davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (NC)

Amsher ( a collection company ) reported a debt in collection to XXXX  XX/XX/XXXX. 
The reference was to a XXXX account. {$2500.00}. 
I saw this on my XXXX  report XX/XX/XXXX. Disputed with XXXX. Report number XXXX I have never once had a XXXX XXXX account. 
I called XXXX XX/XX/XXXX they have no account in my name now or in the past. 
I called Amsher who requested my social security. I am concerned its fraud so will not share that with them. 
I filed a report with the XXXX  as well. 
On XXXX reviews this company Amsher repeatedly does this to people. 
I am a XXXX XXXX and this is an outrage they continue to mess with people who have no debt.
Consumer complaint received 2015-05-02
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

credit card number : XXXX set up automatic payment to " Pay amount due on due date '' for this Bank of America Visa Card ( under XXXX XXXX XXXX ). However, on XXXX, only minimum payment of {$25.00} was deducted. This resulted in I being charged interest on XXXX ( and potentially future date ), and potentially affect my credit score. I contacted BOA but it is a mess there. I was being directed here and there with no resolution. 
The mistake is unexcusable. My family have all kind of credit cards and have never seen a mistake like this. I like BOA to:1. correct his promptly and refund any penalty interest charged. 
2. explain to CFPB why this happen and how many customers have been affected by this mistake, how much fee they have collected out of this mistake. 
3. explain to me whether this affect my credit score and correct promptly if it does.
Consumer complaint received 2021-12-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: MECHANICS BANK (CA)

On XXXX, I bought my wife a XXXX  XXXX XXXX XXXX from a used car dealership- XXXX XXXX XXXX XXXX in XXXX XXXX From the moment my wife drove off he dealership the vehicle was not safe. It started to shutter and it got worse ; the brakes started to lock shut down the car while she was on the freeway driving. The battery was dead. She took the vehicle into XXXX for an oil change and the vehicle was diagnosed that it needed a new XXXX XXXX. On XXXX, I had the vehicle towed to the nearest XXXX  dealership in XXXX CA as it was not safe to drive and it has been there since. Today, I was informed they are not done with the diagnoses but at this point minimum to bring the vehicle to safe and working is $ 8k. FYI I also purchased an extended warranty ( approx. $ 4k ) from XXXX XXXX XXXX XXXX but they have failed to input my information so I am unable to use my Warranty as well. I have left several voicemail and emails for the owner XXXX XXXX, Title : Finance Manager : XXXX. I wish I would have recorded him. There is nothing wrong with this vehicle- LIE. You are getting the vehicle way below market price - LIE ( I actually over paid by approx $ 11k ).
Consumer complaint received 2021-12-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

I have been dealing with this issue since XX/XX/XXXX when I started applying for help with PHH Mortgage/Ocwen XXXX and again on XX/XX/XXXX, for a reduction in my monthly payment by emailing them required application and financial documents to get assistance. I sent them this information by certified mail on XX/XX/XXXX for the XXXX time and tracking proved that they received it at PHH Mortgage Services/Ocwen XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Florida XXXX XXXX Attention : Mortgage Assistance ) on XX/XX/XXXX. 

I have not received a response from PHH Mortgage Services to the XX/XX/XXXX XXXX XXXX. But on XX/XX/XXXX I received a notice from XXXX XXXX c/o PHH Mortgage Services stating my monthly payment is going to go from {$2100.00} to {$2400.00}. I also received a mortgage statement from XXXX XXXX c/o PHH Mortgage XXXX XX/XX/XXXX, saying I owe them {$6700.00} on XX/XX/XXXX. This is almost exactly what the payment was before they modified the original loan from the company that went bankrupt. I have been in my home for 30 years and I have not been offered any assistance by these companies to help me stay in my home at XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-02-04
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. (NJ)

Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/2022 To somebody who can help me. I am very upset about the erroneos things I see on my cradit report. These accounts are unverifiable, invalid, inaccurate and questionable. If all information reported on my report is not 100 % accurate, it must be removed. I hope you can find out what's going on and locate who the inaccurate information belongs to. Can you expedite this quicly? It is my to understanding, that you will do an investigation immediately. A new credit report that reflect the updated changes should be sent. You must complete this investigation within XXXX days of the receipt of this letter. According to the law unverifiable, innaccurate, accounts must be removed and if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 
Thanks for your help with this matter. 

XXXX. Billing error XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is outdated and shouldn't be on my credit XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 




Sincerely, XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Dear Sir/Maam I am writing to formally request the deletion of my credit account information from your records, in accordance with permissible purposes as outlined in relevant privacy regulations. 

XXXXXXXX XXXX XXXX Permissible Purpose Justification : I am invoking my right to request the removal of my credit account information based on permissible purposes, as provided for in [ relevant privacy regulation or law, e.g., Fair Credit Reporting Act ( FCRA ) ]. The grounds for this request are [ briefly describe the specific permissible purpose, such as the closure of the account, completion of the credit reporting purpose, or other relevant justification ]. 

Please find attached any necessary identification or documentation to facilitate the efficient processing of this request. I anticipate that the removal of my credit account information will be completed within the timeframe specified by the applicable regulations. 

I appreciate your prompt attention to this matter and trust that the removal of my credit account information will be conducted in accordance with the relevant privacy laws. 

Thank you, so much for your time.
Consumer complaint received 2022-02-04
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. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2020-09-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (GA)

This company did not supply me with the required 30 day dunning letter. I didnt know they were trying to get any money from me. I received no calls or anything in the mail. 

This was reported to the bureaus illegally. 
This is a violation
Consumer complaint received 2022-07-20
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)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), account # # # # # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Consumer complaint received 2016-10-05
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (VA)

For many years, I paid my Long Term Health Care policy via my Wells Fargo automatic bill pay account on an annual basis. The premium went up, which is unusual, so I had to change the premium amount -- and I also made the payment on an earlier date because I wanted to ensure my account was credited while the insurance company was going through some turmoil due to the rate change which otherwise could delay that. I had difficulty making the change, but did accomplish that. However, both the new payment amount ( {$2900.00}, on XXXX XXXX, 2016 ) and also what then was a duplicate payment ( on XXXX XXXX, 2016 ) at the old amount ( {$2400.00} ) and date were made. I did notice this on XXXX XXXX, 2016 but neither I nor ( calling ) Wells Fargo could stop that payment. Wells Fargo said it was my fault ( I agree their payment change process is difficult ) and refused to reimburse me. Then in that call, they and I called the insurance company ( XXXX ) together to see what would happen when they received the XXXX check. XXXX advised they would send a refund of any overpayment by check mailed to the policy holder. I called XXXX again on XXXX XXXX, 2016, having not received any check, and was told they had not yet received any payment that they could attribute to me. I then called Wells Fargo, who took another report and claim, but seemed unable to verify whether they had made a payment or not to XXXX while I was on the phone. Some day I expect this will be corrected, but they do n't seem to care when they owe me money as much as when borrowers owe them money. Also, if their software is too cumbersome for a simple change of amount and payment date, they should direct me to cancel the old payment and initiate a new one. Wells Fargo case numbers are XXXX and XXXX.
Consumer complaint received 2016-11-19
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY ()

XXXX /wachovia bank / wells fargo bank [ mortgages ] there are wells fargo whistle blowers on all the public chat lines XXXX about mortgage fraud /fraudulent forclosure /preadatory lending /forced home owners insurance stolen propertys / stolen funds from escrow acounts / excessive acount charges / none applied funds / fasified documants / perjury comitted in courts across america, No missed paymants acont in credit all the proof is in the court papers that the corrupt judge XXXX refused to look at. that is fraud, the cfpb and XXXX XXXX XXXX have recieved complaints about wells fargo and you have done nothining since XXXX until XXXX and still fileing complaints to case all of these email will be used in evidance against you as you have been negligent and i hold you responsable for my incureing loss of my family home so we go to court, you have had enough time to bring wells fargo to justice and all this crapp about false acounts is a deliberate act of divershion to make the tax payer that you are doing your job? And that is rubbish and you no it fraudulent, mortgage forclosure is the biggest rippoff since watergate? i wonder if XXXX XXXX knows what has been going on this is govermant planned to the core and i will prove it but iam going to ask the new presidant why i had my home stolen? with over 50 % equity in it good steel? then iam going to float it on XXXX for responce before court proceedings i will win in the end
Consumer complaint received 2020-09-10
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. (WA)

XXXX  ; XXXX  and Transunion should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2016-03-12
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I applied for credit with XXXX XXXX expecting them to run my credit with XXXX for financing. They initiated XXXX inquiries to obtain financing for the vehicle. This was not disclosed to me. It has damaged my credit for over a year now. Businesses should not be allowed to do this without first advising consumers what they are going to do and what the impact of that can be on them.
Consumer complaint received 2022-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Avant Holding Company, Inc. (MS)

On XX/XX/XXXX, Avant sent me an email titled " Account Closure Pending '' which stipulated I must use the card within 60 days or the account would close. 

On XX/XX/XXXX, remembering this email, I paid a XXXX  bill at XXXX XXXX XXXX totalling {$160.00}. 

On XX/XX/XXXX, I paid the credit card off. 

Today, XX/XX/XXXX, Avant closed my account, despite the activity in XXXX that they lead me to believe would keep my account open. 

This comes at a terrible time for me. I have been working to restore my credit since my husband and I were forced to file bankruptcy in XXXX. I run a business now, and I am waiting on a new van to arrive, which I will need to finance. Closing an account is going to result in a lower score which could result in a lower interest rate at at the time of finance. Compounding this, I just paid off the previous van early by selling it, which is already going to negatively impact my score when reported. 

While the account closure at XXXX is not material to the issue with Avant, Avant has made the purchase of this van at this critical time that much harder and is likely to result in a higher interest rate. It would be different if I had ignored their email, but I did exactly what the company told me I must do.
Consumer complaint received 2022-01-07
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: EQUIFAX, INC. (NV)

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 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Your company is in violation of my right and if this is not resolved I will be seeking litigation. You guys reinserted a fraudulent account back on my credit report after deleting it.
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Equifax and XXXX should not be reporting that I am ( 120 ) days late on the DEPTEDXXXX  partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to  multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2022-07-20
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. (RI)

I HAD AN UNAUTHORIZED ACCOUNT ON MY TRANSUNION AND XXXX CREDIT REPORTS AND HAVE DISPUTED THIS BEFORE DUE TO FRAUDULENT ACTIONS, IM NOT SURE WHAT THE CREDIT REPORT AGENCIES PROBLEM IS BUT I AM DISPUTING XXXX  XXXX BANK ACCOUNT NUMBER XXXX TRANSUNION REMOVED THIS FRAUDULANT ACCOUNT BUT THEY DID NOT REMOVE THE COLLECTION AGENCY THAT THE CREDITOR USED AND FORWARDED TO, I AM REQUESTING SINCE XXXX  XXXX ACCOUNT WAS UNAUTHORIZED OBVIOUSLY, THAT XXXX XXXX XXXX XXXX XXXX BE REMOVED AND BLOCKED FROM MY TRANSUNION REPORT AND XXXX  REMOVE AND BLOCK XXXX  XXXX ACCOUNT XXXX BECAUSE THESE ACCOUNT WERE UNAUTHORIZED AND SHOULD HAVE NEVER BEEN OPEN IVE REQUESTED THIS BEFORE WITH TRANSUNION AND XXXX, THEY NEED TO STOP THERE STALL TACTICS BECAUSE NOTHING IS GOING TO CHANGE ABOUT IT..
Consumer complaint received 2020-09-10
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. (FL)

In a letter dated XX/XX/2020, I mailed a dispute to TransUnion. This dispute alleged that 19 hard inquiries were not authorized. TransUnion did not investigate and simply asserted that the hard inquiries were a factual matter. IT took TransUnion until XX/XX/2020 or more than 30 days to resolve the matter. 


On XX/XX/2020, I filed an online dispute with XXXX  with respect to hard inquiries. I stated that these disputes were not authorized by me. On the very same day, XXXX  closed the Dispute and refused to investigate. 

On XX/XX/2020, the court, Norman v.Trans Union, LLC, Case No. 18-5225 ( E.D. PA August 14, 2020 ), held that TransUnion could be held liable for reporting unauthorized credit pulls.
Consumer complaint received 2022-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

Two years ago while applying for an apartment I was denied, and was curious why, so I performed a credit check with credit karma, and found that someone had used my identity to purchase something through a company called LVNV funding. I disputed the debt with three of the credit companies and XXXX and XXXX removed the debt because they said they were unable to validate the debt and i then went and had my credit frozen, XXXX is refusing to remove the debt because they are claiming the debt was verified, but even when i request a debt verification letter they sent a document that had a wrong address and a signature that consisted of characters and numbers, I was confused and spoke with a credit counselor who informed me that this was a digital signature and is not a validation of debt. I then reached out to XXXX again and request their American office where a gentleman named XXXX said that as long as a company can give a name, address, and social they consider that validation, and he gave me your information, because he said that is the same information that is used when stealing an identity.
Consumer complaint received 2020-06-01
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: Experian Information Solutions Inc. (CA)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, all of this account reports a {$0.00} balance and {$0.00} past due. Second, this account is currently being coded as an I5. This account should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.