davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-16
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. (TX)

Account Name XXXX XXXX Account Number XXXX   Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Account Name XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$890.00} past due as of XX/XX/XXXX. 

Account Name DEPT OF EDUCATION/XXXX Account Number XXXX Account Type Education Responsibility Individual Date Opened XX/XX/XXXX Status Open. 
Status Updated XX/XX/XXXX Name XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$890.00} past due as of XX/XX/XXXX. 

inquires ftc violations US SM BUS ADMIN ODA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Business. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX   Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Rental on behalf of XXXX XXXX   XXXX. This inquiry is scheduled to continue on record untilXX/XX/XXXX. 

Not disputable online XX/XX/XXXX Inquired on XX/XX/XXXX Rental on behalf of XX/XX/XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XX/XX/XXXX Inquired on XX/XX/XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XX/XX/XXXXInquired on XX/XX/XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable onlineXX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online
Consumer complaint received 2019-05-23
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: BARCLAYS BANK DELAWARE (NY)

My name is XXXX XXXX and I was in a XXXX flight XXXX on XX/XX/2019. 
I feel that prior to the flight, i was subject to the fraudulent scam perpetrated on my by XXXX reservation agent. I was trying to change my seat assignment on Friday, XX/XX/XXXX, since i was traveling with my husband and our young grand daughter, i wanted to seat in the middle of the plane. I XXXX  XXXX and found the phone number in the XXXX. I spoke to someone who identified themselves as XXXX reservation specialist and was told that there was a promotion and i could move my seats, but there was some glitch in the system and i had to quickly go to the closest store and buy prepaid XXXX cards in the amount of the full ticket price, the invoice with XXXX logo was forwarded to my email address, please see attached. When i questioned this request, i was told that my current reservation was cancelled and if i still wanted to travel, prepaid cards in the amount of {$1800.00}, was the only way to retain my reservation. I felt that i had no choice but to buy the prepaid cards to accommodate the XXXX agent request. Since i called XXXX myself, I had no suspicions that i was not dealing with XXXX reservations representative. I was also sent an invoice by email as well with the XXXX logo. 
After the call ended, I was told that i became a victim of fraudulent scheme, and XXXX reservations whose number i saw in the XXXX search, was not a real XXXX number, my real reservation was not affected, but i was swindled out of {$1.00}, XXXX which i paid by my credit card. I am very upset and outraged that XXXX does not monitor the fake XXXX numbers that appear in XXXX searches. I feel that its your responsibility to protect your customers and the validity of your XXXX searches. Im retires and on fixed income, this fake XXXX bill presents a huge hardship for me and i feel that XXXX should be responsible and held liable for the fact that you don '' t protect your XXXX searches. I am attaching all the relevant information for you and hope that you will be able to assist in this matter. 
I contacted my credit card it's Barclays bank account ending with XXXX and told them that I was a victim of a scam and the credit card does not do investigation for scam and keeps charging me the amount.I was contacted to what I thought was XXXX XXXX and it was a scammer who took away my money and I only realized after a few transactions. 
Please help me to investigate this transactions and reimburse for the money I myself did not use. 
I reported this issue to FTC and XXXX as well Best regards, XXXX XXXX XXXX Here is the phone numbers XXXX XXXX XXXX XXXX XXXX Here is the invoice with the XXXX logo which I received by mail. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2021-02-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I went to get financing for a car loan. I was excited to go to the dealership until the car salesman came back into the room and informed me that he wasn't going to be able to get me financing for any vehicles. This caught me by surprise because I have always understood the importance of having and maintaining good credit history. So I always did my best to make sure I kept all of my affairs in order. So of course I was full of many different emotions when the salesman informed me that I wouldn't qualify for any financing. These negative items being reported on my credit report are not my accounts. I demand them be removed. This is defamation of character. This is also a FDCPA violation 15 USC 1692d. Reporting inaccurate items on someone credit report negatively affects a consumer 's reputation. FCRA 15 USC 1681 states that a consumers credit report is the consumer 's reputation. If these items are not removed immediately I will seek litigation. I also provided evidence to support that I was a victim of the Equifax data breach.
Consumer complaint received 2020-07-16
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. (MD)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.
Consumer complaint received 2021-12-21
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 (NJ)

Regulation Z violation Disputes ending in XXXX and XXXX were opened earlier this year, both for the same reason under goods or services not received. Within XXXX hours, Wells Fargo closed the disputes and no investigations were conducted, as required by Federal law. I reached out to Wells Fargo several times before today, including the CEO. First, I was told that information was needed by XXXX ( supervisor in Claims Assistance ) to reopen the cases. I cooperated and provided the information requested. Wells Fargo acknowledged receipt of the information, yet the disputes were still not investigated and remained closed. For both disputes, I was then told : " Unable to Assist ''. 

Then, in XX/XX/2021, several months later, Wells Fargo decided to investigate the dispute ending in XXXX and provided a permanent credit for the disputed amount, but no investigation was conducted for the dispute ending in XXXX and no credit was provided. Again, both disputes were opened for the same reason, and nothing had changed between the dispute ending in XXXX and the dispute ending in XXXX. Wells Fargo *was* able to assist. Yet Wells Fargo chose to investigate the one ending in XXXX but chose not to investigate the one ending in XXXX. Plus, Wells Fargo is still assessing finance charges on the amount associated with the dispute ending in XXXX. 

Your assistance would be appreciated.
Consumer complaint received 2021-12-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2018-06-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MA)

Back in XX/XX/XXXX I received a phone call from a XXXX XXXX, originally called from the Carrington phone number XXXX and then called from XXXX saying that we have been pre - approved for a loan modification and our interest rate could be lowered to 2 %. We were sent paperwork stating that if we made our 3 trial payments on time we would be approved. The 3 trial payments were made via money gram. Once the payments were made we received another phone call saying that the taxes and insurance would also need to be paid and our payment for the next 6 months would be less and come XX/XX/XXXX, the payments would go to the normal payment after the modification. We went ahead and made the payment of the taxes and insurance and thought we were all set until we received another call saying that we need to pay a processing fee. Upon trying to made the processing fee payment the payment was rejected. 
the person or persons who have scammed us have the Carrington Logo and have our loan number and phone number. They had my cell phone as the contact number and called me. I am not sure how they got this information, but I have no other accounts compromised.
Consumer complaint received 2020-09-11
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: Experian Information Solutions Inc. (TX)

My credit profile shows an account as a charge off. After checking all of my files and records i was unable to find any records with the listed company or any accounts that matched this account listed. I have diisputed account but it still remains. Please delete this account.
Consumer complaint received 2017-07-22
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: Experian Information Solutions Inc. (FL)

I have contacted both Experian and XXXX numerous times to resolve this complaint and account with inaccuracies. Both reporting agencies have responded with saying the information I was disputing ( never late ) has been verified by the creditor. However, the creditor told me that they actually never responded to the disputes that were filed but the reporting agencies said they had. I took the following steps according to the law and asked for the method of verification from the reporting agencies and they told me they did not have to give me that information. I stated the law and what it says about a consumer requesting that information and they had 15 days to send it to me. They told me I was wrong, and that the creditors were responsible for sending that documentation. I was transferred to a supervisor with both agencies ( Experian and XXXX ) and they would not confirm nor deny my rights but they both said they did not have to have verified proof, or any physical information from the creditors to display it. All they needed was an electronic message. I again read the law stating they had 15 days to respond to me after I requested verified proof and again I didnt get anywhere. Both agencies told me the exact same thing, they did not have to have anything from the creditors to report the information. However, they are required to have this information in their hand, and send it to me in writing with the business name, phone number, and names of the people they talked with for the investigation. They both stated they did not have any of this information and stated it multiple times. I sent certified mail asking for the verification in XX/XX/XXXX and have yet to receive anything from them on how it was investigated. They are damaging my ability to gain credit and get the best rates possible on our home loan. The account in question is XXXX XXXX, a credit card with an XXXX credit line and closed in XXXX. 2016. I have attached the certified mail and receipt for the request of verification. Its been almost 3 months.
Consumer complaint received 2017-08-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc. (CA)

I had an account with XXXX XXXX which is the electric company for XXXX Nevada XXXX XXXX area. My now ex boyfriend and I moved out of the apt located on XXXX XXXX XXXX in XXXX XXXX NV in XXXX. This is when the account first became delinquent. in XXXX. The agency did not report this debt on my credit right away they waited till XXXX XXXX try to make it look like they have more time for statue of limitations. In Nevada the statue of limitations is 4 years from the time you are first delinquent not until the debt collector decides to report it on your credit. Today is XXXX XXXX XXXX this debt collector still reports this information on my credit even though the 4 years is up for this stale debt.
Consumer complaint received 2018-02-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (CO)

XXXX XXXX XXXX I have never signed up with XXXX XXXX. Please provide me showing a hand written signature that I signed up for this company. Also I want a contract showing that I have any legal obligation into paying you guys for this debt. If you can't provide me with that then I want you guys to remove this from my credit report immediately. Please don't try and call me.
Consumer complaint received 2016-11-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (WV)

Receivables Performance Management is calling several times a day starting at XXXX harassing me about a debt that I do not owe. I 've told them it 's not my debt. yet they keep calling every day. Do they think I 'm going to pay so they quit bothering me??
Consumer complaint received 2019-05-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: JPMORGAN CHASE & CO. (FL)

I purchased a XXXX set for gifting on XX/XX/XXXX from XXXX. 

I found an advertised sale at XXXX XXXX XXXX on XX/XX/XXXX and submitted it for match. 

CASE : XXXX It has been rejected. " After contacting the seller regarding your recent claim we have verified the item claimed was ; never available for purchase at the price indicated on the ad submitted, was of limited quantity, and/or it required a promo code not available to the general public. '' I called on XX/XX/XXXX XXXX EST and spoke with XXXX at the front line and XXXX the supervisor - who were both very polite - to ask why. I was told it's out of stock so it's " not for sale '' repeatedly and doesn't qualify for price protection.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX  XXXX XXXX XXXX, GA XXXX ; US XXXX  XXXX XXXX XXXX Balance {$5100.00} ; US XXXX  XXXX XXXX XXXX Balance {$3100.00}.
Consumer complaint received 2020-04-30
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. (TX)

I have two accounts with XXXX XXXX, the account in question ( account # ending in XXXX ). The account is paid in full ( meaning I haven't made any charges on the account in over a year ) however each month there is a monthly servicing fee that is charged of {$7.00}. I missed the payment for XXXX due to everything that is going on with COVID and paid the balance on XX/XX/XXXX which was {$13.00}. 

I spoke with a young lady on the date I made the payment in full and asked her specifically would this report negatively on my credit report. She stated to me " No ma'am this will not report negatively on your credit report because you paid before the XXXX, our company doesn't report until the last day of the month '' I said thank you. 

Today XX/XX/XXXX, I receive an alert from Experian that this account was reported negatively to the credit bureau. I immediately contacted XXXX XXXX and spoke with XXXX, I asked her were their calls recorded and she stated yes. She went to tell me that I paid after the XXXX of the month, and that's the reason why my delinquency was reported, and when I advised her of what the previous agent said XXXX stated that " they normally report on the XXXX, but this month they reported to the credit bureau on the XXXX '' I then asked, could the previous agent not have seen this, and she stated " she didn't know why the previous agent didn't see it and gave me incorrect information '' I asked her could she remove it from my bureau and she stated I would have to dispute it with credit bureau or in writing to them. 

I was clearly given false information which lead me to believe that my payment would suffice and prevent any delinquency being reported to my XXXX. This company has violated UDAAP practices by giving false and misleading information and I would like for this derogatory information to be removed from my credit bureau immediately.
Consumer complaint received 2020-04-30
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. (AR)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$120.00} XXXX/XXXX  XXXX {$0.00} XXXX XXXX   XXXX {$450.00} XXXX  XXXX {$12000.00}
Consumer complaint received 2017-07-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

the risk dept at bank of america closed my acct -- -this had to do with me being massive victim of gang crime gang stalking mud slinging incuding financial fraud identity theft burgaries theft etc..and complete lack of needed legal representation -- -i was customer since late XXXX XXXX XXXX which was late bought by bank of america -- -- after suffering from latest crime when all of my checks were taken i decided to chg account num -- they chgd my acct num -- then within couple of weeks after this happened or after 2 weeks  after XXXX XXXX-2017 apx -- -my crd stpped wrkg -- my online bnkg stopped responding and i learned they closed my acct -- they did give me my money back after i alrdy ordered new checks telling me to resolve my chk order with XXXX -- is there anyway to sue bank of america and wht kind of case wld this be??? -- i opened the new acct by XXXX  as instrctd by XXXX XXXX mgr
Consumer complaint received 2022-01-06
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING XXXX XXXX XXXX XXXX XXXX XXXX Opened : XXXX Balance {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX Opened : XXXX Balance {$13000.00}
Consumer complaint received 2020-08-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

I have read about the Mortgage Forbearance Program being offered by the Federal Government under the cares Act I read the articles & I contacted my Mortgage Servicers & I requested participate in the Federal Forbearance program & I was told by the Servicer that there is no such program being offered, But they have an inhouse program, & I would have to make the entire payment missed once the 90 days expired, I refused their offer, I went online & I read the Cares Act & the specifics regarding the Federal Forbearance program, I called  again & spoke with a supervisor & was told the same thing which is contrary to the Forbearance program approved by the Federal Government, They are giving incorrect information to the public,