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

Investigation Request Letter To Whom It May Concern : 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 15 U.S.C. Sec. 1681 ( a )? I heard that if you can't 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 XXXX XXXX and XXXX 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. XX/XX/2022, 15 USC 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 whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of consumer or from the consumer. 
They also violated my rights numerous times. The credit hurosue vinlated my nivenrin Nor 15 1100 1601 identify you and your account. Consumer reporting agency when such information was obtained directly from a creditor of the consumer or the consumer. They also violated my rights numerous times.The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 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 2019-09-20
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. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2022-06-22
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. (NC)

on XXXX Equifax sent me the status of my dispute for 4 hard inquiries ( XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX. ) NOTHING WAS REMOVED EVER AND I have done MULTIPLE DISPUTES SINCE! JUST FOR NO TYPE OF INVESTIGATION TO BE MADE AND THEM TO SAY VERIFIED. I GOT ON THE PHONE WITH THEM MULTIPLE TIMES AND EXPLAINED IT AND THEY ALWAYS TELL ME TO DO ANOTHER ONE TO DISPUTE AND IT SHOULD COME OFF BECAUSE IT GOT PLACED WITH THE OLD DISPUTE. THEY SAID THEY CAN'T DISPUTE IT BECAUSE IT'S THE BACK OFFICE 'S JOB. I EVEN REQUESTED DOCUMENTS USED TO VERIFY AND THEY DON'T HAVE PROOF TO EVEN KEEP IT POSTED ON MY CREDIT REPORT! LET ALONE VERIFY ANYTHING! I have submitted MULTIPLE FTC REPORTS FOR THESE! WHICH SHOULD TELL YOU THAT THERE SHOULD BE AT LEAST A INVESTIGATION BECAUSE FRAUD HAPPENED AND NOT JUST HANDLE THIS HOW YOU WANT. This is unacceptable & unauthorized use 15 U.S. Code 1602 ( p ). I demand that the accounts are deleted expeditiously or I will have to file for litigation due to the stress you have caused me and my family. My info definitely got impacted by the data breach at Equifax and I believe this to be a result of it.
Consumer complaint received 2022-06-22
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. (MD)

The Credit Reporting Agencies are willfully defaming my character continuing to report inaccurate information on my credit report without providing proof. Also they're in several violations of my consumer rights. 

In Pursuant Of 15 Usc 1681a ( 1 ) we have the right to accurate and fair credit reporting!!

These accounts are not showing accurate on my credit report.

According to the FCRA 611 ( A ) ( 1 ) the credit reporting agencies were supposed to respond to my disputes within 30 days I have received no correspondence about my disputes According to the FCRA 605 ( c ) Running of the reporting period was occurred on all these accounts. They re age the date of last activity to willfully defame my character and keep my consumer report at a low credit score I demand these accounts be removed from my consumer report & blocked during the investigation occurs on all reporting agencies reporting alleged accounts
Consumer complaint received 2022-06-22
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .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 XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-06-22
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. (LA)

I have multiple inquiries that I did NOT authorize, there are several car and finance companies I did NOT authorize. I authorize one company and these unauthorized companies started weighing in on my credit report UNAUTHORIZED!!!

I even contacted the Bureaus for removal, was in contact w someone through email and messaging she never responded back from XXXX its ridiculous. Tried through internet for XXXX and Transunion!
Consumer complaint received 2022-06-22
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC (WA)

I own a mortgage company, and we have caught a specific loan officer who works for CrossCountry Mortgage in our local market committing fraud ( editing income documents and social security verifications ) numerous times in the past 12 months. After the mortgages were funded, we have been told by the realtors involved what he did to get them done or had applications and income documentation or verifications from the same borrowers proving it was not possible. Creating fake social security cards, changing employment dates on employment verifications, and editing income amounts on documents are recent situations where we had an application from the same borrower and had verified the documents which could easily be used to compare to the documents that the loan officer with CrossCountry Mortgage gave to their underwriter.

I am required to report these occurrences when they happen, and have called CrossCountry Mortgage to report the fraud immediately after it came to our attention six times in the past 12 months. Each time, the phone operator takes down my name and number and says they will send it to their compliance department so they can call me for the details. They have never once called me back to find out which of their loan officers is committing fraud and on which transactions. It appears they are supportive of their loan officers unethical and illegal actions by not bothering to follow up. I even sent a message to their CEO through XXXX at one point that again resulted in no response.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report. 

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, XXXX, and TransUnion data breaches, which makes me even more worried about how my personal information is being handled.
Consumer complaint received 2022-06-13
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 7. Validate Account 1.XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
3Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
4. Validate Account XXXX Account Number : XXXX Please remove it from my credit report 5 Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
8.Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
9 Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (OH)

Comenity Bank has not reported to the credit agencies since XXXX. I have recently payed off all my debts, including this one, but them not updating my current balance is effecting my credit score, and I will be applying for mortgages soon. I need them to report my XXXX XXXX balance correctly so that the utilization for my BJ 's Perks Mastercard is reflected correctly. It should change significantly from above 90 % to less than 12 % utilization. My statement closing date was XX/XX/2022 and like I said before, they have not reported my credit account with them since XXXX. 

I have tried reaching out multiple times and spent hours on hold, I can never reach anybody.
Consumer complaint received 2024-11-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC (NC)

I had a man helping me with a loan modification. XXXX XXXX. I have had a lot of medical problems, and cant get out like I use to. I am XXXX. He was supposed to be talking with Shellpoint Mortgage about my situation. We didnt get the paperwork in on time, I guess due to my health and having laryngitis for XXXX weeks, who I actually have again. Shellpoint wouldnt even listen to the medical problems, which I can produce papers for. They kept saying, we TRIED to get up with her. I didnt have a phone, but a certified letter would have helped. I didnt realize I was even that far behind. I have been in my home for XXXX  years. My husband passed almost XXXX  years ago, and I seriously dont have anyplace to go. 
XXXX XXXX kept saying he was sure he could get the modification. I only owe about {$40000.00} more. I wasnt told by the mortgage company about anything I could have done to save my home, in fact, I wasnt told by anyone. I have looked up Shellpoint and they have a XXXX star rating. They have only helped about 2 % of their customers. With the prices going up, and my medical bills constantly climbing, I feel they were very unfair in even trying to give me suggestions or sending me information regarding the foreclosure. Now at XXXX I will be on the street for the first time with my fur babies. By the way, XXXX XXXX hasnt even tried to contact me with any other suggestions. He kept telling me the loan modification was my only choice. There werent any government programs with money to help, I couldnt file bankruptcy, or really do anything else unless I had XXXX family members who could loan me the money. I trusted the wrong person and mortgage company. Now, it has been auctioned off, and I was told by an attorney I had XXXX  days to do something. It was auctioned off on the XXXX of this month, which once again I had/have Bronchitis with laryngitis. Plus, I had one guy that forged my name to his contract. I have really been through it since my husband passed. I am putting in a complaint against Shellpoint, and trying to see if I have any options at this point? I have tried to get in touch with the Legal Aid of NC, but I cant ever get them, and they havent responded to my online application. Please help. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX
Consumer complaint received 2022-12-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (DC)

I was the victim of robbery on the street in which my phone was stolen from my person by 4 individuals. These individuals proceed to access the phone and attempted and successful in some instances to make various transactions from multiple banks, money transfer apps, XXXX and more. These individuals transferred {$2200.00} from my Navy Federal Savings account through the mobile app to accounts they linked through the app that night. They also transferred {$680.00} from my checking account. 

I contacted the police and an investigation is ongoing. Police Report # XXXX Washington, D.C. Metro Police Department XXXX XXXX XXXX. 

I then contacted all my banks, phone company, the whole works about locking accounts and getting issued new banking cards etc. All the other financial institutions either blocked the thief 's from accessing my accounts ( i.e. XXXX XXXX XXXX XXXX XXXX XXXX ). All the linked credit cards that were compromised such as XXXX XXXX and a XXXX charge to XXXX XXXX were all quickly ( within 2-24 hours ) returned back to me and deemed fraud. Navy Federal Credit Union however, returned the {$680.00} back to my checking account considering this fraud but had a separate investigation for the savings account which I spent numerous hours on the phone trying to get updates on my case. 2 months have gone by and I just received a letter from Navy Federal saying they will not be returning the money to savings account and deemed my responsible for the claim. 

I was robbed, police were contacted, banks were contacted immediately. These individuals who I do not know did not know were able to access my bank account without having my password to bank. If they are not returning the money that is ludicrous because they are basically saying my money is not safe with their institution. They also returned my checking account funds which they money was all transferred in at the same time in the same way. I need your help. 

Thank you, XXXX
Consumer complaint received 2021-12-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: AMERICAN HONDA FINANCE CORP (HI)

I have tried to work with Acura/Honda Financial Services many times on my issue. I have called multiple times and went into the dealership multiple times as well. My issue is they informed me when I went to buy the car they do not accept third party checks ie I could not use my XXXX XXXX XXXX, but had to either finance through Acura or a local credit union they had partnered with. My credit is XXXX and XXXX offers rates at 2.9 %, while Acura 's and the local credit union 's rates fluctuate between 4.5-6.8 %. This is insane and I do not understand how they can just change the rules and say they will not accept third-party checks!? This isn't stated in their leases. Why can't we finance through more beneficial means? Why/how can they force people buying their vehicle returns to use their XXXX banks? 

THIS WAS NEVER MENTIONED DURING THE LEASE PROCESS AND THEY SAID IT WAS A NEW POLICY. How can they just make up a policy and ban other banks, with better terms, from financing these vehicles? I am still the one buying it via a loan from a bank with better terms. This is DISHONEST and Acura/Honda Financial Services should be ashamed of themselves!
Consumer complaint received 2021-12-08
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. (AL)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-12-23
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. (PA)

Greetings i am making this complaint on my own accord and will. No third party is involved in the creation of this complaint. 

I XXXX XXXX, consumer, natural person, and original creditor of an open end credit plan, was harmed by TransUnion a Credit Reporting Agency via invasion of my right of privacy. I was informed of this trespassing against my rights specifically 15 U.S.C. 1681 - Fair Credit Reporting Act by TransUnion a credit reporting agency on XX/XX/2021. According to 15 U.S.C. 1681a definitions of the Fair Credit Reporting Act, I as a natural person possessing an open end credit plan was harmed by TransUnion with the invasion of my privacy by furnishing accounts labelled as exclusions to a consumer report under 15 U.S.C 1681a ( d ) ( 2 ) ( B ), in addition my credit information was given out without my consent resulting in a numerous amount of inquiries now present on my consumer report not attached to accounts further invading my right to privacy as a consumer. Pursuit to 15 U.S.C. 1681n TransUnion is now Civilly Liable to pay me for the damages as well as the hardship caused by the damage caused to my reputation as a consumer in the value of ( {$1000.00} ) per inquiries not attached to an account as well as ( {$1000.00} ) per account furnished by invasion of privacy and inaccuracy as an exclusion from a consumer report.
Consumer complaint received 2021-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Valley Credit Service, Inc. (OR) (WA)

This company has fraudulently reported misinformation to the credit bureaus and it has severely impacted me to the point I may be homeless in a few weeks. Valley Credit Services out of Oregon is the company. They say theyre removing it, but its too late and also they refuse to provide a single but if proof theyre doing this. It is nearly impossible to be the first applicant in WA state. First qualified applicant has to be chosen for the home, legally. There are 50 applications anytime a home is listed. After three months of trying, I was never first applicant. I was FINALLY the first applicant this week and ready to sign papers until valley credit services in Oregon broke the law and intentionally reported misinformation about me, causing me to lose the home and be in a position where Im about to become homeless. Im suing this company.
Consumer complaint received 2022-06-22
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: Experian Information Solutions Inc. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. Validate Account XXXX Account Number : XXXX Please remove it from my credit report Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.