davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-20
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: EQUIFAX, INC. (PA)

I claimed XXXX XXXX bankruptcy in XX/XX/XXXX. I excluded my mortgage and continued to pay on my mortgage which Im current with through todays date XX/XX/XXXX. The mortgage company is failing to report my current payments to the credit bureaus and have not reported any payments since XX/XX/XXXX. They claim that my bankruptcy attorney never filed a reinstatement agreement and therefore its the lawyers fault. Regardless I have been making timely payments for the last two years and its not fair that my family is being harmed when current payments are being made. They should be reported to the credit bureaus so my credit reflects my mortgage. They send me mortgage statements every month and I pay on time. Theres no reason its going unreported. My fico score can not go up because my mortgage is not reflected even though Im current on all payments. Please help!
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MA)

XXXX has been non-compliant with removing the unverified account FAIR COLLECTIONS & OUTSOURCING which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that FAIR COLLECTIONS & OUTSOURCING was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KS)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX. XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Technology, Inc. (FL)

Massive data breach of social security numbers in recent years. I am disputing the XX/XX/2016 hard inquiry, performed by XXXX XXXX XXXX XXXX XXXX XXXX of XXXX, CA XXXX. I truly believe that this inquiry was fraudulent in nature and done without my consent or permission.
Consumer complaint received 2018-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (MA)

following up this complaint # XXXX I also believe that the lady in the apartment above me might be ordering things and i'm being charged for them my account balance is always low or has the wrong amount in it. My apartment has be broken in multiple times i believe this the reason she always ordering from XXXX all my packages i accept no neighbor ever
Consumer complaint received 2018-11-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (NC)

Please refer to CFPB Case # XXXX. In the third paragraph of the letter dated XX/XX/18 which a copy was provided to you XX/XX/18, the funds went to XXXX. I specifically entered XXXX. The area code listed by Wells Fargo is incorrect. At this point I would like for Wells Fargo to refund the {$200.00} listed in the letter to my account. Thank you.
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX XXXX XXXX from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 

1. XXXX XXXX XXXX XXXX - balance is showing charged offed ; was {$8800.00}, account number not listed.
Consumer complaint received 2018-04-13
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: CORELOGIC INC (TX)

I recently noticed an inquiry on my account by credco, which I have never heard of, I checked my open accounts and haven't noticed any fraud, but I do not know who the company is, but I hope they don't run my credit again.
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

In accordance with the fair credit reporting act XXXX accounts has violated my rights XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States i have ghe right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

I never requested to have a consumer statement put on my credit file with Equifax. I've called and disputed this on numerous occasions to get this consumer statement removed from my Equifax credit file. After each dispute, I would get an email stating that my dispute is complete and that the consumer statement has been removed. I go to check my credit file the next day and it is still there. I last called on XX/XX/XXXX to try and dispute it again and they told me it would take 30 days to be removed. It is now XX/XX/XXXX and the consumer statement is still on my credit report. This is the confirmation number that I was given by Equifax XXXX. I have been disputing this consumer statement for over 3 years now. This is what the consumer statement says '' CREDIT KARMA IS REPORTING MY BALANCE INCREASED BY {$2.00} WHICH SHOWING AN OUTSTANDING BALANCE OF {$19000.00} AND THE CORRECT BALANCE PER XXXX IS {>= $1,000,000} I? VE CONTACTED XXXX AND THEY SENT ME A LETTER OF WHAT? S BEEN REPORTED AND THE CURRENT BALANCE SHOULD BE {>= $1,000,000} '' This consumer statement is irrelevant and it does not need to be on my report. It was placed on my report on XX/XX/XXXX. How hard is it to remove a consumer statement that I never requested to have added.
Consumer complaint received 2018-08-01
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cordoza & Wexler Recovery Services (CA)

On XX/XX/XXXX, I received a phone call from this company. I spoke to a person who represented herself as a supervisor. Her voicemail says her name is XXXX. Another agent referred to her as Ms. XXXX, I believe. She recited my name, birth date, and even social security number correctly. She purported to be looking for my address or place of business for the purpose of service of process regarding a complaint made to their company by another company ( XXXX XXXX XXXX ) regarding alleged loans from XX/XX/XXXX and XX/XX/XXXX. 

I refused to provide any additional information. However, I told them that I made no such transactions and that I suspected identity theft. I also asked for the contact information of the attorney or law firm handling the matter, so that I might contact them to resolve the issue. I was informed that there is currently no attorney involved. That their company refers cases to various unspecified attorneys. I asked to have them provide me the name of the firm or attorney to whom they refer the case when they do so. They refused to provide any information. When I told them that I am a licensed California attorney, they asked for my bar number. I told them that it is a matter of public record and that they can contact the state bar or look it up online. 

I asked Ms. XXXX whether the company is registered to do business in California. She stated that it is. However, I have not located any registration for this company with the California Secretary of State.
Consumer complaint received 2018-11-26
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (TN)

In XX/XX/XXXX I brought a mixed use property that I live in a loft and have restaurant rental space below. I finance the property from XXXX XXXX XXXX in XXXX somewhere it got sold to Region Bank I don't know exactly when they made the switch, In XX/XX/XXXX Regions stated I was behind on some notes and they offered to modify the loan. I accepted though I couldn't prove at that time I was not behind on my mortgage. In XX/XX/XXXX the bank said the loan was due and I owed another {$180000.00} dollars on a property. In XX/XX/XXXX I did an administrative process on them asking for the original blue wet ink copy of the contract. They could not produced it and the ones they did produce were copies with obvious blank outs. After this starting XX/XX/XXXX they tried to foreclose on my property, I had to hire an Attorney to get an injunction to stop the foreclosure and sale of my property. I filed a lawsuit in XX/XX/XXXX sued the bank for fraud and racketeering during the hearing it was proven that I had paid well over {$500000.00} however before we went the trial, the bank agreed according to my attorney that I did not owe them anything on the mortgage but that I now owed them {$41000.00} in taxes ... I offer a tender of payment to them via my attorney which they accepted. XXXX of this year after a year of no feed back.. I asked for a settlement and closing of the account.. the attorney I hired said since we did not hear anything else from them that I could dismiss the case without prejudice and come back and sue them later if needed. XX/XX/XXXX they sent me another letter stating I am in default of the mortgage and that my property will be sold XX/XX/XXXX. Of course I will be going back to sue or file bankruptcy as I have exhausted my reserves suing them the first time.
Consumer complaint received 2018-11-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd. (IL)

I was never contacted about this debt, I didnt receive a phone call, letter, or anything regarding this debt. It is now reporting on my credit repor. I would like an opportunity to review the debt and pay it immediately if so without it damaging my credit since there was no knowledge.
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the fair credit reporting act convergent account XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX # XXXX ACCOUNT XXXX  XXXX # XXXX Account XXXX XXXXXXXX # Account XXXX has violated my rights. 

U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2018-11-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (FL)

XXXX should refund of {$370.00} due from an overpayment by me on their XXXX  credit card. Instead, the XXXX  credit card indicates a billing error showing charges in excess of {$2500.00} that I did not approve. In addition, XXXX erroneous reporting to credit bureaus has resulted in very negative credit scores. 

In XX/XX/XXXX I paid for 2 roundtrip airline tickets to XXXX charging the amount on the XXXX XXXX card. The amount was paid in full within 30 days, resulting in a XXXX balance. Upon return from the trip, new charges appeared on the XXXX card that I disputed. I cancelled the card having made no charges except for the initial roundtrip airline ticket. In XX/XX/XXXX I overpaid {$370.00} to a charge on the statement billed by XXXX that was in error. To date I have not received this refund. 

A XXXX Letter, dated XX/XX/XXXX in reference to my XXXX   credit card account, stated the credit card dispute is resolved and I am credited {$85.00}. That credit never appeared. Instead of refunding the XX/XX/XXXX overpayment, I have been billed by XXXX with unauthorized credit card charges resulting in {$2500.00}. In addition, XXXX has also reported a default in payments to the 3 major credit bureaus. 

The only charges authorized are as follows : On XX/XX/XXXX I booked 2 roundtrip adult tickets to XXXX. 
Depart XX/XX/XXXX- Arrive XX/XX/XXXX with seats reserved XXXX/XXXX XXXX : Ticket Record XXXX XXXX XXXX , FL XXXX , XXXX ; XXXX , XXXX XXXX , FL {$1500.00} x2 -  {$100.00} for promo using XXXX  XXXX Credit Card XXXX XXXX Credit Card- Paid XX/XX/XXXX {$3000.00} Balance : - XXXX XX/XX/XXXX overpayment {$370.00}.
Consumer complaint received 2018-08-01
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: MB FINANCIAL, INC. (NY)

Hi my friend XXXX XXXX filed a complaint about a joint account that i have with him about that will be referenced in this complaint witch you guys concluded that you will remove a 30 day late from the account and some how on my credit report it still appears if you can please update the reporting it will really help my as you have done to XXXX
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This complaint is equally directed at XXXX XXXX XXXX, XXXX reporting agency, and XXXX XXXX XXXX. 

In accordance with the Fair Credit Reporting Act, this Creditor has violated my rights. 
Under 15 USC SEC.602 ( a ) states I have a right to privacy.

15 USC 1681 SEC.604 ) A ) Also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666 ( b ) A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-07-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

back in XX/XX/XXXX i looked at my credit report and saw a account that did not belong to me i sent the credit bureaus the information the the account was not mine the did not reply the account was from XXXX XXXX, XXXX XXXX in the amount of XXXX on XX/XX/XXXX i was in XXXX at the time the account was open
Consumer complaint received 2018-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (GA)

I called on XX/XX/2018 to dispute a {$3.00} transaction I have with Chase. I had tried to purchase a XXXX train ticket but the machine had told me that the transaction has failed. I received no ticket from the card and thus I assumed the pending transaction of {$3.00} would be dropped from my account. It was not so I called Chase to dispute the transaction and the representative refused to help me investigate the transaction unless I had my receipt for the XXXX train ticket that I was not able to purchase. I do not understand how such a large company would be unable to contact XXXX to dispute the transaction for me but would require a loyal customer to have proof, insinuating that I was lying about a {$3.00} charge. I would understand if the charge was an insane amount but {$3.00}? Come on Chase. Do better.
Consumer complaint received 2023-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On XX/XX/XXXX of XXXX, I became aware that I was a victim of identity theft. I reported my identity theft with the XXXX Police as well as the FTC. There were 3 fraudulent credit accounts opened in my name that I never opened and was completely unaware of. Since then, 2 of the 3 were disputed, investigated, verified as fraudulent, and taken off of my credit history. Those two were XXXX and XXXXXXXX XXXX XXXX. The 3rd fraudulent account was created through XXXX XXXX. I opened up an investigation with them in late XXXX to dispute. I had never heard back, and assumed from my rising credit score that is was also claimed as fraudulent. However, it appeared back on my credit report in early XX/XX/XXXX - that I owe {$9900.00} ( account XXXX  XXXX ). Then I tried to reopen the investigation ( case XXXX XXXX ). However, I received a letter back on XX/XX/XXXX saying that my dispute was " previously investigated and resolved '' and they were " unable to to reinitiate the investigation. '' I request that this XXXX account and the balance owed is removed from my credit history as I never opened the account. It was opened as a result of identity theft.
Consumer complaint received 2022-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Upon receiving a phone call from XXXX XXXX XXXX  and them saying I owed an estimated {$3500.00} for a credit card I told the person I never had a credit card with them with that limit. 
I do have a current credit card in good standing with XXXX XXXX but with a different account number and credit limit. I asked that they mail me verification that this account was mine. I then went to XXXX XXXX and saw that this was reporting as negative on my credit so I disputed through XXXX XXXX. XXXX XXXX had an address that was not mine and other false information on file. I received another call to collect the debt and discussed with this representative that this was not my account, in fact the address that they had on file was a non-existent address- a quick XXXX XXXX showed that the street name they had did not even exist in my city. The representative asked for my mailing address so they could send the information I was requesting so I gave it to her. After a couple of months this account was turned over to Portfolio Recovery Assoc. with an updated address that was actually mine so that when I disputed the account again it came back as " all accurate information '' when in fact the only reason they had my accurate information was because they had recently updated it.