davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Is been a year since I send my first letter to Experian for them to delete addresses and names that appeared on my credit report and as of today XX/XX/2022, they have not deleted anything. I have also made several complaints here and CFPB is done nothing. Where else do I need to complain?
Consumer complaint received 2023-02-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NY)

A money transfer was completed into PayPal Business. However, the money was not transferred as per the business to business agreement by check to the bank. The money was requested electronically and by check. All attempts failed. The customer service division of PayPal indicated that the account had daily spending and withdrawal limits which were incorrect. The account is a merchant account and has never had withdrawal limits. The screenshots reflect there are no limits. In addition, data information was requested electronically to the website. Furthermore, when logging into the account the merchant is being prompted for a mobile phone number. The phone number has been on the account for well over a year. This happens continuously. The merchant requested that customer service explain this discrepancy, but was provided incorrect information. Per PayPal the conversations regarding these incidents were recorded. PayPal has refused to provide all of the data on the account as requested. PayPal has refused to send the money by check to the merchant 's bank. The PayPal account has had numerous technical issues since XX/XX/2022.
Consumer complaint received 2023-01-26
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. (MD)

This is my numerous request that you correct this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-11
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. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Experian Credit Bureau is expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-01-26
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. (NJ)

I have a Fraudulent Account on my credit reports for XXXX, Equifax, & XXXX I have disputed this account multiple times. 

Fraudulent Account : XXXX XXXXXXXX XXXX Account number 00 Date opened XX/XX/XXXX Open/closed Closed Status Charge-off Past due amount {$400.00} Fraudulent Account : XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status 60 days Late Past due amount {$0.00}
Consumer complaint received 2021-04-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

In XX/XX/XXXX I reviewed my statement and discovered that several thousands of dollars in fees had accumulated in a separate balance on my mortgage account. Those fees were not reflected in my outstanding balance so I never noticed they were present until I checked my statement. After reviewing the fees, I discovered that I was being billed for electricity and several property inspection fees as if my home was in foreclosure, but my account was current and a tenant lived on the premises. An investigation revealed the mortgage company, which at this time was Ocwen, called my electricity servicer, XXXX XXXX XXXX XXXX and XXXX, removed my tenant 's name from the electricity bill, and billed me for those fees. Those fees accumulated in this separate balance for several years dating back to XXXX. I also discovered that I was billed property inspection fees, trip charges, etc. The current mortgage servicer, PHH Mortgage, has refunded some of the utility fees dating back to XX/XX/XXXX, but I have disputed an additional two years of fees. This dispute has been ongoing since XX/XX/XXXX and PHH mortgage has been very slow in remedying the issue. The mortgage company had no right to intervene in my affairs.
Consumer complaint received 2022-04-05
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. (AR)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Norwich Commercial Group, Inc. (ME)

I had a mortage with XXXX XXXX for 3 yrs and never had one late payment, last yearI was refiancing and told by the lender I was working with not to pay XX/XX/2019 payment because it was included in the loan payoff. The entire loan was paid off on! XX/XX/2019 in full and then XXXX reports me as being late on my payment. 
I have had no success with XXXX XXXX removing the mark from my credit report XXXX XXXX
Consumer complaint received 2021-03-05
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4000.00}.

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. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account.
Consumer complaint received 2018-07-14
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (MD)

This is the second complaint I put in. They responded and said they checked my credit reports and that's how they determined to decrease my limit. THEY ARE NOT ALLOWED TO PULL CREDIT WITHOUT MY AUTHORIZATION. I NEVER AUTHORIZED THEM TO DO SO. 

XXXX XXXX lowered my credit limit from {$1100.00} to {$800.00}. I brought my balance down below 30 % to improve my credit. Once I did that, they lowered my limit down to {$800.00} so my balance would reach my credit limit and bring score back down. My score dropped significantly by 16 points. It should be illegal for creditors to be allowed to do that on occasion. It destroys the consumers credit history and livelihoods. They need to increase credit limit back to where it was so it will show at 30 % bellow statement balance again so score can go back up!!!
Consumer complaint received 2019-10-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC (SC)

On XX/XX/2019 my mortgage was transferred from XXXX XXXX XXXX to CMC Funding. XXXX XXXX XXXX transferred to CMC {$2100.00} Escrow balance. 
The loan principal balance was {$220000.00}, reduced by the additional principal of {$150.00} and from 2 mortgage payments. However, when I received my statement from CMC Funding the escrow amount was incorrect. The statement showed that my escrow acct is {$1200.00}. XXXX however XXXX XXXX transferred over XXXX. I have called on several occassions and sent emails, including XX/XX/2019 and talked with a representative # XXXX. CMC sent a letter on XX/XX/2019 stating that they were looking into the matter. I have not heard anything from them and I tried calling today XX/XX/2019 and was not serviced.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (CA)

I am outraged that Experian is using their recent security breach as an opportunity to market credit protection services to me. If they are so sloppy and careless about protecting consumers data, why should I trust them to provide a value added service? Have they already been selling consumers identity information to criminals? Are they planning to compromise the information of the XXXX milliion XXXX consumers who do n't pay the ransom? Please begin an immediate investigation into Experian and prosecute any and all executives involved on criminal activity or conspiracy.
Consumer complaint received 2023-01-26
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. (MN)

I have a closed account that was charged off over 8 years old through XXXX but is still being reported on my credit report. I have filed several times to have it removed. XXXX did but XXXX and Experian have refused to remove it. Please help.
Consumer complaint received 2021-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I made.a payment of XXXX dollars to my capital one credit card on XX/XX/XXXX. The money was taken out of my bank account and has posted on both my bank account and capital one account. Capital One has put a hold on my card though until the Friday the XXXX, even though they already received my money.
Consumer complaint received 2017-08-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: WELLS FARGO & COMPANY (MD)

Was never notified that Wells Fargo had decided to decrease my line of credit from {$7500.00} to {$5700.00}. Logged in to my banking today and found that after having this account for 4 years and never missing a payment that had decreased my limit. When I called about it I was given the run around, and told it was because they had " received a soft copy '' of my credit report and it stated that I had open to many accounts recently and that I had to many inquiries on my credit. I found this to be pure lies because I have opened no new accounts and not let anyone run my credit in almost 1 year. They said well they use XXXX, which again I found to be lies because I have credit monitoring with XXXX and had just paid for a copy of my credit report to see the status of a fee accounts I recently closed and paid off ... The Wells Fargo representative said they would gladly run a full credit check, i.e. try and substantiate the very lie they are telling stating I have had my credit run this year and / or to many times. Why on earth would anyone let them run their credit again when they have already had the account for over 4 years. Or why would someone let them run their credit after a representative just got done stating you have to many inquiries on their credit. Either XXXX credit monitoring and credit report is lieing or Wells Fargo is utilizing unethical and illegal practices to attain credit information on individuals. Additionally, their management customer service representative became rude and ignorant and more concerned with getting me off the phone than fixing the situation.
Consumer complaint received 2022-10-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and Equifax credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$960.00}
Consumer complaint received 2020-05-16
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: EQUIFAX, INC. (TX)

I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft. 
XXXX XXXX XXXX {$160.00} XX/XX/XXXX XXXX  XXXX XXXX   XXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX {$790.00} XX/XX/XXXX
Consumer complaint received 2024-02-22
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)

I thoroughly reviewed again my credit report and I can still see the fraudulent items that need reporting and correction through your company. The List of items below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2021-09-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation (GA)

Prior, I made a complaint within 30 days of application with Fairway Mortgage Company for racial steering, redlining, lending discrimination. The complaint was made through CFPB portal and is currently under investigation by HUD. 

The complaint being made today, is a complaint for a second violation which occurred after the previously mentioned violation. Said mortgage company did not provide a letter of adverse action as required by the XXXX. XXXX XXXX of Fairway Mortgage Company verbally denied my application for credit purporting that I did not meet XXXX qualifications to live in the property. She purported that the developers only accepted XXXX conventional loans. She alleged she did not know the specific reasons for denial when questioned during our conversation on XX/XX/2021 and again XX/XX/2021. 

Application date was XX/XX/2021 and I have yet to see an adverse action letter providing verifiable reasons for denial. I believe that the company did not send a letter of denial because the claim that I did not qualify for XXXX XXXX was a false claim and was verbally offered in an attempt to racially steer me from the community I was interested in purchasing a home in ; it was verbally offered so that there is no record of the false claim because such claim would be evident by XXXX XXXX. 

Again, this a claim of a ECOA ( Reg B ) violation which has not been raised prior. I need an explanation as to why this company violated my rights to receive a written letter of denial.
Consumer complaint received 2023-01-26
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. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-04-26
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)

I disputed to have a three bankruptcies removed from my credit report. The third party verifier stated in writing that they could not verify the information and removed it from their files. The credit reporting agencies continue to state verify as accurate even after I sent them a copy of the letter.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2022-04-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

I XXXX XXXX, made an international wire transfer of USD XXXX from HSBC USA on XXXX of XXXX. It has been mentioned in the receipt that money will be paid to beneficiary until XXXX XXXX. 
Wire Transfer Details : Confirmation Code : XXXX Transfer Type : International Wire Sender : XXXX XXXX Transfer Date : XX/XX/2022 After making the wire transfer I called to HSBC USA on XXXX XXXX onwards almost every alternate day. But until XXXX of XXXX the money has not got transferred to the beneficiary. 
I kept on calling HSBC XXXX even after XXXX of XXXX and the only status they told me is money on hold. On XXXX XXXX when I was again calling HSBC USA the representative said they need some information, so I provided information. 
I kept on waiting for the transfer to happen but to no avail so I requested to cancel the Wire transfer on XXXX XXXX. I kept on calling continuously for the update on cancellation but none of their representative give any reply other than Money is with HSBC XXXX. 
When i ask for the status they don't even have proper call logs or notes to even check the last status. 
I am feeling highly stressed, this is a big amount for me. HSBC USA is not even returning my money and playing blame game that we don't have any information as the money is in HSBC XXXX. 
I gave my money to HSBC USA and they should return my money on cancellation as this has been so many days they are holding up my money for no reason and earning interest on my hard earned money and not taking any prompt action for refund. I am following up and they are not doing any needful action. I have invested tons of hours into this but HSBC USA have created a joke of my case. 
Its creating so much XXXX, XXXX and XXXXXXXX XXXX on me and my family. 
I am looking forward for your help to resolve this matter and help me get my Wire transfer money back to me as soon as possible.
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (MD)

The account for this creditor has been paid off since XX/XX/2019. As a part of the pay-off agreement, the account trade line was to be deleted as of a result of inaccurate reporting of late payment status. It has been almost two years and the account tradeline has not been deleted