davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-29
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-07-02
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: Experian Information Solutions Inc. (FL)

I am speaking to XXXX XXXX XXXX, EXPERIAN, AND XXXX! 
For almost four months now I have been fighting inaccurate scores based on XXXX XXXX careless actions and i'm XXXX sick of this. This battle has taken a tremendous toll on my health and financial well-being! I am submitting two separate complaints as there are two issues that has occurred relating to the same but I NEED TO BE CLEAR BECAUSE THIS HAS GONE ON LONG ENOUGH!!!!! 

IN XXXX, XXXX submitted a code to XXXX, EXPERIAN, and XXXX to update a remark after a Federal Disaster ended. I found out yesterday that the code they submitted to you " CN '' is the same code they submit when a loan holder 's account is in a current loan modification status. MY ACCOUNT IS CURRENT!!!! MY Loan Modification was in XXXX! Where is the common sense in using the same code for people in a current Loan Modification status and someone whose account is current, but needs remarks updated about a previous loan modification status? There is no sense in that! 

It all comes down to the code that XXXX submitted in XXXX that started all of this! XXXX, XXXX, AND EXPERIAN have still not recovered my scores they way they were before XXXX submitted that code in XXXX! I initially lost 54 points from XXXX, 41 from Experian, and 34-41 points from XXXX. MY ACCOUNT IS CURRENT AND HAS BEEN FOR THE LAST THREE YEARS!!! There are no words to describe how XXXX  this nightmare has been since XXXX submitted that code in XXXX XXXX. A code that was simply to update a remarks however put my credit score in a devastating tail spin that has prevented me from getting the best insurance rate and the best rate after my promotional interest rate expired on my HELOC. Most importantly XXXX XXXX, XXXX, EXPERIAN, AND XXXX you took away my peace of mind and all of the hard work I've put into building a credit score that I was very proud of. 

I now have an attorney as this was too much for me to endure alone. XXXX, XXXX, XXXX AND EXPERIAN have violated my rights as a consumer under the Fair Credit Reporting Act.
Consumer complaint received 2024-10-13
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. (NJ)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2020-07-02
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: EQUIFAX, INC. (FL)

I am speaking to XXXX XXXX EQUIFAX, XXXX, AND XXXX! 
For almost four months now I have been fighting inaccurate scores based on XXXX XXXX careless actions and i'm XXXX sick of this. This battle has taken a tremendous toll on my health and financial well-being! I am submitting two separate complaints as there are two issues that has occurred relating to the same but I NEED TO BE CLEAR BECAUSE THIS HAS GONE ON LONG ENOUGH!!!!! 

IN XXXX, XXXX submitted a code to EQUIFAX, XXXX, and XXXX to update a remark after a Federal Disaster ended. I found out yesterday that the code they submitted to you " XXXX '' is the same code they submit when a loan holder 's account is in a current loan modification status. MY ACCOUNT IS CURRENT!!!! MY Loan Modification was in XXXX! Where is the common sense in using the same code for people in a current Loan Modification status and someone whose account is current, but needs remarks updated about a previous loan modification status? There is no sense in that! 

It all comes down to the code that XXXX submitted in XXXX that started all of this! EQUIFAX, XXXX, AND XXXX have still not recovered my scores they way they were before XXXX submitted that code in XXXX! I initially lost 54 points from Equifax, 41 from XXXX, and 34-41 points from XXXX. MY ACCOUNT IS CURRENT AND HAS BEEN FOR THE LAST THREE YEARS!!! There are no words to describe how hellish this nightmare has been since XXXX submitted that code in XXXX XXXX. A code that was simply to update a remarks however put my credit score in a devastating tail spin that has prevented me from getting the best insurance rate and the best rate after my promotional interest rate expired on my HELOC. Most importantly XXXX XXXX, EQUIFAX, XXXX, AND XXXX you took away my peace of mind and all of the hard work I've put into building a credit score that I was very proud of. 

I now have an attorney as this was too much for me to endure alone. XXXX, EQUIFAX, XXXX AND XXXX have violated my rights as a consumer under the Fair Credit Reporting Act.
Consumer complaint received 2020-07-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: UMPQUA HOLDINGS CORPORATION (ID)

I have been dealing with first Pacific funding. XXXX was the guy I was dealing with. I thought he was a lender later to found out from Umpqua Bank that he's a Salesman never told me that. I m financing a XXXX XXXX XXXX XXXX XXXX for my XXXX. Purchase price was {$49000.00} that was with Idaho State Tax. He said he could get me 9 % interest rate on a loan with no prepayment penalties. I told him I thought that was high for having a XXXX credit score and paying off some previous equipment. He said I didn't have a long enough history, more lies. I was kind of in a pinch and was going to lose this XXXX XXXX if I didn't get something done. 
So I proceeded and he sent the paperwork over. I thought I was getting 36 month term at {$1200.00} a month. I went to make the first payment XX/XX/XXXX. It said 60 months. I realize the balance was {$71000.00}. My heart dropped. I immediately tried to get ahold of XXXX no answer I emailed him twice never heard anything back. I finally heard back from a manager named XXXX XXXX. Only to tell me that I'm pretty much stuck with it and I signed the paperwork I said what paperwork. He sent it over. There was a quite a few things not right on it looked like the year XXXX my address was wrong, also wrong phone number and the signatures look different. They didn't have anybody sign their box. This company has been ruining businesses and people 's lives for 44 years it needs to stop.
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

They TransUnion told me the information is accurate but it can't be. I feel they don't have all the information as the other credit bureaus and it's causing me to not be able to find housing because every housing pause from different credit bureaus and this is hurting me.
Consumer complaint received 2021-09-15
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. (NY)

I have written several letters to Trans Union about removing the XXXX XXXX XXXX account completely off of my credit report. There are several innacuracies on this account that are illegal reporting. 
-Trans Union reported date closed : XX/XX/XXXX -XXXX reported date closed : XX/XX/XXXX -XXXX has no date reported at all. 
XXXXTrans Union reported last payment XX/XX/XXXX XXXX reported last payment XX/XX/XXXX -XXXX has no date of last payment at all -There is still a balance. There should be no balance on a charged off account. 
-There is also a recent payment of {$0.00} and is still being reported as passed due amount on a charged off account that is closed. 

This information is unverifiable and in the letters I received back from Trans Union states the same thing over and over, that they have verified the information and changed any information that was verified. They have not provided any proof or verifiable information other than a standard letter that they keep mailing out so that they do not miss the 30 day deadline response. I keep getting the same generic letter repeatedly, which to me shows they are not investigating this properly, after several attempts. 
Not to mention they have different dates for " dates closed '' which means they have made up their own dates in re-aging the account itself. It is illegal for them to have mis-information and information that does not match on all 3 credit reporting agencies. If they are not able to verify information accurately then the account needs to be removed completely off of my credit report. 
Enclosed are the letters I wrote with my proof and explanations, a copy of the reports and a copy of the same letters I keep receiving in response to my complaint.
Consumer complaint received 2022-12-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

We contacted the mortgage company to notify them of the homeowners death. The home owner had a mortgage life policy added back in 2001 when she got the mortgage. The company does not want to acknowledge the policy. The mortgage life insurance company no longer goes by the name on our form. The mortgage company is denying any assistance or acknowledgement despite sending them copies of the form. We were never notified of any change in policy. We were robbed of an opportunity to properly protect assets. We trusted the mortgage company to do what was contracted. They are not honoring the original agreement.
Consumer complaint received 2022-07-14
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: JPMORGAN CHASE & CO. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, JPMCB CARD XXXX, JPMCB CARD XXXX
Consumer complaint received 2022-06-14
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)

I, XXXX XXXX, am a federally protected consumer and I am filing this complaint against XXXX XXXX. XXXX XXXX is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that XXXX XXXX is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that information furnished must be in accordance with the written instructions of the consumer. I, the consumer, never gave XXXX XXXX any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following inquiry is being fraudulently furnished. I did not authorize, benefit from, nor consent to this inquiry and I demand it be removed from my consumer report immediately : XX/XX/2021 ( XX/XX/2021 ). If this inquiry is not removed, I will hold XXXX XXXX  criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. This negative item on my consumer report is preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If XXXX XXXX can not provide to me a copy of when I sent a written permissible purpose to validate this inquiry, I demand for it to be deleted in 4 days. Enclosed is the FTC Identity Theft Report which states the above mentioned inquiry that is being fraudulently furnished.
Consumer complaint received 2022-12-12
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: TD BANK US HOLDING COMPANY (AL)

15 USC 1681 Section 602 state I have the right of privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose. 

In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights
Consumer complaint received 2023-07-08
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. (NM)

I have items passed on that should be taken out or blocked by EQUIFAX AND XXXX CREDIT BUREAUS. Per FCRA segment 605, EQUIFAX AND XXXX Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT AND DO THEY JOB PROPERLY. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that EQUIFAX AND XXXX Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX  XXXX Balance : {$700.00} ; XXXX  XXXX Balance : {$440.00}.
Consumer complaint received 2024-11-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: RoundPoint Mortgage Servicing LLC (CA)

I received {$100000.00} from XXXX XXXX XXXXXXXX plan. I am a person with a XXXX and my home is modified. They were trying to do everything possible to keep me in my home. 
The funds were actually paid to XXXX on XX/XX/year> they were applied on XX/XX/year> The mortgage was flipped over to Roundpoint Mortgage. I was told if I did not sign a 40 year mortgage yesterday, I would lose my house. It does not make sense. I only had 17 years left on my mortgage at a XXXX rate my balance was {$350000.00} on my dashboard with RoundPoint on XXXX XXXX. There shouldve been plenty of money from the XXXX XXXX XXXXXXXX program to get me fully caught up and not have to go backwards into a 40 year mortgage.
Consumer complaint received 2021-07-04
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: Experian Information Solutions Inc. (AZ)

I have access to the three reporting agencies : Experian, XXXX and XXXX. 
Of the three, Both XXXX  and XXXX have me with a score of XXXX! 
That is a very respectable score. 
When I go to my Experian site it keeps telling me they can not show my score yet because I don't have one! 
This is hurting my overall credit and my abilty to obtain new credit cards and accounts, which I can use to improve my overall credit. 
I am told by all three that I need more accounts and age of accounts to improve my score. I need a couple more decent unsecured credit cards but can't get them because Experian will not put my score on the site and most creditors use Experian. 
They have in a round about way, offered me a score if I pay them a monthly fee. This is XXXX! 
I have enclosed snapshots of my XXXX  and XXXX  score as well as what Experian shows to any creditor that is looking at Experian for my credit! 
My credit history though short is PERFECT! Perfect..No derogatories ... .etc. 
This is why President Biden wants to take this Power away from them and place it in your responsible hands .... 
It is like Myself and people like me are being held hostage! They want money to show my score! This should not be tolerated not allowed! 

IT IS VERY INTERESTING TO NOTE THE FOLLOWING. 
EVERY SINGLE TIME I LOG INTO MY EXPERIAN ACCOUNT THEY FORCE ME TO CLICK TWO TIMES TO GET TO THE SITE. 
WHY? BECASE AFTER THE LOG ON ATTEMPT THEY PUT ME ON A PAGE OFFERING TO UPGRADE ME AND HERE IS A CUT AND PASTE OF PART OF THE OFFER. 
NOTICE THAT I AM OFFERED THE THREE FICO SCORES WHICH THEY WONT GIVE ME ON MY REGULAR FREE MEMBERSHIP AND TELL ME IT IS NOT AVAILABLE..BUT IF I PAY I CAN GET THE FICO SCORE FROM THEM ... ... 

THEN I HAVE TO CLICK ON THE " NO KEEP MY CURRENT MEMBERSHIP BUTTON AND AM THEN DIRECTED TO LOOK AT MY CREDIT AND MY ACCOUNTS AND THEIR STANDING. 

Upgrade your membership to include : Annual 3-Bureau FICO Scores* 3-Bureau Credit Monitoring and Alerts Daily FICO Scores Based on Experian Data Increase your FICO Score with Experian Boost FICO Score Tracker Experian CreditLock with Alerts Lost Wallet Assistance Credit Cards and Loans Matched for You XXXX  AND XXXX  OFFER MY SCORE FOR FREE ... .WHY IS EXPERIAN EXTORTING ME? 
THE THREE AGENCIES GET MY SCORE FROM THE SAME PLACE SO HOW CAN EXPERIAN SAY THAT MY SCORE IS NOT AVAILABLE? THEY ARE LYING TO GET ME TO PAY {$14.00} A MONTH FOR IT. 

PLEASE GET THEM TO PUT MY SCORE ON THE SITE SO THAT CREDITORS SEE IT WHEN THEY LOOK AT MY CREDIT.
Consumer complaint received 2022-12-31
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. (NC)

I ordered a copy of my report in XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, TransUnion has not responded answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX : XXXX  I believe it was reporting in error.
Consumer complaint received 2022-09-16
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 im XXXX now.with no help.
Consumer complaint received 2024-11-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Shellpoint Partners, LLC (OH)

NewRez LLC stated that on XXXX XX/XX/year> that they sent back the payoff on our home loan due to a shortage. Upon contacting the title company in XXXX AZ, the escrow person named XXXX XXXX said she was never notified of the shortage and that no wire transfer was received by her company. We have attempted to find out where the funds were sent by NewRez LLC when they kicked it back and we were told XXXX different stories of what may have happened, including XXXX supervisor who said they don't have to track wire transfers. Under the Bank XXXX XXXX XXXX XXXX IS REQUIRED to account and due diligence when conducting wire transfers. The amount was over XXXX.
Consumer complaint received 2023-01-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I am a victim of a scam. My chase account was compromised, I was contacted by someone claiming to be chase XXXXXXXX XXXX  and provided all of the information needed to complete a wire transfer on XX/XX/2023 in the amount of {$8500.00}. Chase is holding me accountable when I am a victim of a scam.