davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Loan Center, Inc. (NC)

Used XXXX to research refinancing my mortgage. 

# 1 ) Immediately afterward received 30+ phone calls from different companies. Website said they would use email to communicate not phone. # 2 ) I've had two people come to my house saying that XXXX told them I wanted to sell my house. # 3 ) I've received 2 calls and my father-in-law has received a phone call saying that they were told I'm looking to sell my house. 

From what I can tell XXXX has just given my information out to anyone. My understanding was that they were sharing this with banks not any Joe off the street. 

The people who are calling me are extremely aggressive yelling at me for not working with them. Really crazy stuff.
Consumer complaint received 2022-09-26
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. (MS)

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 .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 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 severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Background : My wife and I filed for chapter XXXX bankruptcy in XXXX. Meeting of creditors was XX/XX/XXXX. In XXXX of XXXX, we petitioned to convert to a XXXX due to income changes. We converted back to a XXXX in XX/XX/XXXX after my income went up due to a new job. It should also be noted that I have an auto loan through XXXX that is paid outside of the Plan and all payments have been on time ( as accurately reported on the credit report by XXXX ) Issue : I had an unsecured credit line with XXXX XXXX XXXX XXXX ( aka XXXX XXXX XXXX XXXX XXXX XXXX ) included in the bankruptcy. Starting in XXXX of XXXX ( after the XXXX meeting concluded ) XXXX began reporting the account as late/delinquent, though they were receiving distributions from the trustee and my payments were all on time. Additionally, the account is reporting 'open ', instead of 'included in bankruptcy '. I filed disputes with all 3 credit bureaus, twice, disputing both the delinquent payments and account status. XXXX has refused to make any changes. None of the other creditors included in the bankruptcy are reporting the accounts as past due or open. 

The new job I started in XX/XX/XXXX requires that I relocate. I am applying for a mortgage loan ( provided I meet all the criteria and am approved by the bankruptcy judge ). The incorrect reporting filed by XXXX is harming me by lowering my credit score hindering my ability to obtain approval for an FHA mortgage I otherwise should qualify for.
Consumer complaint received 2021-03-09
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. (OR)

Hello, XXXXrst of I would like to thank everyone attending this matter that is very important to myself. With that being said, I regret to inform that I believe that unfair and incorrect information is being reported on my credit profile. I disputed with TransunionXXXX XXXX XXXX XXXX and the investigation to me, was not resourceful to correct my credit profile. Various unfair Inquiries were reported on my profile, I disputed such actions, I personally took the time to talk to each creditor who appears on my profile and not a single one had paperwork or proof of such Inquiry. I feel cheated by such thing that is why I have decided to dispute this with CFPB. The false inquiries reported are the following, along with the reporting credit bureau. 

XXXX : XXXX XXXX XXXX, XXXX. XX/XX/2019, XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019, Off Lease Only XX/XX/2019. 

XXXX XXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XXXXXX/XX/2019, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2019 The previously listed Inquiries Were NOT approved or Authorized by me and I would greatly appreciated if the CFPB would help me out, This is my last resort to disputing false information being reported on my credit report.
Consumer complaint received 2022-10-12
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. (OK)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-12-11
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. (TX)

I began disputing a collection account in writing as of XX/XX/2018. The collection company ( XXXX ) called me on a saturday afternoon ( I had not received anything in writing that there was anything to dispute ). The agent was told not to contact me further, and she states, " I will keep calling until you pay your debt -- all calls should be recorded ). 
The first collection letter from XXXX was billed for {$1700.00} ( an amount submitted by XXXX XXXX ). 
After I began my dispute with the 3 credit bureau giants,  Experian made an adjustment to reflect {$910.00} on my credit report as of XX/XX/18. 
I submitted emails the Experian and evidence that the property management company ( XXXX XXXX ) admitted the were wrong to bill me for rent when they already had lease on the unit as of XX/XX/XXXX. The landlord-tenant laws states a company can not try and collect rent plus reletting fees if another tenant is living in the unit of the prior person. I have made several attempts to have the collection account removed based on these facts, but Experian, XXXX and XXXX XXXX have refused to respond or make proper adjustments.
Consumer complaint received 2022-10-12
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: EQUIFAX, INC. (CA)

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 15 U.S.C. 1681. 

XXXX XXXX, Acct # XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX XXXX Acct # XXXX XXXX XXXX/1022 Original Creditor : XXXX XXXX, Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX, Acct XXXX XXXX XXXX XXXX, Acct # XXXX XXXX XXXX, Acct # XXXX XXXX XX/XX/2021 XXXXXXXX XXXX  XX/XX/2021 Has violated my right to privacy. 

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

15 U.S.C. 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 inaccurate.
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (PA)

I submitted letters to each credit bureau requesting the extended fraud alerts be removed from my credit files. I am trying to purchase a property and it's hindering the process. Experian, XXXX, and XXXX  have failed to remove the extended fraud alerts to date.
Consumer complaint received 2019-04-13
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)

My credit reports are showing that I have missed or my payments has been late 5 months consecutive putting me up at 30 60 90 days late which has affected my credit score as well as my potential to get credit I have bank statements proving payments were made and no way have I missed as many payments. I've reached out numerous times in order to get this resolved but only results I've received is report is accurate. I am not positive as to exactly when they report but it's causing hardship on my credit score.
Consumer complaint received 2021-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XX/XX/XXXX To Whom It May Concern : I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. There seems to be a high-level of incompetence at this company, as I have continued to submit a dispute every 30 days with part of the disputes being removed and the other half remaining. This is asinine! Please remove the fraudulent information immediately from my file. 

Home Address : XXXX XXXX XXXX. XXXX, NC XXXX Accounts : XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX ACCT # XXXXXX/XX/XXXXACCT # XXXXXX/XX/XXXXXXXXXX/XX/XXXX ACCT # XXXX XX/XX/XXXXACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XX/XX/XXXXXXXXXX/XX/XXXX ACCT # # # # # # # # # # # XXXX You also have a few different listed addresses as my former address : XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 
XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX I have never lived at these locations. I have been at my current home for the past 25 years. 
I have included a copy of my utility bill for verification. 

Any and all fraud freezes and alerts should be removed from my report immediately, AS I DO NOT want any blockages on my record for any reason whatsoever. I do not need anyone to keep watch over me like a dog! 







Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX EMAIL : XXXX SSN:XXXX DOB : XX/XX/XXXX
Consumer complaint received 2021-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (OK)

I owed a hospital bill and it was sent to collection. The collection company was Phoenix Financial. They offered me a settlement amount and I paid that in full. The debt is still showing up on my credit report. I have filed a dispute and it came back the account was accurate. I have called Phoenix Financial on three separate occasions and every time they say the account should have been closed, they will get it done, and sent me a letter. They have never closed the account out and I have never received the letter.
Consumer complaint received 2021-03-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (IN)

My mortgage was transferred from XXXX XXXX to BSI Financial on XX/XX/2021. I have received no welcome packet, no statement, and no information from BSI Financial. I have talked to BSI on the phone multiple times and they refuse to accept my payment, and will not even disclose how much my payment is, because they say my Chapter XXXX repayment plan forbids them from taking a payment or discussing the account. BSI states they will not even send me statements on my account due to the bankruptcy. They told me I could mail in a payment, but refuse to tell me how much the payment is. They indicated they would not provide me with a receipt of any payments I send. I asked them if they were trying to force me into default and they refused to give me an answer. My mortgage is a " direct pay '' and isn't even part of my Ch. XXXX filing. I can't make a payment and my mortgage is already 10 days past due. I'm scared and don't know what to do.
Consumer complaint received 2022-09-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Finance of America Holdings LLC (PA)

Lender at Finance of America approved a loan for a buyer of my property. Lender inspected property and stated only contingency was putting in a railing before settlement date. Two weeks after the inspection and three weeks prior to settlement the lender determined the buyer 's credit was not suitable for the loan. Loan officer - NMLS # XXXX had mis-represented the buyer and lied to the seller. Credit history had not changed since the sale agreement. The loan officer should not have approved the mortage at the time the sale agreement was signed. Several real estate agents stated the lender did not understand the Mortage process and was the worst loan office they have ever dealt with in their 20 years in the Real Estate business. Loan office should not have a license.
Consumer complaint received 2022-03-26
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: EQUIFAX, INC. (GA)

I have hard inquiries that I didnt authorize, and its hurting my ability to obtain credit. Below Ive listed all the inquiries I want deleted immediately. 

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. Please delete immediately from XXXX XXXX. And items Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never authorized these hard inquiries please delete immediately.
Consumer complaint received 2022-02-03
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. (OH)

I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.
Consumer complaint received 2021-04-28
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. (TX)

wrong info : FCRA violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (IL)

On XX/XX/XXXX my credit card had 5 unauthorized charges from XXXX XXXX XXXX XXXX ( the merchant ) in the amounts of {$99.00}, {$11.00}, {$99.00}, {$110.00}, and {$99.00}. I flagged these transactions as disputes which Wells Fargo immediately provided refunds for with an extra credit of {$11.00}. On XX/XX/XXXX, I owed the bank {$11.00}. 

On XX/XX/XXXX, there were both a charge and a credit of {$99.00} on my card so no change to how much I owed. 

I was sent a new card in the following days and all fraud charges and credits were transferred to the new card and the {$11.00} that I previously owed was also charged back to the bank. So by end of XXXX, everything balanced. There was nothing that the bank or I owed to each other. 

On XX/XX/XXXX, the merchant credited me {$99.00} twice. The bank charged me on XX/XX/XXXX and XX/XX/XXXX for the same amount balancing everything again. However, this time on XX/XX/XXXX the bank also charged me an additional {$99.00} and {$110.00} which do not reconcile with any credits that I have received. 

I have contacted the bank numerous times ( over 20 ) and there has been no resolution. They understand the issue but refuse to do anything about it by transferring me from one department to the other. 

I am attaching a color coded spreadsheet that details each transaction that has been part of the fraud. These transactions are straight from monthly statements that the bank has provided. The rows at the end that are not highlighted do not reconcile. If you need more information, please let me know.
Consumer complaint received 2022-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/ opened checking account. Deposited XXXX. 
XXXX  direct deposit XXXX XXXX tried to pay rent electronically received and error. 
XXXX/called bank and was told my account was restricted because I had a ups mailbox and they need an physical address, but yet they opened the account and deposited my funds. 
XXXX  ( Monday ) called bank and changed address. After it was changed I was told I needed to present a lease agreement signed by myself and the landlord. 
XX/XX/ received phone message stating i needed to present lease agreement by XXXX  or acct would be closed and funds sent mailed back via check ( im guessing to my mail box? 
XX/XX/ hand delivered lease agreement to bank and told it would take 24 hours to review. I ask could I obtain a withdrawal and was told " no '' XX/XX/XXXX  called and as told it will take two business days. As of today I still do not have access to my funds.
Consumer complaint received 2022-03-26
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: Verisk Analytics Inc (GA)

ON XX/XX/2022 I EMAILED THIS COMPANY AND ATTEMPTED TO CALL THEM. I SENT THEM AN EMAIL INFORMING THEM NOT TO SELL TRADE OR USE ANY OF MY INFORMATION THAT THEY OBTAIN FROM ANY COURT. THIS COMPANY USED MY PERSONAL INFORMATION FOR PROFIT AND IS CAUSING MY CREDIT RATING TO DECREASE MAJORLY. THIS COMPANY PROVIDED MY INFORMATION TO XXXX WITHOUT CONSENT. XXXX PREVIOUSLY DELETED THE INFORMATION BUT HAS SINCE REINSERTED IT. I DO NOT ALLOW LCI, VERISK FINACIAL LCI, OR ANY OF ITS AFFILIATES TO SELL TRADE, OR USE MY INFORMATION FOR PROFIT. I CONTACTED THE UNITED STATES BANKRUPTCY COURT AND WAS TOLD THEY DO NOT SELL OR TRADE INFORMATION FOR-PROFIT TO ANYONE ABOUT ANYONE. I CONTACTED XXXX AND LCI. XXXX AND LCI ARE BUSINESS PARTNERS
Consumer complaint received 2021-02-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TN)

I received my CFPB response from Resurgent Capital Services dated XX/XX/2021, which was an account summary, which does not count as a validation of debt. Anyone could have opened a credit card in my name and used it. They have yet to produce a contract bearing my signature. They also have failed to produce what they actually paid for this account. They are not able to charge a debtor more than what they paid for the account.
Consumer complaint received 2022-02-03
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. (FL)

Hi the reasoning for this dispute is the following information listed on my credit report is inaccurate and fraudulent. I have contacted the following credit bureaus XXXX, XXXX and Transunion to have the inaccurate and fraudulent items removed but i didn't get a response, I am requesting that you the company ( CFPB ) change and update the incorrect items reporting on my credit report. Attached or supporting documents for this request ( Driver License, Social Security Card, list of fraudulent Inquires ) Also, I will attach my report filed with Identity Theft ( FTC ). 

Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 

Thank you, XXXX XXXX