davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-22
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 XXXX XXXX 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 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 XXXX 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 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 2022-06-30
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: Experian Information Solutions Inc. (TX)

FRAUD/IDENTITY THEFT WHICH HAS ALREADY BEEN REPORTED. I do NOT recognize these inquiries : XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  I Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I'm concerned about the unfamiliar inquiries on my credit report. I didn't authorize nor consent to these companies accessing my information or have applied to them, I'm trying to understand how and why this happened and it's causing me a lot of stress and anxiety.
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Made multiple attempts to resolve delivery issues with XXXX. I spent at least 6 hours on the phone with reps and supervisors. Each one would give a different scenario, or put me on hold and never return, or gave incorrect information, or made statements that were not truthful or inaccurate and just simply lacked common sense. The customer service is beyond horrendous. After hours on the phone and speaking to reps and supervisors, it was still not resolved and became more and more conflicting with each conversation. So while on the phone with the last supervisor on XX/XX/2021 I demanded to immediately cancel my account. After 13 years as a customer I want nothing more to do with XXXX. She confirmed cancellation. I then received the attached email. The email is a lie ; dishonest; erroneous and made up. This is unprofessional and substandard administration. I contacted Capitol One to ensure that correct and accurate information is placed on my credit report to reflect that my account was CANCELLED BASED ON MY REQUEST. Capitol One informed me that they are the financial side of XXXX and is responsible for reporting to the credit agencies but could only place on my report what XXXX told them. They could not change, alter or edit any information. This is to demand that XXXX, XXXX and Capital One place truthful and accurate information on my credit report.
Consumer complaint received 2021-07-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

PORTFOLIO RC HAS BEEN CALLING HARASSING ME AND TREATING ME & REPORTED FALSE INFORMATION TO THE XXXX XXXX  TO HURT MY CREDIT SCORE IF I DONT GIVE THEM CASH PAYMENTS AND MY SSN #. FOR AN ACCOUNT THAT I DO NOT OWN. THIS WAS A FRAUDULENT ACCOUNT & XXXX XXXX HAD REMOVED IT FROM MY CREDIT HISTORY & CLEARED ANY RESPONSIBILITY ON THIS FRAUDULENT ACCOUNT THIS FROM MY CREDIT HISTORY. PORTFOLIO RC HAS BROKEN CUSTOMER CREDIT LAWS FOR FALSE INFORMATION TO HURT MY CREDIT SCORE. XXXX XXXX HAD SENT ME A LETTER 4 YEARS AGO AND LAST YEAR THAT THIS ACCOUNT WILL NOT BE ON MY CREDIT HISTORY EVER AS THIS WAS A FRAUDULENT ACCOUNT, THAT SOMEONE STOLE MY INFORMATION. PORTFOLIO RC HAD NO RIGHT TO ADD THIS FRAUD INFORMATION TO THE CREDIT BUREAUO. I HAD WRITTEN A LETTER PAST 4 YEARS TO XXXX XXXX XXXX XXXX XXXX AND THEY BOTH AGREED TO REMOVE THIS FRAUD ACCOUNT FROM MY HISTORY. PORTFOLIO RC BROKE THE LAW AND ADDED THIS REMOVED FRAD ACCOUNT, THAT IS NOT MINE, IN MY NAME & THEY NEED TO REMOVE IT ASAP!
Consumer complaint received 2022-09-12
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: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. What's going on there at the CFPB and to Experian? This is so unbelievable! How can you guys let these multiple complaints pass? I know I have stated this again and again but I have submitted this complaint numerous times already and I have attached all the information and documents needed such as my DL, SSN, Proof of Address, the dispute letter I sent to the bureau, the FTC report which I filed on their website to prove that I'm an identity theft victim. What else do you guys want?! PLEASE DO NOT IGNORE my request and DELETE the accounts which I do not own. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXX XXXX Date OpenedXXXX  Balance XXXX {$1700.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}
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 — Account information incorrect
Company: Fidelity Properties Inc. (OH)

Credit reporting dates are absolutely wrong on my credit report Date last active and the date last reported are 2 different dates and that means its a violation and in my legal rights I can take legal action this is why Im making a complaint for inaccurate items on my credit report
Consumer complaint received 2021-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I Obtained a conventional loan from Citizens Bank where escrow was not an option. Discovered after the loan closed, I was incorrectly charged private mortgage insurance ( PMI ). I received instructions from Citizens on XX/XX/XXXX with conditions for PMI cancellation. Requested PMI policy cancellation and refund of money paid/escrowed on XX/XX/XXXX explaining I was charged PMI in error. Further explained I qualify for cancellation based on criteria Citizens sent under Option 2 : " if your loan is less than 2 years old the principal balance must be 80 % based on current appraisal '' My current appraisal that the bank utilized to secure the loan is {$150000.00} my loan amount is XXXX therefore my loan to value is under the 80 % threshold and I should not have been charged the PMI under Citizens own guidelines, I provided copy of all supporting documentation. My request to cancel PMI was unfairly denied with inadequate explanation.
Consumer complaint received 2024-11-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SYNCHRONY FINANCIAL (PA)

I am writing to formally request a refund in the amount of {$75.00} for my Pay Later loan account. This refund has been due to me since XX/XX/year>. 

Despite my patience, the delay in processing this refund is unacceptable. Synchrony Bank is prompt in sending threatening phone calls and harassing certified letters when payments are due, yet it seems unable to extend the same efficiency to returning funds owed to its customers. 

I trust that Synchrony Bank will act with the urgency and professionalism expected in this matter. Kindly confirm receipt of this complaint and provide a timeline for when I can expect my refund. 

Thank you for your prompt attention to this issue.
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: GOLDMAN SACHS BANK USA (DE)

On XX/XX/XXXX I applied for the Apple Card with Goldman Sachs after improving my credit tremendously by reducing my debt, removing inquiries, and resolving any negative items on my report. I was denied due to excessive inquiries and " delinquent accounts '' which I know was incorrect but I recently had my inquiries removed and remedied all deficiencies on my report. Today, I reapplied was given neither a denial or approval, I received an email stating that I applied too many times and my information could not be verified. When I called the Apple Card phone number listed in the email to have my application reconsidered, I was told that the representative could not see my application from today in her system ( despite me having an email response from that application ) and only way to receive reconsideration was to apply again. I have applied again and received the same response. Pursuant to 15 USC 1691, it is unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction and I am asking that my application be reconsidered. As I stated previously ; I do not have high inquiries on my report, my credit utilization is XXXX XXXX, I have no collections or charge off accounts. There is one closed account that has a comment of XXXX  days late and it is a student loan opened in XXXX  and reported lateness in XXXX  which was removed by the loan company but they did not remove the inaccurate comment of XXXX days late. If you were to review the payment grid for that account, it shows no incidents of lateness and is reporting inaccurately. I have no other late payments or derogatory accounts. I have perfect payment history.
Consumer complaint received 2021-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (OH)

I am XXXX XXXX and my account is being frozen because the navy federal said my voice sounds like I am not XXXX. There is no issue with my account. No one is accessing it without my permission. They froze my account and didn't make it available to me because they are saying that the voice doesn't sound like a XXXX year old. That is a matter of opinion and i have sent in the required documents and have waited for almost a month. During covid the closest branch to me is the XXXX, Ohio one and I haven't been able to get to it because it is not operating during the covid 19 season they are making it complicated for me to not pay my Bill 's. I need to access my account and need my funds and to use my account.
Consumer complaint received 2020-08-24
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. (TN)

I HAVE ASK THESE COMPANYS TO REMOVE THESE ACCOUNT BECAUSE THEY ARE DO TO A DATA BREACH WHICH MY INFO WAS EXPOSED.
Consumer complaint received 2022-09-22
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. (GA)

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are.

I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15U.S.C.Sec.1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts XXXX XXXX XXXX : Account XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit Report XXXX XXXX XXXX XXXX : Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXXXXXX XXXX XXXX Account # XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX XXXX XXXX : Account # XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX I also read where I can get the updated report after you investigate this from the Free Lawyer guy. 
Could you please send it to me Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter.
Consumer complaint received 2022-09-12
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. What's going on there at the CFPB and to Transunion? This is so unbelievable! How can you guys let these multiple complaints pass? I know I have stated this again and again but I have submitted this complaint numerous times already and I have attached all the information and documents needed such as my DL, SSN, Proof of Address, the dispute letter I sent to the bureau, the FTC report which I filed on their website to prove that I'm an identity theft victim. What else do you guys want?! PLEASE DO NOT IGNORE my request and DELETE the accounts which I do not own. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00}
Consumer complaint received 2022-09-22
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. (NY)

I applied for one personal loan and received multiple hard inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2021-02-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (NJ)

Please see complaint XXXX submitted on XX/XX/XXXX for historical data. 

I am attempting to refinance and the new lender informed me that the mortgage was not reported on my credit report. I contacted ShellPoint numerous times for resolution. They sent me a notice on XX/XX/XXXX that the error had been corrected. 

I verified with 2 of the CCB 's that the loan was now reflected on my credit report. 

In continuing with the Re-Fi I am now told that ShellPoint will NOT release the payoff information because I am not on the loan - yet they are reporting the loan on my credit report. 

I signed all of the documents at closing. The home is titled to : XXXX XXXX AND XXXX XXXX, Husband and Wife, AND XXXX XXXX, UNMARRIED, AS JOINT TENANTS WITH RIGHT OF SURVIVORSHIP.
Consumer complaint received 2021-02-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CT)

This XXXX  company can not remove forbearance status from my account even though I have asked these incompetent employees to fix this issues. I dont understand why is it so difficult to make my account in normal status. It is no longer in forbearance so why it showing this on their website. I can not even make a reoccurring payment because of this. Please fix this immediately or I will take legal steps and did a way to hold you accountable legally for my troubles.
Consumer complaint received 2022-09-22
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. (MI)

I sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also, I have attached the letter and the tracking # s. According to the FRCA The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was updated/remains/verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts is still reporting 100 % accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

List of inaccurate Accounts XXXX Account : XXXX XXXX XXXX Account : XXXX Us Dept Ed Account : XXXX XXXX Account : XXXX
Consumer complaint received 2022-09-22
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. (FL)

ID theft victim. These are the accounts that do not belong to me. im attaching an id theft affidavit. 

XXXXXXXX XXXX  XXXX {$570.00} XXXXXXXX XXXX {$5700.00} XXXX XXXX {$4600.00} XXXX XXXX XXXX {$2900.00} XXXX {$23000.00} XXXX XXXX XXXX {$350.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$7900.00} XXXX XXXX {$790.00}
Consumer complaint received 2021-02-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

The Company is SELECT PORTFOLIO, Because of a mixture of problems being unemployed then getting my job back, my job took away my salary away and now I work on XXXX XXXX XXXX and I XXXX XXXX XXXX XXXX XXXX, so XXXX  are not that happy about XXXX XXXX XXXX because of COVID, SPS put me on a Forbearance program and had told me that I would be able to make it up at the end of the loan. They now want me to start making it up in XXXX of this year my payment went from {$3300.00} to {$4400.00} starting in XXXX, I'm XXXX and besides my job income is right now at $ XXXX {$40000.00} maybe a month. The thing is they had said all along they would put this {$19000.00} at the end of my loan and they totally changed the rules and I will lose my house. I entered this program so they would balloon my payments to the back of the loan. And now I'm in the situation above. 
This is predatory and the lender is trying to get me to possibly do some sort of modification by bumping up my payment so I am hurt and can't make my payments
Consumer complaint received 2022-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: U.S. BANCORP (MO)

How does a XXXXXXXX XXXX XXXXXXXXXXXX XXXX  corporation, US Bank, take money from a working class man, who's enrolled in a debt resolution program, XXXX XXXX XXXX, and has US Bank listed as one of the creditors they're working on settlements with? On Tuesday, XX/XX/XXXX, my account ending in XXXX was debited {$960.00}. I immediately called the fraud department, they couldn't find where it went, but took the report. I went to a nearby branch, and they discovered US Bank had taken it. Again, I'm enrolled in a debt resolution program, since XX/XX/XXXX, and they're working with US Bank!! I called one of there XXXX # 's and was assured US Bank doesn't take money from your account without permission. On Thursday, XX/XX/XXXX, I talked to XXXX XXXX, Recovery Charge-Off Department for Loans supervisor. We talked 18 minutes about me being enrolled in program with XXXX XXXX XXXX. She said, " If XXXX XXXX XXXX contacted them, they would consider refunding the money. '' To add insult to injury, on Friday, XX/XX/XXXX, my account ending in XXXX was debited for {$1100.00}, putting my account at- {$110.00}, and being charged a {$36.00} overdraft fee, after speaking with XXXX XXXX a day earlier. I thought after banking with them for almost 20 years, having a simbiotic relationship and being enrolled in program, relationship would continue. I'm devasted, in dire straits, after having {$2100.00} taken in a matter of days!! I can not pay rent, utilities, car note, insurance, gas, groceries, cell phone, pick-up needed medicine or buy lunch. PLEASE HELP!!