davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-10
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: Experian Information Solutions Inc. (MI)

I have repeatedly contacted XXXX, XXXX, and Experian for inaccurate reporting and calculation of my FICO score, but they refuse to correct it. 
They have multiple companies " alleging '' I requested credit, and their reports do not reflect my multiple car loans, all paid 100 % timely, in full and paid off, mortgages and student loans all paid timely, in full, and paid off in full timely!
Consumer complaint received 2017-11-10
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. (MI)

I have repeatedly contacted Transunion, XXXX, and XXXX for inaccurate reporting and calculation of my FICO score, but they refuse to correct it. 
They have multiple companies " alleging '' I requested credit, and their reports do not reflect my multiple car loans, all paid 100 % timely, in full and paid off, mortgages and student loans all paid timely, in full, and paid off in full timely!
Consumer complaint received 2017-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

I have repeatedly contacted XXXX, Equifax, and XXXX for inaccurate reporting and calculation of my FICO score, but they refuse to correct it. 
They have multiple companies " alleging '' I requested credit, and their reports do not reflect my multiple car loans, all paid 100 % timely, in full and paid off, mortgages and student loans all paid timely, in full, and paid off in full timely!
Consumer complaint received 2022-09-08
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. (NY)

In XX/XX/XXXX, I applied for a loan and I was denied because there is a repossession on my credit report I tried calling XXXX XXXX XXXX XXXX and they keep disconnecting the call when I am asking questions. I did find that the account is for a XXXX XXXX XXXX and the pay off amount is {$10000.00}. This information was supposed to be removed off of my account in " XXXX ''. This is old information that keeps reappearing on my credit report. I need the system to be updated with this information removed. I was told to send a CBR report to have information removed Sent that letter back and the information is still reporting on my credit report I have called XXXX XXXX XXXX XXXX numerous times and have received no help with this matter
Consumer complaint received 2017-11-13
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (AZ)

On XXXX XXXX XXXX, I called Wells Fargo and asked about six ( 6 ) CD that my mother had put into the bank they purchased XXXX XXXX XXXX XXXX They told me that they had send all unclaimed funds to the State of AZ. I called the state and they said they had no recorded of receiving the CD and to call the lost funds or unclaimed documents of Wells Fargo. 
On XXXX XXXX XXXX I sent an email with the POA and copies of the CD as well as a COD of my mothers mother asking them to find the funds and release them or to give me the amount, date, they sent the funds to the state of AZ. Then I followed up with another call and spoke with yet another person who stated they did not have any recorded of my sending an email so I resent the email on XXXX XXXX and not only did I receive a email response but I got a call that they had received my email and had forwarded it to research /legal. was to give them five business days to find the information. XXXX XXXX XXXX, XXXX, I called as another attempt to follow up and they said they had no record of the first two emails and could I send it again. I will attach all documents I send so they will be attached to this complaint. Again they are giving me the run around and I believe they are trying to keep my mother funds.
Consumer complaint received 2024-01-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute a fraudulent account on my credit report. The account in question, listed with XXXX XXXX XXXXXXXX is not authorized by me and appears to be a result of identity theft. I trust you will conduct a thorough review and provide written notification of the investigation results, including any corrective actions taken.
Consumer complaint received 2020-10-20
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: CITIBANK, N.A. (NJ)

XXXX is reporting I am late on a XXXX XXXX auto loan charged off account how can I be late 90 days 17 times on a charged off account? There also reporting account XXXX XXXX/XXXX XXXX XXXX  that is wrong on a payment history Ive never made a payment to them this must be deleted there also reporting a XXXX XXXX XXXX account which is fraudulent I demand to see a signed contract or proof that this is my account giving them the right to report this! Also XXXX XXXX is showing Im late 90 days 20 times how can this be if this account is charged off? Citicards cbna is reporting Im 90 days late 2 times how can this be if the account is charged off and the payment history is wrong Ive never made a payment on this account also citicard cbna is reporting Im 90 days late 4 times how can this be when the account is charged off Ive also never made a payment on this account also XXXX XXXX XXXX XXXX   is reporting Im late 90 days 6 times how can this be when the account is charged off and Ive never made a payment on this account also the address on file is wrong and no account is associated with my current address please show me Proof of documents when this was disputed under confirmation number XXXX conformation number from XX/XX/XXXX XXXX please show me documents used to verify these accounts also there are 6 fraudulent inquires on my file that must be deleted there fraudulent inquiries please show me proof I was trying to obtain credit how did you verify these inquires were mine I am going to sue if these arent deleted as I have proof you guys didnt do a proper investigation enclosed is a police Report and drivers licenses and social security card with police report
Consumer complaint received 2017-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Receivables Performance Management, LLC (GA)

In XXXX XXXX, I contacted XXXX XXXX XXXX XXXX concerning a new bill I received, even though I no longer had an account with the company. 

I had transferred my account to my now ex-wife and she was legally responsible for the account as part of a divorce proceeding. She was the only person that actually had telephone service through XXXX XXXX XXXX. 

I was advised that when the transfer was accomplished, there were two telephone numbers transferred to her, but she refused one of the numbers. XXXX XXXX XXXX representatives advised me that I was responsible for paying for the number that remained. 

Prior to this transfer, the number in question was simply a " placeholder '' number with no device, calling plan, nor data plan. The fee to keep the number assigned to the account was XXXX per month. However, after this transfer, XXXX XXXX XXXX began charging me XXXX per month for the same number, without notifying me of any change. I had no means to access any service on this line whatsoever. 

I disagreed that I owed more than XXXX for something I could not actually use in anyway. XXXX XXXX XXXX elevated that call to a supervisor, who completed a protest for forwarding up the approval chain. I never heard anything else from XXXX XXXX XXXX. 

In approximately XXXX XXXX, I noticed a new collection account on my credit report. XXXX XXXX XXXX had turned this account over for collection and this is hurting my credit score.
Consumer complaint received 2017-11-10
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Merchants' Credit Guide Company (CA)

Merchant Credit Guide XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX I 've received calls from this company as early as XXXX AM. I can provide phone records from XXXX.
Consumer complaint received 2024-02-17
Product: Credit reporting 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. (TN)

Dispute of Unauthorized Inquiry on My Credit Report Dear Transunion I am writing to dispute an unauthorized inquiry that appears on my credit report. The inquiry in question is as follows 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 Please note that I have not engaged in any recent credit applications or transactions with the aforementioned company, nor have I granted them permission to access my credit information. 
I request that you promptly investigate this matter and remove the unauthorized inquiry from my credit report in accordance with the Fair Credit Reporting Act. Additionally, please provide me with a written explanation of the results of your investigation. 
I understand that you are required to complete your investigation within 30 days. PLEASE REMOVE HIS INQURIES IMMIDIATELY. I AM ALSO GOING TO REACH OUT TO THE ATTRONEY GENERAL OFFICE. PLEASE ADHERE TO CONSUMER LAW OR I WILL HAVE TO SUE YOU. 

XXXX XXXX
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

Mortgage paid in full on XX/XX/XXXX. 
May mortgage payment was 30-day late. 

XXXX XXXX / XXXX reported XX/XX/XXXX and XX/XX/XXXX payments as 30-days late to the credit bureaus. 

In XXXX of XXXX, started dispute process for the XX/XX/XXXX ( inaccurate ) 30-day late payment on credit report. 

During new mortgage / home buying process, 2 additional 30-day late payments showed up on this CLOSED account. XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX has not made attempts to quickly resolve this inaccuracies- the new ones or the XX/XX/XXXX. A bad situation suddenly was way worse. Now, closing has been pushed back and we are at risk to lose this house we contracted to buy because XXXX XXXX has made it impossible to get these items fixed. We tried to get them to write a letter stating all of the inaccuracies, but they have struggled to craft something straight forward and effective for the new mortgage people.
Consumer complaint received 2021-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (ME)

I have been dealing with identity theft issues for over the past year and had a credit card company removed from my credit report cause of it. Then XXXX of 2020 it comes back on my report with a different company trying to collect the debt. I have tried multiple times to dispute this with them on identity theft but they continue to harass me with bills in the mail to my home and denied my dispute. Now they are attempting to take me to court over this. What can I do?
Consumer complaint received 2017-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE (FL)

I submitted Jet Blue Barclay Mastercard credit application inflight on Jet BlueXX/XX/XXXX I submitted in error, boyfriend wanted one opened in business name, I submitted in my personal name. I called Barclay Credit DepartmentXX/XX/XXXX, XXXX to try and cancel application and they said there was nothing they could do according to supervisor?XX/XX/XXXX! I ask to speak with supervisor and they refused and said there was no one else I could speak with. Gave me PO Box of Barclay. This would not assist me in preventing my application from being processed, therefore requiring me to close account going against my credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I SENT A WRITTEN LETTER TO THE THREE REPORTING COMPANIES TO ACCURATELY MAINTENING MY CURRENT ADDRESS AFTER I EXPERIENCED IDENTITY THEFT SITUATION USING MY PREVIOUS ( 2 ) ADDRESSES. HOWEVER, ONLY XXXX DID AS REQUESTED. 
ATTACHED IS A COPY OF MY MYSCOREXXXX XXXX
Consumer complaint received 2021-08-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (VA)

On XX/XX/XXXX, I checked my account with Rocket Mortgage ( RM ). I noticed that there was a change in my payment of {$91.00} for my next payment. I did not receive any correspondence either through the mail or email. I called RM for some clarity and left my name and number asking to speak to someone about the change. On XX/XX/XXXX, I went to the website and made an inquiry. I followed up with an email on XXXX and XX/XX/XXXX. Today I received an email telling me that an escrow analysis was complete and that they would send it today. I received a notice that the analysis was completed and the website was back dated to XX/XX/XXXX. The terms of my mortgage stated that should the escrow account be deficient, the Lender would notify the Borrower and actions should be taken to restore the account to an acceptable level. The Borrower did not follow the process and change the amount against the conditions of the mortgage. This is the 8th month.
Consumer complaint received 2024-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft and have been disputing this account for over 3 years with zero progress to resolution. I have provided many identity theft reports and disputes and they keep reporting this debt as mine. I am filing this complaint as my last attempt to resolve this fraudulent account and after this I will be filing lawsuit.
Consumer complaint received 2020-10-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Angel Oak Home Loans LLC (TX)

Applying to refinance through Angel Oak Home Loans out of XXXX. I gave all of my info required for the loan. 

I have great credit, income, job history etc. In addition, the refi is for way less than the home is worth. The loan was so basic that a survey and appraisal was not even needed. Even though it has been over two months, all was progressing all be it slowly. I was given two fake closing dates and no details of where etc. One was even on a federal holiday.

All was at least proceeding until I pointed out inappropriate charge in the closing document. I was being charged {$450.00} for the survey  that I actually supplied to them. That was on XX/XX/29. After that, they stopped communicating. I have called/emailed and even tried reaching out to a manager and no one will respond. At this point, they have all my private information, committed to a locked interest rate and have  run my credit etc. I am not sure if there is not some fraud going on here and/or identity theft. 

I provided anything that was asked of me nearly immediately with the exception of the survey and that was 24 hours.
Consumer complaint received 2017-11-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (MA)

XXXX XXXX amount was for XXXX. XXXX XXXX took me to court ( XXXX District Court ) and the judge dismissed the case that I pay nothing. This account does not belong to me. 
I had disputed the account XXXX XXXX from my credit report and they refuse to remove it, even with my document from court that show account dismissed and I pay nothing.
Consumer complaint received 2017-12-28
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: Experian Information Solutions Inc. (TX)

I previously filed a complaint on XXXX against Experian for fraudulent accounts that were not mine. I requested for fraudulent accounts to be blocked from my credit. They responded on XXXX/XXXX/XXXX stating that accounts and inquiries have been blocked as requested. I received an updated report showing they were deleted but then the next day XXXX/XXXX/XXXX when I checked my reports creditchecktotal.com the fraudulent accounts were readded without notice. I called Experian XXXX and was told they had proof the accounts were valid. I requested proof and still to this day have n't received anything showing that the fraudulent accounts and inquiries belong to me. I would like to file a claim for damages as a result of the pain and suffering that I have been under due to my personal credit report having fraudulent information being reported. I have attached my police report, request to block and the proof of accounts and inquries deleted to soon be readded without proper notification and proof of claim. The Fair Credit Reporting Act requires that the credit bureau inform you BEFORE they re-report a previously deleted listing.
Consumer complaint received 2024-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-05-16
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Resurgent Capital Services L.P. (MI)

I contacted LVNV about an old debt that I was tricked into paying after statute which is being paid as agreed. While I was talking to her, she found another old credit card debt from 20 years ago which was paid to a different creditor, but is back on their books with outrageous interest. The statute of limitations is 6 years in our state. They sent me a letter demanding a response within 30 days or they will take legal action against me for a 20 year old debt that was already paid to a different creditor. They are basically bullies taking people 's lunch money. I do not know whether to reply or not. The last time I replied to LVNV about a 15 year old debt out of statute, they sued me and I am still paying it. The amount is easily XXXX the original amount owed to the credit card. Our local judge just pushed these through and takes the money for the local court. Please help us. 
Thank you for your time.
Consumer complaint received 2022-02-14
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. (AR)

Hey I was taken advantage of due to mal-practice while several laws were broken under the FCRA regulation by your company. This has caused me financial injury, defamation of my character, I cant get a job, a car, let alone apply for credit. I cant even get a SBA loan due to the crisis of covid. You have hurt my ability to obtain credit.
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (VA)

Today, I attempt to create a temporary unfreeze and instead the automated service created a freeze that I now can not lift without a newly issued and arriving by mail pin or submitting documentation by mail. So I can not apply for the loan I need now.
Consumer complaint received 2022-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (NC)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2017-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (CA)

I requested my electricity bill be paid by my banks bill pay program in the amount of XXXX. XXXX XXXX  XXXX did not receive that check on time causing my power to be shut off. I requested a cancellation of this check but I was informed that the process can not be stop. XXXX has deposited this check twice causing XXXX separate over drafts on my account.
Consumer complaint received 2017-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (NJ)

I had recently sent a letter to cfpb showing that navient who took over my account from XXXX XXXX has been reporting incorrect information over the years in regards to my account. I had requested forbearance/deferment on my account over the years due to certain hardships, however during this time navient reported to the credit bureaus that my account was delinquent. I also sent a statement to both navient, the credit bureaus and cfpb to show the dates that were being reported and that during the time my account was in deferment/forbearance. I have not gotten any results from any of these agencies and my credit report still reflects negative information which is hurting my good standing.it is hindering me from purchasing a home and everything I do get ( credit cards etc ) all have high interest rates because of these negative remarks.also the interest being charged is bogus I took out a loan for XXXX dollars with XXXX XXXX and have been making payments over the years ( sometimes more than the minimum ) and currently owe XXXX.