davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-17
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. (GA)

XXXX acct # XXXX, XXXX XXXX acct # XXXX, and XXXX XXXX XXXX   are all reporting on a 12 year old debt that was never explained it was a second mortgage. I paid on this account for over ten years and the balance always stayed the same. I asked for a copy of the agreement I signed for the loan and they could never find it or refused to send it to me. XXXX went out of business and were doing predatory loans of which this was that kind of loan. This was a 14 year loan and I have been disputing the balance and late reports on my credit for over 4 years. I was never late, these loans that say charged off should say paid in full and loan closed. I am disputing the balance on the account that has a balance and I am disputing the late reports and the charge off. All of these need to come off of my credit report. I have never been contacted by anyone and this is over the correct limitations for reporting as well. These companies keep changing the date of the loans and making up the terms as far as months agreed to pay. the amount is wrong, this is NOT a mortgage and they need to take that off my account this was just a personal loan..
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act 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 2022-06-15
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. (PA)

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2021-10-27
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: EQUIFAX, INC. (CA)

My Student Loans totaling {$71000.00} were closed when I started receiving Social Security XXXX. XXXX reopened CLOSED STUDENT LOANS. I am XXXX XXXX. I have tried to resolve this issue with XXXX. 
I am XXXX years and I have been XXXX XXXX since XXXX. 

My student loans were closed In two parts XX/XX/XXXX, XXXX XXXX XXXX XXXX have harassed me relentlessly calling, send letters and emailing me. 


Attached are copies of closed accounts
Consumer complaint received 2018-12-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (SC)

On XXXX I made a purchase at XXXX department store. I made a split payment with my prepaid Serve American Express card and Visa card. On XXXX XXXX I returned the merchandise to the store and was issued a refund. In the same method I used to purchase. I was issued the refund on the Visa card immediately however my refund for {$29.00} never was refunded to my account. I contact the card holder and they proceed to tell me I needed to open a dispute. On XX/XX/XXXX I opened a dispute and over 12 days later I received a email to provide the receipt for proof of a refund. I provided a copy of the receipt. On XXXX I received a email from American Express stated my dispute was denied. I called the customer service number numerous time and can never reach a live associate. There is jo one to give me answer to why I'm out of my fund and merchandise. This company has been giving me alot of problems to give me my refund. I have all my paper work to prove I'm due my {$29.00} refund. This company is committing some fraud activities.
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2022-07-21
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. (NV)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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 2021-10-27
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. (CA)

My Student Loans totaling {$71000.00} were closed when I started receiving Social Security XXXX. XXXX reopened CLOSED STUDENT LOANS. I am XXXX XXXX. I have tried to resolve this issue with XXXX. 
I am XXXX years and I have been XXXX XXXX since XXXX. 

My student loans were closed In two parts XX/XX/XXXX, XXXX XXXX XXXX XXXX have harassed me relentlessly calling, send letters and emailing me. 


Attached are copies of closed accounts
Consumer complaint received 2022-06-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

I have a CARE CREDIT CARD, it offers promotional purchase ( EX. 12 or 18 months no interest if paid in full by expiration date ) So when I make a Promotional Purchase : example on XX/XX/2021 for XXXX and then another on XX/XX/2021 for XXXX and yet another in XX/XX/2021, all of these promotional purchase will expire 12 months from the original charge date which I understand but the problem is when I make my payments the Credit Card company does not apply my payments to the promotion ending the soonest, they apply them every where else, then they charge me 26.99 % interest because they say the promotional purchase was not paid off, but I did pay the balance off they just didn't apply the payment correctly. 
They don't give the consumer an option where to apply the payment, I am sure I am not the only person having this problem. 
This is not good practice. 
I have called every month since opening this credit card and it is not being addressed. 
Please Help the consumer...
Consumer complaint received 2018-04-26
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. (MO)

Every month for the last six months, XXXX XXXX XXXX continue to display inaccurate information onto my credit report at all tree Major Credit Reporting Agencies, intentionally. Enclosed is full complaint. Please read. 
Thank you ...
Consumer complaint received 2022-06-15
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. (NJ)

In accordance with the Fair Credit Reporting act, the following has violated my rights. 

XXXX XXXX XXXX- Account XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account # 1907 15 U.S.C 1681 section 602 A. states that I have a 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 consent
Consumer complaint received 2022-06-15
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. (NJ)

In accordance with the Fair Credit Reporting act, the following has violated my rights. 

XXXX XXXX XXXX- Account XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account # 1907 15 U.S.C 1681 section 602 A. states that I have a 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 consent
Consumer complaint received 2018-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX acct # XXXX, XXXX XXXX acct # XXXX, and XXXX XXXX XXXX  are all reporting on a 12 year old debt that was never explained it was a second mortgage. I paid on this account for over ten years  and the balance always stayed the same. I asked for a copy of the agreement I signed for the loan and they could never find it or refused to send it to me. XXXX went out of business and were doing predatory loans of which this was that kind of loan. This was a 14 year loan and I have been disputing the balance and late reports on my credit for over 4 years. I was never late, these loans that say charged off should say paid in full and loan closed. I am disputing the balance on the account that has a balance and I am disputing the late reports and the charge off. All of these need to come off of my credit report. I have never been contacted by anyone and this is over the correct limitations for reporting as well. These companies keep changing the date of the loans and making up the terms as far as months agreed to pay. the amount is wrong, this is NOT a mortgage and they need to take that off my account this was just a personal loan..
Consumer complaint received 2022-06-15
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. (PA)

I recently received a copy of my Experian consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-06-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BlockFi Inc (PA)

I requested two withdrawals, one for XXXX XXXX, and the other for XXXX XXXX on XX/XX/2022 around XXXX pm EST from my BlockFi Wallet account to two of my linked checking accounts. Per email/social media customer support these withdrawals should've been processed by today XXXX EST XX/XX/2022. They have not processed and still show as pending on the BlockFi platform and have not been released to me, which is concerning.
Consumer complaint received 2018-04-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (AZ)

In XX/XX/XXXX I was sold an interest only jumbo mortgage from Wells Fargo. Due to a divorce I attempted to sell the property, I owed XXXX at the time, the home value thru a Wells Fargo BPO came out approximately at $ 750K in XX/XX/XXXX. I applied for the Mortgage Modification Program XX/XX/XXXX. 
Paperwork went back & forth until XX/XX/XXXX when I discovered that Wells sold my loan to XXXX XXXX XXXX XXXX during that time frame for approximately $ 750K without responding to my modification request. Then XXXX XXXX XXXX ( XXXX ) sent me a loan statement saying I owe $ XXXX. After Wells Fargo took the tax deduction for the difference ( $ XXXX $ XXXX $ XXXX ) tax write off for Wells Fargo , they left me close to $ 250K underwater based on loan to value! Also, the mortgage contract stated I could not execute a short sale without the investors ' permission with them having the last word. If Wells Fargo would have worked with me and modified my mortgage loan balance equal to what they sold it to XXXX XXXX XXXX XXXX for I would have been able to keep my home. Instead their WICKED move left me $ XXXX buried and they took the tax deduction. Now XXXX XXXX has put my mortgage into a mortgage backed bond managed by XXXX XXXX. They have rejected 3 short sale offers and counter offered one buyer $ XXXX when the BPO came out at $ XXXX. They ran the buyer off! At this point I am stuck in limbo with my credit and livelihood in jeopardy. Attached is a letter I mailed to XXXX the current loan servicer. I would appreciate your assistance in this matter.
Consumer complaint received 2019-03-19
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. (TX)

XXXX is reporting me 90 days past due on the XXXX XXXX - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. 

Equifax and XXXX are reporting me 120 days past due on the XXXX XXXX - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. 

It is impossible to be late on accounts that have a {$0.00} balance and {$0.00} past due. This incorrect reporting is hurting my credit score.
Consumer complaint received 2018-02-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

I have sent a formal complaint to the Office of the President at Fifth Third and have attach this complaint to detail the exact events. Fifth Third did call and said they would respond by XX/XX/XXXX as requested in my complaint, but I have learned Fifth Third makes promises quite often that they don't keep.

To summarize my complaint on requesting a loan on a vacation home. I was approved for this loan on the 2nd wee k of XX/XX/XXXX. I put in an offer on the third week of XX/XX/XXXX and my loan manager at Fifth Third started the process. I submitted all documents within 24 hours of informing them of the accepted offer. After this point it was one thing after another as you can see in my complaint to Fifth Third. There lack of knowledge for handling a condo, HOA, and vacation home created one delay after another. Around the second week of XX/XX/XXXX I called my account manager and asked him to escalate the issues with management because dealing with the processor and underwriter were impossible. At this point I think I was flagged to fail because things only increasingly went downhill. Two weeks before my close they claimed the unit was considered a condotel. Once i offered supporting information from HOA and building owner that debunks the notation this building/unit operates as a condotel. Then it was some open litigation which again I was able to get the HOA legal department to demonstrate this was normal slip and fall and fall covered under the building liability insurance. This is when I was moved over to the VP in the mortgage department. She felt she could build a case for me and get this moved as a exception and approved. The morning of my close I was told legal and the bank president denied my request. I requested a simple document to present to the seller in hopes to extend my contract stating they refused me based on the " condotel '' and litigation claim, and they stated they would but never did. This decision and the length of time to make this decision has cost me financially because of prearranged travel, purchase of materials, and now needing a hotel at location in an effort to find a solution. To top this all off they promised to respond to me by XX/XX/XXXX but never did.
Consumer complaint received 2018-04-26
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: Grant Mercantile Agency (CA)

I was a victim of identity theft and provided XXXX with everything they asked for and the fraudulant accounts were deleted from my credit file on XX/XX/XXXX. Then i get a letter in the mail on XX/XX/XXXX stated that the accounts were being reinserted due to the police report not being valid or unverifiable. So i contacted the XXXX Police Department and asked if XXXX were to contact them directly could they verify that my report was valid and the lady said yes, no problem but they had not received a call from XXXX   regarding my report. I then called XXXX back 5 minutes later and they kept giving me excuses because they lied about calling the XXXX Police Department. They keep reporting the accounts as being verified. I even called the original creditor about the accounts and they had the wrong birthdate and age.
Consumer complaint received 2022-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

I used a CitiBank account while I did My XXXX XXXX at XXXX. I left XXXX $ deposited in that account now CitiBank says that they closed the account and they were not able to locate the funds, these were my savings.
Consumer complaint received 2019-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (GA)

XX/XX/XXXX Sent a letter to the 3 credit bureaus to remove a debt from Hunter Warfield Inc. off of my credit report and provided supporting documentation. 
XX/XX/XXXX Made a payment in error due to a mistake and trying to clean up credit report to move into an apartment immediately. 
XX/XX/XXXX XXXX and XXXX sent me a letter stating that Hunter Warfield Inc. was deleted from my credit report based off of the letter and supporting documentation I sent to them. 
XX/XX/XXXX I emailed Refund Request for Payment to Hunter Warfield Inc. and provided supporting documentation that the payment was made an error. 
XX/XX/XXXX I faxed Refund Request for Payment to Hunter Warfield Inc. 
XX/XX/XXXX I called for Refund Request for Payment to Hunter Warfield Inc. and requested verification letter. I was informed by the Supervisor that they were waiting on a response from the original company and needed an answer from the client. 
XX/XX/XXXX Hunter Warfield Inc. emailed need me stating " in need of additional time to conduct an investigation. As soon as we have a response from our client, we will complete our investigation and promptly forward our response and any applicable documentation to your attention. " XX/XX/XXXX Hunter Warfield Inc. emailed verification letter. 
XX/XX/XXXX I emailed requesting for an update on the status of my refund. 
XX/XX/XXXX I emailed requesting for an update on the status of my refund. 
XX/XX/XXXX I emailed requesting for an update on the status of my refund. 
XX/XX/XXXX Hunter Warfield Inc. emailed need me stating " in need of additional time to conduct an investigation. As soon as we have a response from our client, we will complete our investigation and promptly forward our response and any applicable documentation to your attention. 
XX/XX/XXXX Hunter Warfield has received the resolution to your dispute and we are unable to process a refund due to the fact that you voluntarily paid the account. The deletion from your credit has already been processed and if you have more questions regarding the process, please contact the credit bureaus for further assistance. 
XX/XX/XXXX I informed Hunter Warfield Inc. that I will be contacting a lawyer and the federal trade commission in regards to this matter wrongfully practice.
Consumer complaint received 2020-01-28
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. (FL)

On my credit report my score was XXXX last month and this month it dropped 37 pts. I have paid all my revolving and loans on time and this is not correct nor accurate. I called on XX/XX/2020 to dispute this decrease as I have no past open collection accounts or over due accounts. 

My email is XXXX And number is XXXX XXXX XXXX XXXX That 4 digits of ss # is XXXX
Consumer complaint received 2022-06-15
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, 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 2022-06-15
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. (TX)

15 U.S.C. 1681 a ( 2 ) states : Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information that resulted from an alleged identity theft, not later than 4 days after the date of receipt by such agency of- ( 2 ) a copy of an identity theft report. 

To which case, this happened to be XXXX XXXX ( XXXX XXXX )/
Consumer complaint received 2019-03-25
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (GA)

I applied for a VA Home Mortgage in XXXX through Wells Fargo National Association. In XXXX after my divorce, my ex-husband applied for a new VA home loan to take over the mortgage. Wells Fargo refuses to send me a copy of the closing documents we signed in XXXX with closing attorney XXXX XXXX. I have tried to get the closing documents from XXXX XXXX, but he stated, he does not have any copies of the closing documents. 

I have asked Wells Fargo to send me a copy of ALL of my loan documents, I need a copy of the original loan documents in XXXX and the closing documents I signed in XXXX. 

My loan documents were changed and altered after I signed them in XXXX. 

I have NEVER been released from the original loan. 

My ex-husband and I met a the closing attorneys office in XXXX to sign closing documents, but I recently learned, they never issued a new loan. Wells Fargo did an assumption instead, so why did we meet with the closing attorney?