davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-12
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: Experian Information Solutions Inc. (OK)

I, ve have asked for information from Experian on these accounts by certified mail, now im asking thru this site, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
XXXX XXXX XXXX XXXX, unverified XXXX XXXX XXXX, XXXX, unverified XXXX XXXX, XXXX. XXXX, unverified XXXX XXXX XXXX XXXX XXXX, unverified You can upload thru this site all documents you have that verifies these accounts as listed
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Accounts # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights. 
XXXX. XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX section XXXX A. XXXX 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
Consumer complaint received 2020-12-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (AL)

Consumers are not being fairly evaluated when applying for home loans with Better.com Mortgage. I have a XXXX credit score, a 4-year payment history with XXXX XXXX XXXX where  I have neither been late nor missed a payment. I am selling my home where I can afford to put down 20 % on a new purchase. I only have a mortgage which started out as {$920.00} a month and increased to {$970.00} due to a change in homeowners insurance. I have a car note at {$440.00}, three minor credit card monthly payments, and a private student loan payment of {$45.00}. These credit card payments, etc. will be paid in full with the proceeds of the sale of my house. According to Better.com Mortgage I can only purchase a new house at {$170000.00} with a 5 % down payment. For some unknown reason, I can not pay 20 % on a new purchase and increase the purchase amount and the calculation of my DTI is 61 % and not 45 % as had been the case with another mortgage company. The digital application is way off and needs to be revamped immediately as it initially gave me a pre-approval up to {$460000.00}. Also, the student loans that are in IBR status with $ XXXX monthly payments are stating they are in forbearance not sure from re-entering college to complete my degree or from the Cares Act, but this company is trying to use the 1 % of balance on documented IBR {$0.00} balance student loans. My SSXXXX and retirement income was frowned upon also. Something is seriously going on with this newly created company where the buyers are not being fairly evaluated for home loans.
Consumer complaint received 2019-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MCCUE MORTGAGE COMPANY, THE (CT)

I have had my mortgage with McCue mortgage for 15 years without any issues and have had the same homeowners insurance company XXXX XXXX. My homeowners is escrowed with my mortgage and I am current and have been with my payments. My annual home owners of {$1300.00} was due in XX/XX/2019 to XXXX XXXX. I received a bill from XXXX XXXX stating XXXX was received and they would re bill the mortgagee. I also contacted the mortgagee and they confirmed it was taken care of. In XX/XX/XXXX I get a cancellation notice from the insurance company for non payment. When I called the insurance company I was told the check bounced. Once again the mortgagee told me everything was fine. Then next bill stated there was a correction of more charges, and got a cancellation notice and was cancelled by XXXX XXXX XX/XX/19 and I had to pay out of pocket {$280.00} to reinstate XX/XX/19while they research as we are back to square one and say they do not have payments. I have contacted the mortgagee and have been told that they received confirmation numbers so as far as they are concerned they are done. After repeated attempts to fix this Mc Cue is ignoring my concerns. They had to have been notified that my insurance was cancelled and they did not contact me about cancellation.
Consumer complaint received 2019-09-25
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. (TN)

XXXX ; XXXX and Transunion are reporting incorrectly a voluntary repossession on the XXXX account number XXXX. ( Please see page attached from our credit report. ) Shortly after purchasing the vehicle the independent inspection that we had done revealed that this vehicle failed to meet the standards as required under the law for safety and also this vehicle fell under the rules required for the Lemon Law. We returned the vehicle within the time allotted and were told that there would be no negative reporting on our credit report, but that turned out to not be true. I had documentation to prove the vehicle was not up to standards however, these documents were lost in a house fire. This was not a voluntary repossession or a repossession of any kind. The vehicle was defective. This incorrect reporting of a repossession is harming our credit score and this line item needs to be removed from our credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Consumer complaint received 2022-12-19
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. (LA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX : {$4700.00} XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$2600.00} XXXX XXXX XXXX*Balance : {$14000.00} FST XXXX XXXX Balance : {$450.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XX/XX/2022 XXXX XXXX
Consumer complaint received 2019-09-25
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Debt collector lacks standing in collection activities and is violating my legal rights in attempting to collect the allege debt. The debt collector is involved with other parties that have used fraudulent methods while attempting to secure the allege debt. There has been a range of federal violations associated with this particular case. 

I am providing evidence in form of an affidavit of facts from an expert witness to the CFPB and other government entities to verify the illegal activity.. I am also inserting a legal notice of sale that states that XXXX XXXX XXXX , XXXX XXXX as Trustee is involved in the debt collection activity despite their claims this is a Bank of America situation. 

I have attempted to resolve this matter and open to some type of settlement prior to further litigation.
Consumer complaint received 2022-03-31
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. (IL)

Hi I am submitting this XXXX 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 XXXX has me at a score around XXXX. 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 XXXX 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 XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with 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 XXXX XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2020-11-26
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: Birchwood Credit Services, Inc. (FL)

On XXXX. XXXX, XXXX, BIRCHWOOD CREDIT add a hard inquiries on my credit reports per XXXX XXXX and XXXX. 
On XXXX XXXX, XXXX, XXXX  XXXX  add a hard inquiries on my credit reports per XXXX, XXXX  and XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX  add a hard inquiries on my credit reports per XXXX and XXXX.
Consumer complaint received 2022-05-20
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. (NY)

I have asked to see Verifiable Proof ( an original XXXX XXXX with my Signature on it ) the credit bureau have filed of the accounts listed on my credit report. The failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-02-05
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. (TX)

Hello, I am trying to get to the bottom of the issues on my credit report. I have sent letters over 30 days ago to each credit bureau to dispute the numerous incorrect items on my credit report and have yet to hear anything back. I am trying to put my life together and make some big purchases but the many things on my credit reports that do not belong to me are getting me denied for so many things. I can't buy property, get approved for credit cards or increase my family 's financial situation. This is putting a strain on my home life and I am now at a loss as to what to do.
Consumer complaint received 2019-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I applied for an apartment complex, XXXX XXXX, who uses XXXX for their third party screening. I applied and was approved at the end of XXXX. The XXXX inquiry shows on my TransUnion credit report. Less than a month later, XX/XX/2018, I notice a second inquiry from XXXX on my report. I quickly called XXXX to inquire about the second inquiry. They stated they would only request a copy of my credit, under the direction of the asked company, which happens to be XXXX XXXX. I called the leasing office. Everyone in the office denied the claim. I later emailed the emailed the leasing specialist. She admitted to sending a second inquiry about my credit score via email. She stated it was an accident. I emailed the property manager. She stated that she would reach  out to XXXX and let them know this was an inquiry in error. I also sent a dispute letter to TransUnion which was delivered XX/XX/2018. Since then, the inquiry has remained on my credit. TransUnion has not informed me the dispute is open. It's been past 30 days since the dispute was received and still remains on my credit.
Consumer complaint received 2019-01-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Telerecovery Corporation (LA)

I have a debt on my credit report from : Telerecovey of Louisiana I have disputed this debt many times with XXXX, XXXX, XXXX. 
I am unaware of this debt, yet this company is reporting that the account belongs to me. 

1. I NEVER received a letter of Debt 2. I DO NOT KNOW OF THIS DEBT 3. 
On XX/XX/2018, I mailed a Validation of Debt Letter to the company. I mailed letter to the address reported to the credit bureaus. I asked for reason of debt, original contract signed by me, and calculations of Debt. 
It has been 30days, and I have not received a response. 
This is wrongful collection practices.
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I discovered these fraudulent inquiries that I did not make on my XXXX, XXXX, and transunion credit reports including : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-06-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I tried to dispute transaction made by XXXX on my Bank of America business debit card. Transaction totaling a {>= $1,000,000} cent. It started with a lower amount. As XXXX kept charging my card/account with out my authorization.I called Bank of America and disputed the transaction. Bank of America did not honer the claim. They said I did not do it in a timely manner.. it was within the 60 days of the transaction being mad.. I tried to fix it with the merchant and I got no where. The bank recommended I contact the merchant. And I did. Once I couldnt get any where I contacted the bank, thats Bank of America and now they denied my claim and my business is at risk. Im at risk of losing everything. I cant check the status of the claim, so when I called in today they said that they came to a conclusion that I did not report with a timely manner. Bank of America kept telling me that I will get a letter in the mail, and they can not send me anything else via email. Only tell me over the phone what the notes stated. That I did not file in a timely manner.
Consumer complaint received 2022-06-09
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. (TN)

In accordance with the Fair Credit Reporting Act 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
Consumer complaint received 2022-12-19
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. (GA)

I sent a letter requesting that credit bureau must reinvestigate the disputed account from my credit report as well as update the account from my report during the investigation period. As of this date, you have failed to respond to my request. Here is the account that I wanted to fix. 
XXXX XXXX XXXX Balance : {$1000.00}
Consumer complaint received 2022-01-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (GA)

Hello Suntrust closed a business account because they indicated they noticed fraud. The account was a business account XXXX XXXXXXXX XXXX XXXX XXXX. They advised on XX/XX/2020 a check was deposited into the business account in the amount of XXXX which was a fake check. On Saturday XX/XX/2020 I was advised the check was fraudulent however at that time Suntrust bank was closed so on XX/XX/2020 I went into the local branch and advised the manager the check was fraudulent. At that time the manager advised the check was already deposited and it was nothing she could do. She advised if the check is deemed to be fraud, the account would be closed and I would receive my deposit of XXXX via check, she also stated I could attempt to establish a new account within 30 days. The account was closed and I did receive the XXXX via check. I never attempted to get money from the check, no one lost money. I did not willing put a fake check into my account. I am not the police nor do I work for a bank, therefore I was not able to tell the check was fake prior to making the deposit. I rendered services to the person that wrote the check, so I lost money as well. 

I do not want to reopen an account with SunTrust however I do not want Suntrust reporting to consumer reporting agencies that I committed fraud against their bank. I have never committed fraud a day in my life. The definition of fraud is : wrongful or criminal deception intended to result in financial or personal gain. I did not intend to commit fraud and when I found out I went to the bank and told them. I did not benefit from this situation, I actually lost. I do not want SUNTRUST reporting that my account was closed due to fraud because fraud was not committed at all. 

I will like to speak to someone about this.