davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NH)

I have sent Experian two letters to dispute 2 accounts that they have reported inaccurately. The first was sent XX/XX/22, the follow up was sent XXXX It is now XXXX and I still have not received a response, nor have they corrected these two accounts. 

They are reporting inaccurate payment statuses on both accounts. 
XXXXf- is a closed and paid in full account- they are reporting the payment status os " late 60 days '' which is not accurate- The payment status is to be the CURRENT payment status. Ive asked them to correct this to show Current of paid as agreed. the two year history that is older than two years old needs to be removed also. 

XXXX XXXX is a closed and paid in full account- they are reporting the payment status os " late 30 days '' which is not accurate- The payment status is to be the CURRENT payment status. Ive asked them to correct this to show Current of paid as agreed. the two year history that is older than two years old needs to be removed also. 


Ive included both letters sent as well as a copy of my credit report for both accounts.
Consumer complaint received 2023-01-30
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)

I am reaching out to XXXX and Experian regarding deleting these inaccurate addresses and inquiries from my credit file I have attached the documents you guys asked for now please delete the inaccurate information. 

Inquiries from XXXX / XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX addresses from Experian/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX  XXXX
Consumer complaint received 2021-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX is reporting an unknown payment for XX/XX/2021. I have a statement showing that I made payment in XX/XX/2021. They also reported that I have a payment increase in XX/XX/2021 for {$340.00} even though I paid the lease in full in XXXX and settled the account. Not in XX/XX/2021 as indicated.
Consumer complaint received 2024-02-21
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. (FL)

I recently reviewed a copy of my credit report. I was shock to learn I have been a victim of identity theft. I found an account on my credit report that was not opened by me. This has been hurting me as I am in the process of buying a home for my family. please remove this fraudulent account off my credit report as soon as possible.
Consumer complaint received 2022-09-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Upgrade, Inc. (NY)

Charging fees for late payments when an automated payment failed for no reason. Money was available in the account they were drafting from and a PDF Print Out from my bank showed the available balance and their fee. They continue to claim they don't see the money being charged against me and can't explain the fee.
Consumer complaint received 2018-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

I have a loan with WFHM. 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, XXXX and WFHM with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX.
Consumer complaint received 2020-07-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (TX)

From the probate cases starting in XX/XX/XXXX, the loan has been sold four ( 4 ) times to other loan servicing/Lending companies. Throughout each sale of the note I've been fighting to not only stop foreclosures but have not even be acknowledged by the lenders as the Owner of the property which I was granted through a Affidavit of Heirship. 

From the Probate Hearing as far back as XXXX, XXXX XXXX XXXX represented each Lender and failed to maintain commitments at court discussions allowing me the Owner to conduct the business of the mortgage, including collecting payoff quotes, establishing payments and disputing charges. 

Approximately, in XXXX of XXXX the Substitute Trustee XXXX XXXX XXXX of XXXX XXXX  representing the current Lendere Planet Home Lending , LLC received an offer from my lawyer XXXX XXXX at a reduced amount from the payoff. Mr. XXXX as seen in the file named " Delayed Response '' did not respond to the offer. It was common practice to deliver responses so slow that when we received them such as in payoff quotes the quotes were expired. All of this activity was under the distress of threatened foreclosure. Prior to this date, I had Buyers lined up and my efforts were ignored. 

Within this struggle, approximately in XX/XX/XXXX, I empowered XXXX XXXX and XXXX XXXX, agent in the amount of {$2000.00} ( proof of payment available upon request ) to file a Qualified Written Request on my behalf with the intent to stop the foreclosure, bring the loan current and sell the property. As you see, by the file attached named " LOI & QWR ''. These individuals did not engage with any result. In fact, I can not validate that they even sent the third party authorization form to the Lender. 

As of this afternoon, when I tried to reach my point of contact at Planet Home Lending , LLC " XXXX '' in the loss mitigation department. I was informed that I am not authorized to receive information on behalf of the Borrower, my deceased Uncle. Please see the attached file named " Special Warranty Deed '' which identifies me as the rightful property owner which was also prepared by XXXX XXXX XXXX dated in XXXX. 

All-in-all, every time I get close being recognized as an authorized party to the Loan, it gets sold to another Lender who then starts the foreclosure process all over again. I have spent over {$10000.00} in legal fees and other costs just to get recognized as the rightful Owner and the authorized person to pay the mortgage.
Consumer complaint received 2022-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A. (TX)

On XX/XX/22 check # XXXX was made payable to XXXX XXXX XXXX, XXXX for XXXX for our monthly rent payment. This check was mailed on XX/XX/22 to XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, WI XXXX from our office building drop in locked was mail box. I received an email from XXXX XXXX asking/stating they had not received payment. We looked in the business online bank account and saw that a check was cashed on XX/XX/22. Digging further, we pulled up an image of the cancelled check and saw that the check had a different payee ( XXXX XXXX ) with a New Jersey address. The date of the check, the dollar amount and signature were the same as the original check. We decided to contact our bank representative as this was clearly fraud. We contacted him on XX/XX/22 and he notified us to contact the fraud department. We immediately contacted them and they emailed an affidavit to complete. This was completed and returned to them via email on XX/XX/22 and then were given a case number. We also contacted our local police department and filed a victim statement of fraud. The detectives research found that the fraudulent check was deposited at a XXXX XXXXXXXX XXXX in XXXX, NJ. The detective shared his findings with PNC bank. We have been told by PNC bank that this is a counterfeit check, however PNC entered it as an altered check and this may be why it was held up. She admitted that the bank made the error. This was on XX/XX/22. That day we then filed a complaint with the OCC. A PNC bank representative called the office the next day and twice since then to only tell us that they are still investigating the issue. This has been ongoing since XX/XX/22, more than enough time to have investigating the issue as the police detective got a confirmation of check fraud within weeks. 6 months of receiving the same answer from the bank.
Consumer complaint received 2020-08-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of America Ltd. (TX)

I contacted Collection Bureau regarding a debt I allegedly owe and request validation of that debt. I sent the letter by certified mail to make sure they received it and they did ; it was received in their office on XX/XX/2020 with certified mail # XXXX XXXX XXXX XXXX XXXX. To this day, XX/XX/2020 XXXX XXXX has ignored my request despite it being 75 days since they got the letter. They have not proved this debt.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I urgently request the removal of this erroneous late payment from my account. My payment history reflects a pattern of punctuality, and this entry is causing me undue stress and concern. I ask that you rectify this mistake promptly by updating my account.
Consumer complaint received 2022-09-12
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. (VA)

The credit bureaus stated my account was properly investigated but, how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date reported is inaccurate.this is grounds for removal. They also violate my rights under 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 : states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (CA)

Chrysler Capital Accounts # XXXX This account has been paid and closed since 2019 but my XXXX report is still showing that it is open with a balance. How can this be? XXXX XXXX XXXX are reporting the account closed. This inaccurate information is preventing me from getting the credit I deserve and it needs to be removed immediately!
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I urgently request the removal of this erroneous late payment from my account. My payment history reflects a pattern of punctuality, and this entry is causing me undue stress and concern. I ask that you rectify this mistake promptly by updating my account.
Consumer complaint received 2021-11-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp. (FL)

I saw a collection account on my credit from Absolute Resolutions. I don't know where this debt came from. It is XXXX. 
I sent a validation request to this agency many times and they won't send me anything. This is wrong and against the Law Please help me with this matter
Consumer complaint received 2018-06-22
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (CA)

I settled this debt back in XX/XX/2012 and now another company is attempting to collect on this debt. Threatening to sue me and take me to court. I contacted Convergent and they confirmed verbally this debt was settled and closed. But will not provide me documentation stating the debt has been settled and closed.
Consumer complaint received 2022-09-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: DISCOVER BANK (AZ)

I had fraudulent charges to my account in the amounts of XXXX, and 2 charges for {$27.00} on XXXX XXXX. Now more than 90 days later my provisional credits have been reversible putting my account into the negative. I did not make the changes I disputed. I was not notified that the charges were going to be reversed. I want my money back and the account closed. Im tired of having issues with my account that are not being resolved. I want this corrected for good and the account closed.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

In accordance with the Fair Credit Reporting and XXXX XXXX  # XXXX has violated my rights. 

15 USC 1681 section 602A states i have the right to privacy.

15 USC 1681 section 604A also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

Contacted Experian, XXXX, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX2020 via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Consumer complaint received 2017-08-23
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. (NC)

Well over 2 months ago, I contacted the credit bureaus to correct an error on my credit report. XXXX XXXX responded a long time ago, removing the error. Unfortunately, I have not heard anything back from Equifax or XXXX yet ; despite several attempts to follow up.
Consumer complaint received 2020-07-18
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. (TN)

I sent an Express Mail on XXXX XXXX2020 to Experian using the United States Postal Service to request a Method of Verification on a Dispute Results which I received on XXXX XXXX,2020 on File Number XXXX on a Collection Account by XXXX XXXX Account Number XXXX 

The Collection Account Displayed a Balance of {$450.00} and a Past Due Amount of {$450.00} which is an Inaccuracy Negative Information Reporting ...
Consumer complaint received 2018-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

My son moved to XXXX several years and terminated a phone contract with XXXX - he was told there would be no early termination fee after he went up the chain of command at XXXX because he was leaving the country. We received no bills after that. In 2015 I had a credit check done and a delinquent bill came up to XXXX in the amount of {$100.00} ( evidently they did end up charging him/me an early termination fee ). I called XXXX, told them we were not even aware of bill and I immediately paid it to resolve issue. This week in the process of buying a car I saw this issue is still on MY credit report. I disputed it with XXXX and after checking with XXXX they kept it on report. I then called XXXX ( where I am a very loyal customer ) and they stated there is nothing they can do to remove it from my credit history - that I will have to wait the 7 years?! Do I have no recourse? How do I get this removed from my credit history - I had no awareness of bill, no communications - and neither did my son for that matter. Thank you for any assistance you can provide.
Consumer complaint received 2020-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Contacted XXXX, Transunion, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX2020 via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Consumer complaint received 2016-02-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CASH AMERICA INTERNATIONAL, INC. (TX)

XXXX keep sending me letters, saying I owe them money for ( Cash America ) I do not owe them anything, and do n't even know who they are! Oh, and they ca n't provide me with any information I request and then hang up!! They are trying to scam me and other people, making them believe they owe money!
Consumer complaint received 2022-09-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/XXXX XXXX placed an order for buying XXXX XXXX for a sum of {$57.00} through PayPal and I never heard back form the fraudulent seller! I contacted PayPal in this regard and unfortunately they told me the transaction was made through " personal '' not " purchase '' transaction and they can not help with that! This is very frustrating for me because I am the payer told them it was for " purchase '' and the fraudulent seller made some trap in the payment to make it recorded as " personal '' and PayPal should block such frauds to happen through their website. The information of the seller is given below : PayPal XXXX ID : XXXX Date : XX/XX/2022 Amount : {$57.00}, Paid with : XXXX  XXXX XXXX ( XXXX ) Seller info : XXXX, XXXX XXXX XXXX See attached file.
Consumer complaint received 2022-09-12
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)

On XX/XX/XXXX a credit report was ordered by XXXX  XXXX XXXX from a unknown person for a XXXX XXXX Credit Card. The application was made containing my name, DOB, SSAN, and home address, all information correct however the application DID NOT COME FROM ME AND IS FRAUD. Credit alerts and freezes have been implemented, notifications have been made and the credit card WAS NOT issued
Consumer complaint received 2021-09-02
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. (MS)

Someone applied for a credit card with XXXX XXXX  in my name. I have been going back and forth for 7-8 months now. I did nto apply for this credit card and I am not using it. Someone must have access to my social number other than me. The person is using the credit card that I never applied for. It is a XXXX XXXX  credit card with {$1000.00} credit limit. Experian has been reporting this on my account for 8 months now and I tried to dispute with XXXX, but they keep saying that is me. I have perfect payment history and have other credit cards on my report. I would never apply for a credit card with such a low limit.
Consumer complaint received 2024-02-21
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. (GA)

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX : XXXX, DEPT OF ED / XXXX : XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2020-07-18
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. (AL)

Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX,2020 via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.