davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

On XX/XX/2024 I got an email from XXXX XXXX  around XXXX about a $ XXXX transfer that was in process. I attempted to call them, but my phone did not have a dial tone, I assumed due to the XXXX XXXX XXXX. I used my fiancs phone, only to find out over $ XXXX was in the process of being transferred out of my account. I was able to visit my branch to stop the transactions, close the accounts, and I switched banks. I visited XXXX and found out I was a victim of a sim-card scam. I changed carriers, got a new telephone number, and phone. I attempted to check my Experian credit file and the individual changed my email address, my secret answer to the street I grew up on to " XXXX  '', opened a " XXXX Checking account on Experian, was issued a debit card in my name, put my XXXX XXXX  account XXXX on the fraudulent account to use for transfers, and had applied to over XXXX credit cards that were approved. I visited the local police dept to get a police report and supplied this to the Bank, Experian, and XXXX to supposedly launch an investigation. When they finally let me into my account, I called all the credit card companies to let them know the applications were fraud and they were closed. Since XX/XX/2024, I've made many calls to Experian and keep being transferred to different departments. A rep in the fraud department was able to assist me with changing my email address and password to my Experian account but said they will not allow me to update my telephone number or security question without talking to " membership ''. Membership said I have to wait 90 days to change my telephone number because I just closed their XXXX XXXX Account, the fraudulent account. Now, when I open the Experian account the two-factor code system sends a code to the telephone number that was hacked. Because of this, I am not able to turn the hacked telephone off and am paying two carriers. I called Experian today and was transferred to 5 different departments and all are saying I cant change the number for 90 days.
Consumer complaint received 2021-08-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NY)

I have never done an ounce of business with this company and they put a collection on my credit report! 

I had a medical bill for {$140.00}. I tried to work with XXXX to resolve the billing issue but they never picked up their phone or responded to my letter. I was under the impression my insurance would be covering the bill. This got me no where IN THE MIDDLE OF A PANDEMIC. 

I applied for credit about a year later and was denied. This third party who I have never heard of put a collection account on my credit report. I paid the bill so they would take it off my credit report and I would work out the issue on my own with the insurance company. Instead, they left the account on my credit report. 

When I called the collection company, they told me they had called from a unknown number, didn't leave a voicemail, and they mailed me. I did not receive any of these calls or letters. They should have taken the insurance company to collections, not me. XXXX twisted my arm to pay a bill I do not owe by putting me in collections. If this item is not removed from my credit report, I will pursue further action. 

This item needs to be removed from my credit report immediately!
Consumer complaint received 2019-11-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

I am currently dealing with an insurance claim from when my home was hit by a hurricane. My husband and I had to hire a public adjuster to get us the amount of money needed to fix the house. The public adjuster charges a fee of 10 % for this service and has you write them a personal check for the fee when they endorse the insurance check. Mr. Cooper endorsed and sent back all our previous checks with no paperwork needed but are refusing to do it with this one until we submit to them contractor paperwork. This is not an issue, but they are also refusing to release the portion of the insurance check I need to cover the personal check I have written to the public adjuster, putting a financial hardship on me because I am now in a position of bouncing a check and overdrafting my account. I also believe this is technically theft Mr. Cooper 's part since the public adjuster was included as a payee on the check and since they will not release the money to me that I need to cover the check I have written them or pay the public adjuster themselves, they have stolen the public adjuster 's portion of the proceeds. I have talked to them several times about releasing to me the money I need but the will not.
Consumer complaint received 2019-08-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/XXXX XXXX XXXX XXXX XXXX sent a wire transfer through XXXX XXXX XXXX  to USAA Federal Savings Bank with a copy of my voided check, wire instructions and a copy of the Receipts and Disbursement Ledger in the amount of {$42000.00}. This was money I received from the sale of my house in XXXX XXXX XXXX Florida. At the time of closing I was not present due to a job transfer ( XXXX ) on XXXX XXXX XXXX, from Florida to XXXX XXXX CA. Immediately upon arrival I began preparing for XXXX to XXXX and I had forgotten about the money and I fell ill. I had two major XXXX. Years passed before I remembered and tried to recoup my money but USAA says they have no record after 7 years. My name on the check was XXXX and I had gone through a divorce in XXXX but had not changed my name on the account. The information tired to that account should've matched my present account and there was never a lapse. I've been a constant member of USAA for over 17 years. I will attach a copy of the " Receipts and Disbursements Ledger from the XXXX XXXX who closed the sale, a copy of the Outgoing Wire Request Form and a copy of the Voided Check with my name and account number. If you have any questions do not hesitate to contact me. Please help me get my money.
Consumer complaint received 2019-08-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MT)

I sent a letter to XXXX XXXX ( Wells Fargo ) on XX/XX/XXXX. I received a reply XX/XX/XXXX from XXXX XXXX. One of the key complaints in my original letter was " Account removed from review XX/XX/XXXX '' and a related paragraph labeled " Customer Service ''. I do not feel Ms XXXX addressed this satisfactorily since she did not deny their representative, XXXX XXXX, did not respond AT ALL to my questions on the loan modification contract which was the turning point in my ability to get a modification. I had made the trial payments on time and would have signed a modification if my questions could have been answered. I feel that Wells Fargo owes me a new modification. 

In addition, in an earlier letter dated XX/XX/XXXX, Ms XXXX referenced the inability to make anything but full payments during the modification process. Specifically, their system would not allow the payment I wanted to make in XX/XX/XXXX and more generally, she suggested full payments be made in the future to prevent any issues. I would like Wells Fargo to correct my credit reporting history of late payments during the modification process since I feel this was an issue with their system and not my lack of financial cooperation. This has REALLY destroyed my credit and my ability to refinance locally.
Consumer complaint received 2019-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc. (CO)

I paid XXXX XXXX XXXX XXXX remaining balance later on they said I still owed them more money, I told then explained to them that I paid off my remaining balance. I have the emails from when I paid my bill online. They said the balance that was on there was not the correct. I have tried many times to tell them that no I had paid it off. They keep insisting that I have not. From then on they have charged me more interest.
Consumer complaint received 2019-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (PA)

Experian Report # XXXX for XX/XX/XXXX shows XXXX XXXX services on that report in which payments were made and account is paid off and closed. 
Experian report # XXXX for XX/XX/XXXX does not show XXXX XXXX XXXX as if it's been deleted by Experian for no reason after I made payments on time and the original credit amount {$3200.00} was the original amount. I also want to no why an account just open XX/XX/XXXX paid payments was deleted and for what purpose. I'm also filing a consumer US Attorney office complaint on Experian reporting and how it effects one credit not reporting creditors on time and trying to say it them when it's Experian not updating things for months and other issues adding address of duplicates address of more address or the wrong employee. I have reports going back for over 18 months with the same issues added address wrong employment and various other issues that takes Experian too long to clear up after the creditor done mail me the copy and replied back to the CFPB, FTC, and other agency that I filed on Experian practices. Experian always has some lame excuse some computer generated XXXX as a reply with noting justified or or documentation to back up the response.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-03
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. (OK)

XXXX has not only failed to respond to dispute letters which I have proof of sending, but now they have failed to respond to a CFPB complaint within the 60 day time limit. Please remove account from my credit report.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

I have a bankruptcy reporting on XXXX, equifax and XXXX. First of all it is illegal and against the fcra for anyone to report anything without my permission. A bankruptcy does not belong on my report because I didn't give permission. The bureaus are violating my privacy rights. I asked for debt validation of this alleged bankruptcy and received that it was validated by the US bankruptcy court. I contacted the bankruptcy court and was informed that they do not validate with any credit bureau.
Consumer complaint received 2020-05-29
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. (CT)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF ED/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. 
Company Inquiries 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 2017-09-20
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. (VA)

My personal information may have been compromised in the Equifax security breach earlier this month. In today 's world it is basically impossible to make major purchases without developing some sort of credit history. Essentially consumers are forced into using credit cards, and therefore divulging personal information to 3rd party companies such as Equifax. There should be certain safeguards/security in place to protect this data. This was not done for millions of people and that is wrong.
Consumer complaint received 2023-01-11
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (MD)

Rash Curtis and Associates are reporting that I owe {$530.00}. The account was opened on XX/XX/XXXX. Initially, there were three separate accounts that Rash Curtis was reporting that I owed. I submitted a Dispute on XX/XX/XXXX. Which resulted in them removing two of the three accounts but they are still reporting that one account is accurate. This account is inaccurate and I would like it removed from account as soon as possible. I believe Rash Curtis is reporting on behalf of XXXX XXXX in XXXX, CA. If I were ever a patient there, I would have had valid health insurance. I believe theyre are trying to double collect on a bill and it is unjust.
Consumer complaint received 2021-09-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (SC)

We closed on our mortgage on XX/XX/2021 and the closing attorney wired the funds to our servicer the next day. Two weeks goes by with no contact and Rushmore returns the funds back to our attorney. Our attorney tried to resolve the issue however Rushmore would not speak to them even though I did sign an authorization release form I called on Thursday XX/XX/2021 Rushmore and they stated they needed to send a new payoff statement. Finally received the letter on Tuesday XX/XX/2021 of which my attorney wired the money again. 

{$250000.00} showing on the payoff letter received dated XX/XX/2021, {$250000.00} wire sent. 

Called Rushmore today, XX/XX/2021, loan still not paid off, showing delinquent on their website and no call from them. As of now they still have to call me back. Not resolved.
Consumer complaint received 2021-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (UT)

Navy Federal Credit Union is reporting erroneously on my credit report. I recently took a look at my credit and noticed that the two accounts I have with them are appearing as closed accounts. I was very confused, as I never closed these accounts and no one told me that they would close my account. I continue to make payments on this account, and this has been open for years. If these accounts close, they were done so erroneously and I ask that they please bring them back into open status and current status as I ask that they remove the XX/XX/21 late. I have been a long time customer and I ask that they please fix the mistakes on my credit.
Consumer complaint received 2021-04-03
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. (PA)

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have a bankruptcy reporting on XXXX, XXXX and transunion. First of all it is illegal and against the fcra for anyone to report anything without my permission. A bankruptcy does not belong on my report because I didn't give permission. The bureaus are violating my privacy rights. I asked for debt validation of this alleged bankruptcy and received that it was validated by the US bankruptcy court. I contacted the bankruptcy court and was informed that they do not validate with any credit bureau.
Consumer complaint received 2019-03-09
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: DISCOVER BANK (GA)

I have a loan with DISCOVERBANK and XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and DISCOVERBANK and XXXX XXXX  with no successful resolution. XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2020-05-29
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. (SC)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts.. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX   XXXX XXXX XXXX XXXX  XXXXXXXX
Consumer complaint received 2021-08-16
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TOYOTA MOTOR CREDIT CORPORATION (NC)

I, XXXX XXXX entered into a consumer credit transaction with XXXX XXXX on XXXX XXXX 2020. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX XXXX took cash. The finance charge is suppose to include insurance, but XXXX XXXX made me purchase my own insurance separately.
Consumer complaint received 2021-09-20
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. (LA)

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF AND ACCOUNTS THAT DONT BELONG TO ME. A LETTER OF EXPLANATION IS ENCLOSED.
Consumer complaint received 2021-04-03
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: Possible Financial Inc (OH)

Looking over my credit report I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). Following accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX
Consumer complaint received 2019-03-09
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. (MI)

This is starting to get very upsetting. XXXX XXXX XXXX has erroneously stated that an account from XXXX is included in a bankruptcy that does not exist!!!! My bankruptcy was discharged in XXXX before I ever even HAD a XXXX XXXX account. This company has brought my score down 29 points because of this erroneous reporting on my XXXX and XXXX credit reports. I ask that this account be removed from my credit reports immediately