davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-22
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. (VA)

XXXX XXXX was the original account holder for a fraudulent account that was opened in my name. The account was turned over to XXXX XXXX for collection. I have an account with XXXX XXXX listed on my Equifax and XXXX Credit Reports in the amount of {$1300.00}. Both credit bureaus have refused to remove the account from my credit reports. I have disputed these items and will continue to dispute this item until they are removed from my credit reports. 

I contacted both credit bureaus on XX/XX/XXXX and disputed these items yet again and while both credit bureaus have complied with filing the dispute they informed me that they have verified that this is my account and the information is accurate. 

I contacted XXXX XXXX on XX/XX/XXXX and they referred me to XXXX XXXXXXXX XXXX XXXX  as it pertains to this account. I did contact XXXX XXXX XXXX XXXX on XX/XX/XXXX by phone and they were closed. I also sent them an email as well on XX/XX/XXXX. 

I received a letter from XXXX XXXX  Fraud Dept. dated XX/XX/XXXX that the company verified that this is not my account and that this account was indeed a fraudulent account that was opened in my name. 

I do not understand how I can have a valid letter from the company and yet this item still remains on my credit reports even though the company has verified that the account does not belong to me and was a fraudulent account. XXXX XXXX informed that they sent electronic letters to both Equifax and XXXX  telling them to remove this item from my credit reports ASAP and yet it remains. 

XX/XX/XXXX will be two months and according to the letter I received from XXXX XXXX it can take up to 30 days or 4-6 weeks. Well as of XX/XX/XXXX it will be 4-6 weeks and this item has not been removed from my credit  reports as of yet. The letter sent to me by XXXX XXXX was dated XX/XX/XXXX. 

Also on my Equifax and XXXX Credit Reports they have accounts listed as closed/removed with a {$0.00} balance that is counting against me making my score go down and not up. When items have been verified that they do not belong to an individual and removed from your credit reports your scores goes up not down. Both reports are reporting the same information twice one with the amount and one with a {$0.00} balance so I am confused which one is it? 

Equifax has been the absolute worse of all and they told me that as a consumer I can not dispute any information on my credit report and that they can not delete or remove anything from my Equifax credit report only the company can. Equifax has been giving me the wrong information and every time I call in their is always a problem or I get a person who is a foreigner and does not speak English or their systems are always down. It is never ending and I am sick of it.
Consumer complaint received 2021-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

i sent a FTC report and they just deleted the account on XXXX and XXXX is still showing in XXXX this is the XXXX XXXX XXXX. 
The another account is XXXX of XXXX i have the same issue they just deleted the account is XXXX and XXXX and still showing in XXXX. 
The another account is Cap One they deleted the account on XXXX and still showing in XXXX and XXXX. 
The another account is XXXX XXXX XXXX still showing in XXXX and XXXX.
Consumer complaint received 2021-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Creditor's Collection Service, Inc. (NC)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2020-07-18
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Clark County Collection Service (TX)

This account is a loan from XXXX of XXXX. I guess I never made a payment, and then it went to collections with Clark County Collections in XX/XX/XXXX. I have disputed this multiple times with the credit agencies, but the information keeps coming back accurate. They claim the first date of delinquency is XX/XX/XXXX, but it is actually XXXX or XX/XX/XXXX. Making this debt too old to be on my credit report. I have the documentation they gave me, and they also spoke to me on a recorded line stating I never made a payment.
Consumer complaint received 2018-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (VA)

Synchrony Bank was the original account holder for a fraudulent account that was opened in my name. The account was turned over to XXXX XXXX for collection. I have an account with XXXX XXXX listed on my XXXX and XXXX  Credit Reports in the amount of {$1300.00}. Both credit bureaus have refused to remove the account from my credit reports. I have disputed this item and will continue to dispute this item until it is removed from my credit reports. 

I contacted both credit bureaus on XX/XX/XXXX and disputed this item yet again and while both credit bureaus have complied with filing the dispute they informed me that they have verified that this is my account. I contacted XXXX XXXX on XX/XX/XXXX and they referred me to XXXX XXXX XXXX XXXX as it pertains to this account. I did contact XXXX XXXX XXXX XXXX on XX/XX/XXXX by phone and they were closed. I also sent them an email as well on XX/XX/XXXX. 

I received a letter from Synchrony Bank Fraud Dept. dated XX/XX/XXXX that the company verified that this is not my account and that this account was indeed a fraudulent account that was opened in my name. 
I do not understand how I can have a valid letter from the company and yet this item still remains on my credit reports even though the company has verified that the account does not belong to me and was a fraudulent account. Synchrony Bank informed that they sent electronic letters to both XXXX and XXXX  telling them to remove this item from my credit reports ASAP and yet it remains. 

XX/XX/XXXX will be two months and according to the letter I received from Synchrony Bank it can take up to 30 days or 4-6 weeks. Well as of XX/XX/XXXX it will be 4-6 weeks and this item has not been removed from my credit reports as of yet. The letter sent to me by Synchrony Bank was dated XX/XX/XXXX.
Consumer complaint received 2022-09-12
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. (NY)

I reached out to all three credit bureaus on XX/XX/2022 and again on XX/XX/2022 to investigate errors on my credit report. These errors include the reporting of a bankruptcy XXXX  XXXX. They failed to respond as well as remove this inaccurate information as stated under 15 U.S.C. Sec.1681i ( a ).
Consumer complaint received 2018-06-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

My husband and I were looking at renting a house around XX/XX/2018. We contacted the person on the ad, filled out a renters application, and lease, and he asked us to send the money via wire transfer since we both banked at Wells Fargo..

We went to our local branch, talked to the teller and he handled the transaction. We never left the bank, never touched the money, have the receipt, and all the other person 's information. A couple days later, the " landlord '' of the new property asked us for an HOA fee, and that's what made us step back and start making phone calls to verify things.

Come to find out, there was no HOA for the neighborhood the house was in, and no one had any information on or about the person we were talking to. After discovering that info, we called the bank, filed the claim with them, went to our branch to talk with the branch manager, filed police report, and every other thing the bank had asked us to do. The branch manager said that since we did everything that was asked, and gave her a copy of all the info we had about the situation and person committing the crime, that she would put a note in our account to allow us to have our money back. 

That was a month ago, and now all we are getting from Wells Fargo customer service reps, investigators, and supervisors is " It sucks to be you, and we refuse to help in any way. '' Our bank who we have been with for almost 5 years is doing nothing to help us, acts like we do not matter, and the suporvisor 's are extremely rude when we talk with them over the phone. We are still fighting with with the bank to get back the {$1000.00} we were taken for, and our wonderful bank is treating us like we are the criminals.
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.
Consumer complaint received 2018-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

Requested PMI removal form from Mortgage company on XX/XX/XXXX. They said they would send me the form to drop PMI, it has been 3 weeks, multiple contacts and I still have not received the form in the mail. 

They refuse to EMAIL me this blank template while constantly telling me they " Mailed it '' yet can not show proof. It is not in my mailbox still after 3 weeks.
Consumer complaint received 2021-04-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

I was contacted multiple times by the company regarding a debt. I told the company that the debt is not mine. I was told basically that it is mine and I need to pay now. Caller was matter or fact. Pay or else. I was not told that I can dispute within a specific timeframe or any information except to pay or else.
Consumer complaint received 2021-03-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my Both PayPal Accounts is : 1 ) XXXX 2 ) XXXX XXXX
Consumer complaint received 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (AZ)

Equifax is a ridiculous company. They wouldn't let me have my own credit report. I tried everything- calling, online, sent them copies of SS and DL. They are simply hijackers with our own information. How this is legal?
Consumer complaint received 2020-07-18
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: Experian Information Solutions Inc. (AR)

ON XX/XX/2020 WE TRIED TO BUY CAR AND WAS DENIED BECAUSE OF NOT BEING IN STATE OF OK. AND XXXX  FALED TO FURNISH SCORE AGAIN.
Consumer complaint received 2020-07-18
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. (AR)

ON XX/XX/2020 WE TRIED TO BUY CAR AND WAS DENIED BECAUSE OF NOT BEING IN STATE OF OK. AND XXXX  FALED TO FURNISH SCORE AGAIN.
Consumer complaint received 2018-06-22
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)

I want to first and foremost thank Transunion for processing my dispute recently but I am concerned that the investigation was not completed properly. I disputed with them through the United States Post Office and I sent a certified letter to make sure they receive the documents because it contained all of my personal information. I will link that letter and the receipts here for your convenience and proof. 

Unfortunately I can not tell if the finished processing my dispute because the 1 old account which has had no activity on it for more than 7 years is still on my file and affecting me. the account is labeled XXXX ( XXXX XXXX XXXX XXXX ).  This account should be deleted like the other one which they were so kind to remove. I would like to have it deleted for premium accuracy please. I have no lates on this account and I am concerned here as well why it shows up on my XXXX monitoring as a late account in my summary section ( which I have linked to this complaint. I am coming here to hopefully expedite this situation because I am attempting to purchase a new home and this inaccuracy and old account is not letting me make that purchase through the bank. 
My con cern is that it has no lates or delinquencies and yet it is saying on my credit report with Transunion that I have a LATE account, which I do not so somehow this account is not registering accurately on my general profile with creditors and this is tremendously damaging for me.
Consumer complaint received 2018-06-22
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. (NC)

I have requested verification of a loan reflected on my credit report by XXXX. The dispute results come back verified, but the letter sent from XXXX states " We have received the material requesting to validate your debt. Unfortunately, XXXX XXXX XXXX does not service the education loan you referenced in your dispute. Therefore, we are unable to assist with this request. Please contact your current education loan servicer, XXXX, with the information provided ''. 

If they are unable to provide verification to me, how are they still able to report the account to the consumer reporting agency under the name and account number listed on the report and not provide verification. I have contacted XXXX and they advised me to contact XXXX
Consumer complaint received 2021-04-23
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. (NY)

I called TransUnion during these dates, And they completely ignored me. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I also mailed them letters on the following dates and with the reference number XX/XX/XXXX - TransUnion Certified Tracking Number : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - TransUnion Certified Tracking Number : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion Certified Tracking Number : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-22
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: CITIBANK, N.A. (WA)

Citi credit card was closed in XX/XX/XXXX. A credit for XX/XX/XXXX {$69.00} was issued to that card by XXXX XXXX but the hostile and dishonest Citi Bank refuses to talk with me on phone and send me my money which I'm owed. 

Citi Cred card end in XXXX XXXX This another example of hostile and unprofessionalism at Citi Bank Card cards.
Consumer complaint received 2021-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CA)

On XX/XX/2021, both my husband and I first tried to make a principal payment on our home mortgage on Loan Depot 's online portal, loandepot.loanadministration.com. Each of us were informed on that website that the payment did not go through, and to call XXXX XXXX XXXX XXXX. I then called that number, and spoke to XXXX. The call lasted 47 minutes. XXXX at Loan Depot informed me that I could not make a principal payment on the loan because there was a " stop '' on our account. The only way to remove the stop is to email the Loan Depot research team to get the " stop '' removed. The " stop '' is a code which apparently requires certified funds or a money order for payment. The alternative is to mail in certified funds or a money order ( which can only be obtained by going into a bank during Covid ), and then mailing that payment to them. XXXX informed me there was NO ONE available who could remove that " stop. '' The only remedy is to email the Loan Depot research Department, which effectively prevents us from making our principal paydown today. I have emailed the Loan Depot Research Department and predictably have received no response. 

Moreover, we make our monthly mortgage payments to Loan Depot directly from our bank through ACH and have never been late on any payment. We have excellent credit. 

It appears to us that Loan Depot is attempting to preclude us from making a substantial principal paydown. 

We are requesting that the CFPB investigate this interference with our attempt to make a principal loan reduction. 

Thank you.
Consumer complaint received 2020-07-18
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. (CA)

My credit file with Experian has been locked for over two years, yet this morning I received notice that my credit file has been released to three different financial firms ( banks ) in the past 24 hours. I have spent hours trying to contact Experian to advise them that these inquiries are not authorized but there is absolutely NO way to speak to a live person at Experian. I have tried for hours to file a notice on line that my credit lock has been violated but there is no way to do that on line or by phone with Experian. There are plenty of ways to sell Experian products on line but it is impossible to reach them about their releasing my credit files when they are locked. Just for information, XXXX  is the service that notified me about the Experian breach. I could reach a live person in about 5 minutes. They said I must reach Experian to stop this access, but it is impossible to do so.
Consumer complaint received 2020-08-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (MA)

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still it is very important to me to have a good and positive remarks on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating..
Consumer complaint received 2020-07-18
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

I went into my credit report and found 2 mortgages both closed under wells fargo Bank. They suddenly transfered out my loan last year after being with them for many years and never missing or being late on a payment. I have never had more than 1 mortgage with Wells Fargo and I don't understand why there are 2 with different account numbers attached to them.
Consumer complaint received 2018-06-22
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: Experian Information Solutions Inc. (NY)

I have been in contact with Experian since XX/XX/XXXX. I have contacted them several times and nothing has been done. I am a victim of identity theft. They assigned my investigation to XXXX XXXX. My last called was XX/XX/XXXX about inquiries that i didnt authorize are still on my credit report. This is the XX/XX/XXXX time I have called in over 30 days about several unauthorized inquiries on my Experian report. XXXX nor anyone else has called me for follow up in my investigation. This is ruining my credit and being an victim of identity abuse is frustrating. I need Experian to do there job.
Consumer complaint received 2018-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

In XX/XX/2017 I was made aware of an account opened fraudulently in my name at Chase Bank. I contacted my local sheriff 's office, all credit bureaus, my banks, and my brokerages. Since then, I've discovered multiple accounts created in my name, and have communicated with Chase bank several times during that time. Chase has notified me that certain accounts were closed, that they have contacted the credit bureaus, and that I am not responsible. However, I still get letters, emails and bills from them with different account numbers. I have submitted a complaint to the Florida Attorney General 's Office.
Consumer complaint received 2020-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

student loans are in forbearance and should not be reporting late. 

Dept of education/XXXX  {$37000.00} Shows 3 late payments. Payments were never late Dept of education/XXXX  {$31000.00} Shows 3 late payments. Payments were never late