davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-19
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. (MD)

Hello. I contact Experian via certified mail ( attached proof and letters ) I requested proof of accounts that they claimed were mine. I also Have credit card companies reporting incorrectly because credit cards were stolen and used and cause balance and I closed the cards because of theft. I have reached out to Experian explaining the issues and the Laws that are protected by me to assure I am not being reported inaccurately. They sent a generic auto response claiming nothing was inaccurate when in fact several things are reporting inaccurate and illegal. I will forward my proof to you.
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX reports companies are showing a writing off account as open/closed on my credit report and still showing the full amount of the balance as open and valid.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2023-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an accounts 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 : XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX Balance XXXX {$25000.00}
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: DISCOVER BANK (CA)

My identity was stolen. 
1. I received an email notice from XXXX XXXX XXXX on XX/XX/2022, and it said, " It looks like someone viewed your credit report. '' I called to the XXXX XXXX XXXX, and they asked me if I have applied increase my credit limit and applied a XXXX Credit Card? Both two applied I didn't ask. 
XXXX. XX/XX/2022 I got a text said, " Your XXXX IRA verification code is : XXXX '', and then I got another text said, " Thanks for joining XXXX IRA Account & Market Alerts. Up to 4 msgs/day. Rely Help for help, Stop to end. Msg & Data Rates May Apply ''. I also got an email that asked me to confirm my email address. 
XXXX. XX/XX/2022 I got a mail from Discover said they are not able to provide me an offer due to Recently opened bank revolving trades. 

I didn't ask for increase my credit limit and apply a XXXX Credit Card. 
I didn't open any XXXX account. I didn't have IRA account. 
I didn't ask Discover any offer. 
I didn't open any bank revolving trades.
Consumer complaint received 2024-01-24
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. (CA)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-07-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (NJ)

A Citibank Credit Card was sold to XXXX XXXX and 2 law suits were filed the first was dismissed to investigate the fraud claim the law firm for XXXX XXXX XXXX and XXXX never contacted me after that 3 months later they file a 2nd Law suit. I completed the fraud affidavit and filed a complaint with the XXXX XXXX PD. And provided all requested information in regards to XXXX AND XXXX XXXX and XXXX to show proof this credit card along with 3 others were opened fraudulently by my exwife .. who admits to using my Social security number to open fraudulent accounts. Both XXXX and XXXX XXXX XXXX XXXX continue to peruse me legally for a fraudulent account. I have yet to receive a response from XXXX nor XXXX XXXX XXXX XXXX in regards to their investigation or finding from the fraud affidavit that was sent to both companies over a month ago. The law suit is still pending and both companies continue to attempt to collect an account that was fraudulently open.
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like XXXXm being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-03-26
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. (TX)

I have religiously paid my Child Support account each month since 2019 and have never been late. I have even made multiple payments in advance so that I don't ever miss a payment. I believe it is because of these over-payments that I have made that have caused it to appear that I was late twice when I was really paid up several months in advance. I have contacted Child Support directly and they have confirmed that I have never been late on my account ( I am currently paid in advance by more than 12 months ). However two late payments still appear on my credit report. Prior to these 2 issues, I had over 800 credit scores. It is not fair to have something as inaccurate like this to affect me for the next 7 years. I have disputed these late payments directly with the credit bureaus but they are still reporting this inaccurate information.
Consumer complaint received 2020-12-07
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. (NY)

THE ACCOUNT AND INQUIRIES LISTED DOES NOT BELONG TO ME. THE ADDRESS FOR THE DEROGATORY ACCOUNT IS NOT AN ADDRESS THAT I HAVE EVER RESIDED AT. I HAVE NO KNOWLEDGE OF THE ACCOUNT. THE ACCOUNT AND INQUIRIES ARE NOT AFFILIATED WITH AND TRANSACTIONS MADE BY ME. I AM ASKING THAT YOU PLEASE LOOK INTO THIS MATTER AND HAVE IT RESOLVED AS SOON AS POSSIBLE.
Consumer complaint received 2024-01-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (AZ)

I have reached out and disputed debt has yet to receive a debt validation. I have reached out to the legal Department. To ge more information about the debt and only being told it is in dispute and has been In dispute since XX/XX/2023. I mentioned that they have 30 days to send debt validation. And asked why I havent received it they mention they are working on it. I need this debt to be validated or removed from my reports as I have not received a validation.
Consumer complaint received 2023-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JFQ Lending, LLC (CO)

I received the attached notification in the mail which is a clear violation of UDAP. I work in the industry at a Bank and am very familiar with XXXX XXXX XXXX new refinance program for clients with high DTI or low FICO, but this notification promises a potential cash disbursement of {$2400.00} ... what is that, the escrow account? Totally fake, this would make it a cash out and that is not what Fannie Mae is offering. They are offering to pay up to {$500.00} towards the cost of an appraisal if their is not a waiver, but in no way shape or form are they offering a cash disbursement!
Consumer complaint received 2024-01-24
Product: Credit reporting 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: Experian Information Solutions Inc. (MS)

I called Experian or the bureau to see why I havnt got a score still it been 3 or more then that that I still havnt got a score and my card bank not on there anymore when I add my card to it I had to request it n still nothing happen I have one card by my bank and that XXXX  they took XXXX  off or something because they act like they didnt know what to do or how to help me I been paying bills and nothing still happen to see my credit score or payments I did to show them I should already have a score it probably been 4 months now but the thing about it I been had a score on my credit but it disappeared n even took my card bank off so I cant add it back or do anything to get a score
Consumer complaint received 2023-03-30
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. (SC)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (MA)

On XXXX XXXX I was checking my TD Bank accounts and notice that my student checking and saving was in negative and when I looked into the accounts there were multiple fraudulent transactions occurring withdrawals, Debit Card purchase in person and online in the account starting from XX/XX/XXXX. It immediate contacted TD Bank customer service online. He instructed and created 3 fraud claims ; 1 for withdrawal from saving, 1 for checking and 1 for purchases. My Mother and I who are joint on the account followed up with the local branch on XXXX XXXX and additional claims were done again. We were informed that is Identification was comprised and they fraudster also had access and control of his online banking. TD bank instructed to get a Police report and also enroll into to identitytheft.gov which he did. My Son lost his bankcard and he was not aware. The fraudster depleted the accounts in 2 days and TD Bank fraud department never once try to contact us about this rapid transaction happening in the account which was uncommon and it was in a different state. We have filed multiple claims with TD Bank and they continue to deny them. To this date, TD Bank has only refunded {$820.00} of the aprox. {$4500.00} dollars that was stolen from the account. I have made many trips to the local branch with no solutions. The matter was escalated to the Reginal Manager and he has yet to contact us. I was instructed by XXXX XXXX branch Manager to write a formal complaint via letter and send directly to the Reginal Manager which was done and hand delivered to the Main Branch in XXXX with no reply. These 2 accounts were frauded out and TD Bank refuse to refund our money. My mother has been a value customer of TD Bank since taking over XXXX XXXX XXXX XXXX and currently has 8 active personal and business account along with my passbook. This is the second time my account was frauded out and TD Bank continues to deny claim even when it is blatant fraud. I would like TD Bank to refund my money. TD Bank security protection failed.
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-01-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

The bank reported XX/XX/2021, and XX/XX/2021, both paid on time, as delinquent. 

The payment due on XX/XX/2021, was made on XX/XX/2021 in the amount of {$2500.00} as that was the payment amount required according to the misleading online bill. ( see XX/XX/2021 statement for receipt acknowledgment ). The statement amount due was lower at {$1500.00}. 

Likewise, the payment due on XX/XX/2021, was made on XX/XX/2021 in the amount of {$2500.00} as that was the payment amount required according to the misleading online bill. ( see XX/XX/2021 statement for receipt acknowledgment ). The statement amount due was lower at {$1500.00}. 

Although both payments were made early, the bank disappeared part of them and reported {$1500.00} for XX/XX/2021 and {$1500.00} for XX/XX/2021 as delinquent ( see XX/XX/2021 statement ). 

The bank essentially stole {$3100.00}! XXXX x XXXX ), as the bank is demanding that I pay these amounts again.
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (AR)

Do to the epidemic I have been effected and unable to work since XX/XX/XXXX to now XX/XX/XXXX. @ at XXXX point hospitalized, On XX/XX/XXXX I paid my XX/XX/XXXX payment on XX/XX/XXXX and included my {$30.00} late fee a total {$1000.00}, Since XX/XX/XXXX to now PennyMac has been harassing me with phone calls all hours of the day and night as well refuses to recognize my XXXX 's, I tried talking withy them ask for a fortberence/releaf and stop calling me and harassing me as our conversations go no were Quote : they said my account must go basically 90 days in the rear before asking for such, Iam not even 30 days late referring to grace period to grace period.
Consumer complaint received 2022-07-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

I have been a victim of unfair and inaccurate reporting of my consumer credit report by EQUIFAX. From my research and understanding, they are in violation of 15 US Code 1681b - permissable purposes, which states that no credit reporting agency shall report anything on my credit report without my written consent. My written consent was not given so that makes this aggravated identity theft and a violation of my federally protected consumer rights.
Consumer complaint received 2021-04-07
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (WA)

On XX/XX/XXXX, approximately 3 days before closing MsXXXX XXXX XXXX provided me with an alleged break down of my loan payment information. She stated that my taxes will be {$7100.00} for the year when according to the County my taxes are currently {$1400.00} for the year 2021. 

Ms. XXXX is attempting to price gouge me and overcharge my taxes by {$5600.00}. She has been provided with the correct tax information and the county tax number for her reference and still she ignores the truth in an attempt to steal escrow. 


Her contact information is as follows : XXXX XXXX Home Mortgage Loan Processor ( SAFE ) Government Purchase Processing-VA, FHA NMLSR ID XXXX Wells Fargo Home Mortgage XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX AZ XXXX XXXX XXXX Tel : XXXX ext. XXXX
Consumer complaint received 2021-04-07
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: Experian Information Solutions Inc. (NY)

I have two hard credit pulls on my experian credit report. 
XXXX XX/XX/XXXXInquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX I did not authorize not one of these inquiries
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

This is for my XXXX credit card. I made a full balance payment of {$170.00} via phone payment in XXXX of XXXX The representative confirm that the full balance was paid, with no mention of any additional fees or charges. I was not notified that there would be any additional charges during the call that I paid the full credit card balance in XXXX. 

Later, I received a letter stating that I was months late on an apparent late fee so I called a representative in XXXX to correct the account. The representative cleared up additional late fee charges that they combined from XXXX to XXXX. I paid the late fee charge of {$65.00} from the {$170.00} payment I made in XXXX. 

As of today, my credit report reflects 120 days past due, which based on the facts above is incorrect.
Consumer complaint received 2021-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2021, we sent a {$2500.00} money wire to a fraudulent business. We kept the company thinking we would wire more money so they would keep the account active while we contacted Chase bank on XX/XX/2021, to report the fraud and request the wire be refunded. On XX/XX/XXXX, 5 full days later, they asked for " additional details '' which we gave, including attachments with information and proof of the scam. The next day we received a " reply '' which said literally nothing. Blank. I replied questioning where the message was for its inquiry and received a reply TWO DAYS LATER asking for the exact same information provided a WEEK prior. I repeated the information, all while keeping the scammers ' bank account open and ready for a payment we were supposed to be paying them. Same bank account, same phone number- SAME. Three days later on XX/XX/XXXX, we get a response saying they have just now opened a case on our issue. ELEVEN days later. Two days later on XX/XX/XXXX, we are told that the bank account that received the funds has been closed and the phone number is suspended. TWO WEEKS. We did everything to be able to get our money refunded and Chase took too long to get our complaint moving while the scammers ' account was open.
Consumer complaint received 2021-04-07
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: NAVY FEDERAL CREDIT UNION (VA)

XXXX issues with Navy Federal Credit Union : 1. I applied for a used vehicle loan for a motorcycle. I was told that within 30 days, the same credit report could be used for a used vehicle loan for a car instead. I am not being told that they can pull a new credit report although unlikely, and I have to agree to let them pull a new one. I can not see if they will use the old one first. They are forcing me to authorize another hard credit check when it will not be needed. 

2. I asked for a copy of the report used to determine my credit score with Navy Federal CU. They are refusing to provide me the report and instead are telling me to contact XXXX  for a report. I am asking for their report to determine if there are items on that report that are in conflict with XXXX, as XXXX XXXX score is significantly higher than NFCU 's score. 

These conversations are recording and verified recording by the manager I spoke with at XXXX on XXXX XX/XX/2021 I have been a member of this bank for XXXX  years and I have never been treated so poorly and coldly in my life. I am seriously debating terminating my business with them.