davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-04
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. (AR)

XXXX XXXX is continuously reporting DEROGATORY STATUS in regards to my loan UNDER FEDERAL LAW (CARES ACT RULES) I reqested a forbearance  COVID-19 (PRIOR to becoming deliquent ) PLEASE NOTE THERE RESPONSE IN PREVIOUS COMPLAINT A LYE !!! XXXX the time of first complaint NOT OFFERING ME THE FORBEARANCE THEN ALL OF A SUDDEN AFTER MY COMPLAINT THEY WERE FORCED TO COMPLY, ALSO THEY VIOLATE THE GRACE PERIOD XXXX no time was I delinquent when applying for COVID-19 therefore its illegal under Cares Act. THEREFORE THERE NOT REQUIRED TO MAINTAIN A DELINQUENT STATIS "there a lyer)  by federal law required to report as CURRENT, I spoke to there legal department numerous times and they agreed the report was wrong then last week he stated it was not wrong and I hung up in his face, there tactics and damaging my report has acquired much emotional harm as well higher interest rates that creates a hefty penalty/LAW SUIT there wrong reporting dropped my score XXXX points QUITE DAMAGING please note I am a payee on the XXXX XXXX law suit and XXXX has adopted the same practices.
Consumer complaint received 2018-03-16
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: ALLY FINANCIAL INC. (OH)

I made a call to XXXX about unauthorized credit inquiries on my account. After speaking with Customer Service Rep, XXXX XXXX and then being transferred to Customer Service Supervisor, XXXX XXXX, I was told that there was nothing that they could do on their end without having a Letter of Dispute or Termination on Contract from the listed companies. When reaching out to the various companies they were unauthorized to run a credit check on my behalf, I was more or less told by 2 of the 5 company customer service reps that " Hard Inquiries '' fall off in 2 years and I am approaching that 2 year mark. Of course they worded it in better terms but nonetheless, this is disgraceful hearing from a company as they do not want to own up to their misuse of people 's information and as a result, the only solution that they offer is to " wait it out '' since the 2-year dismissal is approaching. These credit inquiries are affecting my XXXX and FICO scores now but these companies bank off of bad debt and do not want to remove them. The companies are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Ran unauthorized inquiry onXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Ran unauthorized inquiry on XX/XX/XXXXALLY FINANCIAL INC XXXX XXXX XXXX XXXX, MN XXXX Ran unauthorized inquiry on XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX, NC XXXX Ran unauthorized inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, OH XXXX Ran unauthorized inquiry on XX/XX/XXXX
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OH)

the problem is with equifax but eqifax continually has stated tthis investigation will take longer due to them having to send letters to my creditors to find out info. this is betwern equifax amd myself so why they try using creditors as the problem really has me concerned especially since this is 3rd complaint ive had to file due to there response being aimed at contacting my creditors when its equifax who cant provide me with my credit report or explain why they have no record of my history and when Ive applied for a car loan the dealership denied my credit on the grounds that equifax sends a blank report and Ive contacted them on 3 different occasions to fix this issue and still the cant seem to grasp the fact that there the problem?
Consumer complaint received 2016-12-07
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (VA)

Bank shut down my account that was linked to my checking account and charged me {$100.00} in fees and would only refund half of my money. XXXX and XXXX at Wells Fargo refused to allow me to speak to a supervisor and said my complaint was closed.
Consumer complaint received 2021-03-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 35 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigation these items within 35 days gives a reason to immediately remove those items from my credit report. It has been way over 35 days and they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My Information was also impacted by the Equifax data breached may have got into the hands of the wrong person.
Consumer complaint received 2022-02-04
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. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
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 — Account status incorrect
Company: JPMORGAN CHASE & CO. (NJ)

I didnt get any help during the pandemic I request payment deferral as the Congress law requirements and they didnt help me and they report all my late payments on 2020. Right now I have all my accounts current but Im getting affected because they report all late payments violating congress law about payment deferral as this situation happens I need all that 2020 late payments remove as soon as possible
Consumer complaint received 2022-07-20
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. (NV)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-11-25
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)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2024-02-12
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. (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. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-12
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. (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.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-06-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Asset Management Outsourcing, Inc. (FL)

This debt is not known to me. I recently requested my Free Credit reports to access my credit history before I applied for my XXXX mortgage which I have been diligently addressing my credit so that I would be in a good position when ready so I request full validation from the crediting company. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information.
Consumer complaint received 2015-12-09
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: First Direct Lending, LLC (CO)

I was considering refinancing my home and entered my information online to have various mortgage companies contact me. One that did was First Direct Lending in XXXX, CA. When they called, I spoke to a person named XXXX XXXX While attempting to get the rates I would qualify for, XXXX said the only way that he could provide those rates was to do a " soft credit '' check with XXXX credit bureau. I inquired as to what that is and how it would affect my credit score ; he said it would not affect it because it is treated as an " inquiry. '' Therefore, the only way for me to get this rate was allow XXXX to do the " soft check. '' After receiving the rate, I told XXXX I would think about it and that was the end of my contact with XXXX and First Direct Lending. 
ON XXXX/XXXX/2015, I received a letter dated XXXX/XXXX/2015 titled " Statement of Credit Denial, Termination, or Withdrawal. '' I did not understand why I received this letter because I did not apply for credit or the mortgage loan ; again, it was only a " soft check '' per XXXX. 
I have called XXXX at First Direct Lending several times without a response back. On XXXX/XXXX/2015, I spoke to the receptionist and told her my situation and that XXXX was not returning my calls. She then transferred me to a person named XXXX. I also left a voicemail and never received a response. 
I am concerned for a number of reasons with the first being the damage to my credit score because of the denial of credit that I never applied for to begin with. Second, is the fact that I was lied to about the " soft check '' by XXXX.
Consumer complaint received 2024-02-12
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. (LA)

I reviewed my consumer report and noticed that i had some late payments on my account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts listed via attachment. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments to be updated or delete. I was never late.
Consumer complaint received 2016-08-15
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Thunderbird Collection Specialists, Inc. (AZ)

I person by the name of XXXX called me in regards to a medical debt I was unaware I owed, I explained I was in middle of work and could n't speak to him at the moment, he proceed to call my cell a total of 5 times within a 3 hour span. 
I called him back and asked to be sent an invoice because how did I know if it was n't a scam, and I would n't give my credit card information over the phone. 
A few days passed I did not receive anything in the mail, XXXX called my work and asked to speak to my boss, he told my boss to have him call me back or I would be in serious problems. He then called again and asked to speak the HR director, he then called again to obtain my extension number. 
I called him back and asked him to not contact my work number and to not speak to anyone at my work in regards to him trying to collect a debt. I explained I still had not received anything in the mail, which then I realized he did not have my correct mailing address, I gave him the correct mailing address. 
2 days later he called me a series of 10 times, 3 times leaving a voicemail, I was not able to answer the phone because I was in meetings, he then called my work number and spoke to customer service asking if I was working and in the office. 
I called and asked to speak to a supervisor and asked said supervisor to remove my work phone number because the employee XXXX has been harassing me at work, I again asked for the invoice to be mailed. 
XXXX called the next day my work phone and spoke to customer service, he then called my work extension and left a message. 
I again called a supervisor to ask for XXXX to stop calling my work. 
XXXX again repeatedly called me my work phone number.
Consumer complaint received 2016-05-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

Ocwen misreported our payments over the last 6 months and we have tried to get it resolved. We sold our house in XXXX and the loan was paid off however they are still reporting it late and with a balance. The payment status is wrong. Please assist.
Consumer complaint received 2015-06-11
Product: Credit card — 
Issue: Billing disputes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

My now exhusband jointly held a usaa XXXX credit card with me and we accumulatedcabiutv XXXX debt. In court divorce debt not allocated even though through freedom debt he said he paid this and only later said he pulled out and they were suing me by his name was not on the card. It was he had it removed them filed with frredom debt then they erroneously sued me. He signed a contracact taking on that debt. Now there is a judgement on my record that 's incorrect.
Consumer complaint received 2015-08-06
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Advance America, Cash Advance Centers, Inc. (CA)

Dear sirs, Hello again, my case number was XXXX. The first case I had reported to you was about this collection agency who calls themselves " XXXX '' and that they were continuing to harass me about a debt I had owe. I am now being contacted by another collection agency who calls themselves XXXX XXXX XXXX. Whereas XXXX was using an " XXXX '' area code number to call me this new agency is using a " XXXX '' area code number to call me. This new collection agency called me on XXXX/XXXX/15. They have n't started harassing me as of yet, but I 'm very cautious of them, because they seemed to be operating in the same manner as XXXX did. They caught me totally off guard. I just want to report them to you because they are also starting to harass me about the same debt that I owe. And also, so that you can have an up date on what 's going on. They are call XXXX XXXX XXXX and their number is XXXX
Consumer complaint received 2023-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (AZ)

My employer sent me a Advance to pay my rent so i wouldn't get evicted through a third party check. My HR lady made a mistake by putting it payable to my complex instead of my name. 

When i tried to take the check directly to the apartment complex they stated theyd rather take the payment via there pay portal. 

When i went into my Wells Fargo mobile app to deposit said check, my account got flagged for fruad due and my account will be in foreclosure on XX/XX/XXXX because the check did not having my name on it. 
( even though it was in the memo ) I go into a branch and stated all i needed to do is submit documents from my employer stating is was a mistake on there part. 

My HR lady submitted email of this issue stating is was a mistake on her end. 

Wells Fargo said that wouldnt be enough and would need it as a letterhead indicating numbers of how much do payment of the deposit was. 

My HR lady submitted another updated document Wells Fargo said that wouldnt be enough and would a phone number register with the business to verify this accident. 

My HR lady submitted another updated document with both her personal/ business phone number Wells Fargo stated neither numbers would verify me. 

I continued to escalate this issue to the fraud prevention department/loss prevention in hopes of speaking with someone that would be able to unflag my account. I spoke with a Manager representative. Her name was XXXX and she stated that as long as the {$1900.00} falls off of my account due my account would be in good standing. She also stated she understood that this issue was base on the fact that my employer is a work from home business that does not have a main office. My employer voided and did a stop payment on the {$1900.00} third-party check and when I called in to verify why the {$1900.00} hasnt fell off of my account they told me that I had to wait for information from third-party bank to verify that the check had been voided. 
Even though a previous representative had already verified, that information has been sent to Wells Fargo. 
Gave me a hassle on not giving me the option to let my HR lady be on the call to verify herself over the phone. 
Even though a previous representative stated that it was OK if I had her on the line to speak to the loss prevention department. 
After speaking to a manager in the loss prevention department, he stated they only would except a phone number from the CEO of my employer and two pieces of identification as well as two pieces of identification of my own to verify that this is a was a mistake on my employers behalf. 

This issue has held me up from being able to have my account in good standing for XXXX to help me pay for my rent so I wont get evicted by Wednesday XX/XX/XXXX.
Consumer complaint received 2016-08-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MD)

Hi My Name is XXXX XXXX and I reside at XXXX MD XXXX. I have lived here for 10 years and having been hit by the financial melt down where I have fallen behind my mortgage for a while. My problem is that I have been working with Ocwen Loan servicing on modification of my mortgage. They have me sending documents over and over again and they keep misplacing them. They then sent me to a XXXX XXXX, where we discussed that my contribution partner income does show a year to date income on their pay stub, even dou we have a yearly income and have verifed that he makes that income every year..My last conversation with her was that she was going to get a letter directly from the employer and she could not she will let me know.She sent me an email on the XXXX saying she has not received the documents from XXXX XXXX mover but yet they have scheduled for foreclosure. Every time they need a document they just go ahead and schedule for foreclosure. It seems they are more interested taking my property from me and my family than at list review my documents for a modification. Please help me get reviewed by them .Thank you