davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUN WEST MORTGAGE COMPANY, INC. (UT)

Sunwest mortgage is reporting erroneous late notations on my credit file and they must be removed. I did a short sell on my house and sold it almost immediately and the new owners moved in very shortly after. However, Sunwest mortgage is showing 2 lates for XX/XX/20 and XX/XX/20. I was not late on this account, my title company was supposed to wire the money over. This was not my fault, whether or not payment was received on time was not up to me but my title company. I can only assume there was some kind of error on your end or my title companies end but this is not my fault. My house had already been sold and people were residing in that home for those months. Please remove the late notations from my credit file immediately.
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

^^^^^^^ Dear the " '' governor '' ''. I am **XXXX  XXXX . Today i would like to repeat my report about incorrect information that exist in my credit account. I have been trying to contact you guys to have this problem fix but never see any changes. I notice that all of the names, addresses and employment information are inaccurate. I want to assure that none of these wrong information that are not belong to me or any of my business. I have listed below all the names, addresses and employment information that need to be corrected : ************************ *NAMES REPORTED* XXXX XXXX XXXX XXXX XXXX XXXX, XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- **EMPLOYMENT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX!!!!!!!
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 USC 1681.

has violated my rights. Or a list of inquiries : 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish 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 inaccurate.
Consumer complaint received 2020-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (CA)

I would like to have them remove fraud alert on my credit report but they are not respond. My used car messed up and i need to buy a newer card but to do that dealership need me to remove fraud alert on my credit report. I sent my documents on XX/XX/2020 to identification information as they request to Experian by certified Mail and they received on Tue XX/XX/2020, now more than one weeks and i can not contact them or hear anything from them, call them on phone but keep talking to machine and can't reach to speak with representative, keep hanging up my call, tried to upload my documents to them hope can get things faster but keep getting error " We have discarded any documents you were in the process of uploading ''. 
Phone call does not work, send by mail they are not respond or take any action, working online getting error. How i can fix my trouble with this company. 
I need a car to go to work but this delays is give me a big headache. 
This is unprofessional and i am a customer can not contact them. Wasting my time and money to go back and forth to fixing thing without any help.
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I am having an issue of applying for a Capital One credit card. When I apply for a Capital One credit card I get the following credit decision : Cant process or open any Capital One credit card accounts due to prior Capital One Bank credit card accounts. I paid in full the Capital One Bank XXXX account ending in XXXX to a debt collection company on XX/XX/XXXX and Capital One Bank account ending in XXXX was discharged under XXXX XXXX bankruptcy in the United States District Court District of Minnesota Bankruptcy Court on XX/XX/XXXX. I have settled all outstanding account balances of prior Capital One Bank accounts. I should now be able to apply for a Capital One Bank secured credit card to rebuild my credit. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Consumer complaint received 2020-08-31
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have contacted the creditor/company many times 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 2017-12-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TN)

In XXXX, during the housing crisis, we had to sell our property because of the losses we were incurring. We tired to sell it but could not. We received the foreclosure notice XXXX, XXXX and the foreclosure date was XXXX XXXX, XXXX. We were sure it was foreclose because we received tax documents from the mortgage holder telling us what price it foreclosed for and how much we taxes we owed for the difference between the sale price and the amount owed. We paid those taxes in out XXXX tax return. Now they are say we still owe on the loan. We need this resolved as soon as possible. The loan was sold to Ocwen and they are coming after us for the loan again.
Consumer complaint received 2020-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC. (CA)

TODAY XX/XX/2020 1 APPLIED FOR AN AUTO LOAN AND UNFORTUNATELY WAS LOAN NOT APPROVED BECAUSE WHEN THEY RAN MY CREDIT. I WAS TOLD THAT THERE WAS AN ACCOUNT IN DEROGATORY STANDING ON MY REPORT. I DON'T KNOW WHAT THEY ARE TALKING ABOUT SO I LOOKED THROUGH MY CREDIT REPORT MYSELF AND SAW THE ACCOUNT THAT DOES NOT BELONG TO ME. THE ACCOUNT IS NET CREDIT-XXXX .... {$7300.00}. I DID NOT OPEN THIS ACCOUNT AND I DID NOT ALLOW ANYONE TO OPEN IT IN MY NAME USING MY PERSONAL INFORMATION. I DID NOT BENEFIT ANYTHING AS A RESULT OF THIS ACCOUNT BEING OPENED IN MY NAME WITHOUT MY PERMISSION NOR DO I HAVE A CONTRACT OR AGREEMENT WITH THIS COMPANY
Consumer complaint received 2020-10-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

I bought my home on XX/XX/XXXX and it has always been owned by XXXX XXXX but it has been suddenly sold to some other entity without my knowledge in the midst of covid-19 pandemic.i am currently on moratorium status. 
As of today XX/XX/XXXX my servicer will be XXXX XXXX XXXX telephone # XXXX and previous servicer was no Morgan chase bank telephone # XXXX. 
Is this action legal?
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I previously requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. Your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested.This is a request under FCRA 611 ( a ) ( 7 ) Description of reinvestigation procedure by your bureau in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ). A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete the items, as originally requested. The accounts I am talking about is XXXX  XXXX  XXXX XXXX  XXXX and XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-18
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: GOLDMAN SACHS BANK USA (NY)

I made at a purchase at XXXX XXXX XXXX  for {$1400.00} and {$570.00} on XX/XX/XXXX. I returned the items to XXXX  via XXXX. In summary, I returned my items and XXXX claimed they never received them. Below I am going to type out a more detailed description of what occurred along with screenshots to back it up. I have labeled the attachments accordingly. 

Attachment 1 shows my order in its entirety and that it was purchased on XX/XX/2021. I tried to replicate my cart but there was no return options on the screen so I went on their website and discovered that their return policy is a 30 day return window which is shown in attachment 2. I reached out to them on XX/XX/2021 asking for a return and they emailed a link for XXXX return items. I downloaded the shipping labels. Attachment below are the shipping labels which were provided from those links. Those were the shipping labels I attached to my returns and dropped off with XXXX. Also attached below is proof that my returns were delivered. The tracking numbers at the top of the XXXX  page show that they match the labels I used. Also in attachments, shows the returns were signed for by a XXXX  on XX/XX/2021. All of this was within the 30 day return period which was provided in attachment 2. After not hearing anything from them for a week or XXXX, I reached out via their chat function and they told me they would escalate it to a supervisor. I asked for the chat logs of that chat but XXXX refused to give me the chat logs. After numerous attempts of calling them, no one could provide me an answer or refund so I went the bank dispute route. Apple card with goldman sachs has been absolutely awful to work with. To begin with, I've sent them all this information beginning on XX/XX/XXXX when I opened the dispute. Since then they have continuously denied my disputes with nothing but reset answers and refuse to help me anymore. I requested the dispute information be sent to me XXXX  times ( first time on XX/XX/XXXX ) and not once have they sent me the information that helped them make their decision. I returned these items and showed my return was delivered but for some reason they still are denying me. Now they are asking me to pay them so ill be out of the money and now i don't even have the items. They are bullying me and I can't do anything about. They've been rude to me and can't help but provide scripted answers to anything. Ive disputed, ive appealed but to no avail and through the whole price goldman sachs and apple card have been absolutely useless. 

( the attachments provided show my return labels and the subsequent proof of delivery of those returns to XXXX provided to me by XXXX  )
Consumer complaint received 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$530.00}, {$410.00}, {$630.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$530.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$410.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$630.00} -This is not my account.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

MY AUTO LOAN WITH XXXX HAS BEEN PAID OFF FOR A COUPLE FO MONTHS NOW, AND TRANSUNION IS THE ONLY ONE THAT HAS NOT REFLECTED THAT ON MY CREDIT REPORT. I JUST WANT IT TO SHOW THAT IT WAS PAID OF, LIKE IT WAS.
Consumer complaint received 2021-04-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax XXXX XXXX  and may have gotten into hands of the wrong person.
Consumer complaint received 2020-10-31
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. (GA)

On XXXX 2020 I did a settlement with a company called XXXX A third-party collection agency working on the behalf of XXXX XXXX XXXX.They are both are still reporting fraudulent inaccurate information this Account was settled and was agreed to be deleted.I checked my credit report today as of XX/XX/2020 and its showing negative for The second month In a row.I have called the collection agency XXXX and I called XXXX XXXX XXXX  in XXXX and XXXX and I told them what the issue was.I was told that they will look into it by the first party XXXX XXXX when I called XXXX the collection Agency they told me that they would call XXXX XXXX XXXX  and get it corrected Two months later XXXX they are still reporting inaccurately.
Consumer complaint received 2022-04-08
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. (PA)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

Need to delete Inq : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (FL)

I noticed an XXXX XXXXcredence acct on my credit report i requested to validate because I never had XXXX XXXX  services. They sent me improper validation. 

If the consumer notifies the debt collector in writing within the thirty-day period described in subsection XXXX a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection XXXX a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Consumer complaint received 2021-04-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-04-08
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 close 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 mistakes 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 PayPal is XXXX XXXX
Consumer complaint received 2020-10-31
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)

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 Addresses XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$3100.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$3100.00} Date XXXX Dispute Revolving Accountsshow tooltip button XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$170.00} written off. {$170.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$170.00} Date Opened XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$250.00} written off. {$250.00} past due as of XX/XX/2020. 
Account TypeUnsecured Balance {$250.00} Date XXXX XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusRepossession/Never late. {$16000.00} past due as of XX/XX/2020. 
Account TypeAuto Loan Balance {$16000.00} Date XXXX Dispute XXXX XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY
Consumer complaint received 2021-11-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MA)

On XX/XX/XXXX I received a phone call from someone saying my XXXX XXXX account was overdue, {$490.00}. They said a truck was on its was to turn off my service. They said I could pay online with Zelle. I told them I wanted to use my credit card, they said it was not possible to use a credit card. 
I setup a Zelle account with them, I sent out {$490.00} and they said, it did not go through please send out {$490.00} and tomorrow morning they will refund your {$490.00}. 

First payment : Conf # XXXX ; XXXX, XXXX {$490.00} Second payment : Conf # XXXX  ; Fc, XXXX {$490.00} Phone number they called from : XXXX Phone number money went to : XXXX The next day I called XXXX to see about my refund for {$490.00}. The XXXX representative said they never call for money or would they turn off the service. They suggested I call my bank and the police department. 

I called my bank XXXX  XXXX XXXX they investigated they said the money went to XXXX XXXX. They said they were not able to help me. 
My claim # with XXXX is XXXX I filled out a police report with the XXXX XXXX XXXX on XX/XX/XXXX. 

XXXX XXXX XXXX. XXXX