davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Experian Information Solutions Inc. (CA)

On XX/XX/2022 i sent Experian a complaint letter certified mail, which i was notified when they received it. It has been almost 30 days and the items still remain on my report and I have not received a response from Experian. Experian is in violation pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft within 4 business day upon receiving all necessary documents which i have attached to this complaint along with the complaint that was mailed to Experian.
Consumer complaint received 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery Associates referred to hereafter as " PRA '', owns an old XXXX XXXX credit card account debt from XXXX. On XX/XX/XXXX, I received several letters from PRA that contained a few copies of some of the XXXX XXXX monthly statements ( none in any type of order ). On XX/XX/XXXX at XXXX XXXX   Eastern Time, I called PRA ( spoke to a rep named XXXX XXXX and her supervisor ) to inform them that they are reporting incorrect information because based on the XXXX XXXXXXXX statements, the account was charged-off on XX/XX/XXXX and based on XXXX XXXXXXXX policies, accounts are charged-off 6 months after the date of first delinquency ( DOFD ) if there are no attempts to bring the account current. The supervisor ( did not get her name ) informed me that the DOFD according to XXXX XXXX was XX/XX/XXXX but PRA purchased the debt XX/XX/XXXX and that's the new DOFD. I explained that they aren't allowed to change the date but she claimed to not understand what I was saying. She eventually told me I could just dispute the debt again but their Dispute Department was closed for the day. After getting off the phone with her, I called back ( XXXX XXXX ) to request that the information regarding the true DOFD be emailed to me, I spoke to a supervisor by the name of XXXX. He informed me that my issue was above his title and the only thing he could do was accept payment for the account, I declined. I then called XXXX XXXX ( XXXX @ XXXX XXXX ) to request copies of the credit card statements. I spoke to a rep named XXXX ID : XXXX and she informed me that they no longer have access to that information since the account was sold to PRA. She was able to tell me that the account was charged off on XX/XX/XXXX, I then asked for confirmation that accounts are charged-off 6 months after non-payment, she confirmed. All I am asking is that the DOFD be updated to reflect the correct information of XX/XX/XXXX but I am unable to get any assistance. I have disputed this several times with XXXX, XXXX, and XXXX but I have not gotten any results. I even tried to call XXXX again after getting off the phone with XXXX XXXX  the automated system stated that I should be able to speak with a rep if I hold for " greater than 2 hours. ''
Consumer complaint received 2016-11-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Timothy C. Runyan, P.C. (MI)

The plaintiff said that my wife 's part of this debt was discharged but my part of this debt was not, i, had no part of this debt, he cleverly took upon him self to give me a part of this debt, and will not prove it., neither no contract, i had nothing to do with this debt, somewhere I keep reading that he has a duty to show me how when and where I accepted or own this debt.i have to fight this because it 's my right. Even this false judgement.
Consumer complaint received 2024-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (TX)

I received an alert on my credit report from a collection company. 
This collection company does not answer the phone. 
That account is not mine and is the product of fraud. 

Account name TRANSWORLD SYSTEM INCXXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/2024 Status Collection account. {$700.00} past due as of XX/XX/2024. 
Status updated XX/XX/2024 Balance {$700.00} Historical info Original creditor XXXX XXXX XXXX XXXX Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, DE XXXX
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: WELLS FARGO & COMPANY (MA)

While searching for mortgages to buy a house, it was discovered that my XXXX Score-2 was less than adequate. It seems that Wells Fargo has stopped reporting that I pay my student loans to the credit reporting companies. The last report was made on XX/XX/2018. I have continued to pay, but the non-reporting by Wells Fargo shows delinquent payments on my credit report. I have disputed these claims against me multiple times via XXXX. Over three years of paying Wells Fargo for my student loans and they have not reported the payments, tanking my credit. Wells Fargo has sold their student to XXXX, whom I have not heard from to service the payment of my student loans.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

XXXX  XXXX XXXX is reporting Charge Off accounts on my credit report repeatedly placing the CO Mark every month, this is not correct as they keep updating the account every month. I have already communicated with the bureaus and they say that they investigated and everything is fine, which I doubt since I still see many errors. 

And I have the same problem with Wells Fargo too
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. (NY)

I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX
Consumer complaint received 2015-06-05
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

on XXXX/XXXX/2015 Bank of America processed a Debit for Charged Off Credit card Account. without any prior notice given to me. I am the owner of this account. when I asked the bank for an explanation they say that my son was a co-owner on the account therefore they can take the funds without notice. he is the person we owes the money. I informed them that I need this money for my mortgage, and that I am the owner of the funds, not my son, but the bank will not refund my money. I do n't know what to do its a credit card that my son was trying to negotiate payments on. PLEASE HELP!! thank you XXXX
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

This unconfirmed accounts listed below continue to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be validated ( A ). I will take legal action against you if you do not guarantee this account. Please follow the law so that this situation can be settled quickly : XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00}
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. (NY)

I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX  XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-10
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: Experian Information Solutions Inc. (TN)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 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 investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. 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 XXXX data breach and may have  got into the hands of the wrong person.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc. (TX)

XXXX XXXX builder credit They unlawfully kept my account open after I requested it be closed. I had another account with them that was closed good standing. So when they said I had a balance on credit card I knew straitaway it was fraudulent because I never purchased anything. They also had so many different balances first they said I owed {$17.00} then it went to something I purchased ( I never used card ) and never late my account was supposed to be closed XX/XX/2022 after I realized it was open still. So they did remove the balance I didnt owe because it was fraudulent, but this company still havent removed the inaccurate late reporting on my account which is XXXX  they have me as I was 60 days late never and they were supposed to have my account closed. They also sent me a check of {$47.00} saying I overpaid ( and removed the fraudulent charges but never removed the inaccurate late payment reported on my account. Im requesting that the inaccurate late reporting be removed. I was never late. The account was supposed to be closed. Its closed now. But they need to finish their job and get those late payments off my credit profile or Im seeking a lawsuit against self credit builder. Its sad because its a credit ( secured ) card that is promoted everywhere so you wouldnt think this would happen. Please fix this
Consumer complaint received 2015-03-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

We have been working or a Short Sale for Select Portfolio Servicing for a Loan for XXXX Bank Loan No. XXXX for XXXX XXXX at XXXX XXXX XXXX, XXXX, Florida XXXX. We had an approval letter that expired on XXXX/XXXX/2015 we asked for an extension on XXXX/XXXX/2015 with a credit toward closing cost and provided how the roof has no life left and the plumbing needs to be all re done. 
We were told on XXXX/XXXX/2015 that it would be XXXX business days. Then we were today XXXX business days. We were contacted by a lady named XXXX from XXXX on XXXX/XXXX/2015 asking for changes to the HUD and saying we should have approval by Friday XXXX/XXXX/2015. We called each day and then on Friday we called and were told by XXXX XXXX at EX XXXX that a manager would contact us by XXXX EST. Ofcourse, this did not happen, we called back to be told by XXXX XXXX a Manager that the file for extension was declined on XXXX and that us resubmitting on XXXX/XXXX/2015 is too close to the short sale date of XXXX/XXXX/2015. I have had many files with XXXX and know this is how they do this. I advised them on a recorded line that they were going to pull this game. 

This is not working for the homeowners or for the best interest of the economy. You have a ready willing and able buyer to purchase a run down property and make it habitable and the Banks are not willing to proceed. 
The Offer on this property is XXXX with a Net to the Bank XXXX XXXX on a Loan amount of XXXX. I would say the numbers work on this.
Consumer complaint received 2023-05-07
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. (CA)

There are late payments being reported inaccurately on my 3 consumer reports. They're all reporting something different ( XXXXEQ ). I have reached out to all creditors and 3 bureaus and all give me the run around
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. (NY)

I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX  XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX
Consumer complaint received 2024-05-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

XX/XX/year> - Transactions Referenced : First Transaction : Transaction ID : XXXX Dispute ID : XXXX Amount : {$500.00} Transaction Date : XX/XX/year> Buyer Name : XXXX XXXX Second Transaction : Transaction ID XXXX XXXX Dispute ID : XXXX Amount : {$170.00} Transaction Date : XX/XX/year> Buyer Name : XXXX XXXX On XX/XX/year>, I received two emails from Venmo regarding a buyer dispute from XXXX XXXX. The transactions were marked under " Seller protection '' by the sender, XXXX XXXX. The dispute indicated that XXXX XXXX did not receive a product or service. I requested Venmo to provide proof that there was a product or service expectation by the buyer by either showing proof of a receipt or an agreement of exchange monetary funds for a service or good. Neither Venmo nor the credit card company was able to provide the requested information. Instead, they automatically debited my account for {$670.00} without reasoning or proof of the lack of product or service. The consumer did not submit any documentation because XXXX XXXX did not initiate any product or service dispute, and I provided proof of the conversation between XXXX XXXX and me, along with proof that similar Venmo transactions occurred months prior with similar references. I explained that XXXX XXXX and I have a personal relationship, and he is sending the transactions to support his child. Venmo did not comply with providing me proof of a product or service transaction and ruled in favor of the credit card company despite XXXX XXXX and I requesting for Venmo to rule in my favor. Venmo did not find any proof of a service or buyer receipt, nor did they comply with their buyer protection regulations. I am requesting that Venmo provide proof that a service or product was the subject of this transaction and provide me proof of what item was supposed to be " shipped '' according to the buyer. Additionally, provide proof that the buyer ( not the credit card company ) initiated this transaction, and I would like to see proof of the dispute. I have yet to receive any documentation providing proof.
Consumer complaint received 2023-05-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IA)

I have submitted an FTC report to get items removed. They keep verifying it, and not deleting it. I have tried getting resolution with these creditors via certified mail, but keep getting ignored. You are committing identity theft and fraud! Delete these items.
Consumer complaint received 2023-01-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA (WA)

I received a letter stating that my XXXX application was denied. I provided proof that I have over XXXX XXXX of public service. However, the letter stated that I did not make any payments during my public service employment from XXXX - XXXX. I applied for the XXXX and limited waiver, not the regular XXXX  program. I would like my application to be reevaluated under the correct program.
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: Bread Financial Holdings, Inc. (AR)

In XXXX of XXXX, I paid the remaining {$270.00} balance on my Victoria 's Secret card leaving me with a {$0.00} balance. The following month, XXXX, I received a bill for an interest charge on a {$0.00} balance. I reported the charge on XX/XX/XXXX and never heard back. The company continued to charge me late fees and report to XXXX docking my score XXXX points each time. This has totaled to roughly XXXX points. I sent a dispute through XXXX again which was in favor of Victoria 's Secret. I then called the company ( VS ) on XX/XX/XXXX to ask about the charges. They instantly removed all charges however that does not correct my score nor have they removed the charges. My score was damaged due to false and fraudulent charges on a {$0.00} and falsely reported as " accurate '' when I filed my dispute with XXXX both times. The company ( VS ) told me they would send a letter to XXXX stating they were incorrect and to correct my score due to their false charges. I have yet to see any of that and I still see a late payment on my score. 
I have had this card for over 10 years and have never had this happen when paying the card off. This is unacceptable! Falsely adding charges to someone's credit card then lying to a credit report company is fraud and false reporting of one 's credit.
Consumer complaint received 2019-02-21
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. (NC)

I am having a problem with Equifax taking a charge off from XXXX XXXX off of my credit report. The account is not mine and I have never done business with them ever. They are located in Tennessee and that is where my son 's ex wife lives and she has gotten money in my name and has done this several times as we had no idea about it until she left and went back to Tennessee. We are still paying the price for what she did when she was married to him and taking our social security numbers and other forms of ID to get money in our names. I am sick and tired of trying to get this removed from my credit report and would appreciate some help with this. Thank you for your time and for the help in getting this issue resolved. I have contacted Equifax numerous times to get it removed and they refuse to do so. I don't have a phone number to call them at or I would be on the phone with them already and get this taken care of. I know they have had a security breach but that should have already been fixed and yet I am still having to fight with them to get this taken off. I would appreciate any help you can give me on this. Thank you again and I hope this time will be the last time I have to deal with this.
Consumer complaint received 2015-03-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

I contacted Select Portfolio, my mortgage servicing company, in order the obtain a letter entailing the amount I need for reinstatement to avoid eminent foreclosure. They sent a letter of reinstatement, but it did not state that this amount was the amount needed to avoid eminent foreclosure. When I contacted them to inform them of this, they related that they do n't write letters of this nature. They also stated that they are not in the processing of foreclosure upon my property, but 'in litigation '. I was confused. " Foreclosure is the legal process in which a bank or other secured creditor sells or repossesses a parcel of real property after the owner has failed to comply with an agreement between the lender and borrower called a 'mortgate ' or 'deed of trust ' ". Since they are in the process of trying to force a sale of my house through the courts, and represent XXXX bank, how can they say that I am not in danger of eminent foreclosure? They further directed me to make a payment immediately. I am unsure where that payment would go nor am I sure it would be used to avoid eminent foreclosure. I am in the process of getting help to work with the bank, but they do n't seem interested in working with me. They said all of our conversations are recorded, so there should be no discrepancy as to each conversation that transpired.
Consumer complaint received 2015-12-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been working with my creditor XXXX credit union regarding my credit card account showing that i am 60 days late. They have sent documentation as well as tried to correct the mistakes on my credit report. I have also sent in this information and the credit agency continues to report the late payments. They have prevented me from getting housing because these late payments are showing incorrectly, and they will not accept the documentation that myself and the creditor are trying to submit. My next step is to sue the agency because they will not correct this information and this documentation has been submitted to them on numerous occasions since XX/XX/2015.