davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I got a recent credit report after being charged high interest on a car loan for over 2 years and realized from the report that the information reported was wrong and not going back to the date I was issued the social security number and started having credit which was in the year XXXX. I went online printed my Social Security statement showing issue date of my history going back to XXXX, mailed them a copy with a copy of my drivers license Social security card, proof of mailing and a letter with a copy of the credit report sand all I got was a new copy of the credit report with the same information. I wrote back with the threat of the complaint and never heard from them, I guess this department dose n't mean a thing to them. 
My credit file shows my history only going back 3 years making it new credit with no experience thus opening the door to get charged higher interest, higher insurance rates, inability to purchase a home or get a mortgage. 
This is all a scam to get kickbacks by reporting wrong information then avoiding the issue. Furthermore all my payments are on time I have a 32 % usage of my credit limit, worked at the same job for 31 years lived at the same place for 18 years, have the same phone number for 15 years yet my score is below than a person who has a recent bankruptcy. Why?
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NC)

The debt that XXXX XXXX  for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and Simply be is trying to collect is outside of the statute of limitations in North Carolina where I live and where the card was opened is 3 years. My account number for XXXX XXXX  for XXXX XXXX XXXX is XXXX. My account number for XXXX Bank for XXXX is XXXX. My account number for XXXX Bank XXXX XXXX XXXX is XXXX. My account number for XXXX XXXX  for XXXX XXXX XXXXs XXXX. It has been more than XXXX years for all accounts. I have disputed the information with all credit bureaus and company and the company will not remove the information from my credit reports with the Bureaus although it is now a zombie debt. The statute of limitations is 3 years and we are well past that. The company 's neglect to remove this debt is hurtful to my credit profile and ability to live with financial freedom. I would like the account removed immediately from all credit bureaus.
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Account Name : XXXX XXXX Date Opened : XX/XX/2017 Amount : {$1000.00} Account Type : Charge Off This company has failed on multiple occasions in the past XXXX months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (TX)

Various details ( account status, date opened, payment status, date of last payment ) about this closed Fed Loan Services account are inaccurate. They are reporting late payments also incorrect to the credit bureaus. These late payments have different amounts of days late across the credit bureaus as well as the open date on the accounts are incorrect. I challenged this information through XXXX, XXXX, and XXXX  and nothing was changed. I would like payment status to be update to paid as agreed.
Consumer complaint received 2020-11-08
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXXXXXX {$46.00} XXXX XXXX  XXXX {$14000.00} XXXX XXXX  XXXX XXXX XXXX {$600.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Consumer complaint received 2022-06-23
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. (TN)

my idendity was stolen and someone opened up fraudulent accounrts in my name.Im extremely confused on how someone was able to get my information amd do that in my name. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i also have 8 fradulent nquiries on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-19
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. (IL)

I uploaded a letter to XXXX, XXXX AND TRANSUNION and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. XXXX sent me an alert which said the account was updated and the company verified my account. I asked for proof of any files to verify this account and if there aren't any, please delete this account. XXXX doesn't have any files to verify this account, nor will they delete it.
Consumer complaint received 2020-11-19
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: Nationwide Loan Consultants and Advisors, LLC (MO)

Misleading advertising and impersonating customers. Nationwide Loan Consultants out of XXXX XXXX, Florida. I was told I qualified for a loan through XX/XX/XXXXThey told me I could get 5..99 % apr for 60 months and gave me 3 loan amounts and monthly payments. When I called and talked to XXXX XXXX he told me I was approved for a debt consolidation loan. I told him my cards are not delinquent and creditors do not typically settle debts unless they are past 90 days past due. To which he responded you have to take several steps back to go forward. I told him no and he referred me to Nationwide. I then talked to XXXX, who I asked several times if my credit would be pulled outside of their soft pull and was told no. I then received a call from XXXX telling me she had offer for what I was looking for and she already had a login and a password? That was worrisome because she was impersonating me. I have a text with the email she " set '' up for me. I went through the info and received a decline. XXXX stated that was probably due to XXXX XXXX XXXX doing a hard pull on my credit, I asked her how when I have not had a conversation and I repeatedly asked XXXX during our reported call if hard pulls would happened and he assured me they would not. When I called XX/XX/XXXX they were concerned about how I got to them and stated they do not even work with loan brokers and even though I qualified they were not able to do the loan. They also stated they have been having issues with Nationwide doing this and it was not legal. I was told by Nationwide that they charge a 9.9 % fee that is taken out of the loan. That also was not true. XX/XX/XXXX stated I should only be billed for the loan and the origination fee and stated they had to close out the loan app. I called XXXX to tell her and she said I shouldn't worry about hard pulls because the loan will clear it up? I asked why she had established a password for me and she then said its in the contract. I asked her to send to me info stating she can impersonate me and apply for loans on my behalf up to even providing me a password on the 3rd parties account. I also told them to cease and desist. I then received a voicemail from XXXX who also wanted to revert to agreement. This is bait and switch. They assured me no hard credit pulls would happen then tell me its in the agreement. Both reps were extremely defensive when I asked point blank questions about credit pulls not being authorized and that I was assured verbally by XXXX that they would not ( on a recorded line ). Bottom line is the one loan companyXX/XX/XXXX I talked to and was approved by does not use third parties like Nationwide. Nationwide was told repeatedly I do not want my credit pulled ( outside of the soft pull ) and mislead to believe that would be the case ( Misleading and Unscrupulous tactics ).
Consumer complaint received 2020-11-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off my credit report.
Consumer complaint received 2020-11-08
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. (IL)

I contacted XXXX in the past concerning the accuracy of the information that they was provided to Equifax XXXX and XXXX I had received little communication and very few documents from them. On XX/XX/2020 and XX/XX/2020 I contacted XXXX to validate this account via certified mail. XXXX recently sent me a letter that states that another company originated the account and that they only serviced the account in which they do not own. XXXX  provided me with a document that clearly shows no signature XXXX  violated The Fair Credit Reporting Act and The Fair Debt Collection practices by not placing the required disclosure that this account was in dispute they didn't do it in 30 days and they didn't do it in 60 days. XXXX has also failed to validate this account which is a requirement of the Fair Credit Reporting act.
Consumer complaint received 2022-02-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (NC)

On XX/XX/2022, I requested additional insight into erroneous liens appearing on my XXXX XXXX XXXX. Per CFPB I should have access to any documentation that is used for credit decisioning. I was never presented with this information. I requested more information XXXX separate times & called Better Mortgage to request a change in personnel on my file on numerous occasions. On XX/XX/2022, I finally received an email providing a little more context into the claimed outstanding judgements. They are all from my XXXX. I provided the lender with a XXXX decree to confirm that these debts were not real. Moreover, I have an order of protection from my XXXX so it is physically impossible for there to be any liens after the XXXX. We have a no contact order. Despite being presented with this information, they continue to provide delays to my loan and notify me that they will not be able to close by the target closing date. I would like them to be held liable for any cost incurred by me for negotiating an extension in closing date. As well as any fee 's incurred if I am forced to find a new lender in order to save this transaction
Consumer complaint received 2020-09-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

This company is trying to extort money from me for a debt that has been resolved and repeatedly harassing me by telephone calls multiple times daily with robo calls. I paid payments to the credit card company 's attorney for this debt and they ultimately sent a payment back saying they were closing my account with this office. Without knowing who these callers are, they ask for very personal information and have never offered proof of this debt and have been reporting this information on my credit report. I have attached the letter from XXXX XXXX attorney. I have no clue where they got their balance as I have several payment receipts to the attorney regarding my payments and assumed they accepted these payments in full for final payment as they returned my last payment and issued a letter.
Consumer complaint received 2022-06-23
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 — Was not notified of investigation status or results
Company: ERC (TX)

This is a formal complaint against Enhanced Recovery Company located in XXXX, FLORIDA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Enhanced Recovery Company has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2023-04-05
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. (TX)

I obtained my card from XXXX XXXX on XX/XX/2021. 

In violation of 15USC 1681 ( Fair Credit Reporting Act ), XXXXl XXXX has daily harassed me via email and has shared my information with third parties without my permission. 

I have communicated with XXXX XXXX several times in an attempt to resolve this issue, but the only response I have received has been increased harassment ( multiple daily emails ).
Consumer complaint received 2020-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I opened a secured card with Bank of America with a {$500.00} credit limit where I paid the {$500.00} and was able to use the card and make monthly payments. This was to help build my credit instead the card came with higher than normal interest and fees. I lost my job and fell behind in making my monthly payment on the card. I have tried to work out an agreement with Bank of America to pay this card to no avail. The bank is saying I now owe {$1000.00} but how when the credit limit was only {$500.00} and I put up the {$500.00} to use as collateral. Bank of America is a rip off to hard working people trying to improve their credit and especially to minorities like myself. I want this charge off from XX/XX/07 off of my credit and a full audit of the account in question and all late fees, and high interest removed along with my {$500.00} credited to this account and call it even for I don't owe {$1000.00}
Consumer complaint received 2020-11-30
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. (OH)

On XX/XX/2020 and XX/XX/2020 I sent letters to XXXX to provide physical verification for accounts that are being reported on my credit report, and for those items to be deleted. After 30 days there was nothing sent to me to and items still show on my report. As of today XX/XX/2020 have still yet to receive any physical verification of these items belonging to me. Per section 609 of the FCRA they are required by law to provide this information, and if they can't the items should be deleted at once.
Consumer complaint received 2022-06-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (MI)

I applied for a mortgage loan on my home that I own outright in XX/XX/2022 because Chase was no longer doing HELOCs.

I was told I needed to put down {$500.00} as good faith funds ( which was a struggle for me ). I was given misinformation regarding the type of home appraisal that was needed. I was told it would be a drive by, it was not. In addition, they told me I needed to make {$5000.00} worth of repairs to my home before they would approve my loan. This was not something I could afford. 

I asked them to refund my good faith funds since I was misinformed on the appraisal and was never made aware that repairs of this nature could be a possibility. They refused to give me my funds back. 

I dealt with XXXX XXXX and XXXX XXXX originally. XXXX XXXX was nice at first until I began questioning the process and brought it to a supervisor 's ( XXXX XXXX ) attention that I had been having issues. XXXX then called me out of the blue on XX/XX/XXXX and harassed me telling me that she did nothing wrong, her manager was on her side, and that even if she had done something wrong I would never get my money back. I asked for a copy of the recorded phone calls, and she refused to give them to me. 

I made Harms aware of this phone call, but I never heard back, so I contacted his supervisor, XXXX XXXX. 

XXXX was the first person to get any forward progress. He said he would get all of the sales and lending managers together on the phone to discuss the issues. By XX/XX/2022, I received a phone call and an email from XXXX stating that I would be receiving a full refund of my good faith funds within 7-10 days of him closing out my loan file. 

I thought that was that, until I didn't receive a refund or an update in almost two months time. I reached out to XXXX twice this past month and finally received an email response on XX/XX/XXXX stating that my refund was actually denied and that I wouldn't be receiving my money. 

XXXX 's supervisor, XXXX XXXX, said this was due to a " policy change '' during my application process. 

I was never made aware of this change, I was never notified that I wouldn't be receiving my money back, in fact it was the opposite. I was told I would be receiving a refund, I was given a timeline, and an apology. 

Throughout this process I have been misinformed, talked down to, harassed, ignored, and blatantly lied to.
Consumer complaint received 2022-07-11
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 XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX 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 2020-11-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

I am a XXXX XXXX borrower who has been impacted by COVID19. I requested mortgage assistance from Rushmore back in XXXX and was granted a forbearance. Once my XXXX  started picking up again I attempted to reach an agreement with Rushmore for a repayment plan or possibly to tack the amount I owe to the end of my loan. Rushmore informed me that my only options was a loan modification that I would have to apply for. I informed Rushmore at the time this option was offered that I was barely getting back on my feet and did not have the same income as before. After a month of going back and forth submitting docs and completing the application, Rushmore informed me that I did not qualify for the modification and therefore owed a balloon payment at the end of my forbearance period. 

I have saved everything I possibly could over the last few months and am prepared to make a payment toward the amount I owe and continue to go back to my regular payments immediately if they would just consider other alternatives than to foreclose on my because I do not have the complete amount.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute several hard inquiries that appear on my credit report. I believe these inquiries were made without my consent and are negatively impacting my credit score. 
I have carefully reviewed my credit report and have identified the following hard inquiries that I wish to dispute : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-02
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible : 1. Other information I would like changed CAPITAL ONE Account Number :  XXXX Please remove this inaccurate information from my credit report. 

2. XXXX  XXXX XXXX ACCOUNT NUMBER : XXXX