davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-30
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc (TX)

Hunter Warfield contacted me on numerous occasions after I advised them the debt they are contacting me about is not valid. I also advised them I have spoke to the company regarding that debt numerous times and it is a bill that I am not responsible for. I explained to a number of customer service agents that I am currently having health issues and please do not contact me anymore regarding that account. Not only are they calling me numerous times I received a call from a family member on Friday ; XX/XX/2020 stating Hunter Warfield called them looking for me. I have no idea how they were able to access her contact information to try to reach me. 
I want the phone calls to stop because they are starting to harass me and due to my current health conditions I am not in an emotional state to deal with this. I am not responsible for this debt and I have explained this to them many many times. I want them to cease the phone calls and emails to me and my family members.
Consumer complaint received 2022-09-02
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. (VA)

Deletion of XXXX XXXX XXXX to CFPB Lawsuit Case XXXX ; XXXX XXXX violated numerous FCRA Rights XXXX See attached lawsuit. It states that XXXX XXXX must be removed from my credit report.
Consumer complaint received 2022-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (MO)

I was involved in a XXXX accident on XX/XX/XXXX. This resulted in XXXX XXXX issuing a total loss payment in the amount of {$24000.00}. I have no complaint with XXXX XXXX. I received that payment and deposited it with US Bank on XX/XX/XXXX. On that date, I was provided a " Notice Of [ sic ] Hold '' document stating that {$24000.00} of that amount would be available on XX/XX/XXXX. I attempted to get a cashier 's check this morning ( XX/XX/XXXX ) and they declined, saying that the funds were on hold. They then provided me with another " Notice Of Hold '' document stating that the amount of deposit was {$24000.00} of which {$5300.00} would be available on XX/XX/XXXX, and the remaining balance of {$19000.00} would be available on XX/XX/XXXX. I did not make a deposit today ( XX/XX/XXXX ) for the amount of {$24000.00}. The new notice of hold is for 16 business days after the original deposit. 

Based on the original " Notice Of Hold '' I made financial plans to purchase a new vehicle today, XX/XX/XXXX. If I had written a personal check instead of seeking a cashier 's check, I would have bounced a {$24000.00} check which would have had severe consequences for me, especially considering it would have occurred on a down payment for a substantial loan. In addition, I had made vacation plans to visit people in other states that I will now need to cancel due to the fact that I am not able to purchase the vehicle today. This is all based on the XX/XX/XXXX original " Notice Of Hold ''. 

I attempted to speak with the branch twice and US Bank customer service on multiple occasions this morning and I was told that the teller was new and made a mistake. They apologized, but did nothing else after repeated attempts. They apology echoes hollow without any effort on the bank 's behalf to resolve the impact their errors have had on me and will have over the course of the next few weeks.
Consumer complaint received 2022-09-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (WA)

The purpose of this complaint is to inform your office of the fraudulent and unethical business practices of Caliber Home Loans ( Caliber. The complaint involves my Forbearance of my mortgage payment due to the COVID-19 pandemic. 

During ALL my communications with Caliber, I have been emphatic about what I was willing and able to do once my forbearance had expired ; resume my monthly payments that I was paying prior to the pandemic, with a final payment for the COVID-19 Forbearance balance due and payable at the end of the loan ( Deferment ). I never wavered from this stance from the beginning, and up to this point. 

It is my understanding that Caliber knew this ; yet what is apparent now, is that they ignored my requests and through gaslighting and erroneously papering the record the are demanding that I pay back the {$26000.00} in bi-monthly, extra payments, or refinance the entire loan at a higher interest rate. 

At this time, I would like to open this complaint against Caliber, and possibly XXXX XXXX XXXX out of XXXX, South Carolina. But, please be advised that I have additional information to provide, and willing to supplement this complaint as needed. 

Thanks XXXX XXXX
Consumer complaint received 2022-09-02
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)

I have 1 name XXXX XXXX XXXX I have 1 address XXXX XXXX XXXX XXXX Fl XXXX I want all other names on my calendar edit file removed I want any addresses other than the one listed here on my report I want them removed. I have tried to no avail to get my name fixed on my credit file I have submitted copies of my DL and SS and still they have not corrected my name. Equifax has had my name I. Several breaches and just recently admitted to not putting correct information on consumers credit report. I want my name corrected and address and for my name not to be in another breach with any credit bureau.This is in violation of my rights and fair credit reporting act. This is my final resort contacting your office to help me fix this matter
Consumer complaint received 2020-05-30
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 — Investigation took more than 30 days
Company: AmeriHome Mortgage Company, LLC (AZ)

I notified XXXX  that Amerihome Mortgage was erroneously reporting that our home mortgage was included in our chapter XXXX BK. The BK XXXX was confirmed by the trustee and the judge and was signed off by the attorneys representing XXXX Mortgage that we were not in arrears at any time and that we will continue to make our normal payments directly and not thru our trustee. XXXX Mortgage has at times reported that we were late numerous times and that is a flat lie. We have never been late on our mortgage and we can prove it with documentation that is available to their counsel from their own website and we can further prove it with copies of the cashed checks. To add insult to injury, they continue to report that our entire mortgage was claimed in our BKXXXX filing and that we have been late multiple times. Again we have reaffirmed the loan and signed off and the mortgage company, Amerihome Mortgage also signed off agreeing to everything I just typed. We feel the attorneys representing Amerihome Mortgage is just rolling as many billable hours as possible. We are not the enemy and we have been treated like we are trying to pull a fast one on the mortgage company. When we contact the customer service department at Ameirhome they couldn't be nicer but have said on numerous occasions that their hands are tied by the legal department. I notified XXXX  of the error in reporting our mortgage status and within 1 hour I was notified by XXXX  that they deleted the trade line from our credit bureau. Now it appears that if you ran our XXXX  Credit Report, we would have no mortgage loan or payment history. It was deleted like it never existed. Where do I go from here? Please help.
Consumer complaint received 2023-01-03
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. (MI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. (IL)

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 719transunion has me at a score around 590. 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 us rept 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 XXXX XXXX  daughter PLEASE HELP ME PLEASE im dXXXX  now.with no help.
Consumer complaint received 2022-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (OH)

Comenity Bank has experienced a service outage over the past month resulting in the following : -Three weeks of not being able to access the site to make a payment. They do not waive interest and only waived late fees for payments due during 1 of the three weeks. Meaning, most customers were charged late fees despite the payment due dates occurring during this outage. 

-The card continues to be declined while having enough credit and no payment due. 

-Customer service is nonexistent, the phone numbers either lead nowhere or to a person who drops the call. Social media publishes worthless automated responses. There is no method to contact the company and receive remediation.
Consumer complaint received 2022-07-14
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. (MI)

I am a consumer and natural person with a right to privacy, confidentiality, and fairness. In accordance with the Fair Credit Reporting Act, the consumer reporting agency has violated my rights with accounts listed on my consumer report : XXXX XXXX XXXX - # XXXX - XXXX XXXX XXXX # XXXX - 15 USC 1681 ( a ) ( 4 ) - As the consumer, I have a right to privacy.

15 USC 1681a ( 2 ) ( A ) ( i ) - A consumer report does not include transactions or experiences between the consumer and person making the report.

15 USC 1681a ( 2 ) ( B ) - A consumer report does not include any authorization or approval of specific extension of credit, directly or indirectly by the issuer of a credit card because it is used to obtain an extension of credit.

15 USC 1681b ( a ) ( 2 ) - A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681e ( a ) - A consumer reporting agency, shall maintain reasonable procedures and limit furnishing of my consumer report under 15 USC 1681b.

15 USC 1681e ( b ) - A consumer reporting agency shall follow reasonable procedures to assure the maximum accuracy of information on my consumer report.

15 USC 1681e ( e ) ( 1 ) ( B ) - My consumer report can not be procured for the purposes of reselling information without my written instructions.

15 USC 1681g ( a ) ( 1 ) ( A ) - A consumer reporting agency must disclose all information on my file, clearly and accurately to me.
Consumer complaint received 2022-07-13
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 2022-09-02
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: Certified Credit Reporting, Inc. (NC)

I personally did not authorize or submit to any inquiry or credit check from ANY of these companies. One company was even able to pull my credit file TWICE IN two days! I never approved or even attempted to have my credit pulled bc at the time I was highly financially affected by covid-19. From immediate family to extended family to myself. There was no way I could afford any big purchases that required credit pulling. I'm asking that ALL of these inquiries be IMMEDIATELY removed from EVERY CREDIT BUREAU due to fraudulent reporting and sensitive information misuse. This is immoral and illegal. I never spoke to these people, never met these people, let alone give out MY SOCIAL SECURITY NUMBER for items or services I KNEW I could not afford or maintain. This is an EXTREMELY URGENT matter that needs to be taken VERY SERIOUSLY. I am willing to proceed under a court of law if necessary.
Consumer complaint received 2022-09-02
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I had a car loan with Bank of America that was paid off in XX/XX/XXXX and replaced with a new loan for my new car. The old BofA loan has remained on my credit report. Tried to contact someone at the bank in XX/XX/XXXX multiple times to fix and wound up stuck in automated phone loop getting shifted from dept to dept.
Consumer complaint received 2022-07-13
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 an account without my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Names : XXXX, XXXX, XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Employers : XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX
Consumer complaint received 2022-09-02
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)

This complaint is foXXXX XXXX XXXX XXXX XXXX  from XXXX. We have tried to dispute a late/delinquent report on our credit and have tried multiple times with them not removing the derogatory report which is affecting our credit. We did a mortgage loan modification which at that time the rep told us we did not have to pay while in modification and didnt say it was going to affect our credit score. To this day, our credit report still says this account is XXXX days late which is now closed and they will not remove it stating that they have the correct information. 
We need this removed as soon as possible.
Consumer complaint received 2022-09-02
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: TRUIST FINANCIAL CORPORATION (NC)

I personally did not authorize or submit to any inquiry or credit check from ANY of these companies. One company was even able to pull my credit file TWICE IN two days! I never approved or even attempted to have my credit pulled bc at the time I was highly financially affected by covid-19. From immediate family to extended family to myself. There was no way I could afford any big purchases that required credit pulling. I'm asking that ALL of these inquiries be IMMEDIATELY removed from EVERY CREDIT BUREAU due to fraudulent reporting and sensitive information misuse. This is immoral and illegal. I never spoke to these people, never met these people, let alone give out MY SOCIAL SECURITY NUMBER for items or services I KNEW I could not afford or maintain. This is an EXTREMELY URGENT matter that needs to be taken VERY SERIOUSLY. I am willing to proceed under a court of law if necessary.
Consumer complaint received 2022-09-02
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. (AZ)

XXXX XXXX XXXX is fraudulently reporting on my consumer report without written consent or authorization to report. XXXX XXXX XXXX provided statements, but no signed contract between XXXX XXXX XXXX and XXXX XXXX giving authorization to report on my consumer report. Requesting that this company be removed from my consumer report immediately.
Consumer complaint received 2022-09-02
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. (TX)

In accordance with the Fair Credit Reporting act DEPT OF ED/XXXX Account # XXXX, and DPT EDXXXX Account # 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. 

In accordance with the fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report. 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2022-09-02
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. (MS)

all three credit bureaus are reporting that I have a balance. I have paid my mortgage off and have XXXX balance. Also, all three bureaus are reporting that I was 30 days late and I was given a foreberance for that month
Consumer complaint received 2022-09-02
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. (OH)

Experian Is Reporting 9 Accounts On My Consumer Report With Multiple Inaccuracies. As Well As 15 USC 1681 Section 602 A. States I Have The Right To Privacy. And 15 USC 1681 Section 604 A Section 2 : It Also States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions. I Have Not Given Them Written Instruction Nor Was I Notified Of These Accounts Before They Reported Them On My Consumer Report.