davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-08
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ClearPath Lending (VA)

I'm not sure if I've arrived at the right location given the narrow scope of the wizard used on this site ; however, I wish to complain about the harassment I'm being subjected to by ClearPath Lending, XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. I have asked them repeatedly to stop sending me solicitations for refinance of my VA mortgage to no avail. On XX/XX/2021, and on XX/XX/2021, I requested via their web site ( https : //www.clearpathlending.com/contact/ ) they stop sending me correspondence. Today, XX/XX/2021, I received yet another solicitation from them. Their offers mention the U.S. Department of Veterans Affairs and " Veterans Administration '' so I find them to be somewhat misleading as to their possible representation of the federal government. I request your assistance in stopping this harassment.
Consumer complaint received 2021-03-08
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: SLM CORPORATION (CA)

There are seven student loans that don't belong to me I have not applied or signed for these loans I have not been in school for years and years I have no idea who applied or ruined my credit I need these off my account and credit report asap. 
Account Name : SALLIE MAE BANK XXXX  Account Number : XXXX Amount : {$6300.00} Account Name : SALLIE MAE BANK XXXX Account Number : XXXX Amount : {$6500.00} Account Name : SALLIE MAE BANK XXXX Account Number : XXXX Amount : {$13000.00} Account Name : SALLIE MAE BANK XXXX Account Number : XXXX Amount : {$20000.00} Account Name : SALLIE MAE BANK XXXX Account Number : XXXX Amount : {$6100.00} Account Name : SALLIE MAE BANK XXXX Account Number : XXXX Amount : {$6000.00} Account Name : SALLIE MAE BANK XXXX Account Number : XXXX Amount : {$29000.00}
Consumer complaint received 2021-02-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (OH)

Following our application for a Mortgage loan XX/XX/2021, we have since received TWO " Prepaid Credit Cards '' in the mail, both within a week of each other. 

HOWEVER, WE DID NOT apply for these. 

WORSE YET, they were in the names of two different people who we have no clue who they are. These are both addressed to OUR address where we have lived for almost 13 years with these strangers ' names. 

This appears to be two cases of fFRAUDULENT USE of our credit report. 

The two companies and the the fraudulent appliers are : XXXX, XXXX XXXX XXXX, XXXX, TX XXXX Prepared in the name of XXXX XXXX U.S. BANK ReliaCard, XXXX XXXX XXXX, XXXX, IN XXXX Prepared in the name of XXXX XXXX I have not contacted the companies yet, concerned that the call will activate the cards, even if I have not made a deposit. I don't know if they have somehow attached to our Bank accounts and will attempt to make a deposit from them once the card is activated!!?!?!?!?!?!? 

How can we stop this??
Consumer complaint received 2019-08-29
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)

There are several unauthorized inquiries reporting on my credit file. Please assist me in getting the following inquiries removed from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 Times ) XXXX XXXX XXXX XXXX ( 2 Times )
Consumer complaint received 2022-05-06
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: Experian Information Solutions Inc. (FL)

Theres a fraudulent account name : XXXX XXXX which Experian is currently reporting and keeps updating without showing me actual method of verification of how they got the account updated
Consumer complaint received 2017-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NV)

I have been working on improving my credit score for the last year. In  XXXX  of   XXXX  , I noticed that all  XXXX  of my credit scores from Equifax,   XXXX   XXXX   XXXX   were at  XXXX . The n one  month later in  XXXX    XXXX  , my credit score at Equifax dropped  XXXX  points  in one da y, for no reason. There were no negative or positive changes that occurred on my reports to reflect such a significant decrease in points. This was confirmed verbally from all   XXXX   bureaus. I contacted Equifax again via phone on  XXXX   XXXX  at  XXXX . I spoke with a person who did not identify herself. I explained the situation, and she advised me that the company where I received my credit scores was reporting false informatio n (   XXXX   XXXX   ). I   asked again why my credit score went down so drastically, and that I needed her to walk me through the process of scoring. She repeated herself, and then advised that I needed to purchase Equifax monthly services to fully understand my credit. She said, " the only way you can get your score or understand why your score changes is to purch ase ( our ) monthly plan. '' I asked for a supervisor, who then repeated what the original person said. I spent two hours r esearching, which included the phone call, and got no information or clarity. There was no explanation of any kind concerning my decrease in points. This agency has my life information including any future success I might have on rebuilding my credit. I am concerned with the handling of any personal information this company has and how they conduct business. It is also disheartening that this company refuses to work for the people, instead against them. I will continue to file complaints until there is change.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you.Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report.Per XXXX XXXX XXXX Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relatesAlso per XXXX XXXX XXXX XXXX ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. XXXX - XXXX information about accounts or other relationships with a consumer that is accurate. XXXX - XXXX reasonable investigations of consumer disputesThe CRRG standards state that in order to make a report, you must follow their guidelines. Any deviation from these standards jeopardizes the integrity of data. & quot ; This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports! With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge.The following claims about me were not reported correctly and I am challenging these inaccurate statements. Please provide proof that the proper reporting standards were followed so this can be resolved immediately!
Consumer complaint received 2022-05-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (NJ)

Cancelled my services because of a high bills. I spoke to manager who gave me the balance due which I paid. They ported my number out to the new code, after 5 months received a notice From a collection agency that I owed {$690.00}. I contact XXXX and no one could give me the reason why the amount was owed until I had the account escalated and spoke w account finance which explained the manager gave me the incorrect balance to pay. Advised me would waived all charges if I paid {$450.00} and removed all information from the credit bureaus. All Charges where suppose to be removed due to misunderstanding of charges by their manager. Collection agency has place 4 hard inquires in my credit file and I would like all of them removed wirh a letter of removal.
Consumer complaint received 2022-05-06
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. (WY)

XXXX & XXXX at address ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) has been sending me collection notices in the amount of ( {$300.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

I would like the bureau to delete this account off my credit report and do not try to put it back on my credit report. 

In accordance with the Fair Credit Reporting Act, XXXX  Account ( that goes by ) : XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX violated my rights. 

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 an account without my written instructions
Consumer complaint received 2022-05-06
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: CAINE & WEINER COMPANY, INC. (WY)

CAINE & WEINER at address ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) has been sending me collection notices in the amount of ( {$300.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

I would like the bureau to delete this account off my credit report and do not try to put it back on my credit report. 

In accordance with the Fair Credit Reporting Act, XXXX  Account ( that goes by ) : CAINE & WEINER, and CAINE & WEINER COMPANY, and CAINE & WEINER COMPANY , INC. violated my rights. 

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 an account without my written instructions
Consumer complaint received 2022-05-06
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. (VA)

In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX, has violated my rights. 

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 2022-12-14
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. (TN)

XXXX Transunion keep listing an old XXXX  XXXX credit card bill thats XXXX or almost XXXX years old opened in XXXX. XXXX XXXX keeps selling credit card debt to different agencies and keeps punching back the date it should be removed. I had a XXXX XXXX and couldnt pay it. Now XXXX XXXX  is listing it. Ive dispute the dates but have no way of proving I stop paying in XXXX so its at least XXXX years past due. I cant see when this is going to come off?? XXXX years? Pleas help XXXX XXXX
Consumer complaint received 2022-05-06
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  Account : US Department of EducationXXXX for {$22000.00} on XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for {$210.00} on XX/XX/XXXX has violated my rights. 

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 an account without my written instructions.
Consumer complaint received 2022-05-06
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: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX, has violated my rights. 

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 2022-05-06
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. (NY)

In accordance with the Fair Credit Reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account number XXXX Has violated my rights. 

DEPT OF ED/XXXX  Account number XXXX has violated my right. 


15 U.S.C 1681 section 602 A. states a consumer 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 an account without my written instructions. 15 U.S.C 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: William D. Meeker Enterprises, Inc. (TX)

I did not authorize these inquires into my credit. I called these companies and they said that they can not help me. 

Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Miscellaneous and public record Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Banks and XXXX & XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address po box XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address po box XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Automotive Contact info Address XXXX HIGHWAY XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Home Furnishing Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2022-01-09
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: Helvey & Associates, Inc., Warsaw, IN Branch (FL)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This account was opened in my name and it does not belong to me. 

XXXX XXXX XXXX {$1700.00} XX/XX/2020 2020
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

This XXXX accounts were open in my name and they dont belong to me. 

XXXX XXXX XX/XX/XXXX {$2600.00} XXXX XXXX XXXX XX/XX/XXXX {$3500.00}
Consumer complaint received 2017-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Th e Credit Agency incorrectly  shows a number of late mortgage charge against our account, in  all about one year of errors in reporting. There were Zero la te charges against our  XXXX  account in  2016.    This is unfair, we attac h two pages, a  XXXX  statement called the " customer account activity statement '' and there are zero lat e charges on this  XXXX   XXXX   XXXX   XXXX     Statement.
We are being gravely harmed by the Credit Agency, as this report is stopping us from    getting a mortgage.     Their delay has cost us a serious increase in price of a house purchase.   Also, an increased payment for 30 years, as interest rates have increased ..   A loss of home enjoyment, because at  XXXX , this lost time is invaluable.     House prices and mortgage interest rates are continuing to increase rapidly in our area of intended purchase.
Consumer complaint received 2022-10-18
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I purchased a Used transmission for XXXX from a junkyard on XX/XX/2022 with a 30 day warranty. Once transmission was received, the transmission was broken. After trying to resolve the issue with the XXXX ( XXXX 's auto recycling ), they claimed that they did not break the transmission and declined the return even though i provided them with pictures and proof instantly after receiving the transmission. Capital one advised me to get a XXXX opinion from a 2nd merchant and to return the item. The 2nd merchant concluded upon investigation that transmission was broken due to a car accident before shipment, i also returned the transmission with a tracking number. Despite doing everything capital one advised me to do, they declined the dispute. I have been using my capital one credit card for 6 years, spending over XXXX per week on it, only to be robbed from my money as a thank you. Capital one is terrible, and i advise everyone to stay away from visa and use a safer company like XXXX XXXX
Consumer complaint received 2018-01-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ROYAL UNITED MORTGAGE LLC (FL)

I was checking on current mortgage interest rates online and afterwards I received about 20 calls from this company AFTER I told them I had picked someone else and NOT to call me anymore. They used these phone number each time. 
XXXX XXXX XXXX XXXX XXXX XXXX I immediately went to donotcall.gov and registered my cellphone and verified through email link. Get these guys. Very disrespectful calling me 20 times after I told them NOT to call me anymore.Thank you for your help.
Consumer complaint received 2022-05-06
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: The Receivable Management Services LLC (WY)

RECEIVABLE MGMT SVCS at address ( XXXX XXXX XXXX, XXXX, WA XXXX ) has been sending me collection notices in the amount of ( {$100.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

I would like the bureau to delete this account off my credit report and do not try to put it back on my credit report. 


In accordance with the Fair Credit Reporting Act, XXXX  Account ( that goes by ) : RECEIVABLE MGMT SVCS, The Receivable Management, and The Receivable Management Services LLC, violated my rights. 

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 2018-03-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

As XXXX XXXX,  Bank of America provided me with a Platinum Tier checking account for no charge. After I XXXX, I received no notice of a $ XXXX monthly charge that would begin to be assessed or the opportunity to change my rewards tier or close the account. I have called Bank of America customer service, and they continue to refuse to refund all of the fees. They have only refunded one month.