davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

We were approved for a conventional loan for a single-family home on acreage, only to be told two weeks prior to closing that the mortgage company would not be able to fund the loan given the property type. During the mortgage application process, we disclosed the property was a modular home on a permanent foundation ( as described on the listing ), and there was no mention of the possibility that the lender may not be able to proceed until the appraisal was ordered and submitted. The appraiser was not even able to upload the appraisal, without the appropriate form needed -- as it was determined to be a " manufactured '' residence. Several days passed with no word from the mortgage company in regards to the status of being able to proceed, as they scrambled to pull the tax records on the property ( what they should have done previously ) and review their own lending policies only to arrive at the decision that they could NOT provide the loan. Devastated by the news that we would have to seek out another lender in the eleventh hour and plead for an extension due to this enormous oversight -- we requested a refund for the appraisal, as it should not have been ordered in the first place if the several loan officers we spoke with had done their due diligence. They responded by blaming our real estate agent, denying that we had provided advance notice of the property type to the initial loan officer ( after only pulling one phone conversation of several ), and stated that a refund was not in order as it would violate " Fair Lending '' laws and regulations. We wasted several precious days waiting for USAA to piece together their story in radio silence -- only getting bits and pieces of elusive responses when saturating them with calls and emails. The complete lack of professionalism, courtesy, and general competency was beyond infuriating. We should have been made aware of their inability to do business much sooner, and are incredibly disappointed in the lack of attention that has cost us our time, money, and possibly, our house.
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

violating my consumer rights according to 15 U.S.C 1681. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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 reporting containing any of the following items of information. Any other adverse item of information, other than records of convictions of crime which antedates the report of 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. This is the 3rd time Im submitting a complaint please reply within 14 days.
Consumer complaint received 2020-05-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Credit Management, Inc (MI)

Professional Credit Management XXXX XX/XX/2017 Has purposely done this on purpose. Because I challenged them on my credit report and they never responded but still on my credit report a 609 fair credit report.
Consumer complaint received 2020-05-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bull City Financial Solutions, Inc (NC)

Bull City Financial Solutions, a debt collecting agency, repeatedly contacted me for the debt owed by a previous tenant of the apartment I currently rent. I was called several times, and each time there would be no response when I answered the phone. I was called XX/XX/XXXX ( answered ), XX/XX/XXXX ( answered ), XX/XX/XXXX ( missed ), and XX/XX/XXXX ( answered ). When I finally called them back ( XX/XX/XXXX ) after XXXX   the number, they indicated that they were attempting to reach the previous tenant, who is someone I have never met or had any association with. This seems to indicate that Bull City Financial Solutions contacted the management of my apartment complex and the management gave them my contact information since I live in the same apartment that the person with debt lived in.
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (MD)

I applied for student loan forgiveness for 4 student loans. All 4 student loans were forgiven and paid in full in XX/XX/2022. XXXX is still reporting that my loans are still with an old servicer ( XXXX ) and that I still have a balance. This is incorrect information. I have letters from FedLoan showing that my loans are paid in full. I also have a recent letter from FedLoan stating that they have reported the updated information to XXXX, but XXXX refuses to update the status.
Consumer complaint received 2022-11-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP (OH)

We had a XXXX XXXX XXXX XXXX XX/XX/XXXX. We reaffirmed the 1st mortgage ( XXXX XXXX  ) and included the 2nd mortgage ( US Bank ). Case # XXXX On XX/XX/XXXX we received a Notice of Foreclosure from Attorneys for US Bank The XXXX Case # XXXX - ( XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX ). 

We have an attorney assisting : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, OH. XXXX T. ( XXXX ) XXXX EMAIL XXXX We have the ability to pay the balance of the 2nd mortgage ( approximately {$85000.00} ) and have attempted to ger a payoff from US Bank. This has been going on since XX/XX/XXXX We also have been approved for a cash out mortgage to pay the US Bank XXXX. We informed our Loan Officer, ( XXXX XXXX XXXX # XXXX ) of all of this before we made our application. He assured us he had discussed our situation with a US Bank underwriter and that there would be no problem. However, it became apparent he did not discuss our situation with and underwriter and we were told it was declined because US Bank had filed the foreclosure. 

XXXX  # XXXX We have had no success getting a contact to get this to a resolution. We have contacted the Consumer Loan Dept. They service the HELOCs, as well as loss mitigation. 

The contacts we have made will not supply a phone extension nor last name. 

We requested " Assistance '' and were given a link that required us to complete a Credit Application. We submitted this an 14 days later received a packet with a request to complete the application we had just completed. 

The bank has a full Residential Mortgage Application with an appraisal ( XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX # XXXX ) - Mortgage Application # XXXX We were assigned a Case Manager, XXXX XXXX ( XXXX ext. XXXX ) on Friday XX/XX/XXXX ). We have called 4 to 5 times per day on Friday XX/XX/XXXX, Monday XX/XX/XXXX and Tuesday XX/XX/XXXX. The case Manager has never answered and we are told that " anyone can assist us. '' None have been able to and eventually we are transferred to " Customer Service '' who then transfers us back to Loss Mitigation.
Consumer complaint received 2022-11-29
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company to update my credit report by deleting all negative unverified and inaccurate information from my file. My first letter was signed and received by them on XX/XX/XXXX. Although they signed for my letter, I received no response stating how this information was verified. I then mailed a second letter mentioning the non-response, ( signed and received on XX/XX/XXXX ), asking them to prove to me how this was verified. I have yet to receive a response. I contacted all of the collectors listed on my report requesting them to Validate this erroneous information. Again, I received no response. If I personally haven't received a response as the person who 'owes ' the debt, I'm highly doubt they were able to prove it to the bureaus. I have given well over the original 30 days to respond regarding my dispute verification with no proof in sight. How is it possible for them to continue reporting clearly unverified, invalidated, and inaccurate information to my credit report?
Consumer complaint received 2022-05-01
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. (TX)

In accordance with the Fair Credit Reporting act the following companies have violated my rights : XXXX XXXX XXXX XXXX XXXX {$1100.00} {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$700.00} {$0.00} XXXX XXXX XXXX {$0.00} XXXX / XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$2500.00} {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$700.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$600.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} {$0.00} 15 U.S.C. 1681 section 602A states that I have the right to privacy.

15 U.S.C. 1681 section 604A section 2 : States that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-10-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: American Credit Acceptance, LLC (GA)

I wrote a letter identifying the errors that is in my car contract that is now affecting my new contract because the information and amount financed is incorrect. According to XXXX  XXXX advertising laws, truth in lending act and regulation z. There have been multiple violations in this contract do to deceptive practice. On XX/XX/XXXX I was Over charged by XXXX to XXXX XXXX dollars dealing with the imposition of finance charge being added to the wrong box, documentation fee keep protection fees, service contracts being added which, according to XXXX  laws should have been added into the advertise priced a {$690.00} added to the advertised price that does not show why XXXX for gap insurance which is also a finance charge and should have been subtracted from the amount financed according to regulation Z. The amount finances incorrect due to these misleading in the XXXX of practice from American credit acceptance. They are also stating that they did not receive my letter, but I have a return receipt with XXXX XXXX name who signed for on XX/XX/XXXX.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2022-11-18
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)

Multiple accounts were opened in my name with XXXX XXXX XXXX XXXX, including : a checking, savings, and a credit card. But I personally did not open these accounts and have no offiliations to XXXX XXXX. My identity was stolen. I have already reported fraud to the company XXXX XXXX on XX/XX/2022. Since then, whomever opened these accounts has charged up a credit card bill of {$1800.00}, is not paying the monthly payment, and now my credit score has been effected.
Consumer complaint received 2020-05-15
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC. (CO)

I called XXXX XXXX on XX/XX/14 to attempt to make payment. I tried to see if they would settle and if they would I could pay in full. When it was told that it would only save me {$30.00} I opted to try and set up payment plan. The guy on the phone told me I needed to learn to pay my bills and if I had the money then I needed to know it should go to them. I tried to explain that it shouldnt make a difference whether I pay monthly or in full as long as they got paid. This is in connection to a bill XXXX dont feel I owe and have tried to dispute numerous times. He continued to attack me personally so I hung up. My husband then called to try and do the same and the guy kept talking over him and then called him a XXXX. I want this removed from my credit because they are in clear violation of the Fair credit collection act.
Consumer complaint received 2020-05-15
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)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-05-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 47 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This Bk which is clearly not mine is reporting on my credit file with Transunion. XXXX  and XXXX  have removed the error but Transunion still refuse to delete it.
Consumer complaint received 2020-05-15
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. (PA)

I disputed a 30 day late payment that showed on my credit report that occurred in XXXX in 2018. My dispute was based on the fact that I made a payment by phone in XXXX of 2018, during this call I scheduled 2 minimum balance payment to occurr in XXXX and XXXX. The customer service rep instead applied all payment to XXXX ( XXXX was over paid ) and XXXX and XXXX was not paid at all.
Consumer complaint received 2020-01-25
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. (SC)

I've contacted the 3 major credit reporting agencies about inaccuracies on my credit report resulting from identity theft possibly from the many recent breaches. None of them have yet to respond with any relevant information or tell me how they allowed these accounts be opened. Again, its not my job to start trouble, but these inaccurate accounts are really hurting my ability to get credit and are beginning to cause XXXX XXXX.
Consumer complaint received 2020-05-15
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: Experian Information Solutions Inc. (CA)

I disputed the account XXXX XXXX with XXXX, Experian and XXXX and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX and the incorrect information is still there. 
This account was Never Late and never charged off however Experian has it marked as late and charged off. 

I disputed the account XXXX XXXX with XXXX, Experian and XXXX and the incorrect information is still there. 
This account was Never Late and never charged off however XXXX, Experian and XXXX have it marked as late and charged off. 

I disputed the account XXXX XXXX with Experian and the incorrect information is still there. 
This account was Never Late and is paid off however, Experian has it incorrectly marked as late with a balance I disputed the account XXXX XXXX with Experian and XXXX and the incorrect information is still there. 
This account was Never Late and never charged off however XXXX, Experian and XXXX have it marked as late and charged off. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-04-29
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)

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 USC 1681. 

XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 16815-2 ( 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. 

XXXX has " XXXX XXXX '' on my report it is an error that needs to be removed XXXX XXXX  states i have had a card since 2016 but the information only reflects XXXX XXXXXXXX XXXX  Account is passed the statute of limitations of the New York State XXXX XXXX XXXX act, Section 214-i line 23 prohibits revival of debts arising from consumer credit transactions. the three-year limitations period has expires.the XXXX XXXX/ bureaus illegally restarted removal timeline after settlement
Consumer complaint received 2020-05-15
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. (CA)

Transunion should not be reporting the Bankruptcy for XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This Bankruptcy was discharged in XXXX, XXXX and is well over 11 years old. Reporting of a Bankruptcy is between 7 10 years. This is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have attached a copy of the Order Closing Case, case number XXXX dated XX/XX/XXXX. The date of last activity reporting was XXXX, XXXX and now the Bankruptcy information has been re-aged and is now reporting a date of last activity of XXXX, XXXX. This continuing to falsely report a Bankruptcy that has long since been closed, is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2020-05-15
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)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX  XXXX {$7400.00} XXXX  XXXX {$3400.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}