davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United PanAm Financial Corp. (VA)

XXXX XXXX XXXX and UNITED AUTO CREDIT C did not update my monthly payment yet. XX/XX/2021, XX/XX/2021 paid every month. Based on recent payments, the balance of bridge crest should be less than XXXX dollars and the balance of United Auto Credit should be less than XXXX dollars. 
The best payment history. I try to buy home ( FHA XXXX XXXX home owner ) for my kids, XXXX XXXX  XXXX  and UNITED AUTO CREDIT C should update my monthly payment as soon as possible.
Consumer complaint received 2021-05-07
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. (VA)

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX did not update my monthly payment yet. XX/XX/2021, XX/XX/2021 paid every month. Based on recent payments, the balance of bridge crest should be less than XXXX dollars and the balance of XXXX XXXX XXXX should be less than XXXX dollars. 
The best payment history. I try to buy home ( FHA loan-first time home owner ) for my kids, BRIDGECREST CREDIT C and XXXX XXXX XXXX XXXX should update my monthly payment as soon as possible.
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (MS)

I payed of my car loan with Wells Fargo on XXXX XX/XX/2020. I have called Wells Fargo only to be hung up on XXXX time. After I talk to a phone agent. I her about have issues with Wells Fargo not reporting to credit bureau twice in the pass. I got a call today XX/XX/2020 and explained that I payed of this account and Im buying a new car. I ask if they would please report account pay. Well she told due to covic it will take some time. I explained this problem had been on going since I purchased the car. I need Wells wto report my account pay. ASAP!!
Consumer complaint received 2021-07-15
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. (TX)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2021-03-31
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: National Credit Systems,Inc. (MI)

I have an account on my credit report from a property management company that I am unfairly being charged for. I filed a dispute with credit agency they sent their proof which consists of a lease that is not even in my name and is not with the property as the signer and a bill that they can not verify from the property management company.
Consumer complaint received 2021-05-07
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. (FL)

I am reaching out today regarding an issue regarding an incorrect MOP code that was reported on my Experian credit profile. The furnishing mortgage company had indicated that there should've been no foreclosure reporting and that they'd update my records with the bureaus. The issue was corrected properly on XXXX  and XXXX. I have an Experian.com account so I was able to review the monthly reporting history. The latest report in which I had access to was dated XX/XX/2019. The account had a reported payment stated of foreclosure proceedings started as of XX/XX/2019. This was unbeknownst to me as I had never received any notification of this status, no calls from the mortgage company and I had never received a notice of lis pendens. Due to being misplaced because of a hurricane and having delayed processing of my hurricane claim, I had decided to sell the home once I was able to rectify the damages. During this time, my mortgage company was informed of the challenges I was being faced with. My house sold in XX/XX/2019 as a normal sale. There was no deed in lieu or short sale that took place. In XX/XX/2019, I had noticed the issue of the incorrect foreclosure MOP code showing the account was in foreclosure. I had contacted Shellpoint and was told that I was correct and that they'd submit the update to the bureaus to remove all foreclosure reporting 's. The months of XXXX through XXXX were adjusted to a 120-day MOP code leaving the foreclosure status being the same month that i sold/vacated the home.
Consumer complaint received 2022-04-28
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. (AZ)

To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to XXXX. 

XXXX XXXX  did NOT provide me a XXXX release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


Sincerely XXXX XXXX
Consumer complaint received 2022-04-28
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-09-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Hawes Klein LLC (KY)

I called portfolios XXXX to pay half if the bill of XXXX which is XXXX, I was told they they could not accept it.this was on XX/XX/XXXX 4th
Consumer complaint received 2020-12-03
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. (FL)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2021-12-02
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. (PA)

I recently received an answer to a dispute which state that the accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were verified according to the information that you have on file. Very Respectfully, I am sure there was an error in the outcome of your decision. I am requesting the Method of Verification for the following disputed accounts : XXXX XXXX XXXXXXXX. This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is a request under FCRA 611 ( a ) ( 7 ) Description of reinvestigation procedure by your bureau in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ). A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete the items, as originally requested.
Consumer complaint received 2021-05-07
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. ()

My credit reports shows the information which does not belong to me. 

Earlier, The same issue happened to me in 2019. I created dispute and corrected everything. 

Now same issue happened to me recently. And someone unknown informations, inquiries and collection accounts are observed in my credit report Equifax and XXXX  are saying that information might be mismatched with someone else with similar name.. 

I have suffered a lot. I got denied for the government licence ( XXXX  ). I have been in process for correcting everything for more than a month. I got tired of making calls. This is wasting my time without even my fault. 

If Equifax and XXXX will not record my information correctly, how many times I have to create dispute in the future.
Consumer complaint received 2022-04-07
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. (FL)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2017-12-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: MSW Capital, LLC (NV)

I have made three complaints about XXXX XXXX XXXX. They continue to state that they 've tried to reach me by phone. I HAVE ASKED THEM THREE TIMES VIA U.S. MAIL TO MAKE A COUNTER OFFER IN THE MAIL. I WILL NOT CALL THEIR OFFICE AS THEY STATE BECAUSE I AM COMPLETE FEAR OF THREATS, BULLYING AND DERRAGATORY REMARKS FROM STAFF AND XXXX XXXX. WHEN THEY WANT TO THREATEN ME WITH A GARNISHMENT OR A NOTICE OF EXECUTE IT 'S FUNNY THAT THEY SEEM TO HAVE MY ADDRESS FOR THAT. I AM ATTACHING ANOTHER LETTER TO THEM DATED XXXX MAKING ANOTHER OFFER. I WANT TO SETTLE THIS BILL. I 'VE MADE SEVERAL ATTEMPTS AND THEY KEEP SAYING THEY TRIED TO REACH ME BY PHONE. I HAVE REPEATEDLY ASKED THEM TO COUNTER IN WRITING AND THEY REFUSE. I THINK THEY ARE IN THE BUSINESS OF HARASSMENT. I WILL EXPECT A LETTER FROM THEM WHEN THEY RECEIVE THIS SIGNATURE REQUIRED OFFER FROM ME. MY INCOME IS COMPLETELY EXEMPT AS IT IS SOLELY SOCIAL SECURITY. THEY HAVE TRIED TO STEAL THIS FROM ME AND IT IS ILLEGAL. I AM GIVING THEM A THIRD OPPORTUNITY TO SETTLE THIS BILL.
Consumer complaint received 2021-03-28
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: UMB FINANCIAL CORPORATION (CA)

XXXX  XXXX XXXX XXXX XXXX Account number XXXX XXXX  XXXX XXXX/XXXX  SO XXXX  number XXXX Account XXXX XXXX is a fraud account which was resloved years ago. 
XXXX XXXX had fraud tied to it XXXX  XXXX  XXXX  didnt hold the the CARES act 2 with the provision on supsending late payments due to the COVID 19
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

What is this complaint about? 
My credit score being decreased instead of increased by TransUnion. 

What type of problem are you having? 
TransUnion made an error by decreasing my credit score instead o increasing my credit score. 

What happened? 
TransUnion decreased my credit score by XXXX points from a XXXX after they removed to erroneous collection accounts that I reported to them and requested their removal from my credit report. 

What company is this complaint about? 
TransUnion Who are you submitting this complaint for? 
Myself, XXXX XXXX XXXX
Consumer complaint received 2019-08-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WATERMARK CAPITAL, INC. (GA)

Contacted Watermark Home Loans ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX CA XXXX ; XXXX ) in XX/XX/2018 for information on a new 30-year, fixed rate conventional mortgage on a home I was building in XXXX XXXX. XXXX XXXX was assigned as my mortgage broker contact ( XXXX ). On XX/XX/2018 we agreed to a loan for an approximate {$440000.00} total home value with 5-10 % down and a loan amount of {$400000.00}, and I formally submitted a loan application. The total value consisted of a primary home contract with a builder for {$390000.00} and a pool additional with a pool construction company for {$40000.00}. On XX/XX/XXXX after preliminary approval, I locked my rate and agreed to pay a {$500.00} appraisal fee up front. Appraisal was ordered and on XX/XX/2018, Watermark called me and stated that they were retracting their agreement and would not be able to include the pool in the loan, although the appraisal did cover that in the appraised value. They were now offering only to include the {$390000.00} home contract in the loan amounts, meaning I had to now pay the additional {$40000.00} out of pocket if I wanted a loan - and this was two weeks prior to the targeted closing date at that time.
Consumer complaint received 2021-05-07
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. (IN)

Back in XX/XX/2018 hired a lawyer XXXX was trying to get double pay on a car went to court civil court I won XXXX XXXX XXXX is still disputing with the credit reporting agencies That I still owe them over {$7000.00} I dont owe them nothing judge put in a judgment in my favor I won plus lawyer fees and court costs
Consumer complaint received 2020-07-07
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. (TN)

XXXX is listed on my account as a collection. I have no idea what this account is and need some validation. I have contacted this company several times via mail about this account. This account is incorrect and should not be listed.
Consumer complaint received 2017-12-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (FL)

Someone tried to obtain a credit card from PayPal through XXXX.I never applied nor would I.Iwrote a letter to PayPal to send a letter of Deletion to XXXX but after a month was told they were not able to comply because they use XXXX XXXX XXXX to do credit checks and the bank is responsible for all credit from PayPal. I contacted the bank and they said it was not their responsibility to resolve PayPal disputes.XXXX was very hard to reach and  said they could not help me without The Letter of Deletion from PayPal The date I was first aware of the fraud was XX/XX/XXXX,2017.
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Item reappeared / a different company reentered a fraudulent collection previously removed by TransUnion. Original reference - some type of presumptive medical service in Texas ( 2015 ). I have lived in XXXX for 25 years. I have a mail address in XXXX, Texas. 

The 3 major USA bureaus have both my XXXX and USA addresses.
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: FREEDOM FINANCIAL NETWORK (MO)

Freedom Debt Relief and XXXX XXXX XXXX took $XXXX of my money after they said they settled a debt. I had several credit cards to have settled, they did settle two of them as promised, but then it went south I had saved up $XXXX in my account, they could have taken care of half of my accounts with this but they went after the largest account so they could take my money and get paid instead of paying off my debts. They negotiated $XXXX month payments for like 5 years. Then they emptied out my account for their commission so when the payment was due on the settlement they negotiated. I had a XXXX balance and the creditor withdrew from the agreement.I called several representatives in the company to find out why my account was XXXX yet not one of my existing debts had been paid nobody could answer me. It took me several days and phone calls to have someone finally explain what they did. This was deceptive business practice on their part,they only went after this account as soon as I reached their commission amount in savings andleft nothing in the account to pay the debt. They won’t give me a refund and the lady I spoke to that finally answersWhere my money went admitted they could have handled it better but I still wasn’t getting a refund so I closed my account.After I closed my account I was harassedFor 3 more months asking me where my payment was and that I needed to submit it.My account was closed they still wanted me to send them money. They blamed the fact that I deferred a few monthly payments and that nullified my contract and ability to get a refund. When I signed up I was verbally told by XXXX XXXX that they would work with me, the money in the account was mine and I could use it if needed and I could also defer payment if I had a hardship without penalty but none of that was true.
Consumer complaint received 2023-04-07
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. (LA)

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 2022-10-11
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 have provided each credit bureau ( Experian, XXXX and XXXX ) with a deletion letter for XXXX # XXXX, this account is reporting late payments that are inaccurate for the following dates XX/XX/2021, XX/XX/2021, XX/XX/2021 and XX/XX/2021. I have provided them with the deletion letter twice and each time the investigation come back with the lates still reporting.
Consumer complaint received 2022-04-28
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. (NJ)

In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states that I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for a purpose.
Consumer complaint received 2023-03-04
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. (TX)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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.