davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-24
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. (LA)

Filed a dispute through Equifax for XXXX XXXX. It states paid and closed which makes it look like a positive account in order to remain for 10 years or more. When you look at the account/payment history it clearly states repossession which makes this a negative account, therefore it should have been removed at the 7 year mark. All other credit bureaus have already removed the item, but Equifax seems to be going by a different set of rules. Most recent dispute was XX/XX/XXXX and I received results on XX/XX/XXXX stating it is accurate and no changes were made. Last payment was made XX/XX/XXXX, item should have been removed XX/XX/XXXX. I was advised by an Equifax employee that it will stay even longer because I filed a dispute in XXXX.
Consumer complaint received 2022-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Account Number XXXX ), has violated my rights. 

n accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX ( Account Number 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 2021-06-28
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: DISCOVER BANK (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2020-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AZ)

I have a conventional mortgage loan with NewRez LLCXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX PA XXXX. I have paid my fee of {$150.00} for appraisal to NewRez for cancellation of PMI on XX/XX/2020. My loan amount is approx $ 55k and the property is appraised at $ XXXX. They continue to delay the cancellation of {$75.00} per month with no clear explanation. I have called numerous times and spoke to countless supervisors and still as of XX/XX/2020 they have not resolved the issue.
Consumer complaint received 2018-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Concord Servicing Corporation (MD)

XX/XX/XXXX account became delinquent with XXXX XXXX XXXX ( timeshare ). Account was given to XXXX XXXX. According to a debt lawyer, because XXXX XXXX is not the orginial debtor they have no authority to report the account delinquent each month. They are only authorized to report 1 time as being delinquent one time which was in XX/XX/XXXX. Also, i paid XXXX XXXX XXXX XXXX off back in XX/XX/XXXX. Paid in full. They reporting the account as charge off and paid in full and a chargeoff with a zero balance,
Consumer complaint received 2020-10-09
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. (TN)

I sent letter to each credit agent stating that they need to send information obtaining this information via mail. And I didnt receive any type of validation from any bureau. I was just told they will not remove. But they wont send any proof of where they got this information. And they are required by federal law to provide court documents directly from the court to put on my credit. Or a signed document from myself. 

Per the FCRA 623 ( a ) ( 5 ) : If the credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify-through physical verification of the original signed consumer contract and/or judgment ( s ) - all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.
Consumer complaint received 2018-09-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (RI)

I was part of a repayment plan which I was paying XXXX dollars a month for my student loans with XXXX XXXX. Last year XX/XX/XXXX I lost my job so I fell shins on my loans I started working again in XX/XX/XXXX and XXXX I started to catch up and pay XXXX dollars twice a month to catch up on my loans. XX/XX/XXXX I was calling XXXX XXXX to set up 2 payments every month and the last time I spoke to someone was in XXXX and they told me that once I make these next two payments I would be current. After the 2 payments XXXX XXXX called me non stop 6 to 7 times a day when I called bck they told me I was behind on payments after I advised what I was told the last time they called they weee rude and not listening to anything Im saying. I sent letters out to XXXX XXXX advising that My family and I would no longer like any phone communication just mail communication. They continued to call and call and when i spoke to them on the phone they said I can call you as much as I want no respect at all. I started to send out letters trying to negotiate with XXXX XXXX I have a paper trail of that but they continue to call my aunt who is my co-signer but also my cousins and uncles they are really harassing me and my family. Please can you help me
Consumer complaint received 2018-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PROVIDENT FUNDING ASSOCIATES (GA)

I made an online payment on my mortgage account with Provident Funding on Friday, XX/XX/2018 at XXXX XXXX.. The payment was made prior to being 30 days late. Provident Funding has posted a 30 day late payment on my credit report with all 3 credit bureaus. Provident Funding is responsible for reporting accurate information to the credit bureaus. I have an email from XXXX showing the receipt of the payment on XX/XX/2018 at XXXX XXXX.. I have tried to have them agree to correct and report the information accurately and they have refused. I have never been late on a payment in my life.
Consumer complaint received 2019-11-05
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. (FL)

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and they all need to be deleted from my credit report please. I called police and got contact with FTC. These are the items I need help removing : 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
Consumer complaint received 2020-10-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY (TX)

Do not recall the date Wells Fargo Credit Card was issued or the exact date the Account was closed, but Debt was XXXX XX/XX/XXXX via my Bankruptcy ( Sole ). Upon waiting the required 2 years to seek a Home Loan ( Jointly ), the financial institution alerted us of the negative activity on my Wife 's Credit Reporting History. The collection amount detailed was {$4600.00} that was past due. My Wife never received any notice of collection from Wells Fargo. Upon contacting Wells Fargo in XX/XX/XXXX, it was explained that my Wife never filed or requested a Credit Card from Wells Fargo individually, Jointly or as a Co-Applicant. The first Representative of Wells Fargo I spoke with confirmed that my Credit Card Account was closed and XXXX via my Bankruptcy, but the Representative indicated that my Wife 's Debt was also discharge via my Bankruptcy because of our residency in Texas, which is I was told is a XXXX XXXX XXXX and that when I discharge my debts via Bankruptcy the Joint Account with Wells Fargo was also XXXX. However, I explained that I do not recall or remember requesting Credit or Credit Card for my Wife. An official Dispute was filed in XX/XX/XXXX and explained the aforementioned information. I was told the investigation would take 30 days and a decision would mailed. Till this date ( XX/XX/XXXX ) no written response has been received and despite multiple attempts by telephone I have not received a decision or a course of action from Wells Fargo.
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX continues to verify inaccurate information TO ALL 3 CREDIT REPORTING agencies. Violations under FCRA section 623 ( a ) ( 1 ) ( c ) states the data furnisher full responsibility under federal codes must report 100 % complete and accurate information otherwise it must be deleted. Continuing to report less than 100 % complete and accurate information to the CRA is major violation.  XXXX continues to verify inaccurate information from my most recent dispute with the credit bureaus COMPLETED ON XX/XX/2020.
Consumer complaint received 2020-10-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rate Plus, Inc. (CA)

I started the refinance process for my home on XX/XX/2020 with XXXX XXXX, XXXX licensed by the California Dept. of Financial protection and Innovation ( Formerly Dept. of Business Oversight, LICENSE # XXXX / NMLS # XXXX ). the loan officer was XXXX XXXX XXXX XXXX # XXXX ). I turned all needed docs. on the same day ( XX/XX/2020 ). 

loan amount was {$400000.00}, i was quoted for 2.625 %, 30 years fixed. XXXX told me the loan will be closed between XX/XX/2020 to XX/XX/2020, since it is easy loan ; refinance no cash out and paying only one lender. 

Rate Plus advertise on their website that they are closing their loans within 25 days!! 

On XX/XX/2020, i received an email from XXXX stating that the loan was approved and they needed my last paystub and last bank statement. I emailed him and loan processor XXXX XXXX all docs. the same day. XXXX told me that my cloan will be closed by XX/XX/2020. 

on XX/XX/2020, i received an email from XXXX stating that they will NOT refinance my loan, because i refinanced beforewith Owning Corporation. " I have an update on your file. The company has issued an announcement that we will not be refinancing any loans that was refinanced by Owning. From the feedback that we are receiving from incoming customers, Owning has been instructing their customers to call their competitors i.e. Rateplus just so that they are able to offer another refinance after funding has occurred. Our Capital Markets Director has been receiving a large bulk of payoff statements from Owning on loans we have just closed which is why they made the announcement. If you have any additional questions please feel free to reach out at your earliest convenience at XXXX XXXX XXXX. Best regards ''
Consumer complaint received 2020-07-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

Hello, Wells Fargo is yet again doing illegal activity. I made a principal payment of $ XXXX on XXXX and at that time my current balance was {$88.00} ( rounding up ) Since then I have made several payments as well as additional principal payments and the balance is now at $ XXXX. It appears that Wells Fargo did creative accounting so that they could continue to charge me interest on a high balance as opposed to correctly crediting my account on XX/XX/19. When the $ XXXX payment was made, the balance should have been $ XXXX, yet the balance id $ XXXX and I have made an additional $ XXXX towards the principal along with my monthly payment so the most my balance should be at right now is $ XXXX, not XXXX! 

Wells Fargo should not be allowed to get away with this and be fined a penalty. This is not the first time they have done this to me. The first time I bought their creative accounting explanation, this time I realized, it makes no sense! I should be given a credit for my overcharged interest as well! Wells Fargo keeps trying to make contact with me to try to convince me that their accounting is correct when it is absolutely wrong and they are still benefiting on interest charges off my incorrect balance! 

Wells Fargo has had a history of questionable activities and I can not be the only one that they are pulling this mortgage interest rate scam on!!!! I have various statements and they have questionable accounting and balances and are different on each statement???????
Consumer complaint received 2019-11-05
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

I leased a XXXX XXXX XXXX thru XXXX XXXX XXXX and before the end of the 3 year lease the care was returned by a broker ( XXXX XXXX, owner : XXXX XXXX, cell ; XXXX ) to XXXX XXXX   XXXX. He forgot to get an LPW number at that time and proceeded to lease me a XXXX XXXX XXXX for another 3 years. When I decided to lease now a new XXXX XXXX, I received a letter form XXXX XXXX that I owe them another {$4400.00} representing the difference between Contract receivable and the selling price of the XXXX XXXX. I am XXXX XXXX  and I have been leasing XXXX  cars since XXXX and always given back the cars before the end of each lease period ; I have never been submitted to this type of non sense super creating billing which I believe is illegal. In addition XXXX XXXX ruined both my credit score and that of my wife because several XXXX dealers told me that if I add my wife as co-leasee, they would approve a new lease -- subsequently I got several letter of denial stating that I owe money to XXXX XXXX and my credit score is too low. I add that I have a duplex in XXXX and a house upstate and no loans to pay to any entity..
Consumer complaint received 2018-09-24
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. (CA)

PLEASE PROVIDE ALL INFORMATION AS BELOW TO VIA MAIL DO NOT REFER ME TO THE WEBSITE OR A CUSTOMER SERVICE NUMBER AS BOT OF THOSE OPTIONS ARE NOT RELIABLE AND ARE ACTIONABLE CAUSES. THIS A DIRECT REQUEST VIA THE RIGHT OF ACCESS : ( 1 ) WHO AUTHORIZED THE information it has collected about ME, ON MY CREDIT REPORT ( 2 ) The sources from which the information is collected ON MY CREDIT REPORT ( 3 ) The business or commercial purpose for collecting or selling MY personal information.

( 4 ) The third parties with whom EXPERIAN shares MY personal information. 

(5 ) The specific personal information THAT EXPERIAN has collected about ME. ( 6 ) The information that you released or shared please provide the names of all entities that EXPERIAN shared and released information to and what purpose or use was this claimed to be for. i can be reached at email XXXX XXXX
Consumer complaint received 2023-07-21
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: EQUIFAX, INC. (TN)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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 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
Consumer complaint received 2020-10-13
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$16000.00}, {$21000.00}, {$2100.00}, {$11000.00}, {$0.00}, {$0.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- AUTO ACCOUNT 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- OTHER ACCOUNT 6. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account.
Consumer complaint received 2021-06-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2020-07-10
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (GA)

I, received unemployment from the State of Georgia, but never received my debit card in the mail. Tried calling them but they either hang up on me or I am on hold for ever. They have {$640.00} of my benefits and have had it since XXXXi now have direct deposit into my personnel account. This {$640.00} is the only amount I haven't received because it is on a Prepaid Card issued by XXXX that I never got. I have no account number to even enter into their automated system.
Consumer complaint received 2020-07-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TX)

I owed XXXX on a credit card debt to XXXX XXXX. I called Midland funding in XXXX XXXX on XX/XX/2020. We agreed to settle for XXXX dollars. They accepted the ach that day, it cleared the next day and they lowered the reported balance to all three bureaus within a week. The XXXX remained. I called the the end of XXXX they said they would report it XXXX balance. 

I called in mid XXXX, same thing, nothing happened. I called on XX/XX/2020 and they assured me they would have it removed in days not weeks. It's there and I'm astonished. It's the last adverse item on my report. I think I'm entitled to some movement after 60 days this. 

Thank you for your attention to this.
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Checkr, Inc (IN)

I am applying for the XXXX company but in the XXXX I get that I had a car accident which is not easy is a fine for walking without the physical license and I also pay it I have a copy of the receipt that they pay it I can provide them but I get as an accident not as a fine and that's why I am not approved in XXXX
Consumer complaint received 2019-11-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (TX)

This is the XXXX XXXX credit card issued by wells fargo. 
Someone took this card that i haven't used in a year and went on a shopping spree. I have no clue where it is and I thought that this account was closed last year.