davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (MD)

I have been trying to work with my lender for several months now and still no luck in getting any help. 

I have sent their document request for proof of hardship over 4 times to their email they provided for documents and all of sudden they are not getting anything. My XXXX XXXX has been calling them every 4-5 days trying to confirm they received but no luck. ( XXXX ) I have been denied over 3 times now because they said they never got a complete packet and all because they continue to misplace my documents. I am just looking to save my home and hope this will get clear this whole run around.
Consumer complaint received 2021-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (RI)

I closed on my property XX/XX/XXXX. There was excess interest that was collected and {$550.00} is owed back to me. I called on XX/XX/XXXX inquiring where the check was and was told it was mailed back in XXXX. Called again XX/XX/XXXX and again was told another check would be sent. Tried calling again today, 30 minutes on the phone and they have no answers. My mortgage statement never had a problem making it to my mailing address on time, so why hasn't the check been returned? Please help. This is with SLS Servicing.
Consumer complaint received 2021-02-23
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (MN)

Agency called my sister and father in an attempt to collect debt, they told them I committed fraud. I have not received and letters regarding debt after asking for one. They continue to tell me they are going to sue me and I will be responsible for court fees, they are gon na garnish my wages etc. they have violated several FDCPA laws.
Consumer complaint received 2022-11-06
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. (NY)

The following account is an error reported to my consumer report as a collection/chargeoff without my consent or permissible purpose as per the FCRA. This false information on my consumer report states an incorrect name/person who is tied to my personal information and is disabling me from obtaining good credit. A letter was sent to Experian Credit Bureau on XX/XX/22 to rectify this error and I have yet to receive a response from the bureau. This violation amounts to fraud and identity theft. 

XXXX XXXXXXXX - Account # : XXXX
Consumer complaint received 2022-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (MA)

on XX/XX/22 I deposited a money order given to me for Sec. Deposit & 1st month rent ( loan ) via my mobile deposit app through Keybank, the following day I receive an email stating it was placed on hold for reasons of doubt of collectivity but that my funds would be available to me on XX/XX/22. I called on XX/XX/22 to confirm the money order cleared I was told the funds were available and that nothing was pending before I went to the bank in person since my account, debit card got restricted. On XX/XX/22 around XXXX I went to Keybank on XXXX XXXX XXXX MA XXXX was told by the teller ( XXXX XXXX ) after she spoke to the fraud dept. for Keybank that they said my account was still on hold until further investigation but no time frame was given and I had no access to my funds. I called the fraud line to see what I needed to do on my end to expedite this matter and get access to my funds, I told them I would go with the person who issued me the money order to clarify that it was legitimate and after he verified with his issuing bank that the funds were deducted and sent to Keybank & that we would bring proof of it, I also brought the money order in-person to the bank twice so they can see it is not counterfeit/fraudulent and was told there was nothing i could provide to them to just wait. I called again today XX/XX/22 at XXXX spoke to XXXX XXXX Fraud Dept ) since it has been 8 business days on hold with no explanation as to why I have no access to my funds or how long it will take and because I have not received any further letters/emails on how long or when my funds will be available or explanation I continue to be given different reasons as to the hold and that I need to go to the bank in-person but every time i go nothing gets resolved and I get the different reasons why.
Consumer complaint received 2022-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

On XX/XX/2022 I SENT A INVESTIGATION LETTER TO THE CREDIT BUREAU ASKING THEM TO TO DO AN INVESTIGATION AN CHECK EVERYTHING ON MY CREDIT REPORT TO MAKE SURE EVERTYTHING WAS XXXX XXXX  ACCUTE WITH TRACKING NUMBERS. THEY DIDN'T DO A PROPER INVESTIGATION ACCORDING TO THE LAW DUE TO IT IS XX/XX/2022 AND MY CREDIT REPORT IS STILL INACCURTE. 

TRACKING NUMBERS BELOW : XXXX XXXX XXXX XXXX5 U.S.C 1681 Section 603 ( 3 ) ( E ) States : The term " INVESTIGATIVE CONSUMER REPORT '' means a consumer report or portion thereof in which information on a consumer 's 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 who he is acquainted or who may have knowledge concerning such items of information. 

The credit bureaus stated account name & account # was properly investigation but how is that even possible if the Account status, Date opened, Date last Active, High credit, Last Reported and Date of last payment is still incorrect and not accurate. This ground for removal. They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I haven't given these accounts written instructions or permission to furnish these accounts on my credit report. 

I'm sure you know the law just as well as I do my right 's was violated by the credit bureaus XXXX XXXX under 15 U.S.C 1681 : 15 U.S.C 1681 SECTION 602 A.

15 U.S.C 1681 SECTION 604 A. SECTION 2 : 15 U.S.C 1681 S-2 ( A ) ( 1 )
Consumer complaint received 2023-02-24
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: EQUIFAX, INC. (DE)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-08-20
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. (NV)

In accordance with the Fair Credit Reporting act XXXX  Account # 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 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. States a Consumer Reporting Agency can not furnish a account without my written instructions.
Consumer complaint received 2022-12-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NJ)

I purchased a XXXX XXXX XXXX XXXX on XX/XX/XXXX at a XXXX as a XXXX present for my daughter, with a balance of {$400.00}. 
She used the card the next day online to make 2 purchases for about {$64.00}. We are waiting to see if these purchases complete. 
She has since being unable to use the card with transactions being declined by all subsequent merchants. 
I called the XXXX customer service number XXXX & spoke to a representative called XXXX on XX/XX/XXXX, & was informed that the card could not be used again until the initial XXXX transactions had cleared on XX/XX/XXXX, no explanation was given. 
I called again today to request a refund & have not been able to get through at all. 
I decided to call the CFPB to make a complaint ; it turns out that when on hold it is the same music playing at the CFPB & XXXX- this unfortunately adds to my suspicion that XXXX is not a legitimate financial organization.
Consumer complaint received 2022-11-14
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: WELLS FARGO & COMPANY (FL)

GOOD DAY SIR / MA, I HAVE IN THE PAST MADE CREDIT CARD ENQUIRES WITH THIS CREDIT CARDS COMPANY BUT I NOTICED THAT EACH YEAR THEY WENT AHEAD AND CHECK AND MONITOR MY CREDIT, WITHOUT MY AUTHORIZATION. 
THIS ADDS UP ON MY CREDIT REPORT AS IT MAKES IT LOOK LIKE I MADE THE NEW REQUEST FOR THE CREDIT CARDS. ALSO I HAVE BEEN A VICTIM OF IDENTITY THEFT IN THE PAST, I THINK THE PERSON WITH MY INFORMATION STILL TRY TO GET CREDIT CARDS ON MY INFORMATION AS I RECIEVE SOME DECLINE MAIL WHILE I NEVER APPLIED FOR ANY CREDIT CARD THIS ALSO SHOWS UP ON MY HARD ENQUIRY CREDIT REPORT. 
I WANT THE BANKS THAT HAVE MY SSN THAT MONITOR AND CHECK MY CREDIT WITHOUT MY CONSENT TO STOP DOING SO, ALSO SOME CAR DEALERSHIP, AND CLEAR UP MY HARD ENQUIRY, AS ITS AFFECTING ME NEGATIVELY. I NEVER GAVE THEM ACCESS TO MONITOR AND CHECK MY CREDIT YEARLY, BUT I SEE THEY DO SO YEARLY, AND SOME NEW ENQUIRIES I NEVER ACTUALLY AUTHORIZED. 

ATTACHED ARE THE PICTURE OF COMPANIES REQUESTING AND MONITORING MY CREDIT SCORES YEARLY.
Consumer complaint received 2021-02-24
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. (FL)

I had a fraud issue on multiple occassions within a few days of each other. I contacted Transunion about the issue and we placed a freeze on account. That same day and next two I had two more things pop up as inquiries and still havent gone away. I contacted Transunion again and they told me to mail in my disputes, which I did. It has been over two weeks now and nothing from them. 

There are no charges as they were just hard inquiries, but the dates and names of companies are as followed : XX/XX/21 - XXXX XXXX XX/XX/21 - XXXXXXXX XXXX I called XXXX XXXX immediately and they told me they closed the application and would try to help to contact Transunion. 

XXXXXXXX XXXX  called me and closed the application immediately, and contacted the dealership they represented and got that closed as well. 

I stil have not heard from Transunion and these inquiries have hurt my credit score.
Consumer complaint received 2023-02-24
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. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXXXXXX Balance : {$2000.00} XXXX  XXXX Balance : {$7700.00}
Consumer complaint received 2021-09-21
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. (FL)

Transunion and XXXX credit bureaus refuse to accept two police reports and one FTC Identity Theft Report in order to update my credit reports to show accurate information. The third credit bureau properly updated my information by accepting the police reports and the FTC ID theft report, as required by law. I've gone one step further and wrote a letter citing the law, and now Transunion has locked my out of my account. Since I am unable to fix the identity theft inaccuracies, many aspects of my life continue to be affected. 
I am attaching the FTC Identity Theft Report and the two police reports showing the identity theft ( that incredibly goes back many years ). For the first time with the CPA, I am attaching letters that I am attempting to submit to Transunion and XXXX. Both Transunion an XXXX do not have live operators to talk to. The third credit bureau does and does follow the law ( and I am thankful to you and that third bureau for the wonderful work on behalf of consumers ).
Consumer complaint received 2022-07-29
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. (GA)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research botXXXX 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 Reference # : XXXX Date Filed/Reported : XX/XX/201XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$17000.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$9400.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/2016 If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-07-29
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 my 9th attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) Credit Bureaus are required to remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Please block following items listed. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$7300.00} XXXX XXXX XXXX  XXXX Balance Owed : {$7.00}, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-02-10
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. (CA)

On XX/XX/XXXX I sent dispute letters to XXXX XXXX and TransUnion. Today is XXXX XXXX and I still haven't heard from either agency. A copy of the letter is below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX. Box XXXX XXXX, GA XXXX XX/XX/XXXX XXXX : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Account was never late XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

2. Account was never late XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

3. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

There were inaccurate reports of late payments on a closed account, even after the closing date inaccurately reported, and when I had disputed it in on XX/XX/22 they did not respond and no changes were made. I disputed it again on XX/XX/22. 

Passed more than 30 days later after XXXX 's disputes, the Credit bureaus stated my account was properly investigated but my current credit report now displays that XXXX had deleted the payment history, Experian changed the dates, which are still inaccurate, and XXXX erased their payment history to unknown status. 

Also, between all three credit bureaus ; XXXX, Experian, and XXXX, the opened dates reported are inconsistent and inaccurate, the closing date is inaccurate, last payment made is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal. They also violated my rights under : 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 Also, the Credit bureaus took exceedingly more than 30 days to complete my investigation.
Consumer complaint received 2022-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

I have earned rewards money ( in XXXX ) using my XXXX Citibank Visa credit card and I am unable to redeem it because XXXX employees are telling me ( on XX/XX/XXXX ) there is an error code. Citibank 's website is also giving me an odd error message when I try getting the rewards reissued.
Consumer complaint received 2021-02-10
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. (FL)

I have been a victim of identity theft through XXXX XXXX XXXX in XXXX The latest being the openings of several accounts. The items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several inquiries all which have hurt my credit score that I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I ask that you recognize that the following accounts are fraudulent as a result of this breach : XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX