davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-21
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. (GA)

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Please remove these fraudulent accounts from my credit report these accounts are reporting false information and need to be removed from my credit report immediately. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} Below are a list of addresses I've never lived at or been associated with. I don't know why these addresses are appearing on my credit report please remove them. 

XXXX XXXX XXXX, XXXX, KS XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, KS XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX
Consumer complaint received 2018-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I opened an account with Capital One back in XX/XX/2017. I make a monthly payment of $ 600-700 month on this account, but despite that, my balance continues to go up. The credit limit is only {$3500.00}, but Capital One now says I owe them {$5600.00}, which is {$2000.00} over the credit limit. On multiple occasion, I have requested a detailed explanation on this account to explain how I could owe more than {$2000.00} over the credit limit, when I have made loyal payments for month. Capital One refuses to supply me with that information, and have now started reporting my account late on top of it.
Consumer complaint received 2020-02-02
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: WELLS FARGO & COMPANY (MA)

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2023-03-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FirstPoint Collection Resources (PA)

I am writing to delete the following information. I am a victim of identity theft and did not accumulate the amount of {$1200.00} in electricity bills. XXXX XXXX XXXX has turned this debt over to First point collections resolutions to resolve this matter. I ask that this item be deleted to correct my credit report. I reported the theft to my identity to the federal trade commission and I also have enclosed copies of the federal trade commission 's identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-02-02
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: PENNYMAC LOAN SERVICES, LLC. (MA)

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2022-03-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-05
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. (GA)

This XXXX XXXX XXXX  Account was opened fraudulently creditor agreed to close and remove account from all three credit bureaus. I spoke to a representative ant XXXX XXXX XXXX and she informed me that they sent update to all three bureaus to remove the fraudulent account.
Consumer complaint received 2018-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc. (GA)

I was a victim of identity theft, and I reached out to the company nelnet to let them know my situation, I mailed in my police report, affidavit, and every document that was requested. After following up on things, nelnet informed me the information that I sent in was not good enough, they said they have documents that I signed where I agreed to pay this loan, I stated it was impossible because my identity was stolen so it wasn't me, I asked them to mail or email me the documents so I can see them, they refused. So I have reason to believe that they are forging signatures to make consumers responsible for loans. Please have them provide the original contract that originated this so called loan and any other documents with signatures on it. I have reason to believe that this company is violating the fair credit reporting act and committing fraud.
Consumer complaint received 2019-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: RoundPoint Mortgage Servicing LLC (NC)

Roundpoint Mortgage is showing negative payments and actually reported negative on XX/XX/XXXX, I filed Ch XXXX Bankruptcy in XX/XX/XXXX. This is against the law.
Consumer complaint received 2018-08-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MA)

Have received several phone calls, emails, and USPS letters requesting payment on a Credit Card I don't own and have never heard of. When I requested explanation was never told what the charge was for. The charge came from a collection agency, XXXX XXXX XXXX, who claim they are collecting for a credit card from XXXX XXXX XXXX  for a charge of {$410.00} for something called XXXX. Have never heard of any of these entities. Have never had a credit card from XXXX and so never received any bill from them until I got the call from XXXX. Totally baffled about all of this. Only thing I can think of is that someone opened an account in my name. But with my address why didn't I get the notices in the first place? I checked my credit report and this is the only bad mark on my credit. Am understandably very upset about this.I haven't saved all the correspondence but will send the earlier response to a former dunning notice. Sorry don't know how to scan the bill. I did report to the local police who told me to contact you.
Consumer complaint received 2018-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I contacted XXXX XXXX XXXX to repair a washing machine. The first XXXX technician did an analysis and ordered parts charged ( {$210.00} ) to my Bank of America Visa credit card. After the parts were delivered to my home, two different XXXX technicians arrived to affect the repairs. They determined that the first technician misdiagnosed the problem and ordered the incorrect parts. They labeled the parts for XXXX pickup and left them on my front porch on XX/XX/2018. I have a receipt from them indicating a refund for the parts purchased. In spite of numerous calls to XXXX XXXX XXXX and multiple commitments to have the parts picked up by XXXX, they sat on my front porch for almost one month. I contacted BoA regarding reversing the charge. At their request I provided the receipt indicating that the refund was approved ( but not rendered ). After a delay, BoA made a request for additional information that had no relevance to my issue. The request was nonsensical. Calls to BoA did not help. BoA in my opinion just did not want to honor my request in spite of documentation. Their behavior is inconsistent with that of my other financial institutions. I would like BoA to honor my request, supported by documentation and reverse the charge of {$210.00}.
Consumer complaint received 2022-03-08
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. (NV)

The credit reports say I was late for a payment on my account in XX/XX/ 2020 which is incorrect and the credit company says I was current. This is affecting my score and my ability to qualify for new lines of credit.
Consumer complaint received 2020-08-01
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$320.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account.
Consumer complaint received 2023-03-16
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. (FL)

In Accordance with the fair reporting act creditors have violated my rights. Under 15USC1681 Section 602 States I have the right to Privacy. 15USC1681 Section 604A Section 2 It also states can not furnish an account without my written instructions. A Credit reporting agency Under 15USC 166B a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is a huge problem for my new job my background is showing 3 different name on my credit report XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.. My name should be listed as XXXX XXXX XXXX please delete any other variations of my name. My only address is : XXXX XXXX XXXX XXXX, NC XXXX. Please delete remove any other address they are not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 
I had this problem before. It seems to never end.
Consumer complaint received 2018-08-21
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. (MO)

I have asked and proven to this companies that this is a public record and against my rights to publish on my credit reports if it is mine or not. I have contacted courts and they have sent me a letter stating the same. Still have not removed off my report
Consumer complaint received 2018-08-21
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: EQUIFAX, INC. (MO)

I have asked for these companies to remove these loans from my credit report and or provide proof of legal attachement to these account over 30 days old and nothing provided and still not removed from my credit report.
Consumer complaint received 2022-01-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NC)

One XX/XX/XXXX, I was contacted via phone from Wells Fargo Fraud toll free number. ( I called this number from another phone to verify that the number was legitimate ). I was asked if I transferred {$3000.00} to a XXXX XXXX in XXXX, Fl using XXXX? I told them no. I had used XXXX early for two transactions and thought that was where the breech took place. I was advised in order to get the funds back to my account, I would have to XXXX the money back to myself in two {$1500.00} increments. I did as I was told. They told me they would contact me again on XX/XX/XXXX @ XXXX pm which they did. They then advised that I would have to XXXX another {$500.00} to myself and this is when I realized something wasnt legitimate. After filing a claim with Wells Fargo, they stated that they would investigate. After 9 days, Wells Fargo advised that per XXXX the money was non-returnable. I then filed another complaint with Wells Fargo directly. They have not returned the money and I am unable to get any answers. I have read several articles and under Regulation E it appears that it should be covered. Wells Fargo is stating that XXXX is a third party and my money is not insured. XXXX is an app that Wells Fargo has endorsed. I have no money at this point to pay my bills, and unable to pay for my XXXX medication. I have seen where this same issue happens and was investigated by a XXXX news station and the money was returned. I dont have much, but {$3000.00} was all I had. Could you please help?
Consumer complaint received 2018-08-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

My husband and I paid over $ XXXX to have a new floor and special grout installed in our new home. We prepaid all, as required and signed the contract that Home Depot does not in turn honor. I paid an extra {$700.00} to get the pattern laid called XXXX. To make a long story short-I was bullied and told that the installer would refuse to lay in this pattern. He instead left my house and job. After I called Home Depot regarding this-they called installer and told him to return. For the next 3 days he laid the tile. We also had paid another company to drop off base molding and paid to have HD install it also. They did horrible job at installation of the floor and baseboards. I have loads of pictures proving my case. Floor is horrible as is the base. HD solution : give me {$500.00} credit. Nope! So I am currently enlisting all agencies to help me dispute this home depot citibank claim for {$4700.00}.
Consumer complaint received 2022-03-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

XX/XX/2022 - I logged into my Navient account to check on my loans. Currently, one of my loans is for XXXX XXXX. I wanted to see if anything was happening with the loan being forgiven. When I checked my loan details Navient has changed the name of the school to another school I attended 3 years later. 
I called them and confronted them about it as I believe this is blatant fraud and an attempt to ensure the loan does not get forgiven by changing the name of the school. 
After spending close to an hour on the phone I was told that the supervisor looked back at the account and that it was indeed an error and they would fix it. 
I asked for a reference number or anything I can use to refer back to and was told they don't do that and it would be a couple of days before it gets fixed. 
I believe they did this in order to prevent my account from getting flagged for forgiveness and seems to be a pretty clear case of attempted fraud because if I did not regularly check my account I never would have noticed that and my account would never get flagged as an XXXX XXXX loan and be forgiven.
Consumer complaint received 2020-12-16
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: First Choice Lending Services, LLC (TN)

First Choice Lending Services processed my mortgage with a fraudulent appraiser report. 
They assisted the Seller XXXX XXXX XXXX XXXX XXXX who is also the owner of property and, the real estate company I hired to find my home, the realtor who assisted me, and the closing attorney as well as the mortgage company who services my loan in continued fraud. Due to the appraiser report being completed on a different property other than the one I purchased, I had to move out of the home 4 months after I moved in. Included in the sale was a home warranty that didn't repair or replace the broken water heater that finally went out in XX/XX/2020. I filed a complaint withXX/XX/XXXX-XXXX  and the company responded by saying they hired a FHA Approved Appraiser. However, their appraiser 's report was for the wrong property and failed to disclose major material defects. They inflated my Social Security to approve the loan. My mortgage payment was over half of my net income and I used all my remaining savings to fund the loan. Once I closed on the home the mortgage was turned over to XXXX XXXX XX/XX/XXXX. I have filed a complaint See CFPB XXXX and it was closed and supposedly forwarded to First Choice Lending Services to which I have had no response from. During the closing process the attorney assigned by the realtor closed with additional fraud being created. They allowed the seller to sell the property without a business license, the sellers wife was not present at closing, funds for a inactive homeowners association were paid during closing and never refunded. The list goes on and on
Consumer complaint received 2022-07-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: 21ST MORTGAGE CORP. (AZ)

I was told that my percentage rate was 5.3 % with 21st Mortgage Corp . ..When I went to Re-Fi with XXXX XXXX XXXX XXXX , they told XXXX XXXX  that my mortgage was only 4.0 % ..Not once but twice. Because the first time I was locked into XXXX XXXX  for 2.5 % but the guy doing my loan blew me off. So when I get the new deal from XXXX XXXX, it's now at 3.125 %. They waited till interest rates shot up again and I was convinced ... .If my rate is truly at 4.0 % it would be a waste of time and money to Re-Fi on 1 % difference .Why are they charging me 5.3 %.? Is it LEGAL to LIE to another financial institution, to convince me that it's not worth it to KEEP me paying that EXTRA 1.3 %? Because Thats what It came down too. Interest rates went up again and I'm Stuck.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCB Management Services Inc. (NY)

According to 15USC 1681s-2a AND 15USC 6801, 15 USC 6802 According to this laws this credit institution has violated my right and need to do the rights thig by deleting this charge off of my account because according to IRS
Consumer complaint received 2022-03-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (KY)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-04-13
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. (TX)

fcra violations remove : Also known as XXXX, XXXX XXXX, XXXX, XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY COURT XXXX XXXX bankruptcy dismissed Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX Account Info Reference Number XXXX XXXX XXXX Bankruptcy XXXX XXXX BANKRUPTCY COURT XXXX XXXX bankruptcy filing Original filing date : XX/XX/XXXX Latest status date : Account Info Reference Number XXXX Court U.S. Bankruptcy Court