davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX account XXXX ... last four of social security XXXX, D.O.B. XX/XX/XXXX - XXXX XXXX. <P/>On XX/XX/XXXX XXXX reported a balance of {$12000.00} to XXXX. To Experian they reported a balance of {$15000.00} for the month of XX/XX/XXXX. On XX/XX/XXXX I recieved a settlement offer that states the balance as {$16000.00}. To XXXX they reported the account as opened with a balance. To Experian they reported the account as closed with a balance. To XXXX it was reported closed with {$0.00} balance/paid in full. <P/>Also, the payment history was different on all three credit reports and XXXX and Experian allowed, and continue to allow XXXX XXXX to make corrections, that still end up being wrong information, and making my credit score go down every time they change the information/ update it as opposed to deleting the account per fair credit reporting laws. <P/>My credit score went down again in XX/XX/XXXX because XXXX and Experian continue to allow XXXX, XXXX to update, as opposed to DELETE as I have requested. This information on my credit file should have been deleted months ago due to fair credit reporting laws regarding reporting erroneous/inaccurate information regarding balance, account status, and incomplete/inaccurate payment history that has been reporting for almost a year now on my report. No matter what proof I send to the credit reporting agencies regarding XXXX 's erroneous information, the three credit reporting agencies refuse to delete the account and that is not right or fair. <P/>I have disputed, with proof of the mis-information XXXX has been reporting to all three credit bureaus. XXXX now has it as a closed, but per fair reporting it should be deleted from all three credit reporting bureaus. <P/>XXXX, when you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C ).
Consumer complaint received 2017-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX account XXXX ... last four of social security XXXX, D.O.B. XX/XX/XXXX - XXXX XXXX. <P/>On XX/XX/XXXX XXXX reported a balance of {$12000.00} to Transunion. To XXXX they reported a balance of {$15000.00} for the month of XX/XX/XXXX. On XXXX I recieved a settlement offer that states the balance as {$16000.00}. To Transunion they reported the account as opened with a balance. To XXXX they reported the account as closed with a balance. To XXXX it was reported closed with {$0.00} balance/paid in full. <P/>Also, the payment history was different on all three credit reports and TransUnion and XXXX  allowed, and continue to allow XXXX XXXX to make corrections, that still end up being wrong information, and making my credit score go down every time they change the information/ update it as opposed to deleting the account per fair credit reporting laws. <P/>My credit score went down again in XX/XX/XXXX because TransUnion and XXXX continue to allow XXXX, XXXX to update, as opposed to DELETE as I have requested. This information on my credit file should have been deleted months ago due to fair credit reporting laws regarding reporting erroneous/inaccurate information regarding balance, account status, and incomplete/inaccurate payment history that has been reporting for almost a year now on my report. No matter what proof I send to the credit reporting agencies regarding XXXX 's erroneous information, the three credit reporting agencies refuse to delete the account and that is not right or fair. <P/>I have disputed, with proof of the mis-information XXXX has been reporting to all three credit bureaus. XXXX now has it as a closed, but per fair reporting it should be deleted from all three credit reporting bureaus. <P/>XXXX, when you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C ).
Consumer complaint received 2022-03-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (WV)

During 2020 due to XXXX I lost much of my income from my small business. I applied to get unemployment but was turned down. I contacted my mortgage company - XXXX XXXX XXXX  to let them know I was having financial hardship and they said I was not eligible for refinancing or a loan modification. I asked why and they told me that that is what came back in their system. I have never gotten a straight or real answer from them. I offered to pay in a couple lump sums as I earned the money but they said it was all or none. I contacted the organization in WV to get guidance on what my alternative were and I never heard back ( I left my name and number 4 times over a two week period ). I have never received a notice from my mortgage company but I have had two realtors come to my door telling me that my mortgage is in foreclosure and did I want to sell. I would rather work this out and pay back the amount over a period of time if possible. I just feel I'm out here alone with no assistance, no resources and no where to turn. I feel that XXXX XXXX XXXX is a predatory company who do not share the resources available to home owners in need.
Consumer complaint received 2017-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

Complainant : - XXXX XXXX XXXX SSN : XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX Equifax CRA, is reporting incorrect information on my credit file. Additionally, Equifax has advised that they will not investigate the issues I am disputing, and have gone ahead and turned my online ability to dispute any incorrect information. Further, they are not also refusing to accept any documents I forward to them via fax, mail of electronically to support my dispute.
<P/>
Equifax continues to list an incorrect former name on my profile. My name is XXXX XXXX XXXX, with NO generational tags to it. Equifax is showing an incorrect name on my profile. Again please see attached drivers license and ssn card showing my correct name.
<P/>
Equifax is listing a FORMER SSN as being associated with me. I only have one SSN number and do not understand how my profile would have more than one SSN. I have contacted all current and former creditors and they have all verified that they did not provide this incorrect information to Equifax. I have demanded that Equifax either remove this inaccurate information or provide the name of the creditor providing this inaccurate data. They have advised that they do not know who is providing this inaccurate data but will still report it.
<P/>
I have retained the services of an attorney, XXXX XXXX, and submitted a power of attorney to Equifax, to allow them to discuss my account with him directly. XXXX XXXX attempted to contact Equifax on my behalf but they declined to discuss any matters on my account with him.
Consumer complaint received 2022-03-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Regent and Associates (CA)

I keep getting debt collection emails for a person I do not know and they keep sending it to me despite me telling them I am not that person. There is no confusion to be had, I have a different name. They even sent me a legal document meant for someone else with sensitive information in it.
Consumer complaint received 2017-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: WELLS FARGO & COMPANY (CA)

Why was this loan removed from my Credit Report? I contacted the credit bureaus and they said that they did n't have any information on this and that it came from  Wells Fargo to be removed and that I should contact Wells Fargo. Th is was a positive tradeline and I want it re-reported to the  XXXX  bureaus. ACCT  XXXX  Communicate by mail only or via the cfpb.   No phone calls.
Consumer complaint received 2017-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (TX)

I called the credit bureaus and spoke to the representative. I informed her of wrong alias and addresses on my credit report. This is not my legal name as reported. The rep stated, they had been removed and I will receive an updated copy of my credit. My updated report is still showing the incorrect alias and addresses.
Consumer complaint received 2018-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (OK)

I changed homeowners insurance in XX/XX/XXXX/XX/XX/XXXX. The old insurance company, XXXX had already paid the annual premium and when I notified them I changed to XXXX homeowners they sent me a refund, I contacted PNC Mortgage XXXX and they instructed me to co-sign the back of the check and sent it to them. I did as instructed and sent them the check. In XXXX XXXX I get a letter from PNC mortgage company and they were instructing me to contact XXXX and have them refund the annual premium they paid and to return it to PNC. I have already done this and tried to explain it to a representative from PNC and they told me they had no way to trace the transaction and I would be charged the Approximately {$3200.00} dollars to my Escrow account. This make the XX/XX/XXXX appear to have very poor control and process in place to properly handle homeowners mortgages. I request intervention on the part of CFPB to resolve this challenge.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AR)

I was in a car accident and the vehicle from XXXX was deemed as a total loss. After I surrendered the vehicle to XXXX XXXX I did not receive any information regarding once the vehicle was resold, what was the remaining balance. I also attempted to send in a certificated security to take care of the remaining balance. Stated in their XXXX reports, they use our contracts/applications and sell them as asset-back securities. I have attempted to discharge the debt after my hardship and have not received my security back nor have I been contacted with up to date information on the vehicle. 

The XXXX XXXX XXXX XXXX XXXX now owns all debt belonging to XXXX XXXX. Per XXXX XXXX, any information and property belonging to XXXX XXXX, is liened is at {>= $1,000,000}, XXXX XXXX dollars. ( First in line, first in time ) I also rescind my contract from all security interest in said contract. 
15 USC 6802-6805 Obligations with respect to disclosures of personal information 16 CFR 313.7 Form of opt out to consumers 15 USC 1681 Congressional findings and statement of purpose 16 CFR 433.1 Definitions ( Debt collection practices ) 17 CFR 230.424 Filing of Prospectuses, number of copies 15 USC 1681 ( b ) Permissible purposes of consumer reports 5 USC 522 ( a ) Records maintained on individuals
Consumer complaint received 2022-09-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

As a charity organization we send funds to help services offering education and medical care for the poor in poor XXXX XXXX. When we tried to send a wire transfer of {$10000.00} on XX/XX/XXXX to the XXXX XXXX XXXX account in XXXX for the XXXX  under this service, the associate at bank of America, indicated that the account has to be in a person 's name even when the account was in the name of the XXXX XXXX We assumed that the bank associate is correct, and we sent the wire in the name of the director of the XXXX XXXXXXXX XXXX instead of the XXXX XXXX name. We also assumed that as long as the account number and XXXX XXXX XXXX are correct then the wire should get to their account in XXXX XXXX XXXX XXXX XXXX XXXX However, when the wire was sent the bank in XXXX returned the wire back due to incompatible name on XX/XX/XXXX to an intermediary bank which is XXXX XXXX  in the US. We have been constantly calling the wire dept for Bank of America almost every week for the past 4 months and visiting the bank branch to try to return the fund bank to our account with bank of America with no success. We have also made multiple visits to both bank of America and XXXX bank to try to retrieve the money back to XXXX XXXX XXXX account in the US but always told that we sent messages to XXXX bank and have to wait for them to respond. When I tried to contact XXXX wire department they told us they can not speak to us because we have no account with them. We were told to go back to bank of America and ask them to talk to them. When we went back to bank of America, they said that XXXX bank got their messages but the money has not come back till now to our account. This has been the most frustrating and exhausting experience to our organization since we started almost XXXX XXXX XXXX. I repeatedly explained to bank of America that this is much needed fund for almost XXXX XXXX XXXX XXXX XXXX XXXX under the care of the XXXX XXXX XXXX but all our words have gone avail. I, here, plea to the CFPB to help us resolve this issue and get us the fund back to XXXX XXXX XXXX XXXX account since the recall of the wire was based on Bank of America associate mis-information.
Consumer complaint received 2022-02-14
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. (MI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with information listed updated without incident. You however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, what day and time you talked to this person? All this information is need for a case I'm building against all parties who are damaging my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-11
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. (PA)

Hi, my XXXX XXXX XXXX. I am Reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent changes are showing negative results on my credit report. I reported the theft of my identity to the identity theft affidavit. Please remove these items as soon as possible.
Consumer complaint received 2020-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Social Finance, Inc. (TN)

On XX/XX/XXXX, money exited my checking account without my authorization or consent. The bank indicated said they made a mistake and sent money out of my account in error. They have done nothing to fix it on their side and I have not received any confirmation that they will do anything to fix it.
Consumer complaint received 2018-01-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SUNTRUST BANKS, INC. (GA)

Ive had a bank account with Suntrust bank for some time now, and just recently I started receiving mail saying that my account had been closed due to some fraud activitys that I know absolutely nothing about. This was my only bank account and Im confused ... Ive never opened up another bank a account or did anything fraud in my life. I wish to resolve this as soon as possible, thank you. I can and will send over all of the necessary documents proving that I was a victim of identity theft. 
XXXX XXXX
Consumer complaint received 2017-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

I started seeing collection accounts on my credit about 3 years ago from  XXXX   XXXX . I kept calling asking who they were and demanding they remove themselves from my reports. They refused and then sold the debt to a collection company. I 've seen them on my credit and tried to dispute with them but they refuse to provide a mailing address. I have a police report detailing the identity theft I 've suffered since   XXXX   and have had other fraudulent accounts closed.
Consumer complaint received 2017-07-13
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. (AL)

THIS IS MY 3RD RE-INVESTIGATION AND I WILL DISPUTE EVERY WEEK IF NEEDED. OR HIRE A ATTORNEY. LETS MAKE SURE WE ARE ALL ON THE SAME PAGE. SOMEONE OPEN UP A FRAUDULENT BANPKRUTCY UNDER MY SS # IN XXXX XXXX NEVADA. A PLACE I NEVER LIVED NOR VISIT. IF YOU CONTACTED THE COMPANIES THEY GAVE ME 2 ADDRESS FOR XXXX XXXX THE ADDRESS WAS XXXX XXXX XXXX XXXX XXXX NEVADA XXXX XXXX XXXX XXXX ADDRESS WAS XXXX XXXX XXXX XXXX XXXX XXXX NEVADA. NOW IF THESES ACCOUNTS WERE PROPERLY VERIFIED THEY WOULD HAVE SEEN THAT THESE ACCOUNTS WERE OPEN IN XXXX XXXX NEVADA AGAIN WHERE I NEVER LIVED. THEN THE PERSON INCUDED THESE ACCOUNTS IN A CHAPTER XXXX BANKRUPTCY WHICH WAS REMOVED AS WELL AS A CAR AUTO LOAN THAT WAS OPEN UP IN XXXX XXXX NEVADA. HOW CAN YOU REMOVE SOE OF THE ACCOUNTS THAT WAS FRAUDULENT OPEN AND INCLUDED IN A BK BUT NOT ALL!!!!!!!!!!!!!!!!! PLEASE RE INVESTIGATE AND REMOVE THESES ACCOUNTS FROM MY CREDIT FILE. I HAVE FAXED AND MAILED OVER ALABAMA STATE ISSUED DRIVERS LICENSE AND STATE TAX RETURNS FROM THE MENTIONED OPEN DATES THAT THESE ACCOUNTS  WERE OPEN AND THEY STILL HAVENT BEEN REMOVED!!!!!!!!
Consumer complaint received 2017-07-13
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Medical Data Systems, Inc. (NC)

Medical Revenue Services  has been calling me on my personal number and at my work number several times a day. This is for a medical bill to  XXXX   XXXX   XXXX  for {$1200.00} that I am paying directly to the original creditor, I 'm making a monthly payment on a couple different bills and this is  one  of the ones lumped in to the payment.  <P/><P/>  MRS was  rude, after I asked them to not call me at work because my employer does n't allow it. She got mean and nasty and started yelling at me. Told me they would take me to court. These people are ridiculous. Would n't give me any information, pushed that I pay them in full immediately. When I told her I was paying the original creditor, she said I was lying and they would n't have sent the debt to them if it was n't valid. When I told her that I was n't going to pay her she said fine, we have been reporting on your credit report, and will continue to do so and hung up.
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (RI)

After calling Equifax and copying my license and personal information they said it was not enough to prove my identity then they sent me a letter with information to copy and mail back to them. After doing this again, they sent a second letter stating they still did not have enough information and asked me for the same records a third time. All I want is for them to unfreeze my credit and/or let me log back in to do this myself. They wont give me an appropriate link to change my password. They are asking again for a copy of my drivers license and utility bill which I dont have because I dont pay any bills