davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I have been trying to get a loan modification with Wells Fargo. The process started at the beginning of the year and has been going on since then. I am a XXXX year old XXXX veteran and my wife and I have been struggling to stay in our home. Wells Fargo has threatened us with foreclosure while in the loan modification process. Meanwhile the bank has been stalling and stalling and we can not seem to move forward. What angers me as well are the advertisements they run on the tv. One states they have changed ( since cheating their customers ) and another talks about their involvement in helping different charitable organizations.. I am a veteran and I believe I have a predatory loan. They appear unwilling to help but seem intent only on stalling without any progress made to resolve this issue.
Consumer complaint received 2018-08-01
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. (IL)

i had setup an automatic bill pay in XXXX and i sent the necessary paperwork for it. and it didn't get properly processed on XXXX XXXX XXXX side. So i called them and they said to dispute it through this process. it is on my XXXX and transunion as late when i never been late.
Consumer complaint received 2018-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: On-Site Manager, Inc. (IL)

I applied for an apartment on XX/XX/XXXX. I denied the due to an eviction. The eviction was filed in my bankruptcy case XXXX. There no public records about the eviction.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

After a late payment without notice my account went to a charge off, a very small amount of {$450.00}. Once notified of this I paid it immediately and assumed it was a mistake. 

After providing proof to the lender XXXX XXXX, that my account was paid immeediately and had documentation to prove that I returned the vehicle correctly, this has cause a significant drop in my credit score. 

I had a near perfect credit score for 12 years and this small mistake on XXXX XXXX 's part has caused a significant impact to my score which has affected me while trying to purchase a house. 

This company could very easily just remove the charge off from my account and be done with the issue but it continues on.
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 — Their investigation did not fix an error on your report
Company: The Law Offices of Mitchell D. Bluhm & Associates (NH)

XXXX XXXX is reporting a COLLECTIONS debt for unpaid medical expenses. 
One of these was removed, but two remain in the amounts of : 1. {$180.00} ( Date Updated, Payment Received ) I did NOT make a payment on this account. I have no knowledge of this account. 
2. {$200.00} ( Verified as Accurate ) I have no knowledge of this account.

I disputed these debts for the following reasons : 1. I had no knowledge of the debt.

2. The company, MBA Law, never attempted to collect the debt from me.

3. The debt does not match anything under my medical bills in the amount or date.

4. I have paid my medical debt or I am paying I'm accordance to a plan.

5. This has been added as a collections account to my credit report without the 180 days delay in reporting in accordance to the 2016 Credit Reporting Act. 
6. MBA Law has not provided proof of this debt belonging to me.
Consumer complaint received 2018-08-01
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Law Office of Linda Strumpf (NY)

On XX/XX/2018, debt collector, who is posing as an attorney ( Linda Strumpf ) AND who is the CEO of the plaintiff ( XXXX XXXX ) served my bank ( XXXX XXXX ) with an illegal judgement for {$5900.00} to be withdrawn from my social security account. Thus far, they have gotten {$3100.00}. This money is a combination of my social security and a loan. I have had no dealings with XXXX XXXX. I have never received PROOF of ANY debt from XXXX XXXX or a court notice. I have lived at my current address for almost 6 years and a previous address for 3 years. No court notice, yet the index number is XXXX in the Civil Court of XXXX. I got this and the following information from my bank : to call XXXX, XXXX XXXX XXXX. I called. Left message. No cooperation or return call. I informed them I would contact CFPB. Again, nothing ; however since then I have learned that there are many complaints against Strumpf who wears two hats. Additionally, it appears that the Connecticut address is currently bogus as there are 7 companies at XXXX XXXX XXXX, XXXX XXXX, Ct XXXX but only ONE since XX/XX/XXXX which is actively owned by XXXX XXXX ; the others involved Linda Strumpf. Additional addresses are XXXX XXXX XXXX, XXXX XXXX, NY XXXX and oddly enough, the XXXX that XXXX XXXX gave me as Linda Strumpf is listed by XXXX as XXXX XXXX.
Consumer complaint received 2018-02-02
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)

The document XXXX XXXX has uploaded is NOT VALID. I have mailed XXXX XXXX  a copy of my correspondence that they should have received in 2016 along with recent identity theft report made with the FTC as well a copy of my LEASE amendment that was signed and dated in XX/XX/XXXX 2016 along with a summary billing statement that I received upon request from XXXX XXXX. My utility company at that TIME when I RESIDED IN NEW YORK STATE. I DID NOT EVEN LIVE IN THE STATE OF ALABAMA. The signature on said document does not even match the signature on my LEASE. HENCE, the reason its called IDENTITY THEFT. My RELATIVE had another Photo ID, birth certificate AND social with MY name on it. HER ACTUAL license has been suspended for YEARS hence the reason why she probably had to steal my entire identity just to get a vehicle and auto insurance and gas and cable. I will be consulting a lawyer on this matter should this information wrongfully remain on my credit report. By all means feel free to contact the apartment complex management office AND utility company to verify the documents presented. For all I know she has an employee at XXXX and at the dealership who worked with her to cook up this fabricated MESS
Consumer complaint received 2018-08-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My Bank of America Business Debit Card XXXX XXXX XXXX XXXX XXXX XXXX - account ending in XXXX ) has charges for purchases from XXXX that I reported as FRAUD. Some one made several charges to my card totaling {$1600.00} as follows : XX/XX/XXXX {$360.00} XX/XX/XXXX {$540.00} XX/XX/XXXX {$390.00} XX/XX/XXXX {$380.00} I reported this fraud to XXXX as well as some of the items were sent to my house.??? 
I insisted that XXXX send UPS to pick up these items that I did not order. After weeks of correspondence with XXXX, they finally sent UPS to get the fraudulently ordered items. 
Initially, Bank of America told me that I would not be responsible for fraudulent items charged to my card so they issued temporary credits which B.O.A has now reversed and taken the money from my account leaving me once again with over draft fees and a negative balance. I just put money ( that I need to use for my bills ) in that B.O.A account to bring it current. To make matters worse, Bank of America said they would take even MORE money from me on XX/XX/2018. They need to stop stealing my money! I have spoken to several fraud investigators at Bank Of America regarding this ... .hours and hours on the phone. One of the investigators even told me : " I've been doing this a long time and if it was fraud the items wouldn't have not been sent to your house. Really? If he knew every move criminals and thieves make why did bank of America let the the thieves make charges to my account then? He implied that I was lying and myself or some one I know did in fact order from XXXX. I then asked him to look at the history of my account and tell me when I ever ordered from XXXX. He agreed he didn't see where I had. In essence, Bank Of America is denying my claim and stealing my money because they said those charges fit my pattern and XXXX said it wasn't fraud because the card and address was linked to me. I insist it was and is FRAUD and I want ALL of my money back from XXXX and Bank Of America. I've been a loyal customer of B.O.A. before they were Bank of America. I am disgusted at this unfair discriminatory treatment I am receiving from Bank Of America. They should have never allowed these charges to go thorough it the first place because clearly ordering from XXXX for 4 days is NOT my shopping pattern. Shame on you Bank of America for your unfair, unjust and discriminatory treatment to me! 
XXXX XXXX XXXX & XXXX XXXX XXXX.
Consumer complaint received 2022-05-03
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: BARCLAYS BANK DELAWARE (GA)

I have been a victim of fraud/identity theft and someone ( unknown ) opened up a Barclays Bank Credit Card , Date Opened : XX/XX/2019 and has an account balance of : {$47000.00}. I did not authorize this account and this account was not opened by me. Therefore, it is appearing on my credit report and is negatively affecting my credit rating. This fraudulent account is showing up on my XXXX Credit report and they are not blocking the account from my XXXX credit report. I have sent them a police report and an XXXX certified mail and they have verified it accurate, which is not true. Therefore, I am demanding for XXXX to remove this fraudulent account immediately before I take further legal actions and file a lawsuit against XXXX for violating the Fair Credit Reporting Act and reporting inaccurate information on my credit report.
Consumer complaint received 2018-03-08
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (AL)

Creditor : Onemain Credit Bureau : XXXX XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from XXXX   on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( XXXX XXXX XX/XX/XXXX ) I contacted Onemain on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XX/XX/XXXX, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for Onemain or XXXX  who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX
Consumer complaint received 2023-01-03
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: EQUIFAX, INC. (CA)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-13
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. (SC)

I requested an investigation of an account placed on my credit report. XXXX XXXX placed a collection on my reports for XXXX. I was appalled and requested the credit bureaus conduct an investigation and I also requested validation/verification from XXXX XXXX XXXX. 

XXXX as well as Transunion both reported the account was verified. I received a response from XXXX XXXX dated XX/XX/2018. The information contains several discrepancies. 
The date of birth for the handwritten account number XXXX contain a date of birth of XX/XX/XXXX. They also provided several signature pages that are NOT my signature. 
According to the FDCRA ALL information must be properly verified and 100 percent accurate. DOB and contract signature are 2 main components when it relates to reporting on consumer credit reports. It is the credit bureaus due diligence to conduct a thorough investigation, and any information that is NOT accurate or can not be properly verified should be deleted. In my case per my request the information is not accurate and should have been removed per the initial investigation request.
Consumer complaint received 2018-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (OH)

I recently applied for a Barclays Visa card for XXXX Rewards. The main purpose for opening this application is because I wanted to buy a XXXX on 12 month finance. Shortly after my application I got an mail from Barclays asking me to call them and verify my information listed on my application. I called on XX/XX/2018 at XXXX to verify my information. They asked me for a copy of my proof of address, ID, and social security. I asked them if I gave them a copy of my passport and visa would it be okay or not, since I am here in the US on XXXX XXXX doing my XXXX at XXXX State and they said no and further said that it has to be a US passport. I am really surprised by this because this feels like discrimination against my national origin and it violates the Federal Equal Credit Opportunity Act. Please help me resolve this issue thanks.
Consumer complaint received 2020-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

The referenced credit bureau has ignored my requests to property investigate and is inaccurately reporting a bankruptcy on my credit report. When written disputes are submitted, I receive an auto generated response stating that they are confirming the information with XXXX XXXX ( a third party verification company ). 

I reached out to XXXX XXXX to verify this information and they have assured me that there is no such bankruptcy being reported by them as of XX/XX/2020. I have attached a letter from them stating my information was updated for your records. 

This inaccurate reporting from XXXX  and Experian is inaccurate, it is hurting me personally and my chances of showing credit worthiness, I have been denied business loans and government assistance for business loans because of these inaccuracies and it has caused extreme hardship, stress and time trying to get this corrected.
Consumer complaint received 2018-11-09
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: EQUIFAX, INC. (IL)

To whom it may concern, On XX/XX/2018, I received an alert that a new credit inquiry appeared on my Equifax credit report. I was surprised as I hadn't recently applied for a bank product or an account that would require a credit check. The inquiry came from XXXX. I immediately knew this inquiry was initiated by an unknown individual who has been using my SS # to work in the state of Colorado. I have never lived in Colorado. I immediately sent a dispute to Equifax but within a day I but when I attempted to logon to check the status of the challenge I was unable to. The account in question was set up in XXXX, Colo. I have no Colorado address on my credit report. I believe I have a fraud alert on this account as well. So, when XXXX went to verify the credit report, the discrepancy should have been noted. I have tried to resolve this with XXXX as well with no luck. I even did a second dispute with Equifax and the same thing happened when I tried to check the outcome of the investigation. I received an error message saying I am unable to access my account. 

The Colorado Department of Investigations is working on my case of identity theft in regards to the unauthorized  employment. I provide their contact information, if needed. 

Thank you for your time and help. 

Best Regards, XXXX XXXX
Consumer complaint received 2018-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NY)

I have been trying to cancel my account as I continue to get charged monthly, and their app no longer works. When I call to cancel, they do not let you proceed unless they identify you by your social security and zip code. Once I put in that information, I am told by a recording that I do not have an active account. I have no option to proceed or speak to a representative, that is the end of the call. There is absolutely no way to speak to someone by phone, to cancel by email or mail. I need to cancel my account and they are making it impossible.
Consumer complaint received 2021-04-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2024-05-10
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. (GA)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$16000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-12-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MD)

This is annoying because my I would not have been able to obtain credit if my score was low and now because I have several cards open I am being penalized although they all are paid on time. This is ridiculous my score have dropped from XXXX to XXXX. This makes no sense at all. I want my score fixed at there earliest convenience. Thank you so much. I feel this is more that just unfair.
Consumer complaint received 2018-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hello, I have at least four ( 4 ) hard inquiries on all three credit report agencies ( TransUnion, XXXX, and XXXX ) as well as closed accounts that have since been satisfied in full via two collection agencies ( XXXX XXXX  and XXXX XXXX ). I've  contacted all three agencies directly, as well as through XXXX XXXX and the erroneous information has not been removed. 

I've worked really hard this past year to clean up my credit, I need to move XX/XX/2019 after my apartment lease is up yet these hard inquiries and closed account as previously mentioned, are either old or attempts to obtain credit in my name without my knowledge and consent. Any action you can take to aid in the removal of the negative information on my credit reports would be invaluable. 

Many thanks, XXXX XXXX