davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CLGF Holdco 1, LLC (CA)

Some one used my info to apply for a credit card. I received a bill regarding a opened account and activation fees and interest charged. I never received that card to my address. I contacted the number on the bill from Milestone. Genesis FS card services. They asked me to fill out a identity theft repot and fax it over to them so that they can fix this issue.
Consumer complaint received 2020-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I Have Send In Multiple Letters To Experian Explaining To Them My Name Is Listed Wrong And I Have Inquires That Are Not Mine To Remove Them Ive Also Called Multiple Times People Were Being Rude An Also Hanging Up On Me Ive Requested That My Name Is Fixed And To Remove The Inquires Thats Not Mine
Consumer complaint received 2022-11-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I have a mortgage with XXXX XXXX  whereby the subject property has been occupied by a Tenant since XXXX of 2021. As per the terms of the Lease agreement with the tenant ACH drafts are authorized to be made each month. Thus, Rent payments have been drafted from Tenants bank account at USAA and applied directly to mortgage payments at XXXX XXXX  since the inception of the Lease. I recently received notice from XXXX XXXX of default whereby XXXX unilaterally returned 6 months of mortgage payments to Tenant 's bank at USAA. 

The Tenant has enjoyed the use of the property and this is a theft of service on behalf of the Tenant whereby a fraudulent request to return payments to their account was made without my knowledge and XXXX  followed through with a refund of these payments without my knowledge or approval.
Consumer complaint received 2021-11-11
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. (TX)

Fifth time filing a complaint regarding this matter! 

I contacted the credit bureau to inform them that these companies had performed UNAUTHORIZED inquiries on my report and the bureaus stated I needed to contact the companies individually, which I did and the companies stated they had no knowledge of these inquiries and I needed to contact the credit bureaus. The bureaus are refusing to remove these inquiries and it is causing problems with my credit profile. Several of the inquiries are duplicates. I received a letter from the credit bureau stating these places have a right to perform these credit inquiries, which is false. If I didn't authorize them, they should not be on my credit report. The credit bureau is still refusing to remove these inquiries. I will attach a picture of the letter they sent. Here are the unauthorized inquiries : XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX-XX/XX/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  XXXX XXXX XXXX-XX/XX/XXXX XXXX  XXXX XXXX XXXX-XX/XX/XXXX XXXX  XXXX XXXX XXXX-XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX  XXXX XXXX XXXX-XX/XX/XXXXXXXX  XXXX XXXX XXXX-XX/XX/XXXX XXXX  XXXX XXXX XXXX-XX/XX/XXXX XXXX  XXXX XXXX XXXX-XX/XX/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. The credit bureau sent me a letter stating these places have a RIGHT to run my credit, but that is not true. By law, they can not run my credit without my authorization. Even with that being said, the credit bureau refuses to remove these unauthorized inquiries. I have filed a complaint with the FTC. FTC report # XXXX I have reached out to TransUnion more than 5 times in the last 3 months to advise them of unauthorized inquiries on my report. They continue to tell me that these creditors HAVE A RIGHT TO CHECK MY CREDIT WITHOUT MY CONSENT and I know that's not true. I have asked several times for them to remove the inquiries and they still refuse. I have filed a complaint with the federal trade commission against TransUnion. XXXX and XXXX have removed these inquiries. I'm requesting TransUnion to follow suit.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. XXXX XXXX XXXX XXXX acct. # ending in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX : acct. # ending in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX acct. # XXXX, these companies with these accounts have 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 states : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) states ; No consumer reporting agency can 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 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-11-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (KY)

My wife and I applied for a loan with Rocket Mortgage after they called and emailed multiple times ( attached ) and told me they got a request to pay off our current loan with Rocket Mortgage. We had a loan in process and Rocket promised us a low closing cost loan at a slightly better rate. I let the company ( XXXX ) who was working on our loan know our decision and they thanked my for notification. I have copies of this email. 
Rockets loan was for 2.125 % rate no points and they would pay for appraisal 15 year loan with approximately {$100000.00} cash out. Our current loan with Rocket is at 4.6 % with about {$65000.00} balance remaining. 

The Rocket agent promised that they could close the new loan quickly and that we were 100 % approved. We did all the steps required let their appraiser have access etc. and provided all documentation. I requested updates and they kept saying the ball was in their court. About 2 or so weeks ago Rocket called and said since appraisal came in for so much more than we estimated trying to get us to borrow more money. About two days later someone called and said its taken them too long to get the title company ( which they chose ) to close the loan so they sent me an updated rate with points ( their title company notified us on XXXX XXXX see attached email that they were working on loan ). I said that is unfair and could you please just keep the original terms. They passed me from person to person for about two weeks I think and now today the person XXXX XXXX tel XXXX email XXXX said " After speaking with many people it looks like we are not able to do the loan as was once stated '' He also said he tried to get in touch with me but was unable to get a response. I have no emails, texts or phone messages from him. I requested the Rocket Mortgage legal department contact with no response and told him via text that I was going to file a compliant with the Consumer Financial Protection Bureau. 

I have numerous emails and text messages from the 90 day ordeal ( most emails attached ). They got me to switch from a company that I had worked with before and a company which had extended lock periods due to their inability to get an appriaser in a timely fashion. This is unethical and I would assume illegal. 
Please let me now next steps. Thanks
Consumer complaint received 2021-11-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

I'm aware that these transactions is fraudulent [ Debit Card Purchase At XXXX XXXX, XXXX, XXXX On XXXX From Card # : XXXX from XX/XX/2021, Debit Card Purchase At XXXX XXXX, XXXX, XXXX On XXXX From Card # : XXXX from XX/XX/2021, Debit Card Purchase At XXXX XXXX, XXXX, XXXX On XXXX From Card # : XXXX from XX/XX/2021 ] These transactions belongs to someone else and someone has obtained my personal information ( identity theft, fraud, error ). I didn't sign any lease term agreements and I didn't authorize or give permission ( consent ) to XXXX XXXX to withdraw money from my account on any or lease tern agreements. After contacting XXXX XXXX and for further investigation on my behalf, XXXX is the merchant and the address that the item got delivered to was a ( XXXX XXXX XXXX, XXXX, TN XXXX ). I never lived there and I'm not responsible for any payments.
Consumer complaint received 2022-10-20
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: Experian Information Solutions Inc. (CA)

I asked the credit bureaus to do a XXXX review of my personal credit report they did and when i review after their reviews i see that there is still incorrect information reported in my report that they did not see. 
In accordance with the fair credit reporting act, XXXX  account numbers XXXX, XXXX, XXXX, XXXX, XXXX and companies that access my credit report without my consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights 15.usc 1681 section 602a sec2 : it also states a consumer reporting agency can not furnish a account without my written instructions, i have been violated
Consumer complaint received 2022-12-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (SC)

I have had my mortgage since 2009. I paid {$120000.00} for my home and after almost 15 years I still owe over {$100000.00}. I've contacted the Wells Fargo to try and get this matter resolved but they're saying that nothing is wrong with my loan but I feel like something is going on that I don't know about can you please help me. I need to know why my balance is not decreasing. Also I was denied alone modification because Wells Fargo stated that I did not make enough money. I was then granted one three years later by another agent that caught them in their lie.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

The end of last year, I went through a refinance on a property in XXXX AZ with XXXX XXXX, XXXX is the loan servicing. I set up autopay the same I had it before the refinance and without notifying me, they removed it as my payment for mortgage. As a result, I have a 30 days missed mortgage payment which drastically dropped my score. I tried to dispute and they came back saying it was accurate reporting. It was accurate, but the only reason it was reported as late was due to their error in removing my autopay without notifying me. They said they sent mail, but I did not receive any mail correspondence because I would have acted on it as soon as possible, as I do everything I can to make sure my credit is solid. That mortgage is now paid off completely and I have never had a missed payment before of any kind. XXXX said my only hope was contacting the credit bureaus to get it reversed. Every month since XXXX of this year, I have submitted a dispute but the answer remains the same and they will not change it. This wasnt my fault and I dont know why I have to be penalized for it. I never got a call, never got an email, and nothing in the mail. I dont understand how I could have possibly known they cancelled my autopay.
Consumer complaint received 2021-11-11
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (MO)

Re : Illegal Re-aging National Credit Adjusters ( Collection Agency ) has illegally re-aged an account from XXXX XXXX in the amount of {$1500.00} from XX/XX/2017. The Collection Agency has listed this debt as a new debt, which is false and illegal per Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 

This is a final attempt for correction before legal action is taken including damages. The attorney that I have consulted has requested that I make a final attempt for correction before a suit is file.
Consumer complaint received 2023-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (TN)

I was told I would receive a retention offer of {$300.00} after spending {$3000.00} on my American express XXXX card if I renewed the card. However after meeting the spending requirement and asking when I would receive the credit, a representative months later told me I did not meet the requirements. Then when I asked if I could receive a refund for the annual fee I was told I could not even though the only reason I kept the card was due to the retention offer they presented.
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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit reporting act, XXXX XXXX XXXX Acct # XXXX, XXXX XXXXXXXX Acct # XXXX, and XXXX XXXX XXXX acct # XXXX have violated my rights and have furnished my account information without my written consent and/or my written instructions. 

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 also states a consumer reporting agency can not furnish my accounts without my written consent and/or my written instructions.
Consumer complaint received 2022-06-28
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. (NY)

I am distressed that Experian has included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report one hundred percent accurate credit information. My dispute to correct the credit profile and demand more information about these accounts have yet to be respond to. Experian 's failure to positively verify these accounts has hurt my ability to obtain credit. Additionally, they updated the account stating they were able to verify the accounts accuracy without proof of this alleged item. But how is that possible? I have contacted the other bureaus as well to verify the accounts in question, and the accounts were deleted from my credit file. Since the account is inaccurate or incomplete, how is it then Experian could have verified the accounts correctly. The following information therefore needs to be reinvestigated. According to The Fair Credit Reporting Act. If the accounts can not be verified Experian must delete the accounts from my credit report and if they can not show proof, they have verified these accounts, Experian would be in violation of the law and violating my rights. 
According to The Fair Credit Reporting Act 15 U.S.C 1681 I ( 5 ) ( A ) According to The Fair Credit Reporting Act 15 U.S.C 1681 S-2 ( 8 ) ( E ) According to The Fair Credit Reporting Act 15 U.S.C 1681 I ( 1 ) ( A ) I continued my research and noticed there are violations presently listed on my credit report after Experian 's investigation was complete. Once again how is this possible if all the information listed is one hundred percent accurate and verifiable. 
I have circled the items I disputed on the attached copy of my credit reports to show the inconsistency between reporting of these accounts. 

For instance this item, XXXX XXXX XXXX in accordance with the Fair credit reporting act XXXX  account # XXXX, has violated my rights and is inaccurate/or incomplete because the date opened, high credit, date last active is inaccurate or incomplete. 

15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 section 604A. It also states a consumer reporting agency can not furnish an account without my written instructions Attached are copies of my credit report supporting my request, response of bureau validation and my ability to not obtain credit. Also the bureau took more than 30 days to complete the investigation. I have also included my certified mail tracking receipts and return receipts. 

Thank you for taking the time to read my dispute.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRUIST FINANCIAL CORPORATION (FL)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I looked on my credit report and saw there's a bankruptcy being reported without my consent. I have a right to privacy. This unauthorized reporting has caused me financial damage and great stress! I was recently denied approval of a HELOC due to this intrusive reporting! 

XXXX  XXXX Bankruptcy Case Number : XXXX Experian is also in violation of 15 USC 1681 ( a ) ( 4 ). A consumer reporting agency can not furnish any information on my consumer report without my written instruction. I am fully aware that the courts do not report to any consumer reporting agency.
Consumer complaint received 2022-06-28
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. (NJ)

N accordance with the Fair Credit Reporting act Accounts 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 XXXXXXXX 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 account without my written instructions.
Consumer complaint received 2022-06-28
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. (NJ)

N accordance with the Fair Credit Reporting act Accounts XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX 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 account without my written instructions.