davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I continuously keep on contacting Experian to fix and issue on my credit report due to identity theft and they refuse to fix the issue. I sent in the FTC report and also did a police report. 
XXXX XXXX XXXX acct # XXXX XXXX  XXXX XXXX acct # XXXX
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX Receivables, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # XXXX 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 2022-05-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have the information that they used to open the account in my name. I received 5 Emails on Friday XX/XX/XXXX. 1. Verify you email. address 2. Online Application in Progress 3. Your application was approved 4. Your email address was updated 5. Welcome to mobile banking. The first one came at XXXX PM and the last one at XXXX PM. 

In the email that stated your application was approved, I had a " Bank of America Advantage Plus Banking '' new account that showed a Account # and the last 6 digits. I also had a confirmation number for my application. I don't, nor i have EVER had a checking account with BOA. 

In ALL of the emails, it stated, If you don't recognize this activity, call us at XXXX. 

The first time I called, after several attempts, I spoke to someone who sent me to the fraud department. When I got to Fraud, the lady flat out told me, we only help customers with BOA accounts, I can't help you. You need to call a different number that can assist you. The number she gave me, XXXX is a third party number that was automated asking if i was over the age of 55 trying to sell me stuff. 

Now, i am over an hour into this and i can't get the BOA number to get me to ANY person because thier automated system ONLY wants to let members call. I am fuming at this point because someone can be opening up credit cards now in my name. FINALLY I get in contact with a banker who " can't '' help me but I was very persistent with what was going on and he graciously asked for my social and saw that I did infact have a account open. When he said he was going to transfer me to the fraud department i told him what happened and he said he would stay on the line with me until they picked up to explain the situation. 40 minutes later the fraud department answered. 

I started my phone calls at XXXX and finally got this account closed at XXXX. 

The person used my XXXX address on the account, I live in XXXX. The emails came to my XXXX but the email on file was not my XXXX  The name on file was not mine, nor was the phone number. Phone number was XXXX, name : XXXX Email : XXXX XXXX
Consumer complaint received 2020-07-29
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX  and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX  XXXX, XXXX XXXX Company Inquiry : US SM BUS ADMIN ODA
Consumer complaint received 2021-05-07
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. (AL)

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXXXXXX XXXX XXXX XXXX XXXX  on XX/XX/2020 ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/2020 XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) XXXX. XXXX on XX/XX/2020 XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX  on XX/XX/2020 ( Reported Identity Theft ) XXXX. XXXX on XX/XX/2020 XXXX Reported Identity Theft ) XXXX. XXXX  on XX/XX/2020 XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/2020 XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX  on XX/XX/2020 ( Reported Identity Theft ) XXXX. XXXX on XX/XX/2020 XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/2020 XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XX/XX/2020 ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/2020 XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/2020 XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX XXXX  on XX/XX/2020 ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/2020 XXXX Reported Identity Theft )
Consumer complaint received 2020-07-28
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: RUOFF MORTGAGE (IN)

XX/XX/XXXX, XXXX est I'm trying to refi my mortgage. I am filling out the online app for RUOFF mortgage company. Their site uses a third party software called " XXXX XXXX '' that walks me through certain steps. ( sort of like a tax program ). I am nearly finished with the application and notice that my credit report has already been added and is viewable at the bottom of my form. I open the file and see a couple of things on my credit report that I have questions about. Just above my excellent credit score is a phone number to XXXX. I call that number. XXXX. An XXXX woman answers and asks me for my name, phone, address, city, state and zip. She asked me to say AND SPELL all of my information for her recording so she can be sure to keep my information " safe, '' and to send me to the next person to answer my questions. She then thanks me and says that the next person is the manager. She transfers me. He is also XXXX and very hard to understand. He confirms my information and says he's going to read the legal information to me so I know I'm protected and to please NOT interrupt him. He starts talking sooooo fast that I can not understand a word he is saying. He says, it's ok, he's going to send a followup email with this information. I ask when I can ask my questions -he says " in a moment, that because of safety, I need to give you a verification number right after I'm finished and when you say, verify, I'll answer. '' I started getting upset with him and asked him who he was. He did not answer. He said, verify -I wouldn't, so he did and immediately an ad is played where I am asked to purchase vitamins. He comes back on and I say, why would you play me an ad about vitamins when I have questions about my credit. He says because you might like them. I say NO, and ask him who he is working for. He hangs up with a chuckle at the end and says, call this number for your credit questions : XXXX. I did not call that number, I called my credit card company immediately and they had already flagged a charge. I'm very concerned that they have other information about me and not sure where to go next with this important information. My credit card company is going to send an ID theft kit. Also, just a reminder -This number is off of my refinance loan application credit report on Ruoff Mortgage 's application site. XXXX. People need to know this. Ive attached a screenshot. Thank you for any help you might offer.
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXXXXXX {$15000.00} XXXX XXXX   XXXX {$130.00} XXXX XXXX {$890.00}
Consumer complaint received 2021-04-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MI)

XX/XX/2021 I applied to refinance my mortgage through XXXX XXXX  for a lower interest rate. XXXX XXXX sent me an email notifying me of an inquiry alert and that my credit score would not be affected for 14 days. Email attached. 
Within 1 hour Equifax decreased my score 26 points. XXXX and XXXX have kept my score the same.

Please note out of 7 changes Equifax  states is the reason for decreasing my score 6 are decreased balances on credit debt. I have been VERY conscience to pay my debt off and monitor my scores. Every other week Equifax  has some bogus reason to significantly decrease my score.
Consumer complaint received 2021-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I checked my credit report and sent out letters to XXXX, XXXX XXXX Equifax to remove the late payments reporting on my credit profile as it is henerding me from getting credit! Pursuant to 15 USC 1681a ( 2 ) ( a ) ( i ), Congress said, The term consumer report does not include transactions or experiences between a consumer and the person making the report. The line of credit in which you use and how you use is are Transactions, When you swipe a card thats a Transaction, Your Payment History is a Transaction. My experience is the Line of credit, so if my consumer report does not include the Transactions or experiences Then where does a LATE PAYMENT COME FROM? WHERE DOES HIGH UTILIZATION COME FROM? IT IS NOT SUPPOSED TO BE ON THE CONSUMER REPORT AT ALL ACCORDING TO CONGRESS!

I have attached the letters sent, Law 15 USC 1681a ( 2 ) ( a ) ( i ), & Copies of the credit report!
Consumer complaint received 2019-10-23
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (UT)

Over the past 14 months since I opened the card, I have tried to solve this problem by calling the customer service number at least 5 times. I received a letter in the mail that was a promotion for the XXXX XXXX MasterCard through USBank. It had an application number and I typed it in on the website and filled out the application. Originally, it said I was denied on the website, but then a few days later I received the card in the mail. The promotion was detailed on the application I received in the mail and it was that if I spend at least {$500.00} in the first 30 days of account opening, I would receive {$150.00} statement credit. The fine print said to wait 6-8 weeks for credit to be applied. I spent well over {$500.00} the first month and after 3 months went by, I started getting suspicious. I called them and they only gave me the run-around when I called them. First they say you need to call XXXX XXXX and give you an old nonfunctional number. Then they say they will call you back, then they say they can give me {$30.00}. This latest call from XX/XX/19 was the most helpful because they submitted an information request and I received a letter in the mail that basically says they won't give me anything until I show them proof of their promotional offer. I feel like they are legally required to have such documentation.
Consumer complaint received 2020-07-29
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

I contacted USAA to do an interest rate reduction refinance loan for my VA home loan that is currently with USAA. I went through application, and when I received my disclosures, saw that the required disclosure " IRRRL Comparison Statement and Recoupment Calculation '' was wrong. I contacted USAA and my mortgage specialist acknowledged there was an error, but said she didn't know if she could fix it. I told her I wanted to know the actual numbers before deciding on the loan. 

On Saturday the XX/XX/XXXX, I got a call that asked me to send an email/photos of what was wrong. I sent it the same day, with two issues : I was looking for a loan comparison that normally comes with a cash out refinance, which apparently doesn't come with an IRRRL -- - and I was looking for a corrected IRRRL disclosure. I sent photos of the document with notes to clarify the error. 

On XXXX XXXX, I got an email from USAA 's Loan Originator telling me that " we are talking about different things '' and " Unfortunately, we would not be able to generate that document for an interest rate reduction refinance. '' On XXXX XXXX, I received a call from the mortgage assistant stating the same, and affirming that despite the number being grossly wrong, " management '' told the assistant they weren't going to fix it or send out any more disclosures. 

A huge factor in refinance is the recoupment for the loan cost. My current loan is with USAA, however, they incorrectly list PITI and PI as the same amount, despite knowing otherwise. They own my current loan and have ready access to this information. The comparison rate lists the new PI, and comparison PITI correctly, and this " funny math '' makes the time to recoup closing costs grossly incorrect. 

I was told the actual savings for buying down points would be somewhere around {$400.00} per month, with points at the cost of over $ XXXX. However, the disclosure incorrectly states the reduction in PI to be almost {$1100.00}. This is almost 200 % the amount I was verbally told. At this reduction, it would only take 10 months to recoup closing costs, which is what the disclosure states. I have asked repeatedly for an accurate disclosure and was told " no ''. 

I think it's wrong to lie/mislead a customer, much less a Veteran. I have banked with USAA for over 18 years, and I was really shocked that the primary disclosure for IRRRL was grossly wrong. USAA wasn't willing to fix it. I have not received an accurate disclosure. Banks should be held to an accuracy standard.
Consumer complaint received 2022-06-30
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. (PA)

I had notified the credit bureaus of this unauthorized inquiry on my report. I never gave the consumer reporting agencies consent to give this debt collector my information. This is violating my rights.
Consumer complaint received 2019-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (HI)

Aloha, on XX/XX/19 I received my new mortgage statement for the up coming month to be paid in XX/XX/2019. In the statement it showed that I had whats called a short Fall in my escrow or reserve account. This can be common, because taxes and insurance can miss calculated, especially when it comes to Mr. Cooper. The experience is most of the employees are poorly trained and unable to answer any question correctly. When I studied that monthly mortgage statement t, i found the reason for the short fall. If you go back to my previous complaint against these BOZOs # XXXX, you will see that after the CPFB involvement they suddenly made all the corrections. But, what the BOZOs missed was crediting my escrow those two payments. So, I have NO clue where the escrow monies went? But they didnt get credited to my escrow account. Thus causing the short fall. This is now my second complaint against these BOZOs, and it is my hope that the CPFB will place a fine against Mr. Copper, they now have a D rating with XXXX XXXX XXXX, how do you even do that. XXXX XXXX only had a C rating. 
So, we need to get my two months of escrow credited asap thus not requiring my payments to go up due to the miscalculation of Mr. Cooper.
Consumer complaint received 2020-07-28
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: Experian Information Solutions Inc. (IN)

XX/XX/XXXX, XXXX est I'm trying to refi my mortgage. I am filling out the online app for XXXX XXXX  company. Their site uses a third party software called " XXXX XXXX '' that walks me through certain steps. ( sort of like a tax program ). I am nearly finished with the application and notice that my credit report has already been added and is viewable at the bottom of my form. I open the file and see a couple of things on my credit report that I have questions about. Just above my excellent credit score is  a phone number to Experian. I call that number. XXXX. An XXXX woman answers and asks me for my name, phone, address, city, state and zip. She asked me to say AND SPELL all of my information for her recording so she can be sure to keep my information " safe, '' and to send me to the next person to answer my questions. She then thanks me and says that the next person is the manager. She transfers me. He is also XXXX and very hard to understand. He confirms my information and says he's going to read the legal information to me so I know I'm protected and to please NOT interrupt him. He starts talking sooooo fast that I can not understand a word he is saying. He says, it's ok, he's going to send a followup email with this information. I ask when I can ask my questions -he says " in a moment, that because of safety, I need to give you a verification number right after I'm finished and when you say, verify, I'll answer. '' I started getting upset with him and asked him who he was. He did not answer. He said, verify -I wouldn't, so he did and immediately an ad is played where I am asked to purchase vitamins. He comes back on and I say, why would you play me an ad about vitamins when I have questions about my credit. He says because you might like them. I say NO, and ask him who he is working for. He hangs up with a chuckle at the end and says, call this number for your credit questions : XXXX. I did not call that number, I called my credit card company immediately and they had already flagged a charge. I'm very concerned that they have other information about me and not sure where to go next with this important information. My credit card company is going to send an ID theft kit. Also, just a reminder -This number is off of my refinance loan application credit report on XXXX XXXX XXXX application site. XXXX. People need to know this. Ive attached a screenshot. Thank you for any help you might offer.
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I would like to file a complaint against Experian for discriminatory actions against minorities. Currently, this company refuses to correct inaccurate data information on my credit report. They continue to report erroneous information. This company has also mailed my personal credit report to my previous job address, which I never gave them permission to do so in the months of XX/XX/XXXX to XX/XX/XXXX. I already sent them correspondence with my home address of prior record being XXXX XXXX XXXX. This company refuses to remove incorrect information such as XXXX account when they reporting it as late, when this account was closed since XX/XX/XXXX. 

I reached out to Experian and they refuse to investigate the matter. I can not even submit a request online to submit a dispute. There are approximately 5 accounts in which they refuse to correct on my account.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have checked my credit report and saw items appearing that I am not aware of. I already have sent a dispute with the credit bureaus demanding to make an investigation and delete these items on my report but I have not received any response and this is a violation of my rights. Below are the items appearing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX