davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

Issue # 1 : This account was involved in a foreclosure that occurred in XX/XX/2011. We surrendered the property to the bank, which resolved any balance owed. This account still reports a balance of {$80000.00} on our credit report, but it should report as {$0.00} owed.

Issue # 2 : This account is also reporting that we are actively 120 days past due. Once again, we surrendered possession of the property, associated with this account, back to the bank in XX/XX/2011. The account was obviously closed at that time. Despite that, XXXX XXXX has continued to report this account as continuously 120-days delinquent for 7 years now. The account should report as a charged-off collection as of 2011.

Issue # 3 : It is my understanding that a creditor can only report negative information about an account for seven years according to the Fair Credit Reporting Act. From what I can see, this account has exceeded that standard. Simply put : We question the validity of this account still appearing on our credit report at all.
Consumer complaint received 2018-05-23
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. (MI)

In XX/XX/XXXXI contacted Transunion to correct an auto loan information with XXXX creditor. They have not corrected the inaccurate info they are reporting. They are also reporting false info about an account with XXXX XXXX opened in XX/XX/XXXX and will not remove it. I have not ever had an account with this company and did not open one with them recently. XXXX  is also reporting this inaccurate information. I want these inaccuracies fixed immediately as they are preventing me from financing purchases and providing for my family.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2019-10-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (OH)

MEDICREDIT, INC # XXXXXXXThis is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OFCLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. 
Furthermore you shall cease all verbal communication. No phone calls to the Claimant. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX, XXXX  and XXXX XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following account MEDICREDIT, INC # XXXX
Consumer complaint received 2022-10-06
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: Experian Information Solutions Inc. (NJ)

I submitted a letter to the 3 Credit Bureaus to remove these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

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 Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
[ Identify item ( s ) + 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 report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity Copy of Credit Report
Consumer complaint received 2020-02-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (MD)

XX/XX/2020 I made a complaint XXXX to verify that the report of {$490.00} is valid and owed to Bureaus. The company responded by sending statements to prove validity. I request that the company review the attached letter and state their validity to collect this debt using the federal regulated laws to prove ownership.The Bureaus can not prove ownership of an account by submitting itemized bills. I must have written verification of whom verified the account and a contract bearing my signature.
Consumer complaint received 2018-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

Instead of settling my claim of 3 wrong charges and cleared the charges, Wells Fargo fraudulently created and more fraudulent charges of charges, even though we've stopped using their Visa since XX/XX/2016. There was certainly fraud created with computer maneuvering of printing tens and tens of pages of charges. I'm senior citizen and have respond to their 20-30 phone calls that three fraudulent charges should be cleared as they handled similar fraudulent charges in the past. For Wells Fargo the credit and improper trouble they imposed on us are rolling bigger and bigger like snow balls. Now each day different people called ; there has had being been ten people all claimed to be Wells Fargo authority. I am XXXX and in bad health to receive such persecution. Wells Fargo 's approach has been not reasoning but convincing me that I'm owing about thousand dollars. Bur my question is : For What particular Charges bane them ). Their 20+ pages computer print out confused the matter and looks  fraudulent.
Consumer complaint received 2022-07-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2021-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

National Credit Systems is reporting a collection accounts on my credit report acct # XXXX. I was told that I allegedly owe a debt to XXXX apartments. When you XXXX the XXXX apartments or the address they have listed on my credit report with this property no information about this apartment comes up I also asked this company to provide me with the contract that they have between The XXXX apartments and they refused to provide me with the information requested. I believe this alleged debt to be fraudulent
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (SD)

I returned a leased GM vehicle XX/XX/2019 and received a bill dated XX/XX/2019 onXX/XX/2019 stating amount due for disposition fee and damages {$1100.00} due by XX/XX/2019. I called in and disputed some of the damages since the vehicle was not picked up until XX/XX/2019 and had been moved to a different location where possibly some damages may have occurred during the move. I asked what my options for payments were and was informed {$180.00} per month until balance paid. I received notice on my credit card statement I had a delinquent report from GM financial XX/XX/2019 in the full amount of {$1100.00}. I called XX/XX/2019 and questioned customer service why they reported me late and she said they would correct it and I set up payments and paid {$180.00}. I checked my credit report and she had corrected the XXXX XXXX but not the experian report. After numerous calls to GM financial I was in formed that they could do nothing and I would have to contact experian directly to correct it. I called experian and was told they could submit a dispute to GM financial but could not remove the delinquency and suggested contacting CFPB.
Consumer complaint received 2018-05-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (SC)

XX/XX/2018 I sent Santander a letter explaining that I fell on hard ship and ask them to lower my payments and forgive me for my late payments. They replied saying that's against their rules and regulations. The box value of the car is way less that what I purchased this car for and it's hard for me to try and get another car because Santander balance is too high and other dealers won't make a deal.
Consumer complaint received 2023-01-12
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo re-instated my loan in XX/XX/XXXX, after XXXX years of unsuccessful attempts. 
In XXXX I made a lump sum payment to bring my loan current. Wells Fargo did not apply that renovation loan money to my past due. Nor did they inform me how the XXXX would be applied. After XXXX  years of disputing the issue, they agreed to reinstate the loan. 

Yet they never waived the penalties or interest ( ALL CAUSED BY HAPPILY TAKING MY XXXX, yet applying non to my past due balance ). 
I have made on time payments again since XX/XX/XXXX. 
As of XX/XX/XXXX Wells Fargo has taken the unpaid months and added XXXX to my principal balance. 

All of the fees for the XXXX years should be waived due to their error. Should also be waived for they never wanted to reinstate the loan during the XXXX year ( XXXX ) time frame. 

Reasoning is I own in a Gentrifying zip code. my property value has shot up XXXX in XXXX years. I have news articles if the large parcels being assembled in my area and sold to a specific individual. It was developer XXXX XXXX who brought a legal case, that shed light on the matter. Because he was promised the foreclosure lots/homes/parcels, and they were given to someone else. 


I am asking that these XXXX years of fees/penalties/missed payments, are not added into my principal XXXX months after this matter was supposedly settled. 

I am also asking to be compensated for I have read Wells Fargo has settled a CFPB case and individuals who were financially harmed would be made whole. 

All of this started when Wells Fargo Emailed me that there Renovation department was closing and the money I had not yet used, would be taking back. 
This is Renovation money for a Primary Residence I can still not live in to this day. 

These situation on a whole has ruined my credit, and I can not finish my home. only pay the mortgage. IF there renovation department didn't close, I have been wronged.
Consumer complaint received 2019-07-25
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: CORELOGIC INC (TX)

XXXX  XX/XX/XXXX CREDCO XX/XX/XXXX CREDCO XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX CREDCO XX/XX/XXXX CREDCO XX/XX/XXXX CREDCO XX/XX/XXXX XXXX  XXXX XX/XX/XXXX CREDCO XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX Complete Your Credit Picture! Get All 3 Bureaus Accounts How to dispute Revolving Account Name Balance Balance Date Monthly Payment Term XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2019-07-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (NY)

1. XXXX XXXX XXXX issues Mortgage 2. XXXX XXXX XXXX Issues Mortgage Modification ( lower rate ) 3. Filed with County Clerk CNY 4. XXXX approx. Mortgage sold to Freedom Mortgage 5. XXXX approx. Mortgage servicing transferred to XXXX XXXX 6. XXXX -approx Mortgage servicing transferred to Freedom Mortgage 7. XX/XX/XXXX Freedom Mortgage advises Loan Paid in Full, Note and Satisfaction being sent/filed. 
8. XX/XX/XXXX Freedom Mortgage advises they can not issue satisfaction as they do NOT have note, nor any record of assignment. 
8a. Freedom Mortgage Number and XXXX XXXX XXXX numbers match 8b .Freedom Mortgage claims Lien filed by XXXX XXXX has no relationship to them 9. XX/XX/XXXX XXXX XXXX declares they are out business 9a. Declares as a courtesy they will file satisfaction if 9b..They are paid {$600.00} 9c.. Receive letter from Freedom Mortgage authorizing release 10. .Freedom Mortgage advises they have no knowledge relationship with XXXX XXXX and therefore can not issue requested letter of release. 

11. My ownership is threatened, I can not refinance, nor sell my property.
Consumer complaint received 2019-10-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX  XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2016-01-10
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I cancelled my Bank of America debit card to stop automatic debits on my account. The vendor in particular was XXXX. After a few months the debit reoccurred on my new card account without my permission. I did not authorize Bank of America to furnish this new account information to this company. I did not provide the information to the company.
Consumer complaint received 2023-01-12
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. (CA)

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 {$430.00} XXXX  XXXX # XXXX {$470.00} XXXX XXXX  # XXXX {$200.00} XXXX # XXXX {$390.00} XXXX XXXX # XXXX {$1600.00} XXXX # XXXX {$850.00} XXXX XXXX 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 15 U.S.C 1681c. ( 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I never heard of this company before. I am not the owner of the following accounts..I did not open an account or signed a contract with these companies. They do not have any business with me.. I requested Method of Verification - evidence such as name, address and telephone number they contacted from the original creditor but they failed. That tells me that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible and notify me when you do this so I can go ahead and apply for the things I need to apply for. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-06
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. (NJ)

I don't recognize this inquiry made on my report and is need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) XXXX None Of This Inquiry was made by me therefore it need to be removed thank you.
Consumer complaint received 2018-05-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX XXXX responded to complaint XXXX, however has failed to show documentation requested. XXXX XXXX admitted my husband was supposed to open 2 accounts but only opened one. What they did is combine monies from my husbands 401K/IRA with a joint account held by both my husband and myself. Now they say the account was not set up. Essentially, they stole my money, over {$81000.00}. I contacted the man on the response letter and he said he didn't write it and would check into it. I have had no further response. This money in the 401k/IRA now is taxable, unless rectified. I have requested the transfer forms from XXXX XXXX that they sent to XXXX XXXX XXXX to transfer the monies from them to XXXX XXXX.I signed for the transfer and account setup with XXXX XXXX. I contacted them after I was refused log in to access account.They said I had no account with them. XXXX XXXX has participated in theft and refused to address the situation at that time. I have not received any response or the information I requested.
Consumer complaint received 2019-07-25
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: CITIBANK, N.A. (CA)

Dear CFPB Representative, on XX/XX/XXXX or XX/XX/XXXX I requested an increase on my store macy 's store credit line. I was told to wait over the phone and they came back and said that I was declined. What they did not told me was that they access my XXXX   without my consent or let me know that it my be possible to do that. I will never accept that without knowing whats happening. I would like that any hard inquires to be removed from my XXXX that was made between XX/XX/2019 to XX/XX/2019 that was made by : MACYS/DSNB XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX As a side note, today XX/XX/2019 I requested an increase on my Bloomingdale 's store card ( DSNB   BLOOM, Contact Information XXXX XXXX  XXXX XXXX, OH XXXX ) and representative told me that It'll be a hard inquiry. In my humble opinion, how is it possible that customers to be told that there it'll be hard inquiry or not telling you at all? 

I would like any hard inquires to be removed from my XXXX  credit report made between XX/XX/2019 to XX/XX/2019 made without having knowledge by MACYS/DSNB   XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Thank you
Consumer complaint received 2018-05-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (FL)

After pulling my XXXX XXXX report, I seen a debt on my report that does not belong to me. The amount owed is {$980.00}. The account was placed into collections on XX/XX/2017. I have a current account with XXXX that is paid for every month and had no knowledge of a second account being open in my name. I have called and explained the situation to many associates to no avail. This debt is not mine and I do not owe this. This false information on my credit is stopping me from being able to purchase a house and car for my family.