davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-05
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. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX XXXX XXXX {$350.00} XXXX  XXXX {$1900.00}
Consumer complaint received 2024-03-26
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. (TX)

Experian alleges they verified this bankruptcy but provided no documentation to prove the claim. I initiated a dispute with XXXX and they stated the bankruptcy was incorrect and would be removed so how was Experian able to verify such information. Forward me the documentation used to verify this information.
Consumer complaint received 2023-03-22
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. (TX)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX Acct # XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 

Thanks, XXXX XXXX.
Consumer complaint received 2021-05-23
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. (NC)

On XX/XX/2021, I sent a letter which in regarding inaccurate and unknown things on my credit report, and tot his day thats over 60 days later I still have not received a response yet. I feel like I am being taken advantage of and being completely ignored of my disputes. By law, of Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days, then it gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should have been deleted promptly. I demand that these accounts be deleted immediately or I will definitely file for litigation due to the XXXX that you have caused me. My information was also impacted by the. Equifax data breach and may have got into the hands of a wrong person.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USA 1681. The accounts below have violated mi rights. 15 u.s.e 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse tem of information, other than records of convictions of crimes which antedates the report by more than seven ycars. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaceurate. 
Delete the accounts below : XXXX. XXXX # XXXX
Consumer complaint received 2023-01-18
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)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX  # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Both XXXX  and XXXX  lowered my credit scores by almost 100 points because I paid off my home mortgage in full in 2 lump sums. I have Congratulations letter from XXXX XXXX  congratulating me for paying off my mortgage. I don't understand why both XXXX  and XXXX  list my XXXX XXXX   mortgage account as derogatory and lowered my credit score by almost 100 points. I am currently trying to purchase a new truck and was notified that although I had been pre-approved prior that due to my latest credit score I was no longer qualified!! I am appalled that my credit score was lowered from XXXX to XXXX!!! 
Please help me.
Consumer complaint received 2017-08-07
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: Exeter Finance, LLC. (GA)

I called the company on XXXX XXXX 2017 to inquire about this on my credit report. I was sent a response on XXXX XXXX, 2017 saying they needed more information to proceed with the request.
Consumer complaint received 2019-05-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX - Received two packages from XXXX XXXX. One was a bigger box and contained multiple books. The other was a smaller package and contained only one book. Because I did not order these books, I checked my credit card. I found an unauthorized charge of {$220.00} and then opened a fraud claim with Bank of America. The representative on the phone immediately reversed the charge. I was informed that I did not have to take any further action. - XX/XX/XXXX - Received an official BoA letter informing me of the credit to my account and that if additional information was received to reopen the case, I might be contacted again. 

XX/XX/XXXX - Received an official BoA letter informing me that " no fraud has occurred. '' - XX/XX/XXXX - Called BoA. The representative informed me that the case would be reopened for the fraud department to check. Told me to also contact the merchant, XXXX XXXX, directly with my information in order to better sort out the situation. A representative of XXXX XXXX, XXXX, told me to write up this timeline and include my phone number for contact. - XX/XX/XXXX & XXXX, XXXX - The merchant representative, XXXX, sent a XXXX  truck to pick up the books. They were picked up and sent back. - XX/XX/XXXX - I received email confirmation on the merchant 's side of receiving the books. They claimed to have sent BoA the money, and that now BoA is responsible for giving me my money. - XX/XX/XXXX - Still have not received my money. XXXX XXXX and asked for update. 

XX/XX/XXXX - XXXX said in an email : " Dear XXXX, Your are welcome. This will show up. It can take from XXXX XXXX or more business days for the reversal to be done. There is nothing more we need to do on this matter. '' XX/XX/XXXX - Called a BoA rep. Explained ALL of the above. Was told to send a paper letter detailing all of this, along with SCREENSHOTS OF EMAIL EVIDENCE to BoA. 

XX/XX/XXXX - BoA said they received my letter. Would get back in 30 calendar days. 

XX/XX/XXXX - Received the exact same letter again, although I did not send a new letter. Very confusing, XX/XX/XXXX - Called BoA, was told the case had been closed despite BoA NEVER GETTING BACK TO ME. Rep reopened the case and told me to bring paper evidence to my local BoA branch to be faxed to XXXX. Decided to report this outrageous story to the CFPB. Still have not gotten my money.
Consumer complaint received 2017-09-11
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. (CA)

I was affected by the Equifax breach. I am writing so that there is a formal complaint on record that their handling of consumers ' private information is unacceptably lax. There should be much more oversight of credit reporting bureaus ' attempts to safeguard consumers ' information.
Consumer complaint received 2018-06-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

XXXX XXXX is reporting a charge off on my credit report from an old credit card debt. I requested this company send me proof of the debt and they have yet to respond, I requested proof through the credit bureaus and they updated my profile saying it was my debt without showing me proof that the debt belongs to me.
Consumer complaint received 2017-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (VA)

I disputed a charge on my credit card several weeks ago, I contacted Wells Fargo to find out what the status was as I had not heard anything from them. Wells Fargo informed me that because I stayed the entire duration of the trip and used my credit card they could not dispute the charge. I explained to Wells Fargo that accommodations that we were promised and what was shown on the company 's website were significantly different. My daughter had to receive medical attention from the bug infested room we stayed in. We were out of the country and had already spent over 6000 for a room and could not afford to stay elsewhere. The room we were promised looked nothing like the actual room that we stayed in. The ceiling and bathroom room had mold and other major safety concerns. The room was not the size specified in the picture and the concierge level room was misleading.
Consumer complaint received 2019-05-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

This is a copy of yet another complaint I've had to file against Ocwen Loan Servicing, a criminal enterprise. 

Thank you for using the XXXX XXXX XXXX 's Online Complaint System. 
Your complaint has been assigned case # XXXX. 
Correspondence regarding this complaint will be emailed to : XXXX Please print a copy of this for your records. 

Filed on : XX/XX/2019 Filed by : XXXX XXXX Filed against : Ocwen Loan Servicing, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Complaint Description : Ocwen is trying to charge my account with a late fee. AGAIN! Every month I send my mortgage payment Express Mail with a tracking number because Ocwen consistently holds my payment for several days before it's posted to my account. Ocwen received my XX/XX/XXXX payment on the XXXX and charged my account a late fee on the XXXX. Ocwen received my XX/XX/XXXX payment on the XXXX and charged my account a late fee on the XXXX. I made another complaint to XXXX # XXXX in response Ocwen said that the charge had been removed. That was a lie. My actual mortgage is {$1100.00} every month I pay {$1100.00} a difference of XXXX. My XX/XX/XXXX statement shows " past due fees and other charges '' of {$51.00} with no explanation of the charge. Ocwen charges a late of {$52.00}. If you subtract the {$1.00} I overpaid in XX/XX/XXXX and January from the {$52.00} late charge you get {$51.00}. I never owed a late charge and Ocwen is misappropriating my funds. Any monies I pay over and above my scheduled payment should be credited to the principle not to a bogus late charge. This is criminal. 

Your Desired Resolution : I have made numerous complaints, nothing changes.
Consumer complaint received 2021-09-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Commerce Home Mortgage, Inc (CA)

XXXX XXXX XXXX XXXX # XXXX working with the XXXX XXXX XXXX XXXX in California , listed as a seller multiple counter offer document the following request : " Top Buyers to cross qualify with XXXX XXXX XXXX Mortgage before any offer is accepted per MLS '' XXXX XXXX NMLS # XXXX Ms XXXX XXXX and Mr XXXX both work for the same brokerage as evidenced on the staff page of their company 's website. 

XXXX XXXX XXXXXXXX This is an unethical and potentially illegal conflict of interest to abuse the privilege of a listing agent in manipulating buyers to seek the services of an internally related lender, particularly when qualified buyers would already be pre qualified with the lender of their choosing as this was a counter offer term. 

Additionally, this may represent housing discrimination in that buyers " must qualify '' with the lender of XXXX XXXX XXXX choosing in order to be accepted- a claim that far exceeds the ethical and legal limits of her professional capacity and violating the housing rights of buyers. 

This should result in sanctions against both licensees.
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OR)

I CALLED EQUIFAX ON XXXX. THEY HAVE ALL THE INFORMATION THERE BECAUSE THE WOMEN THERE ASK ME IF THE INFORMATION WAS A SOCIAL SECURITY CARD AND A DRIVERS LICENCE I TOLD HER YES THEN SHE REFRAMED FORM ALL OF WHAT SHE HAD SAID AND TOLD ME THAT SHE CAN NOT GET INFORMATION ABOUT WHO I AM AND TOLD ME TO GET THAT IDENTIFICATION THAT SHE ALREADY HAS AND RESEND IT TO EQUIFAX. SHE IS JUST WASTING TIME FOR EQUIFAX DOES NOT WANT TO CHANGE INFORMATION IN DISPUTES OF WHICH MANY TIMES I HAVE SENT THEM. I TIRED OF THE RUNAROUND. I CAN NOT EVEN ACCESS ONLINE EQUIFAX.
Consumer complaint received 2017-08-07
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: ERC (IL)

XXXX XXXX,2017, XXXX XXXX was removed from my credit report in the amount of {$670.00}. I got a notification on XXXX XXXX saying this account was opened on XXXX XXXX, 2017. By law, this should have not been added with out something in writing.
Consumer complaint received 2020-10-21
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)

XXXX, XXXX SOC SEC  # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed 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  XXXXXXXX XXXX  XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2017-08-07
Product: Mortgage — Other type of mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Onity Group Inc. (CA)

I filed for Chapter XXXX bankruptcy on XXXX/XXXX/2014. Ocwen has been reporting on my supplemental credit I have called over 30 times to get it resolved. I ; ve been given multiple answers to my question. I need help resolving this issue
Consumer complaint received 2020-10-21
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: Experian Information Solutions Inc. (TX)

In the attachment it shows that experian said that this account will be removed XX/XX/XXXX, but they have not upheld their word. This account is older than 7 years, and it should not appear. In addition, they charged off the account in XXXX, then they charged off the account again in XX/XX/XXXX. This does not make any sense and I have tried to resolve this but they do not feel I deserve an explanation.
Consumer complaint received 2023-01-31
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. (SC)

I have a student loan from XXXX and I have never missed a payment. However on XXXX, XXXX and XXXXXXXX XXXX XXXX it shows up on my credit report that I missed a payment for these XXXX months. This is inaccurate and I even just got off the phone from XXXX and was informed in their system that I have never missed a payment. This error on my credit report is hindering me from buying a home.
Consumer complaint received 2020-10-21
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (CO)

My wife and I have been experiencing unforeseen hardships due to the Covid-19 Pandemic. We have 2 credit cards with CitiBank , N.A . who refuse to take our late and missed payments off of our credit bureau. The same company also refuse to work out a fore-bearence plan until we are able to start making regular payments again. Our credit was in the low 700 's before the pandemic started, now it is barely above 500. I have called and spoke with representatives from both companies, citibank for Home Depot consumer credit card and my Home Depot Commercial Revolving account. Both account max balances have also been lowered, so even if I had work, I wouldn't be able to charge materials to my account because all my balances are maxed. Citi bank phone : XXXX XXXX XXXX XXXX, I spoke to XXXX first and then she transferred me to XXXX. Both agents were nice enough but stated that they were not able to report anything other than what the account shows and that I was not available for any more " treatments '' due to the Covid-19. I was told that I had to pay {$1300.00} by XXXX XXXX, 2020, or my account would be forcibly closed and that it would reflect on my credit bureau as well. if you go to this citibank website you can see that there are many people out there with the same problem. https : //blog.citigroup.com/2020/05/working-together-to-fight-hunger-during-covid-19/
Consumer complaint received 2020-05-05
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. (AR)

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX {$130.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX {$220.00} XXXX XXXX {$14000.00}
Consumer complaint received 2023-02-08
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. (CO)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-09-08
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. (TX)

Equifax lost my information in their breach. In response I had to immediately put a freeze on all the credit reporting sites, which cost over {$30.00}, not counting the massive potential for use of my PII in financial or other matters and the time and effort it would take to resolve such issues.