davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is the second dispute attempt to have these miscellaneous accounts removed from my credit report. These accounts were never verified according to the FCRA guidelines 623 & 611. I intend to pursue litigation in accordance with the FCRA, to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 ; if the UNVERIFIED items listed below are not deleted immediately. Please remove the following accounts : USBK COURT XXXX OHIO Docket # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX   # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX # XXXX XXXX These accounts are not accurate.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I was a victim of the XXXX Data Breech and my personal information was compromised. 
There were two accounts reported on my credit report - one from XXXX XXXX and the other from XXXX XXXX that were opened as a result of identity theft. I had notified both companies and sent them police report and FTC Fraud report number and asked them to delete the information. They have not. 

I contacted all three credit reporting agencies - XXXX XXXX   and Transunion and provided them the police report details as well as the FTC report. They have not deleted those off my credit report as of now. I filed the identity theft report with the credit bureaus in XXXX towards the end. 30 days have passed and XXXX is saying that the debt can not be removed because it is valid. Of course, it would appear to be valid if my identity was compromised. I did not open those two accounts. The Federal Trade Commission has advised me to file a complaint with the FCFB. As of this moment, I have heard from XXXX but have not heard from Transunion and XXXX.
Consumer complaint received 2020-08-03
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)

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. DEPTEDXXXX XXXX {$6000.00} DEPTEDXXXX   XXXX {$3000.00} DEPTEDXXXX XXXX {$6000.00} XXXX XXXX {$4500.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1000.00} DEPTEDXXXX XXXX {$2200.00} XXXX XXXX   XXXX
Consumer complaint received 2021-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX by Capital One is not updating. Three months have gone by and I have kept my payments on time and current with capital one why does my score stay stuck if all my accounts are current and never late. I have 3 accounts with capital one all in good standing. 
2nd the Venture is paid in full. How is it that capital one charged off this account after it was paid. It had a XXXX  balance.
Consumer complaint received 2020-12-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (PA)

XX/XX/XXXX & XX/XX/XXXX First notices from the local school district tax office and county tax office that our XXXX real estate/school taxes were not paid. This was news to us since we put money into an escrow account to pay them and then send them the bill in the summer. We did not have any issues from XXXX but our mortgage loan servicer has changed numerous times. 

XX/XX/XXXX First contacted the school district tax office to inquire about our notices. First contacted the mortgage company to inquire about the tax notice from the school district. Company began " investigation '' into locating a check sent from our escrow account for the incorrect amount of {$1700.00} to an outdated tax address. Company told us they needed to wait to cut a new check until the old one was found. We gave the company the new tax address and new total amount due as of as of XX/XX/XXXX for {$2200.00}. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Now-delinquent XXXX real estate tax bill for {$3500.00} ( interest and fees accrued ) gets transferred to XXXX County Tax Claim Bureau who sends us a bill. We call the company and attempt to send them the bill via secure online email form. 

XX/XX/XXXX Notice of Return and Claim sent to us for {$3600.00} in unpaid XXXX real estate taxes. Company has us overnight mail copies of all tax correspondence to their office. Letter included listing all actions taken up to this point with correct tax address and recent bill amount. Phone call reveals that our escrow funds are being used to pay a bill with an incorrect Parcel Number. 

XX/XX/XXXX We received an email that we had an escrow dispersal for the same incorrect amount of {$1700.00} that was made last year. 

XX/XX/XXXX Tax sale canceled per court order but bill now {$3700.00} and still unpaid. Call to the company requires us to get on the phone on the other line to the XXXX County Tax Claim Bureau to figure out the total owed and where to send it. 

XX/XX/XXXX We received a check for over {$740.00} labeled " disbursement clearing '' ( I guess the extra money they were charging us for escrow this year ). 

XX/XX/XXXX I looked up my property on the Tax Claim Bureau website and see that the XXXX taxes are still unpaid despite many phone calls, emails and letters to the company. In the meantime, we received a notice that XXXX taxes are also now unpaid for the amount of {$2200.00}. 

Even during Covid, we did not stop paying our mortgage and therefore putting money in the escrow accounts needed to pay these bills. There is absolutely no reason these bills should not have been paid in full and on time. We have given the company all the information they needed and more to correct their errors and we are still receiving notices that nothing has been fixed. We really do not want to lose our home to a company that can not communicate with their customers or fix their mistakes.
Consumer complaint received 2020-12-11
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. (NJ)

IVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX SSN : XXXX | DOB : XX/XX/XXXX Equifax Disclosure Department XXXX. XXXX XXXX XXXX, GA XXXX I am outraged that your company continues to maintain a dismissed ( filed ) bankruptcy as confirmed on my credit report. This unconfirmed, unverified, and dismissed ( filed ) bankruptcy has stopped me from obtaining credit. I know for a fact your company receives information on bankruptcy from a third-party system known as a XXXX XXXX. The XXXX  XXXX  is inaccurate and incomplete since the XXXX XXXX  does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the  county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it is your company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from date of adjudication or date of order of relief. 
Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. 
Considering this does not require an investigation, I would appreciate an updated copy of my credit report showing no bankruptcy withing two weeks from the date you receive this letter. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (OH)

For the past 6 months I've been trying to get a credit line increase with AMEX. I've been a customer for over 3 years, my family for decades and even referred many others in who now have accounts with high credit limits. After seeing others receive such high limits I decided to apply for an increase my self not understanding why my limit is so low when I consistently use the card monthly, Always paid on time, and never issues with AMEX yet I was declined with their reason cited a derogatory account that never existed. I requested the account to be manually underwritten to which my evidence offered ( copies of my credit report showing I've never had a derogatory account ) was denied and I was told it's being declined even though their info is inaccurate. Fast forward to XXXX after their own Credit Bureau Unit team ( which no one told me they existed until today ) confirmed herself after pulling all 3 of my reports I have nothing marked as charged off or derogatory. She warm transferred me to the CLI team and explained that to them over the phone, to which the CLI team stated well " we're still declining for that reason even though it's inaccurate. '' Then I stated I'm filing a complaint with the CFPB because this is beyond ridiculous for the supervisor XXXX ( employee ID : XXXX ) to suddenly change the declination reason to usage of my AMEX card. He stated even though my card is paid in full every month, and I pay off my balance before using the card that month again ( I pay my card off after EVERY transaction ) that is also a reason for decline. So I'm being told I'm supposed to have this reward card for delta, I have to split my purchases monthly to earn my points because they're refusing to increase my credit limit for false reasons, then tell me I'm being penalized for working with the small credit limit I'm stuck at because they're refusing to rectify their wring. I've never had issues with AMEX before so it's very disheartening that it even came to this point of me filing this complaint. At this rate me and my family are just going to pull the savings account, credit cards, and stocks we have with AMEX I can't continue to support a business that has no regards for their customers.
Consumer complaint received 2022-08-13
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. (NY)

i have reach out to transunion about the wrong lnformation and pay history being reported incorrectly by department of education XXXX XXXX have i dispute this information on XX/XX/XXXX XX/XX/XXXX, and recently XX/XX/XXXX, and nothing is being done by transunion of violation my right by the FCRA. they are reporting a payment status of 120 days late as well as XXXX late payments from XXXX till XX/XX/XXXX incorrectly therefore should be deleted as in compliance with FCRA filed a cfpb complaint as well and nothing is being done
Consumer complaint received 2021-06-06
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Section 4021 of the Cares Act amends Section 623 ( a ) ( 1 ). of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ).

A furnisher of data to the consumer reporting agencies that allows its customers to defer payments, make partial payments, modify credit terms, or make other arrangements for its customers affected Covid-19 should not report the account as delinquent, but should continue reporting it as current, unless the account was delinquent before the Covid-19 related deferral or modification.

I have late payments on my report, I want removed because I am a victim of Covid-19 and legally Capital One should not have them there.
Consumer complaint received 2021-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

XXXX XXXX XXXX XXXX Pa XXXX Home : XXXX Cell : XXXX WELLS FARGO I have used this Wells Fargo website since XXXX when I bought this house for XXXX yrs. My mortgage monthly payments go through this website for more than XXXX yrs. It is by direct debit from my bank account at XXXX XXXX. I often check my statement when I have a chance or when Im not working. 


I always make a monthly payment of {$4600.00} which satisfies interest as well as principal on the XXXX of each month. However, while the payment shows up as {$4600.00} on XXXX XXXX records, XXXX XXXX  shows that {$5200.00} has been withdrawn monthly, from Wells Fargo, without my consent or knowledge. I have no idea where the extra money is going because it doesnt show up on Wells Fargos records.

Additionally, for the last 5 yrs I have paid extra payment to the principal, {$2000.00} to {$5000.00} each month. This has been encouraged by various Wells Fargo staff whenever I asked them. My understanding is when the principal reduces the interest must be reduced as well. To my surprise, because of Wells Fargos structure it is not that so. 


In the past, Wells Fargo added to my mortgage extra payments for XXXX XXXX, and later on accident and life insurance, without my knowledge nor agreement.I found out about one year later and talked to them about that, but Wells Fargo denied they did this. Later on, I made the official complaint to the Consumer Protection Agency. I did not get the money deducted from my account which is about {$560.00} plus interest for this period. 

Recently, although I have been fully insured for my home with XXXX and XXXX, Wells Fargo accused me of not insuring my home and they paid their own insurance which is more expensive and I had to deal with them for several months. Even now, in their statement the home insurance is still included and I dont know what happened with that. On top of this, Wells Fargo has added hazard payments of {$800.00} every month for about a year. It is an addition to my monthly mortgage payment. 


Wells Fargo deducted from my account hazard policy from XX/XX/XXXX up to now which amounting to {$6500.00}, probably more than that now. They never refunded me back. 


From XX/XX/XXXX {$400.00} extra principal payment XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$2000.00} XX/XX/XXXX - {$4000.00} XX/XX/XXXX - {$2000.00} XX/XX/XXXX - {$2000.00} XX/XX/XXXX - {$1000.00} These are according to my record from Wells Fargo website. My thinking is if I pay into principal, interest should be automatically reduced. 

According to Wells Fargo it is not that so. 


XXXX XXXX XXXX on XX/XX/XXXX urged the Federal Reserve to break up Wells Fargo, arguing a string of scandals at the financial titan puts consumer at risk. 

I am XXXX of the consumers a string of false statement and lying put me and other consumers at risk. 
Sincerely , XXXX XXXX XXXX XXXX MD
Consumer complaint received 2020-11-17
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)

READ THIS DESCRIPTION THOROUGHLY : I have already sent all my information from my ID and bills through certified mail on XX/XX/2020 to all these 3 major credit bureaus. They can check my complaint, then quickly within 1 day ( examples are below ) close my complaint case so quickly, but can not follow the FCRA law to verify the unverifiable, unauthorized, inaccurate, fraudulent negative accounts that are in my report. How are you ( Experian, XXXX  and XXXX ) as a company to look at my complaint so quickly, close my complaint so quickly, tell me MULTIPLE TIMES I need to send/mail my information you when I HAVE ALREADY SENT IT TO ALL 3 COMPANIES ( Experian, XXXX, and XXXX  XXXX. This matter is completely UNACCEPTABLE! 


XXXX  XXXX 's Response  We applaud your recent efforts to take charge of your credit. We want you to know were on your side, and were here to help support you on your path toward credit health. We recently received a request that contained your information, but it didnt appear to have been communicated by you or a properly authorized third party. 

( How are you as a company to tell me to verify myself and NOT check the CERTIFIED MAIL in XX/XX/2020 I have sent to all 3 credit bureaus of my current drivers license and utility bill, violating my rights. In violation of the FCRA law!!! ) STATUS Experian Company responded on XX/XX/2020 RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint on XXXX XXXX, 2020 through the CFPB Complaint Portal. We reviewed and considered the information you have supplied through the CFPB portal. Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. 

Again! ( How are you as a company to tell me to verify myself and NOT check the CERTIFIED MAIL in XXXX 2020, I have sent to all 3 credit bureaus of my current drivers license and utility bill, violating my rights. In violation of the FCRA law!!! ) REMOVE ALL MY INACCURACIES OFF MY REPORT!
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2021-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2021 I sent a letter to transunion regarding an account with XXXX XXXX  on my credit. I sent this letter by certified mail # XXXX its been more that 30 days and if theres no response the item must be deleted but yet this item is still reporting I attach copy of letter sent along with copy of receipt from usps that shows the certified receipt
Consumer complaint received 2020-11-04
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. (OH)

I have reached out to the credit bureaus ( all 3 ) on multiple occassions asking them to investigate this account XXXX  XXXX  XXXX  Acct # : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have asked them each time to investigate this account as it was not reporting accurately. However, they continue to not investigate nor are they putting in comments that i am challenging this accounts accuracy ( Disputing it ). 

Below are the issues that are wrong with this acct : 1. As you can see 2 of the 3 credit bureaus are reporting NO balance but XXXX  is still reporting a balance of {$2100.00}. How is this? How is this being reported as a chargeoff each month when i have no balance?

2. Acct Status : 2 show as derogatory and one shows as paid. This is a paid collection! 
3. High Credit : XXXX  shows a high credit limit of {$2200.00}. Experian shows a high credit limit of {$0.00} and XXXX  shows a high credit limit of {$2000.00}! How can this be if this is the exact same account? 
4. Credit Limit : XXXX and Experian both show {$2000.00} and XXXX shows {$0.00}? 
5. Comments : these are all different and NONE of the credit bureaus show that i have been challenging this! 
6. Date Last Active : XXXX shows XX/XX/XXXX, Experian shows XX/XX/XXXX and XXXX shows XX/XX/XXXX. How can this be accurate? 
7. Date of last payment : XXXX  shows XX/XX/XXXX, Experian shows XX/XX/XXXX and XXXX shows XX/XX/XXXX. 
8. Payment history : the payment history is inaccurate on this as well! 

How can this be? Isn't the information on my credit report ( good or bad ) supposed to be accurate, verifiable and truthful? I have been telling all 3 credit bureaus since XX/XX/XXXX that this account is inaccurate and that if they could not fix it with accurate info that they needed to remove it. 

I am attaching screenshots of the most recent screenshot of my credit report from XXXX where the account is still inaccurate!!
Consumer complaint received 2021-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (FL)

Flagstar bank is trying to charge a " property valuation fee '' to remove my PMI, though I have paid more than 20 % of my home 's original value. Flagstar bought my loan from another company, who did not have this policy in place. 

On XXXX XXXX, 2021 my husband sent the letter requesting PMI be removed. 

I called about 10 days later to check in. They had received my letter but not made a response, and said I would receive a letter. 

On XX/XX/XXXX, I called again. They emailed me the letter, whereby they asked for {$150.00} fee mentioned above. I verbally disputed this on the phone call and asked to see where I was obligated for this fee, as I had met my obligations by paying down 20 % of the original value. The clerk said I would receive a phone call from the proper department in 3 days. This phone call never came and they did not provide the original disclosures from the initial loan originator justifying the fee. 

It is unfair and unethical that Flagstar charge me for what I'm entitled to, and XXXX, to drag the process out, all the time collecting PMI after I asked to have it removed, which should have occurred on the XXXX statement.