davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-09
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)

I sent a letter on XX/XX/XXXX, to remove : 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 Balance : {$0.00} ; XXXX  XXXX Balance : {$1700.00} ; XXXX XXXX XXXX Balance : {$3000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  XX/XX/XXXX which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XXXX. Ive already included this in my previous Complaint # & I am including it again.,
Consumer complaint received 2021-03-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: National Credit Systems,Inc. (LA)

I was wrongfully discriminated against. My car was vandalized on XX/XX/2019 in the middle of the night. The apartment company I was renting from gave me a notice to quit because of that action and I was forced to move out immediately and still be required to pay the remainder of the lease.
Consumer complaint received 2020-11-03
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: Experian Information Solutions Inc. (FL)

I am writing because I do not recognize certain items on my credit report. The accounts are listed below. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them. However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct.
Consumer complaint received 2024-02-01
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. (OH)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  Balance : {$1200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ( Date Opened : XX/XX/XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX {$10000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX 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 2024-02-01
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. (IL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item information below XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/200XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$5600.00} XXXX XXXX Balance : {$110000.00} XXXX XXXX : {$2200.00} XXXX XXXXXXXX XXXX Balance : {$560.00} XXXX XXXXXXXX Balance : {$36000.00} XXXX XXXX XXXXXXXX Balance : {$290.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$650.00} XXXX XXXXXXXX Balance : {$680.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX.
Consumer complaint received 2018-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Seterus, Inc. (CA)

In XX/XX/XXXX, I received notification from Seterus, my mortgage servicer, that my taxes went up over {$300.00} a month and I was expected to start paying the added amount as of XX/XX/XXXX. This seemed odd to me so I contacted the Tax Assessor 's Office and discovered an error was made. Unbeknown to me my property was incorrectly recorded as a sale on XX/XX/XXXX and was assessed as such. It was assessed at XXXX  price as opposed to XXXX  when I bought the property. The Tax Assessor sent me notification of the error ( attached ) and I forwarded it to Seterus. In the meantime I paid my regular payments but did not have the money to pay the added incorrect amount. I kept getting late payment notices with warnings of foreclosing. Seterus would not change the amount I owed for taxes until they received the next tax bill in mid-late XXXX eventhough I sent them proof that it was a mistake.. In fact, the Assessors office sent me a check for {$1500.00} overpayment for XXXX and both the Assessor and myself notified Seterus of the overpayment.

On XX/XX/XXXX, when I had the money, I spoke with XXXX  at Seterus and set up a payment plan so they would take no further steps consisting of 3 payments ending XX/XX/XXXX. However I paid it off in XXXX. When I discovered they reported me 2 months delinquent on my mortgage to the credit bureaus I requested XXXX XXXX to investigate.. Seterus still refused to remove the negative remark from my credit report.
Consumer complaint received 2018-09-26
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. (GA)

I did not apply for any mortgage online. I have disputed this with XXXX XXXX and XXXX XXXX   twice and they are not working with me. I have also disputed this with Equifax credit reporting agency and they have refused to take it off of my credit report.
Consumer complaint received 2018-09-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OK)

I got notice of a termination of rental property insurance/home owners policy. I called them to see what's it about. They said it was because I was living in the house and it had to be switched to the regular homeowners policy ( which is what I've been trying to get for the last year ). But after all that they tell me that because I have a flag for credit card that I couldn't pay because I had to worry about survival first, it was charged off the insurance couldn't be updated. I got transferred to 3 different departments till I got to the resolution department. They told me it will remain in the charged off status till it is paid off. Which I get. They wanted XXXX within a year, which I can't say ya or nay because I am still trying to get my life fully going again. When I asked if I agree to the terms would it lift the flag she tells me She doesn't know because that's up to the insurance side. Of course the insurance side is the one that said the collection department had to do it. Now I'm going lose my homeowners insurance because they don't want to help. I understand that I owe them for the credit card but I also have to think of survival too. But these are 2 different accounts. And I guess they don't understand survival first. I guess they don't want me as a customer anymore too. I was going to start paying on it as soon as I was able but it shouldn't affect the insurance.
Consumer complaint received 2023-01-09
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. (CA)

I sent a letter on XX/XX/XXXX, to remove : 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 Balance : {$0.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX Balance : {$3000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX Ive already included this in my previous Complaint # & I am including it again.,
Consumer complaint received 2022-03-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

I have contacted this company about this debt. I have had my identity stolen, had to have my cards and ids replaced. I explained this to them and started to threaten me will a lawsuit, jail time, I asked them to remove the inquiry from my credit report. The amount stated i owe is XXXX I have not taken any such loan out.
Consumer complaint received 2019-02-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

My monthly mortgage payment will increase by {$600.00} effective XX/XX/XXXX due to escrow. In XX/XX/XXXX, my loan was transferred from XXXX XXXX XXXX  to Mr. Cooper Mortgage. XXXX XXXX states they paid my school taxes of {$6000.00} before transferring the loan to Mr. Cooper. Mr. Cooper stated that they paid my school taxes after the load was transferred to them. If both mortgage companies paid, this would have resulted in two payments for the same school taxes ; hence, an overpayment.

Per Mr. Cooper, their escalation department contacted the county to verify how many payments they received for XXXX and the county confirmed that only one payment was received for XXXX. Afterwards, I reached out to Mr. Cooper asking who submitted the payment to the county : XXXX XXXX or Mr. Cooper and Mr. Cooper stopped responding to my inquiries. I have been trying to resolve this matter for sometime. We do not have an additional {$600.00} to add to our current mortgage payment. We understand that mortgage payments can fluctuate ; however, an additional {$600.00} is extremely excessive. 

We would have never purchased a home that would cost us an additional {$600.00} per month. This is way out of our budget. 

Can you please help us.
Consumer complaint received 2022-03-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY ()

Wells Fargo made a faulty transfer to my bank account. The money was returned and now WF makes it impossible for me to get my money back. I made more than 10 attempts to talk to WF. Every time I talk they give me new information. In the end nothing happens. 
I need you urgent help with this. 
Here are the details : I had a saving account in Wells Fargo Bank. 
On XX/XX/2022, Wells Fargo sent me an e mail saying that this Bank required that all consumer provided a valid primary residential address located within the US or its territories. As I don't live in the US, I decided to close the saving account, because they pointed out a deadline until XX/XX/2022. 
I called Wells Fargo from XXXX, using the phone number XXXX XXXX XXXX XXXX ( that calls were charged to my phone receipt, even when they were supposed to be no charge ), and I asked to close my account. They gave options to get my money : to send me a check or to do a wire transfer. I choose the second one to a bank in XXXX, and I called Wells Fargo and gave them next information so they send me the money : Account number in Wells Fargo Name of the Bank of destination ( in XXXX ) Swift code Account number of destination XXXX  key Owner of the account in XXXX ( me ) On XX/XX/XXXX, a Wells Fargo banker called me and verify the information, she let me know that the deadline to have the money in my account in XXXX was XX/XX/XXXX, but maybe too much soon. 
On XX/XX/XXXX, I received an email communicating my account was closed. But the money was not in my account. 
I called Wells Fargo many times ( all of them charge to my phone receipt ), and finally they told me I had to ask in the XXXX bank, because as the Wells Fargo account is know closed, and they could not find the money. 
In the XXXX bank they told me Wells Fargo asked for an investigation about that transfer, and they answered them on XX/XX/2022, the money was returned with a transaction number. I called Wells Fargo again, and sent that number, but they just answered : Hello We have contacted to our wire room- Wire still has not been returned and no messages from Beneficiary bank. 
Please contact your bank regarding your wire transfer. 
Thank you Said an Operations Processor, Issue & Inquiry Resolution / Account colusures & Partial Withdrawals What can I do know? 

I just want to have my money.
Consumer complaint received 2018-09-26
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: EQUIFAX, INC. (GA)

XXXX has a collection on my file from XX/XX/2012. The account number is XXXX for {$1900.00}. I disputed this item and the bureaus left it on my file. I have now contacted XXXX FIVE TIMES. I gave them the account number from the credit bureau file and all of my personal information. They can not find this account in their system. 

How is it possible that the bureau sends a dispute to XXXX and XXXX sends back verification OF that dispute and it remains when XXXX can not locate it with their account number or my social security number? Or do the bureaus even send this dispute to XXXX? Perhaps they just leave all XXXX items on the file without the dispute process? 

How is it that a consumer can be held hostage to a collection account that they are unable to pay? Is this like a phantom parking ticket? Or perhaps a loan sharking loan where there is no record of the loan? 

CFPB should publish this. How often are consumers ripped of their rights like this?
Consumer complaint received 2021-06-29
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: JPMORGAN CHASE & CO. (FL)

I pay my credit card bills in full each month. The statement with a payment due date of XX/XX/XXXX was paid electronically XX/XX/XXXX ( confirmation XXXX ) before I had a chance to go over the individual charges. I did later that day, and discovered that NONE of the {$2300.00} in charges was legitimate, called Chase and reported the charges as fraud and " locked '' the card on XX/XX/XXXX. I have NOT made any purchases on this account since then. I have never unlocked the card. 
Chase sent me a new card with a new account number a few days later. The XXXX statement showed no new activity, and a credit of {$2400.00} for the reported fraudulent charges. The XXXX statement showed another fraudulent charge of {$43.00} ( XXXX ). The XXXX, XXXX statement arrived, showing yet another fraudulent charge of {$31.00}, leaving a balance of, per Chase, - {$2300.00}. 
The XX/XX/XXXX statement arrived showing a - {$2300.00} plus {$3700.00} in new, fraudulent charges on a card I never unlocked, leaving a new, incorrect balance of {$1300.00}. I reported the fraud upon receipt and cancelled the card. My XXXX statement showed credits for the XXXX statement fraud, as well as another {$630.00} in fraudulent charges on a locked card, which I immediately reported. Then I received a statement dated XX/XX/XXXX stating " you are responsible for the following transactions '' and all the fraud I reported was suddenly my responsibility because " you received benefit from this transaction. '' This matter remains unresolved, and Chase has reported my " lack of payment '' to the credit bureaus.
Consumer complaint received 2024-02-01
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. (FL)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-05
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. (FL)

On my Equifax credit report my mortgage payments and balances are not being reported at all for several months dating back as far as 2017. I call XXXX to resolve the matter and I am told that XXXX is reporting my mortgage information accurately and consistently and that it is an issue with Equifax however the data is not available still in my Equifax credit report. So, I call, file complaints and disputes with Equifax and they respond by telling me that it is XXXX XXXX   fault that XXXX is not furnishing them ( Equifax ) with the data. I AM NOT GOING AWAY! THIS MATTER  WILL BE RESOLVED REGARDLESS OF WHO'S FAULT IT IS! 
Please take a look at the Equifax credit report, you will see that multiple months reflex no data for my XXXX Mortgage. I AM NOT OK WITH THAT, IT NEEDS TO STOP! 
Also the resolution letter from XXXX does not address this issue and why and who is NOT DOING THEIR JOB! FIX IT OR PAY THE PRICE! XXXX has already been sued for this lack of ethics and changing your name isn't going to change the fact that what you are doing is wrong on so many levels.Way to much data missing from my XXXX mortgage, MONTHS!
Consumer complaint received 2019-11-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

On XX/XX/14, I mailed a BOA check to the address below : Internal Revenue Service XXXX  XXXX, MO XXXX After receiving a letter form the IRS on XXXX that the check was not received, I logged into my BOA account to check the status of check # XXXX. In reviewing the check, I noticed that it was cashed by a Merchant   XXXX at a XXXX bank. I immediately called Bank of America fraud and initiated a claim. 
On XXXX, I went to the DC  Police department to open an investigation. On XXXX, I returned the claim form that Bank of America sent me that morning with signature and details. When I requested to be temporarily returned my funds, Bank of Americas fraud supervisor XXXX/XXXX  stated that this type of fraud doesnt allow Bank of America to return funds. 
As a customer, I should not be treated as a criminal. I am the only victim in this situation. Bank of America should have never honored a check written to the IRS and cashed by a bank. It is completely inappropriate for the customer to be inconvenienced when Bank of America didnt perform its fiduciary duties to protect my funds.
Consumer complaint received 2023-01-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I did not supplied proof under doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefor any such debt, in fact exists Please remove all fraudulent accounts as I have no knowledge of them. Due to the XXXX  data/identity theft breach my identity was compromised. According to FCRA 605B this information must be blocked immediately until investigation is over.
Consumer complaint received 2024-02-01
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts 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