davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX and Equifax continue to report inaccurate information onto my consumer report. Equifax has not provided me with any documentation to prove I was indeed on late during these months that they are alleging I was late please take note the other XXXX credit bureaus are not reporting this account and the information but match across the bureaus. I would like to know who exactly Equifax spoken to to verify this debt. 

) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX placed an alleged debt collection onto my consumer report without sending proper notice to dispute before it was added. Since XXXX, Experian, and XXXX are required to furnish accurate information they were also required to send out a notice for me to opt out or verify this information.
Consumer complaint received 2024-05-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (HI)

In XXXX of XXXX  Freedom mortgage sent me a notification that they did not have proof of my flood insurance. Within a week I used their secure message center and sent them proof of my flood insurance. They average XXXX calendar days to respond to any message. Each time they said they need proof of flood. I had my insurance company email them and I went in their website and uploaded proof. This went on for several months and the story changed from flood insurance to wind insurance. The wind insurance was also provided with the flood insurance. In XXXX they acknowledged I have never had a lapse in coverage while owning the mortgage. However they still charged me thousands for lender based insurance and increased my payments from XXXX to XXXX. They said I could pay it in full and my monthly payment would be XXXX but did not explain why.
Consumer complaint received 2018-12-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (LA)

Creditor is reporting accounts that are invalid and unverified. XXXX   and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : Account Name NATIONAL CREDIT SYST Account Number : Account # XXXX Date : XX/XX/2017 Amount : {$7800.00}
Consumer complaint received 2024-04-18
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mr. Cooper Group Inc. (TX)

Iam requesting that you update my credit because its showing that this loan is over 180 days past due and I did not ask to be set up on a payment plan. Myself and XXXX XXXX are divorced and per our divorce decree he was awarded this foreclosed property. If you look on the XXXX XXXX records this property is owned by another person. This property was in foreclosure 2019 and again another person purchased this property illegally. Update my credit file to reflect I am not 180 days late because I never set up payment arrangements to get this loan back current. Cause # XXXX XXXX was illegally purchased after 2019 forclosure the deed is not in my name anymore. Rushmore Mortgage is revolving this debt on my credit every month fully aware that the property has another owner. I did not set up a payment plan. please investigate. I was recently diagnosed with a XXXX XXXX this is extremely stressful and I have XXXX small children to take care of. I am on full ssa. I have proof that I can provide as well regarding the lawsuit.
Consumer complaint received 2020-05-11
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. (FL)

XXXX account is paid and closed but is still reporting on my credit report. 
I asked all three of the credit reporting agencies to remove this account since it impacting my score negatively. However they have yet to even look into this situation accurately. 

account XXXX paid closed
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXX, Experian, and XXXX continue to violate my federally protected rights. The information listed on my report is inaccurate. 
My name is XXXX XXXX this is my only name, my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX any other address listed is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of this information is inaccurate and should be deleted immediately.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XXXX, XXXX, and Equifax continue to violate my federally protected rights. The information listed on my report is inaccurate. 
My name is XXXX XXXX this is my only name, my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX any other address listed is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of this information is inaccurate and should be deleted immediately.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

XXXX, XXXX, and Equifax continue to report inaccurate information. My name is XXXX XXXX there should be no other names listed on my consumer report. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX any other address is not mine and is not deliverable by the United States postal service so therefore it should be deleted immediately. Since XXXX, XXXX, and Equifax sell personal information this incorrectly reported information can only be obtained through monetary transactions so who is providing this information as accurate as I have a right to examine it to see if it is correct.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion, XXXX, and XXXX continue to violate my federally protected rights. The information listed on my report is inaccurate. 
My name is XXXX XXXX this is my only name, my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX any other address listed is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of this information is inaccurate and should be deleted immediately.
Consumer complaint received 2024-02-14
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)

TransUnion, XXXX, and XXXX continue to report inaccurate information. My name is XXXX XXXX there should be no other names listed on my consumer report. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX any other address is not mine and is not deliverable by the United States postal service so therefore it should be deleted immediately. Since Transunion, XXXX, and XXXX sell personal information this incorrectly reported information can only be obtained through monetary transactions so who is providing this information as accurate as I have a right to examine it to see if it is correct.
Consumer complaint received 2018-12-03
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: Santander Consumer USA Holdings Inc. (CA)

On XX/XX/2018 I contacted Santander Consumer USA. I currently have a car loan with them and I wanted to verify that the payments I have made since the origination date of the loan have been reported to the credit bureau. I was informed by a Santander employee that the company does not report to the credit bureau. I was told that I could fill out a waiver to allow Santander to begin reporting to the credit bureau. I was given 3 different time frames that it would take to e-mail the form to me. The latest date was for Monday, XX/XX/2018. I did not receive the e-mail.
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I requested CITI BANK VISA credit card to have the late fees reversed because I made the phone payment on the due date as usual but they have a policy that if the payment is after a certain time it takes it for the next day causing it to be erroneously late. 
If I pay by phone on the day of it should count for the same day. As funds will be guaranteed. 
When I asked to reverse they said they could not because their policy also only allows one reversal every XXXX!!!!! Sure they like to increase the APR too and they don't even notify the people. I was charged XXXX late fees of {$41.00} each because I was a few minutes after XXXX PST. 
Please regulate these type of late fees especially during the inflation.
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AL)

I am writing to formally submit my final complaint regarding the financial injury and stress I have endured as a result of ongoing issues related to identity theft with my Wells Fargo account. Despite my repeated attempts to resolve these matters, I have not received adequate support or resolution from Wells Fargo. 

Over the past several months, I have experienced significant financial loss due to unauthorized transactions on my account. This incident have not only caused financial strain but also immense stress and XXXX. 

I am requesting a refund of the remaining reimbursement of {$61000.00} for the unauthorized transactions and any related fees. It is unfair that I am facing the consequences of identity theft, especially when I have promptly reported these issues to Wells Fargo. 

I have also had a credit card from another company be used and maxed out, and someone attempted to take a loan out in my name due to this identity theft. This further highlights the severity of the situation and the urgent need for resolution. 

I expect a swift and satisfactory resolution to this matter. If my concerns are not addressed appropriately, I will have no choice but to escalate this matter further. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-05
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (NC)

I had been a loyal customer of XXXX XXXX since XXXX. In XXXX, XXXX XXXX charged me XXXX XXXX XXXX  to start my internet service account during the Covid pandemic. I repeatedly told the customer service representative that I only needed internet service and that all other telecommunication services were not needed. The company offered educators free internet for a period of time as we were preparing to work from home. XXXX XXXX overcharged me from day one. I never received the free Internet services they said they'd offer to educators, and never told me that there would be fees involved because I was a 'new ' customer. I do not have the bills because I selected 'paperless billing ' and all prove of payments will come from my bank statements in XXXX. For over a year, they continued to bill me for voice service even after I said I did not need the service. 
I continued to pay the amount I was billed- often double the cost of internet service offered by other telecommunication companies. Within 3 months after I cancelled my services in XX/XX/XXXX, XXXX  sent a notice to a collections agency ( XXXX XXXX ) who harassed me daily despite after telling them that I did not owe any payments to XXXX.
Consumer complaint received 2020-11-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

I was offered a job and the company sent me a check to deposit in my bank account. The next day, I was coax to send part of the money through Zelle to a vendor that would supposedly buy the software I would need for my accounting job that I was offered. After sending the money as directed, my cousin that I was in contact with told me it might be a scam! I filed a complain with Zelle an affiliate with my bank to alert them. I notified my bank and a hold was placed on the transactions.
Consumer complaint received 2020-05-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

I opened a XXXX XXXX credit card with a credit limit in XX/XX/2011 with a limit of {$1500.00}. Now a collection agency by the name of midland funding llc is trying to extort {$3500.00} as of today and it is no longer a credit card account but account
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Experian North American Headquarters XXXX XXXX XXXX, XXXX XXXX, CA XXXX Dear sir, Recently, I received the credit report from your company dated XX/XX/XXXX. In this report, I realized there are discrepancies on what I paid to XXXX every month from my personal bank and the amounts which your company reported as follows : Actual Amount Paid to XXXX from Bank Amount written on the credit report provided by your company XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since your previous many letters indicated that I should contact any questions regarding this matter, I am gladly contact with my main bank regarding this matter to clarify. 
Also, recently, I have received a credit report from XXXX, toward which I was asked to file by the district court of New Jersey in XXXX by paying {$400.00}, even though I was asked by the court. It did not mention my XXXX XXXX at all in it. However, you kindly indicated increased XXXX XXXX in your credit report. As far as I understand it means XXXX hesitation to comment on XXXX XXXX, due to the unreliability of credit reports themselves from several credit report companies. Therefore, would you tell me how will you state your credit report, and score are reliable to be mentioned officially since your company continuously indicate the results of unreliable data and information? 
Sincerely,
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion, XXXX, & XXXX continue to report inaccurate information on my consumer report. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX even with all my repeated attempts to get my information updated so it can be correct the credit bureaus have not updated the information.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXXnder 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 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX, Equifax and XXXX are reporting a closed paid account on my credit as closed with a balance. I settled this account and it is closed and paid and needs to be removed because it is negatively impacting my credit score. 

XXXX XXXX XXXX amount {$450.00}
Consumer complaint received 2015-08-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Receivables Performance Management, LLC (NY)

Someone stole my identity and opened a XXXX account which they never paid. They then resulted to opening an optimum account when their XXXX was disconnected. I have a police report which states the identity theft. I submitted it to optimum and they took the account off my record. However, I have submitted the police report to XXXX and they are still charging me for it. Now I have a collections agency named XXXX corporation on my credit file when this account was a result of identity theft. I have tried contacting the agency and no one answers. I have also tried contacting XXXX and I just get passed around the phone until I ultimately get greeted by a voicemail.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XXXX, XXXX, & Equifax are reporting a collection account listed as credit collection but have provided no evidence on how they validated this alleged debt, this is a violation of my federally protected rights. This account has it been verified because I have signed no contract with this company nor had any account. Delete this information.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion, XXXX, & XXXX are reporting a collection account listed as credit collection but have provided no evidence on how they validated this alleged debt, this is a violation of my federally protected rights. This account has it been verified because I have signed no contract with this company nor had any account. Delete this information.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion and XXXX are both reporting an alleged collection that is accurate : they have provided no evidence to prove that this collection belong to me.d I demand that they both produce the documents they used to verify this information.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion stated they verified the account listed as XXXX XXXX XXXX as accurate but did not provide me with any documents nor contact information for the person they allege they spoke with to verify this information. I have repeatedly asked for this proof because under federal law they have to validate this information and I have a right to view it for accuracy.