceable. 
SLS has fraudulently attempted to foreclose and steal my home under the color of law in collusion with foreclosure mill, XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (CA)

My personal belongings were stolen from me in XXXX, CA in XXXX of XXXX including my photo identification, medical card, social security card and bank cards. I recently ran my credit report as i am trying to buy a house and i have noticed collections, purchases and inquiries that I did not personally make or have any knowledge of. I just recently found out how to go about identify theft and am now taking the proper steps to get this handle.
Consumer complaint received 2021-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2021, I disputed some inquiries on my report, and I received an illegal computerized letter dated XX/XX/2021, from the credit bureau in which they stated, 1 ) an explanation of what an inquiry was, 2 ) told me they MAY investigate and 3 ) if they chose to investigate, they listed the investigation procedure then proceeded to tell me to contact the publishing company.

According to the law and my request, my letter to them asked them to please verify the debt as required by the Fair Debt Collection Practices Act. The law requires that the bureau be able to furnish who, what when and why as proof of a debt or correct information they are choosing to publish on their platform.

I asked the credit bureau for proof of such information being verified and validated as something I did, since they were opting to publish the information on the platform. I didn't ask them for information on what an inquiry is or how an investigation is contacted but for them to investigate the inquiries and delete the information if they couldnt furnish accurate proof, I initiated them or show me proof of their findings to be able to report such inaccurate information as accurate. 

Because they did not do that what is required by law, they are now in violation The Fair Credit Reporting Act ( FCRA ) that states, if inaccurate information is discovered in a file, the consumer reporting agency must examine the disputed information. If the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it. 

These inquiries need to be removed as they have NOT been verified or validated as being accurate.
Consumer complaint received 2021-11-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc (FL)

A debt validation letter was sent to the company Bull City Financial Solutions , Inc. located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX. The letter was sent on XX/XX/2021 and received on XX/XX/2021. A follow up debt validation letter was also sent out on XX/XX/2021 and received on XX/XX/2021. As of today, XX/XX/2021 I have not received the correct information to validate this debt. The company has failing to validate this debt but is still reporting the account on my credit report.
Consumer complaint received 2022-05-20
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)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$6400.00} XXXX  XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance XXXX {$1300.00}
Consumer complaint received 2018-09-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE (VA)

Right now I owe a big chunk of funds to the IRS for taxes, and I am trying to collect as much money as possible to pay them, so I am late on my payments with my XXXX credit card. The company closed my account, and they call me throughout the day to talk about my card balance. I have repeatedly informed them of my situation and let them know that I can pay only around {$25.00} until my taxes are paid. 
I understand that the balance needs to be paid. My payments are due on the 21st of each month and I have continually spoke with someone each month about my situation. 
The last time I spoke with an agent was on XX/XX/2018. In the phone conversation, I informed her of my situation. She repeatedly asked to to pay a over {$90.00}, which I informed her at this moment could not happen. I told her that something would be paid. Last month in XXXX I paid {$25.00}. Then I asked will they continue to call me throughout the day like they do, and she apologized and told me no, not until after my billing due date, which is on the XXXX of XXXX. She also let me know that she understands my situation, which the other agent said the same in XXXX. No other resolution was presented. 
The calls are throughout the day, at least 4 to 5 times during the day 9-5,  have began again as of yesterday. I did pick up once, and the person on the other end hung up the phone once I spoke. Today as of XXXX XXXX, I have been called 3 times. Plus I get calls from other phones numbers that are similar to mine. I believe that it may be from the XXXX company as well, routing the call so I would pick up the phone. They told me I would not receive a call from them until after XX/XX/18. I would rather not receive a call at all, especially if they continue to harass me..
Consumer complaint received 2021-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

THIS COMPLAINT CONTAINS THE CORRECT ATTACHMENTS. I sent an email directly to the CEO of XXXX. Received a letter in the mail stating that he will not remove the late payment history/incorrect payments reporting to the credit bureaus. I have disputed the account with the credit bureaus several times regarding this inaccuracy and the results stated that the data furnisher verified that the information is reporting correctly. This issue has carried on for almost a year. XXXX along with the credit bureaus state that they will not correct the information reporting on the account. The account is closed, paid, and still has a {$0.00} credit. I have attached a copy of my credit reports from XXXX and Equifax showing how the pay history is STILL showing an active pay history from one credit bureau while the other bureau is showing a charge off pay history of XXXX each month. This continues to affect my credit over the past year and should be removed by the data furnisher for continuously reporting inaccurate information.
Consumer complaint received 2021-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (TX)

Every time I try to get and increase Im told no, the last time I applied for a new account I sent them a message and my response was rude and ugly and was told that NFCs stand their grounds and I need to check my XXXX account before applying for anything else.
Consumer complaint received 2018-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX To Whom it May Concern : I've just reviewed my credit report and have noticed there are several inaccurate items on my report : PLEASE REMOVE THE BANKRUPCY FROM MY CREDIT REPORT AS IT HAS BEEN OVER 7 YEARS In addition, there are a number of credit accounts which have been inactive for more than 7 years. As you know, the FCRA states that all credit older than 7 years should be removed from my report. The following accounts should be removed : I have enclosed proof from my XXXX XXXX of it being over 7 years reporting on my credit Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX
Consumer complaint received 2022-12-16
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: Experian Information Solutions Inc. (TX)

My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2020-12-17
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. (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 2024-04-09
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: EQUIFAX, INC. (NY)

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

XX/XX/XXXX, Bank of America recently closed my account without any reason while I am XXXX, I reached out to them they refused to tell me the reason. I had this account with me for over XXXX  years.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (CA)

XXXX XXXX Date Of Birth : XXXX Last XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX I am not liable for this debt with XXXX, I do not have a contract with Jefferson Capital System, They did not provide me with the original contract as I requested. Jefferson Capital System called me and said I have to pay that debt i told them that I refuse to pay because I am not responsible for this debt, i also told them to send me the original contract that my signature on the original contract that I signed but until Jefferson Capital System proved me with the original contract they have to remove asap from my credit reports. 

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2022-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

I opened account about a month I deposited XXXX cash and my settlement check of XXXX and I made deposit in person in the branch the lady I spoke with treated me like I was just below her her name was XXXX XXXX XXXX they are holding my funds
Consumer complaint received 2018-09-18
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. (PA)

I HAVE CONTACTED XXXX XXXX XXXX XXXX to remove 2 Hard Inquiries i had contacted XXXX Creditor how has Run my Credit with Unauthorized and after contacted and sent proof from creditor, no response till now i going now to attach proof has sent to them to Equifax to remove 2 hard inquiry XXXX/XXXX Inquiry from XX/XX/2018 XXXX Inquiry from XX/XX/2018 2018
Consumer complaint received 2018-09-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (LA)

This account was disputed and deleted off of my XXXX report on XXXX XXXX as a result of not being verified as my debt. It was also disputed on XX/XX/2018 on XXXX and was deleted XX/XX/2018 on XXXX  as a result of not being my debt. The account balance of the debt is {$990.00}