davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-05
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: Experian Information Solutions Inc. (FL)

With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX / {$0.00} / XX/XX/XXXXXXXX XXXX XXXX  / {$0.00} / XX/XX/XXXX
Consumer complaint received 2021-04-27
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 writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.After praying not to suffer as a victim much longer so I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lending Club Corp (WA)

hello, I have a account for a personal loan with lending club and have located better loan with my credit union who sent out a payoff check to lending club. I called in on the XXXX of XXXX to put a loan payment extension till the XXXX of XXXX on file with lending club. I informed them I have sent a check to cover the total amount of payoff to them to be there before the XXXX of XXXX and to expect a call from me prior to the XXXX to verify payoff and to pay any possible unpaid amounts to close out the account. as of the XXXX of XXXX I was charged through automatic payment withdraw my monthly payment amount even though the company had received my extension and also my check for payment in full. I contacted the company to get my payment refunded and now am being told by the rep. and told would only be the same answer from a manager that there is nothing they can do, they admit its there error and that this payment shows to be in the over payment que already and no future payments due. however they are now causing my bank account to overdraft and are unwilling to correct there mistake and refund the money before 1-2 weeks out. I feel as this was intentional and is not acceptable for a financial institution to not be able to refund the amount taken in error in a timely manner. any help in this matter would be greatly appreciated ad possibly a fine or reimbursement for my personal banking fees due to there error seems fair. thank you.
Consumer complaint received 2023-02-06
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (TX)

GRANTED FORBARENCE FOR 6 MOS.DENIED REINSTATEMENT AFTER RECIEVING REQUESTED RECORDED TITLE, THIS THREW ME INTO A CASH PAY OFF WELLS FARGO REQUESTED, WELLS FARGO REFUESED TO PUT PMTS.OF 6 MO. ON BACK END, OR OFFER ANY PMT. PLAN.
Consumer complaint received 2021-04-27
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. (WI)

Experian continues to report false information and to claim that verification was done on two accounts listed on my credit report as collections. XXXX XXXX XXXX is an unknown company on my credit report. It appears they are a bottom feeding debt buyer and has falsely claimed that I am in collections with them. I don't know who this company is I have never had dealings contracts or applications with this company. There is nothing tying me to this company with my signature, never an inquiry as to obtaining their services and I have no account dealings with them. I have asked experience to verify and validate this company. They claim they have completed and investigation and have verified this account. They have not done any of the sort. This is fraud and this is destroying my credit report. I have no collections on my credit. All of my accounts are in good standing and Experian continues to perpetuate false reporting. I believe this is because of my race and because I am a single XXXX mother. This needs to be deleted. Also regarding XXXX financial. They continue to report that I have late payments. I know this information is false because previously it was reported that XXXX and XXXX were the late payment dates, now it's reporting that XXXX and XXXX are the late payment dates. There are no late payments with this vendor. My credit history with them since 2018 has been on time every single month.
Consumer complaint received 2020-09-22
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. (FL)

THIS AUTO LOAN LISTED IS A FRAUDULENT LOAN THAT SOMEONE USED MY PERSONAL INFORAMTION TO OBTAIN THIS LOAN THE THEFT USED MY INFORMATION I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA & # XXXX ; s. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (LA)

i did a refinance loan 15 years ago and had 9 loan servicers on this loan. i have reached out to them numerous times to straighten out my account. they just ignored me over the years. i had a baqnkruptcy in 2011 for XXXX in aarears and got kicked out the bankruptcy for missed payments. my lawyer didnt know i got paid twice a month as opposed to every two weeks. it took four plus years for it to show up. my lender tried to forclose. i had paid XXXX towards the arrears so i sent them a cashiers check for XXXX so they still said i owed the XXXX so i had to file a 2nd bankruptcy to wait for thier proof of claim. after 5 months they never sent in a proof of claim so i was stuck in another bankruptcy for three more years. when i completed the bankruptcy my wife inherited her mothers home and we tried to pay it off through my credit union and they still had the extra XXXX on the account. i provided them with all the proof and they ignored it. now last month they finally took the XXXX off. after 5 years 2 bankruptcies credit ruined wife had a XXXX and still giving me the run around. i have all the proof and a letter from shellpoint mortgage saying sorry for the incovience.
Consumer complaint received 2020-09-22
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: AMERICAN EXPRESS COMPANY (NY)

XXXX keeps calling from a masked number XXXX XXXX XXXX XXXX. I have repeatedly told her to remove the phone number, stop calling, and contact me via mail. She refuses to do so. Furthermore, she does not identify herself as a debt collector as required by law. Furthermore, she calls this number and tells people who pick up the nature of the call.
Consumer complaint received 2021-04-27
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. (CA)

I already reached out to EXPERIAN and to XXXX XXXXXX/XX/XXXX and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " accurate '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.
Consumer complaint received 2021-04-27
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (NC)

A notice was taped on my door stating my 2nd mortgage was foreclosing on XX/XX/XXXX! I thought there was a moratorium on foreclosures? Plus it's my 2nd mortgage and is @ {$18000.00}! I still have a first mortgage and owe @ {$120000.00} on it! So how can the foreclose on me? I called and when asked about the moratorium, they stated the have the right too coldly. Offered to send papers to see if can work out plan which would take more than 30 days to decide and they would NOT stop the foreclosure procedure! I'm currently working on a forbearance with my first mortgage company. I'm XXXX, XXXX, n this house is where I have lived since I was XXXX years old. I have no where else to go and I'm baffled how it's legal for them to file during a pandemic! I NEED HELP IMMEDIATELY PLEASE AND THANKS.
Consumer complaint received 2023-02-27
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. (DE)

My name is XXXX 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 2020-05-20
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. (AR)

I Recently used a credit repair company and they didnt help much. Although it was true I didnt recognize the following accounts. XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX {$24000.00} XXXX  XXXX XXXX {$440.00} XXXX XXXX XXXX {$550.00} XXXX XXXX {$760.00} XXXX  XXXX {$83.00} XXXX  XXXX {$330.00} XXXX XXXX   XXXX {$260.00} XXXX  XXXX {$800.00} XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$10000.00}
Consumer complaint received 2020-05-20
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: Midwest Recovery Systems (FL)

Midwest Recovery Systems reference complaint XXXX. As of XXXX, I have been trying to get this collection which is fraudulent, off my credit report with XXXX  and XXXX. It still remains after they responded to this agency that they would have it removed. 
They are not a legitimate Service. They rejected my letter as attached and continue to ruin my credit. I was denied credit for a personal loan on XX/XX/XXXX from XXXX, which clearly states it's due to a Collection from Midwest. See enclosed. I am sick over this and will persue legal action against this place if not rectified.
Consumer complaint received 2021-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (PA)

In XXXX I applied for Government Assistance ( PUA ) and was approved to get payments that backdated to XXXX I never received a debit card in the mail so about a month later US BANK RELIA CARD sent me a debit card the debit card had no funds so I called the bank to find out what the problem was that's when US BANK RELIA CARD representative advised me that there was an additional card on my account that was loaded {$17000.00} to date ( XXXX XXXX ) I was confused due to me never receiving any funds the representative then gave me the information attached to my account and the address that the representative gave ( XXXX XXXX XXXX XXXX PA ) is not an address im associated with or have ever been the representative then proceeded to give me the email on file more information I have never been associated with so at this point the representative advised me to file a dispute and update all my contact information so I did we continued the call ( duration 2 hours ) disputing the transactions on my account. A week later I called for updated information and was told my dispute was closed ( XX/XX/XXXX ) a couple months later ( XX/XX/XXXX ) I was sent a text message from US BANK RELIA CARD to verify my identity so I called and was told my claim was reopened and was advised to send over information ( ID CARD PROOF OF ADDRESS AND SSI CARD ) and that the claim would reach its 90 day mark the first week of XXXX in witch US BANK RELIA CARD only has 90 days to investigate and reach a decision today XX/XX/XXXX I have called numerous times being told numerous times that my claim is still pending to call back 7-10 days. the funds that were deposited into the US BANK RELIA CARD was my PUA Unemployment and due to US BANK RELIA BANK sending my card out to the wrong address I lost all my unemployment benefits and US BANK RELIA CARD 5-6 months later have not paid me out any of my money that was stolen nor have they given me an update on my claim after I have submitted all my proof. In addition also losing all my work credits.
Consumer complaint received 2024-05-25
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Westlake Services, LLC (IL)

In XX/XX/year> my vehicle was repossessed. I am requesting the following information : Itemization of Account : Kindly provide a detailed breakdown of all charges, fees, and expenses associated with the aforementioned account. * Documentation Regarding Original Contract : Please furnish all relevant paperwork pertaining to the original contract, including finance documents signed and a complete account payment history. * Repossession Details : I seek clarification regarding the repossession of the vehicle linked to this account : * What was the amount for which the vehicle was sold at auction? * When and where was the car repossessed? * What was the amount due upon repossession? * Compliance with Illinois Repossession Laws : I request confirmation on whether the original creditor complied with Illinois repossession laws throughout the repossession process. * Statute of Limitations : Kindly provide information on the statute of limitations applicable to this account, along with a detailed explanation of how it was calculated. * Participation in Lawsuits : I inquire about the possibility of joining any lawsuits that may arise against the original creditor. Please advise on the procedures necessary for participation in such legal actions.
Consumer complaint received 2022-04-05
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (PA)

This is a payoff I'm requesting a 1099-C form. This mortgage account is not a debt and at a {$0.00} balance. Please remove from all Credit reports XXXX ( remove ) XXXX ( remove ) XXXX ( remove ) Also, Rights Violated Under Fair Credit Reporting Act 15USC-1681b section 602A State I have a right to privacy Rights also violated under 15USC-1681A section 604 A section 2 Also states a consumer reporting agency can not furnish an account without my written instructions. Please Remove Asap.
Consumer complaint received 2020-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (MA)

On XX/XX/XXXX, I started a dispute at Discover it on one of my online purchase at XXXX, which should be valid but Discover denied. 

I made an online order of three items on XX/XX/XXXX and applied a coupon " XXXX ''. Using the coupon, I was able to get {$25.00} off my order, so that the total was {$13.00}, instead of an original {$38.00}. But after a few days, I was surprised that the transaction on my credit card statement turned from {$13.00} to a final charge of {$38.00}. 
I reached out to XXXX so many times via phone calls and emails but they never respond, and the line are always too busy to be picked up by any agents. So I have to dispute the charge at Discover and provided a copy of my order confirmation email as proof. 

Discover gave me a final decision on XX/XX/XXXX, saying that according to the merchant, the transaction was valid. 
But the problem is that the order confirmation where I agreed to pay at XXXX website, as well as what I first received in my email, is different from what the final order looks like, since XXXX changed it after I clicked " submit the order '' and overcharged me. 

Discover is not protecting the purchase of their credit card holder, as anyone can end up paying much higher than they agreed to, even if they noticed it and submitted a dispute, because Discover 's solution to dispute does not seem fair.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I recently obtained a copy of my credit report and noticed accounts that I have no knowledge of being reported to my profile. In XXXX my wallet was stolen during a work trip, the credit bureaus were notified and a fraud alert was placed on my account. I contacted the credit reporting agencies in XX/XX/XXXX and XX/XX/XXXX, notifying them of the fraudulent accounts being reporting on my profile. Per 15 USC 1681B accounts that I have not given any written consent nor permission should be reported to my profile.

Reporting fraudulent accounts further violates 15 USC 1681c-2. 
I also requested that the credit reporting agencies remove all fraudulent addresses and credit inquiries that I have not authorized or given permission to be reported. 

These accounts being placed on my profile without my knowledge are hurting my ability obtain any credit in my name
Consumer complaint received 2023-01-30
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. (TX)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC. (IN)

I made a payment of XXXX on the credit card and the funds were deducted from my checking account and received by the credit card bank but not made available to me as credit. This took place on XX/XX/21. This not the first time that this has happened. They advised me that the funds would be available in 7-10 days. That means they are using my money for 7-10 days for investment or other uses. In addition they arbitrarily lowered my credit limit without advising me and as a result I had a purchase declined.
Consumer complaint received 2022-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am a victim of identity theft. XXXX XXXX, XXXX XXXX and State Department XXXX has fraudulent accounts on my credit profile that need to be removed immediately.
Consumer complaint received 2017-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

For nearing a year of attempting to access and dispute my credit file, I have been denied. Denied access to view, get a copy of, access, dispute and maintain my credit file. In the process of amicable resolution, on my part, I have endured, discrimination, ignorance, immaturity and attacking threatening behavior.
Moreover, I have disputed account information as inaccurate and Transunion has come back to me and stated they were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. Please explain how validity or verification can be conducted?
The FCRA requires CRA 's to verify the validity of the item within 30 days. If the validity can not be verified, CRA 's are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge Transunion to remove this item before I am forced to take legal action.
I am disgusted by the level of professionalism I have been shown.
Consumer complaint received 2020-09-04
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. (IL)

TransUnion and XXXX  are fraudulent on my following accounts : XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX/XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX