davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WA)

Company : XXXX XXXX Account number : XXXX Account type : Secured Loan Date opened : XX/XX/XXXX Status : Account charged off. {$700.00} written off. {$350.00} past due as of XX/XX/XXXX. 

XXXX updated : XX/XX/XXXX Balance : {$400.00} Balance updated : XX/XX/XXXX This is an inaccurate credit reporting that I don't recognize. I filed a dispute with Experian, XXXX, and XXXX. But for whatever reason it remained on my credit report. They haven't provided any information on how exactly they verified the debt.
Consumer complaint received 2022-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

This debt was for water filtration service that was not completed and under dispute. Moreover it was not in my name it was in my ex-husband 's name. The company XXXX  XXXX which is now owned by XXXX gave the collection to a collection agency depsite the fact that it was under dispute and not in my name. They added my name to the debt without any agreement or authorization from me. Morever they never responded to the substantive claims of my dispute.
Consumer complaint received 2021-12-02
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)

Office of the Attorney General reported in XX/XX/XXXX my child support will never late in XXXX and XXXX. I have a XXXX balance. I screen shot the picture of XXXX balance and no lates. However upon looking at the months after it shows 30 late XXXX and 60 late in XXXX. I need this corrected. I have attached a screen shot of the item from XXXX and i need it to be corrected to show the exact same on my report for all three bureaus.
Consumer complaint received 2021-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2021 I notified the credit bureau 's that I am a victim of identity theft and that my credit report reflects some unauthorized inquiries on my credit report. I submitted a copy of my identity theft affidavit along with my dispute and as of today XX/XX/2021 the unauthorized inquiries continue to report on my credit report.
Consumer complaint received 2018-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (CA)

On XX/XX/XXXX I took my cat to the vet after being hit by a car. The short of it, he needs an operation that costs XXXX $ to save his leg. I spent 5 years fixing my credit so I figure XXXX XXXX would increase my card to that. Nope ... Denied due to inaccurate reporting of an account by moneylion. My bank information did not update in their system which caused my payment to be THREE ( not 30 ) days late. I got back on a payment plan and paid as agreed. Upon receipt of a final payment from my mortgage refinance they FINALLY decide to report the account and report it late AND in collections and claim it's 90 days late. I was only late twice and both times, even combined, is less than 30 days.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2021-12-02
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. (FL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2020-11-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (SC)

Scammers scammed money via provided the job opportunity and house purchasing for relocation. 

XX/XX/2020. I deposit a {$10000.00} check into the scammers ' bank account. 

Account name : XXXX XXXX Account Number : XXXX XXXX XXXX Routing Number : XXXX Swift Code : XXXX Address : Wells Fargo, XXXX XXXX XXXX, XXXX XXXX, CA XXXX
Consumer complaint received 2020-11-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC. (FL)

ally auto finance gave me a 14.2 % loan inhumane rate then covid came and law allowed for 3 month extension. after making 7 payments of XXXX $ they took it all as interest almost 7,000 and XXXX to principal. this should be illegal. it is inhumane, cruel, and not possible to manage specially in hard times
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I was notified by my bank that a {$53000.00} line of credit was taken out under my name. I have called the collection agency along with Experian, XXXX, and XXXX to help resolve this fraudulent charge. There has been no resolution as I initially learned of this issue on XX/XX/XXXX and have seen been working to remove this from my credit report ever since.
Consumer complaint received 2021-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

We are small business owners. My husband and I share a Wells Fargo business checking account. I can not get an online access setup even after calling the XXXX customer service department several times, while my husband has no problem getting his online account set up with their help. We both have very high credit scores and work at the same company. They could not tell me why they couldn't help me and I felt I was discriminated against the way they treated me. After spending hours talking with different people and being transferred to more people. At the end. I gave up. Since my husband 's on-line access is working, I am fine without the online access, I thought. That is until today, when I received a cashier 's check in mail from Wells Fargo, They decided to close our bank account without our consent, explanation, nor prior notification. This resulted in disruption and loss of money since we could not receive our monthly payment to the account. We have never requested to close the account. The over {$2000.00} cashier check we received does not have our names on it. They can not deposit to our personal bank account. We lost money because XXXX illegal activity. 

We would like CFPB to investigate Wells Fargo 's and help us recover the fund we have loss due to XXXX 's wrong doing. 

Thanks
Consumer complaint received 2017-12-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Advanced Collection Bureau, Inc. (FL)

I have a medical bill that i am paying payments on, i have notified both collectors they are not only reporting on a bill i have a set payment plan on with the original collector ( the hospital ), but im not behind on any payments. I was neither notified or anything of items going to collections. I work for the government so they provide Insurance that was supposed to handle all of these. Now i have multiple collections agencies adding collections for the same debt with multiple bureaus and these were applied to my credit only ONCE I GOT APPROVED FOR A MORTGAGE. These are from several years ago, some from XX/XX/XXXX and XX/XX/XXXX. Not only are the bills paid but they are inaccurate and both adding the same collection. Its not fair to the consumer. XXXX and XXXX XXXX XXXX are both adding collections for the same debt that is being paid to the original collector. XXXX tactics and the credit bureau or the collections service i have no contract or obligation to pay will fix.
Consumer complaint received 2018-07-27
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. (LA)

I CALL IN XXXX THE FIRST WEEK STATING THAT I HAD INQUIRES NEED TOO BE REMOVED DUE TOO FRAUD IN 2015 NOTHING HAS BEEN DONE
Consumer complaint received 2022-04-27
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TX)

Borrower submitted a complete loan modification application package to XXXX for loss mitigation on XX/XX/2022 while the foreclosure sale was postponed until XX/XX/2022. While the loan was being underwritten the loan was transferred to Rushmore Loan in XXXX without decision being made. We contacted Rushmore in XXXX but they had not received the full file with the loss mitigation docs we submitted however they allowed the foreclosure to move forward for XX/XX/2022. We contacted VA to request a postponement while we resubmit a new file to Rushmore. Although the VA rep. requested a postponement of the foreclosure he could not determine if Rushmore would do so.
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

Equifax needs to delete all those incorrect addresses, and incorrect spelled names. The only address that is correct is XXXX XXXX, Florida. Delete all the other addresses immediately. Also my name is missed spelled. Why is it taking so long to correct? My name is XXXX XXXX XXXX XXXX. This should be the only name on my report. Also, there is a bankruptcy that i been disputing on my report and it shows the date filed was XX/XX/2021. Why did you report this incorrect information? I am so tired of dealing with Equifax about all of these incorrect reportings. Isnt this a violation of the fair credit act? I DID NOT file for bankruptcy on XX/XX/2021. I want to see proof of verification on how Equifax came up with this information IMMEDIATELY.
Consumer complaint received 2017-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I have contacted Transunion multiple times to file a dispute for multiple fraudulent inquiries on my credit report. I spoke to a supervisor in the special handling department who advised me to file a report because the inquiries keep coming back as verified. I did not authorize these inquiries nor do I have any knowledge of them. I filed a dispute with Transunion on XXXX for the following inquiries : XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, SXXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, XXXX XXXX on XXXX/XXXX/XXXX and XXXX on XXXX/XXXX/XXXX. All of these inquiries are considered fraudulent. I have filed a report with the federal trade commission to report myself as a victim of identity theft, I will attach that report as well. These amount of inquiries are holding me back from moving forward with my credit. I have already attempted contacting all of the creditors. XXXX XXXX took down my information and gave me several reference numbers and XXXX just informed me to contact Transunion. They all say theres nothing they can do, they state Transunion is the one who can make the deletion. Please remove these fraudulent inquiries off of my credit report.
Consumer complaint received 2020-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (GA)

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2022-04-27
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. (FL)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9000.00}, {$3200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2016 with a balance of {$9000.00} -This is not my account. 


XXXX. XXXXXXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2016 with a balance of {$3200.00} -This is not my account.
Consumer complaint received 2020-11-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Public record information inaccurate
Company: TCF NATIONAL BANK (PA)

I paid off a Home Equity Line of Credit in full in XX/XX/2020 and received the attached paid in full letter dated XX/XX/2020. The company, TCF, has still not recorded the lien as satisfied so I am experiencing delays and am unable to close on a new 1st mortgage with XXXX as a result of this HELOC not being recorded as satisfied. I have asked the company, TCF, to simply provide a copy of the satisfaction documents that they say were sent to the courthouse or to provide a letter confirming that the loan is closed and that the satisfaction process is in process. Either of these would be acceptable to the title company handling my new loan closing but TCF is refusing to provide anything. As a result, I am incurring several XXXX dollars in rate lock extension fees as I have been delayed in closing for over 2 months already with no end in sight.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Central Portfolio Control Inc. (CO)

On XX/XX/25, I disputed a derogatory mark from Central Portfolio control on XXXX. I see that they have marked this account as open 8 months ago, this is not correct. The account they are referencing was opened years ago. I asked for them to remove the fraudulent information and they have refused.
Consumer complaint received 2021-05-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

This company has my address in correct I have called ma d provided the correct information my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-02
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: CAPITAL ONE FINANCIAL CORPORATION (MS)

On XX/XX/XXXX I sent out via certified mail to creditors that showed inquiries on my credit report that were not authorized by me. Dozens of letters and I received back the postage that they were all signed for and had been relieved by XX/XX/XXXX. I did not hear from any of them. I then sent a letter to the credit bureaus. I wanted longer than 30 days and on XX/XX/XXXX sent of via ferried mail, letter to each of the 3 credit bureaus. All 3 received by XX/XX/XXXX. I have yet to hear back and when I called today, all 3 customer service reps stated that they could not help me.
Consumer complaint received 2022-04-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, I fell victim to a multilayered operation orchestrated by a sophisticated con-artist named XXXX from thXXXX delivery company XXXX XXXX  XXXX the Scammer ) and lost XXXX USD of my hard-earned funds. I advised Citibank of this fact on XX/XX/XXXX and I havent received any satisfactory response so far. I would like to say that I am a XXXX citizen vulnerable to scams, and the bank never took that into account. My true issue with the bank is their limited understanding of the kind of recall I was consistently requesting to raise. Whilst I am not denying the demand for the reason code, I have deliberately emphasised to the bank that my case falls under a different reason code. 
Despite providing the bank with the required explanations of my case, Citibank preferred to stick with the authorisation issue which has never been raised by me which already shows the banks lack of understanding of how to treat my case. Citibank had a duty to exercise reasonable professionalism, care, pay due to regards to the interest of their customers and follow good industry practices ( GIP ) to keep customers accounts safe. This includes identifying vulnerable consumers who may be particularly susceptible to scams and looking out for payments which might indicate the consumer is at risk of financial harm. Since XX/XX/XXXX, I have been attempting to resolve this matter with Citibank, but they have failed to settle this matter satisfactorily. I have been dealing with Citibank in good faith and am deeply disappointed in how they have handled this matter thus far.
Consumer complaint received 2020-07-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (LA)

i submitteted a complaint but they told me that it was an inquiry instead of a complaint. i now want to submit a complaint. the ten loan servicers i have had over the last 15 years have refused to give me credit for the money i have paid over that time period.I need proof of what iowe. the dates the money was posted to my account. plus i need proof of my payments that was APPLIED to my account because XXXX dollars was posted but never applied. also XXXX was paid through bankruptcy from XX/XX/XXXX to XXXX XX/XX/XXXX i sent them XXXX to cover the rest of the XXXX i owed in arrears. that wasnt applied. i already sent them my proof. Now i want them to send me proof of what i owe because my account history i got from them says i owe XXXX but they say i owe them XXXXCan i please have proof of the XXXX they say i owe? The original loan was for XXXX ... how could this be. I already submitted my proof.
Consumer complaint received 2021-12-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: PNC Bank N.A. (CA)

I opened the PNC checking account by clicking on the application link for Virtual Wallet Performance Select with {$400.00} welcome bonus. However, something messed up in PNC backend system that I ended up opening another type of checking account as Virtual Wallet with only {$100.00} welcome bonus. 

After I met all the requirements for the promotion but suddenly found that PNC gave me a different checking account from what I applied for, so I called customer service to change my account to Virtual Wallet Performance Select which is what I applied for. 
The banker on the call told me that my account has already been updated and the welcome bonus would be issued based on the updated checking account. However, I ended up receiving the bonus of {$100.00} which is still for the wrong checking account PNC issued at the beginning. 

I called PNC banker again but they was not able to do anything. They just gave excuses that the final bonus is based on the original wrong checking account PNC issued, instead of the corrected checking account type I changed later. 

This is such a cheating behavior because it was PNC who messed up the application, issued the wrong checking account type, or messed up in recognizing the application link and resource. 

My PNC Account Number : XXXX ( Virtual Wallet Performance Select ) Please review my welcome bonus requirements for the corrected checking account type ( Virtual Wallet Performance Select ). And issue me the correct welcome bonus amount of {$400.00}.