davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: CMG MORTGAGE, INC (CA)

Hi there, My wife and I are relocating from XXXX to XXXX. We went out there XXXX XXXX found a home we really loved. Come approx XX/XX/XXXX XXXX we started the reapproval process with XXXX XXXX of CMG Home Loans " XXXX XXXX XXXX '' who was the preferred lender of XXXX XXXX. This is our first time ever dealing with a preferred lender as is our first time buying new home construction. The builder was offering incentives so we went with CMG Mortgage and started the pre-approval process. In order to go under contract we had to put down XXXX of earnest money to hold the lot. We were told that we would be locked in at a 5.75 % interest rate which we thought was good at the time, because we know interest rates were rising. As we get closer to the close date, we had to do another credit check and the numbers were reconfigured. We then received quotes showing that the interest rate went up to 7.625 %. It wasn't until we pushed back that they made a " last minute deal '' and then all of a sudden gave us the original interest rate, by then we had already spoken to lender that our real estate agent has done business with for years and he said we were XXXX XXXXXXXX from  every angle and the fees are astronomical. It was a that point we knew we were dealing with dishonest people for the biggest transaction of our life, we no longer wanted to do business with other one of them because of how dishonest they were. Now my family is without a home, down XXXX that the builder will not release all because of a greedy loan officer who thought we were too stupid to know what was going on under our nose. Our real estate agent pleaded with the builder to get the money back and we had no such luck. If it wasn't for the lack of transparency and communication, we wouldn't be down XXXX that we could have put going elsewhere. Now we're trying to figure out our next moves and hope and pray we don't get taken advantage of again.
Consumer complaint received 2022-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (AZ)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, XXXX, and XXXX 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. It, also, states a consumer reporting agency can not furnish an account without written instructions. 

The following information is incorrectly reported by XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX ) account number : XXXX, date opened : XX/XX/XXXX, last date active : XX/XX/XXXX. This is fraud on XXXX levels : I have personally contacted XXXX XXXX and told me XXXX XXXX opened the account in XXXX. I was overseas, now this new company is claiming I ( XXXX XXXX ) have an account with XXXX which is libel. I have never had an account with XXXX XXXX. 

The following information is incorrectly reported by XXXX XXXX XXXX XXXX : JEFFERSON CAPITAL SYSTEM ( Original Creditor : XXXX XXXX XXXX ) account number : XXXX, date opened : XX/XX/XXXX, last date active : XX/XX/XXXX. This is fraud on XXXX levels : I have personally contacted XXXX XXXX and told me XXXX XXXX opened the account in XXXX. I was overseas, now this new company is claiming I ( XXXX XXXX ) have an account with XXXX which is libel. I have never had an account with XXXX XXXX. 

The following information is incorrectly reported by XXXX XXXX XXXX XXXX : JEFFERSON CAPITAL SYSTEMS ( Original Creditor : XXXX XXXX XXXX ) account number : XXXX, date opened : XX/XX/XXXX, last date active : XX/XX/XXXX. This is fraud on XXXX levels : I have personally contacted XXXX XXXX and told me XXXX XXXX opened the account in XXXX. I was overseas, now this new company is claiming I ( XXXX XXXX ) have an account with XXXX which is libel. I have never had an account with XXXX XXXX.
Consumer complaint received 2023-05-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NE)

In XX/XX/XXXX, I opened a Lowe 's credit card through synchrony bank with a 0 % APR offer for 24 months for a vinyl flooring installation. I was told that I would have 0 % APR on purchases for 24 months, and that the interest rate would not then increase if I paid off the balance of {$3400.00} in 24 months which led me to accept the service contract. 

I made the arrangement to pay off the balance in full by the said 24 months by configuring an automated pay of {$150.00} starting from XX/XX/XXXX to ensure I adhere to the terms and conditions and utilize the 0 %. However, I noticed in XX/XX/XXXX that I was being charged the standard interest on that purchase instead of honoring the 0 % XXXX that I was offered. 

I immediately called customer service to inquire about this, and I was told that it was some form of error and I should have been charged the 0 % APR as per the contract. The customer agent assured me that she would make the adjustment and I should not see any additional interest charges in the future and the interest rate refund would be applied to the principal balance in 1-2 billing cycles. 

Based on the guidance I received from the customer agent, I waited for 1-2 billing cycles and followed up diligently with customer service but couldnt lead to a resolution as my principal balance was not adjusted with refund of interest charges charged from XX/XX/XXXX through XX/XX/XXXX. 

After multiple calls and spending a lot of time with customer service, in XX/XX/XXXX one of the customer service agents was able to help me and assured she was able to make adjustments on my interest rate refund request and was able to refund {$1100.00} that was charged from XX/XX/XXXX through XX/XX/XXXX. I should be seeing an amount of {$1100.00} reduced from my principal balance and should see that reflected in the next XXXX hours. The reference number given to me was # XXXX. 

To my disbelief, when I reviewed the account in 2 days, I could only see an adjustment of refund made for only 9 months ( XX/XX/XXXX through XX/XX/XXXX ) for an amount of $ XXXXinstead of the whole interest charges from XX/XX/XXXX through XX/XX/XXXX. I am still entitled for the refund of the remaining interest amount charged from XX/XX/XXXX through XX/XX/XXXX. 

I have made follow up call on XX/XX/XXXX with employee # XXXX and had requested to escalate this matter to the accounting department as I couldnt get a resolution from the customer service for the refund of the remaining interest charges and as I was told that the team couldnt go back beyond XX/XX/XXXX for refund issuance due to system limitations. 

I got a letter dated XX/XX/XXXX from the synchrony credit bureau specialist that they will not be able to remove any additional interest charges from the account.
Consumer complaint received 2024-09-25
Product: Credit reporting 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. (TN)

There inquiries on my credit report that are not mine. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXXXXXX XXXX Balance : {$470.00}, XXXX XXXX XXXXXXXX Balance : {$430.00}.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

Equifax has a rather annoying process for their help center. I have had problems verifying my identity which you must do in order to do anything on the help line. I called multiple times on XXXX and XXXX but failed to speak with an agent each time as you have to verify your identity first. I tried emailing on XXXX since calling about this issue has not worked, but it was not resolved by them. They sent me an email on XXXX with a link to log into my account, but I can't do so as I have to verify my identity. I just want to verify my identity so that I can unfreeze my credit report. They make it very difficult to verify your identity and they don't provide enough support services.
Consumer complaint received 2023-05-31
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. (PA)

To Whom It May Concern : I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : XXXX XXXX ( XXXX ) Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( XXXX ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 


Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations. 
Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

RE : Letter to Remove Inaccurate Personal Information : To Whom This May Concern : I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : Full Legal Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX Please delete all other names and addresses. I can not receive mail or send mail out from any other address other than the one address listed above. Their are incomplete and unknown addresses and phone numbers listed that should not be on my personal credit. Everything is incorrect but the address listed above this paragraph and the phone number listed below this paragraph. 

My only phone number is XXXX Please delete any other phone number as they do not belong to me. I can not send or receive any calls or text messages from any other number than the one listed above.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX and Transunion are reporting balances and active status for discharged student loans with a XXXX balance. XXXX is the only correct credit bureau. 

Contacted : XX/XX/23 Amount : {$160000.00}
Consumer complaint received 2023-02-23
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. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 2023-05-31
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. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2022-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Avant Holding Company, Inc. (FL)

on XX/XX/2021 and account was opened under my name and reported to all three credit bureaus i have never opened and account with XXXX avant i contacted the company and was told that they know that it was fraudently opened but that i needed to fill out and affidavit and file a police report and i completed both and filed them with the company but to this point the account is still being reported to all 3 bureaus and has not been removed Thank You XXXX XXXX
Consumer complaint received 2023-05-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (KY)

We refinanced with QuickenLoans/Rocket Mortgage back in XXXX of XXXX. When we refinanced we were incentivized by the low interest rate and the monthly payment going down due to economics at the time. 

Our monthly payment at that time was roughly {$1700.00} at that time and has been that since we switched to Rocket Mortgage. However, they just sent over an escrow analysis and they miscalculated our escrow for the year of XXXX by almost 10x the amount as they estimated {$480.00} in county taxes but those taxes were actually more than {$4000.00}. We are now being asked to cover the deficit in our escrow account as well as cover the difference for next year 's escrow payment. This is causing our monthly payments to increase by nearly {$800.00}. Rocket Mortgage has been essentially a stonewall when it comes to discussing this issue and not accepting any accountability for the mistake in our escrow analysis.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-03-25
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: Experian Information Solutions Inc. (CA)

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against Experian Credit Reporting for their inaccurate reporting of mXXXX XXXX XXXX XXXX XXXX ( Revolving ) account number : XXXX. This account was opened on XX/XX/2021. The information being reported by Experian Credit Reporting is inaccurate and is violating several laws, including the Fair Credit Reporting Act. 

I have reviewed my credit report and found that Experian Credit Reporting is reporting inaccurate information regarding the addresses associated with this account. They are reporting the following addresses : " XXXX XXXX XXXX XXXX, CA XXXX '' and " XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX. '' However, I have never lived at these addresses nor have I authorized XXXX XXXX to report these addresses or account to Experian Credit Reporting. 

As per 15 USC 1681i ( 5 ), it is the responsibility of the credit bureaus to modify or delete accounts that are not reporting accurately. However, despite my efforts, Experian Credit Reporting has failed to take any corrective action. They continue to report false information, which is affecting my credit score and ability to obtain credit.

Moreover, as per 15 USC 1681b ( 1 ), credit bureaus must have written permission from consumers to report their information. However, Experian Credit Reporting has reported my XXXX XXXX XXXX XXXX  ( Revolving ) account without my written permission, which is a clear violation of this law. 

Furthermore, as per 15 USC 1681, I have the right to privacy, which has been completely disregarded by Experian Credit Reporting. According to 15 USC 1681s-2, 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. The credit bureau has been notified of the inaccuracies, yet they continue to report false information. 

Therefore, I demand that Experian Credit Reporting delete the inaccurate information immediately, including the incorrect addresses associated with my XXXX XXXX XXXX XXXX ( Revolving ) account. Additionally, I request that they compensate me for the financial losses and emotional distress I have endured as a result of their inaccurate reporting. 

I urge you to take immediate action against Experian Credit Reporting and ensure that they comply with the laws that protect consumers ' rights. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-16
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. (FL)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
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 XX/XX/XXXX
Consumer complaint received 2022-07-15
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. (TN)

In accordance with the Fair Credit Reporting Act The Department of Education XXXX Account # XXXX, has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.