davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am looking at XXXX and this company is in clear violation. The loan balance for all 3 bureaus are showing inaccurate information and incorrect balances. I need this to be validated. Please send me the person you spoke to from the XXXX  and I don't want copies of no documents. I am requesting original documents which I am entitle to. Please remove this inaccurate information until you can show factual and valid information. I am enclosing proof from all different bureaus.
Consumer complaint received 2022-07-12
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-04-26
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (KY)

I fell behind in my mortgage payments starting in XXXX XXXX Household members which were helping pay for stuff where unable to get jobs due to covid. I was living on a strict budget & when this happened & EVERYTHING started to cost more, I fell further behind on everything. I applied for mortgage relief thru my servicing company Loancare. Since then I have had to apply twice & now looking towards the third time. Each time I have contacted them I was told I was missing paperwork. I immediately sent what was needed. XXXX weeks would go by & told again missing paperwork. I faxed, physically sent & emailed what was needed every time. After the first 2 months of going back & forth with Loancare I was told I was using the wrong email address- I was using the one that was PRINTED on the letter directly from them. XXXX mnths latter & still missing paperwork & paperwork unacceptable for various stupid reasons. From what Ive been reading from others this is the common practice with Loancare. Plus every time you call Loancare you have to speak to someone different all though I received a letter stating that a certain person was handling my account-they would never return my calls. When you call Loancare & finally get the Loss Mitigation department all you get is scripted responses for every complaint even thru their supposedly Supervisors.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act, XXXX, XXXX and Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 According to the 15 USC 1681 SECTION 602A. States I have the right as a consumer to privacy.

According to 15 U.S.C 1681- ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 


These addresses does not belong to me or belong my credit report. 

1.XXXX  XXXX XXXX XXXX XXXX, FL XXXX 2XXXX XXXX XXXX XXXX XXXX, FL XXXX 3XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 4XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 5XXXX XXXX XXXX XXXX XXXX, FL XXXX 6.XXXX  XXXX XXXX XXXX XXXX, FL XXXX 7XXXX XXXX XXXX XXXX XXXX FL XXXX This is not my date of birth XXXX These telephone numbers does not belong to me or belong on my credit report 1. ( XXXX ) XXXX 2. ( XXXX ) XXXX These names does not belong to me or belong on my credit report. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. My fico has me at a credit score over 709 Transunion has me at a score around 490. That is a huge difference. Transunion paints me as a XXXX. My fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rep but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX. PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (AZ)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXollection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Bankruptcy XXXX XXXX Bankruptcy XXXX XX/XX/XXXX Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Previous Address ( es XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Previous Address XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Previous Address XXXX es XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX Employers : XXXX XXXX Former XXXX XXXX XXXX Also Known As : XXXX XXXX Also Known As XXXX XXXX XXXX Employers : XXXX XXXX
Consumer complaint received 2022-04-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I got a letter dated on XX/XX/XXXX from Bank of America stating that they closed my account ( I never had a checking or savings account with bank of America ), I tried to call them but I couldn't reach to anyone to talk to because the letter only had that last 4 digit number of the account, but today XX/XX/XXXX I got another letter with a XXXX balance but it had the account number, when I called Bank of America ( fraud Department ), they told me the closed the account because of fraudulent suspicion, and the asked me to report it to FTC.
Consumer complaint received 2022-04-26
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. (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 USC 1681. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX has violated my rights. 



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

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC. (AZ)

Ive been able to access my Equifax account in the past without any issues whatsoever, even changing the password never had an issue. Today I tried to logon and was told my info was incorrect, I knew this was not the case but went to register for a new account anyway. When I tried registering it said that I already had an account, when I tried resetting the password it said no account exists. Then I was told I needed to mail in information to verify my account. I asked if there was a way to fax or email and was told that snail mail was the only option. Im being inconvenienced because of their lack of security measures and should not need to send in anything for verification when its not my fault my account is locked but rather their incompetent and inefficient security measures. The representatives were rude. I spoke with XXXX ( XXXX ) and a manager name XXXX XXXX ( XXXX ) thus took place today XX/XX/2022 at XXXX
Consumer complaint received 2022-04-26
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Real Time Group, Inc. (NV)

I received your letter today. In your response to my previous email you agreed that you will provide the requested information but now you are saying that XXXX has already provided the requested information. THIS IS INACCURATE and I DEMAND THAT UNDER RESPA ACT YOU PROVIDE ME UPTODATE INFORMATION FROM THE LOAN ORIGINATION up until TO DATE AND ANY MISSING INFIRMATION IN BETWEEN TIME PERIOD. 

I am again asking the following questions : 1. How did you arrive at the accrual balance of {$34000.00} on XX/XX/XXXX? 

2. What made you decide to start to present the accrual history spreadsheet from this date of XX/XX/XXXX until charge off date of XX/XX/XXXX? 

3. I would request that I be presented accrual history spreadsheet from XX/XX/XXXX ( my loan origination date ) through XX/XX/XXXX so I can reconcile the amount you are showing as accrual balance {$34000.00}. This will also show me how my payments from XX/XX/XXXX through XX/XX/XXXX in the amount of {$96000.00} was applied to arrive at accrual balance of {$34000.00} on XX/XX/XXXX. 

4. XXXX spreadsheet sheet XX/XX/XXXX through XX/XX/XXXX that you provided to me does NOT show the accrual history. 


5. In your letter of XX/XX/XXXX you mentioned that payoff balance as of XX/XX/XXXX was {$470000.00}. This included XXXX principal balance + {$160000.00} interest + {$11000.00} in fees. This would remain same and will not change in future. 

6.On XX/XX/XXXX I received XXXX letter saying amount due {$340000.00}. Can you please explain this amount due terminology? 


My questions pertain to RESPA request and a complete analysis must be given to the request made. I am copying this email to HUD Counselor who is authorized on my account to resolve the issues and has participated in the conference calls previously to settle this account. 

thank you. 


XXXX XXXX XXXX
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-04-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: KEYCORP (IN)

Keybank has repeatedly put the responsibility of obtaining title to a loan / lien that was paid in full for both a boat and a trailer.

It is regulated by the FDIC and the FTC as well as state governing banking agencies to release the lien on a paid off loan and provide proof.

It is also law to have a registered agent for service when you are an employer.

That RA does not have to be in the state doing business, it is the representative of the company, and we now live in Indiana. 
Your company will have to travel here when we sue you. 
We are going to complain to the FDIC, the FTC and your state banking commissioner as well as re open the CFPB complaint and expect monetary compensation for the process of trying to calmly and legally obtain legitimate documentation for title to the trailer for which you provided a loan. 
If you transferred this title then you need to provide that information as we have not received it, the original note ( attached ) shows you provided financing orginally for said trailer. Why are you not able to provide the title? You stated on the phone that we have to go to the state of California to obtain title, but you said the option has " expired '' in your letter so which is it? 
How this complaint is now not the same is you are putting the responsibility on us, the consumer, to obtain title for a trailer you financed and admit you did not provide final title and release of lien for, that is illegal. 
Before we simply asked for the title but now stating there is an expired timeline falls to you as well as if you sold this loan we were not notified. 
We demand all documentation of that sale, for the title of the trailer as well as your registered agent information in the state where you hold your company licensing, as well as the title for the trailer. 
If we can get it from California so can you. 
Since we were not notified of this change of title / ownership of the loan we expect due process from your company. 
As well, how are we to research this new loan / lender without information from you : i.e. no new loan number, no address, no name, no reference to the trailer? 
Since we paid the loan off after moving to Indiana you had our new address, we also had a forward from our old address and are friends with the new owners who have mailed us mail that did not forward. 
There is simply no excuse for this behavior or the fact that you dropped the ball, likely sold the loan, did not inform us and now are trying to place blame on us. 
Due process and normal course of business require you to act in good faith. 
We will not go away and the complaints will escalate and become bountiful.
Consumer complaint received 2022-04-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (AL)

This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. There has been unauthorized used of my information and credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX {$14000.00} Acct # : XXXX
Consumer complaint received 2022-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

1 ) Transunion and XXXX REFUSE to remove an account that was as a result of the XXXX breach, while XXXX removed the fraudulent account, despite me having a police report and complaints filed with the FTC and FBI. 
2 ) XXXX has my account listed with past due amounts, delinquencies, accounts not paid on time. I have 100 % EXCELLENT PAYMENT HISTORY. 
3 ) all three reporting agencies have credit inquiries on my report that were NOT authorized! REMOVE THEM NOW
Consumer complaint received 2022-04-26
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: Bread Financial Holdings, Inc. (ID)

Reported that account was 30 days past due. Made a payment before the cycle date. Account is no longer past due but reported payment late for XXXX.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

In accordance with the Fair Credit Reporting Act, the account below has violated my federally protected consumer rights to privace and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX  has violated my rights. 

15USC 1681 section 602 A. States I have a right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) section States : no consumer reporting agency may make any consumer report containing any of the following items of information of any adverse item/s of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 inacurate.
Consumer complaint received 2022-03-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Acra Intermediate Holdings, LLC (TN)

I started the process with XXXX XXXX around XX/XX/2022 working with XXXX XXXX. I had all of the initial paperwork submitted by XX/XX/XXXX. The process dragged on for almost 2 months due to internal operational issues to only be denied at the end. The frustrating aspect is that denial will likely be for something I communicated specifically about to the lender Day 1. The exact reason for denial has not been provided to me yet, the lender hit my credit report with 3 inquiries spread out which resulted in a ~XXXX point drop, and an appraisal was done which cost me {$750.00}. I was informed that currently the lender is denying everyone 's mortgages due to the company losing a ton of money when selling the bundled loans on the secondary market. In addition, I have not been provided with a copy of my mortgage application that was signed ( Even after a request ) nor I have I received a copy of the appraisal report which I requested. The net effect of this process is a XXXX point hit on my credit score, 2 months of wasted time, {$750.00}, and as a result of the time wasted ... higher interest rates which will result in potentially {$10000.00} or more in the difference on interest paid on a 30 year fixed loan product. It is very clear that this lender has no intention of actually pushing through mortgages which results in a XXXX poor user experience that results in wasted resources from top to bottom. The communication from the lender has also been painfully slow. I have called the lender over 120 times during this loan process to only have my calls picked up on about 6 or 7 total occasions. The rates communicated to me at the beginning of the process went up on me 3 separate times during the loan process since my initial conversation. It appears that once the agreement was signed to lock in the rate with the lender, the underwriting team is coming back and denying everyone application for any reason to shut down in additional losses coming through the pipeline. I would highly suggest everyone to not work with this lender in the future as they clearly have no desire to actually do mortgages.
Consumer complaint received 2022-07-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation (WI)

This is the second time I have lost my job while having the vehicle and struggling to make payments. I asked if there were options because according to their notifications and emails they offer assistance if you are experiencing a hardship and also informed them I have intentions of starting a new job next week to start making payments. They said the only way to stop the repossession is by making a payment. I also asked why they have a clause in their emails and notifications saying to inform them of your hardship so they can assist you. They do not have any programs available. So I said to the lady, basically that hardship and options in your emails are basically XXXX because you dont offer anything and she said yes.