davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have multiple accounts on my credit report that do not belong to me. I filed a police report, an identity theft report, and disputed them with all the credit bureaus. Some have been removed but the bankruptcy, an account with XXXX XXXX XXXX, and an account with XXXX XXXX none of which belong to me.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Problem with TransUnion and XXXX XXXX XXXX. This dept is going to be XXXX XXXX XXXX, XXXX reopened my account without any given knowledge or reason. TransUnion is treating this as a new debt, by stating the fact that i had one missed one payment this month. This action not only had lowered my credit score. But a loan credit card i have, called XXXX, cut me off from using it. The card is paid well and on time, upgrade is another complaint. The Statius of this credit card changed when XXXX XXXX reopen the old loan, and then first missed payment reported. Can you please do something to correct this situation. Thank you
Consumer complaint received 2020-09-17
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. (FL)

Hello! 
My credit report from XXXX, XXXX, and TransUnion all reported 9 delinquent charges from the same collection company : XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, FL XXXX XXXX The flag/delinquencies are FALSE. I took care of these bills directly with the hospital XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. This was after I filed for finanical assistance and received 100 % discount from the hospital as noted in the attached letter to this file. I submitted this letter to XXXX the collection agency, who informed me the charges would be closed. Yet I come to find out today, as of XX/XX/XXXX this collection agency STILL reported 9 hits agaist my credit score for the same account, deducting my credit score by 120 points. ( Went from XXXX to XXXX credit score in less than 30 days ). 

This is DIRECTLY EFFECTING my ability to purchase a home that I am currently under contract for and my ability to get the loan my mortgage lender has submitted for me. I can not have this false reporting negatively impact my future. Please help.
Consumer complaint received 2020-09-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: KEYCORP (OH)

I paid off the loan XX/XX/2020. 

I called XXXX XXXX to learn my title was just requested for release. However, it one month since unpaid off and I can't get answers about the where abouts of my car title.
Consumer complaint received 2020-09-17
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXX XXXX {$420.00} XXXX/XXXX  XXXX {$800.00}
Consumer complaint received 2022-02-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TRUIST FINANCIAL CORPORATION (CA)

On XX/XX/2022, I applied for a private party auto loan with XXXX XXXX XXXXBB & T dba Lightstream ) for {$15000.00}. I submitted my personal credit profile ( including SSN ), info about my income, etc. so that they can evaluate me for a used auto loan. 

They denied me although my credit is strong, I have no negatives, no collections and very strong income ( $ XXXX ). 

When I went to ask them why they denied me, they said that it is an unsecured loan ( meaning higher risk ) and that they couldn't approve me for the unsecured loan. 

If I wanted an unsecured personal loan, we live in the U.S.A. ( there's something for EVERYONE! ), I would have made that query. 

I have XXXX too. 

My query was for a SECURED private party used auto loan. Why does their website call it an auto loan when it's actually unsecured? 

They say it's unsecured so they can view things as higher risk ( and justify their terrible decisions ), but that's absolutely misleading. 

I would have never submitted any information to these people if I knew their tricks & deception. 

After speaking with their 'manager ' XXXX XXXX XXXX I was eventually hung up on. They don't provide their last names, I had to ask several times to be transferred to a manager. 

Terrible customer service, liars, misleading, worthless company that doesn't help anyone. They get a bunch of personal information from people only to deny them. 

They've hurt my credit with the denial. I have strong income, ( had ) strong credit until they got a hold of my information and made it go down almost 100 points overnight and the car would have secured the loan, making it lower risk, had they been promoting themselves the proper way. 

I would love to know their real purpose for existing. Probably stealing people 's identities with all the personal data they collect, just to deny them. 

Absolute waste of time & energy.
Consumer complaint received 2020-09-17
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (AZ)

I am a veteran who has a current VA loan with Freedom Mortgage XXXX this company bought my loan from J G Wentworth ). I have never had a late payment with Freedom Mortgage.I began receiving solicitation from Freedom to take advantage of the IRRRL ( interest rate reduction refinance loan ). In late XXXX I called and XXXX took my application. Email correspondence began in XX/XX/2020 with XXXX XXXX XXXX XXXX XXXX ) XXXX.I have sent emails to him beginning XXXX XXXX and 6 other emails to XXXX XXXX with the last one XX/XX/2020. In addition, I have record of 5 voicemails. XXXX XXXX is very slow to return calls and emails. Whenever I have been asked for a document I have responded within 24 hours. The exception is a letter from me granting permission for the lender of my HELOC XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ) to request a credit report. I have explained that AFCU does not require a credit report. I have explained this via email at least 5 times. I believe Freedom is speaking with the wrong XXXX XXXX. I'm told my loan now at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. She has twice asked me for the same letter in her emails.I have explained the above to her.
Consumer complaint received 2020-09-17
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi This is XXXX XXXX. I have to report against Transunion, I have no payment missed in last 6 years, still Transunion discriminating me and not updating my profile. I have whole credit report and did not show up any missing payments but recently I have applied it shows this Delinquent or derogatory status on accounts is too recent Too many bankcards with high balance compared to credit limit Not enough available credit on revolving accounts Lack of first mortgage account information It is also showing 31 % Credit usage, why delinquent account too recent, XXXX, XXXX does show other issues but never showed delinquent and Transunion keep dropping my score without any warning, I have never missed any payments as XXXX  and XXXX  in last 5 years, why Transunion reporting wrong information to creditors or lenders? in last 6 years never missed any payments, XXXX was in collection but has been removed, no medical bills I owed as I got annual credit reports. TU is keep lowering my score and they have big variations in their score calculations as compared to XXXX  and XXXX. TU is just  discriminating me and informing lenders " DELINQUENT OR DREGATORY STATUS ON ACCOUNT IS TOO RECENT '' Can TU explain where is " TOO RECENT ''? All three bureaus are discriminating people and not reporting correct information. Investigate this matter immediately.
Consumer complaint received 2020-09-17
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: EQUIFAX, INC. (TX)

On XX/XX/2020, I sent a certified letter to XXXX, account number XXXX, The letter contained information that is incorrectly reporting on my Equifax credit report. Through email correspondence. XXXX, agreed that the account was reporting inaccuracy, and sent me verification that they had sent Equifax a request for delete. They also sent the XXXX AUD Control number ( XXXX ). As of XX/XX/2020, this account is still reporting on my Equifax credit report. I contacted Equifax by phone, and was told by the representative, this item was placed in dispute. 

I have included the email that was exchanged between XXXX and myself for your review. 
Remove this item Immediately.
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-20
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. (GA)

This line of credit I have with XXXX  / XXXX XXXX Account # : XXXX XXXX XXXX XXXX ( characterized as utilization ) is illegally being reported. This is a violation of my rights Pursuant 15 USC 1681a 2 ( A ) ( i ), Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) Report containing information solely as to transactions or experiences between the consumer and the persons making the report ; The LAW CLEARLY STATES : Transactions or Experiences between me ( the Consumer ) and XXXX XXXX  ( the maker of the report ) are not to be included on my Consumer Report. 
Utilization is an experience with the line of credit that was extended between me the Consumer and XXXX Card Services the person that is making the report.

CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!
Consumer complaint received 2022-09-20
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)

The Credit bureaus stated Account Name XXXX & Account # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate? This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report either. 

Please see attached uploads, and highlighted areas= inaccuracies reported. 

Account Name : XXXX Account # : XXXX Account Name : XXXX Account # XXXX XXXX Account Name : XXXX  XXXX Account # : XXXX Account Name : XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX  Account # XXXX XXXX Account Name : XXXX XXXX Account # XXXX XXXX Account Name : NOT REPORTED ( Maybe XXXX  XXXX ) Account # : XXXX
Consumer complaint received 2021-12-09
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: NCB Management Services Inc. (OK)

This debt was paid to the original creditor and you have no business continuing to report it as a collections account. In fact, I never had a contractual obligation with this collections company and they are fraudulently claiming I owed them!
Consumer complaint received 2022-09-21
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. (NJ)

I did not authorize the credit inquiries from XXXX XXXX XXXX, XXXX, nor XXXX. 

XXXX XXXX XXXX XXXX XXXX, 2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 2021
Consumer complaint received 2022-04-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC (FL)

Please see the attachments for a full description and all documentation. Gemini transferred XXXX XXXX and XXXX XXXX that I did not authorize and did not receive any notification for the transfers. Neither I nor could XXXX stop or freeze my account. Gemini had XXXX XXXX over the situation and could easily have mitigated and even ended the hack the by having a secure system and telephone support. They have neither. Due to their lack of telephone support and insecure system that did not track any unusual activity, it took Gemini an hour and XXXX half to freeze all accounts resulting in losses of XXXX XXXX dollars in XXXX coins and cash. Gemini has NEVER responded to all the questions found in the attachments.
Consumer complaint received 2023-02-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (AZ)

I purchased a water heater from Loews. It had a 5 year warranty attached and was also supposed to have an L attached to it to cover labor. The water heater started leaking and when I called the warranty department at Loews they did not reply for 2 weeks and water was running in the home. Added problem was that the amount tendered did not cover the replacement. I went to a Loews store in Arizona and Manager XXXX XXXX stayed on the phone for and hour straightening out this unfair treatment. I thought everything was in order until I called The XXXX XXXX XXXX and they don't have any one to install the Water Heater.I had paid for 2 years thinking that I had coverage. With my out of pocket payment for installation I am out XXXX dollars Meaning that the coverage left me with a deficit.Hours spent with a tenant without a Water Heater.
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MORTGAGE CENTER, LC (MI)

On XX/XX/XXXX my home was foreclosed on by Mortgage Center LLC. This company has been reporting that I am past due on my mortgage instead of reporting that it was foreclosed on in XXXX. I contacted the company to resolve the issue and I was told to file a dispute with the credit reporting agencies. So I filed a dispute with XXXX  on XX/XX/XXXX, but I was told I need to contact Mortgage Center to have them send in the correct information. So again I contacted Mortgage Center and asked them to submit the correct information but I was told it's the responsibility of XXXX. 

I am embarrassed that my home was foreclosed on even tho it was due to me being ill and in the hospital for almost a year and therefore my pay was deducted by half which resulted in me defaulting my mortgage loan and losing my home. However I'm trying my best to move forward but I can't with Mortgage Center refusing to report the correct information. 

I filed a complaint with XXXX XXXX XXXX and I'm still waiting for them to comply with the simple request to correct what they are reporting.
Consumer complaint received 2020-09-17
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2020-07-12
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. (OH)

contacted the credit and to notify them of the fraud on my credit report. they werent attempting to help me solve the problem and get the items removed as they should be. The accounts are hurting me and not being able to obtain credit at this time due to the enormous amount of the accounts and they keep saying the claims are frivolous or cant identify me when Ive mailed them my id and social security card multiple times please help me solve this issue please Ive attached my social and my drivers license
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (FL)

Specialized Loan Servicing offered pandemic forbearance on my mortgage loan payments ( account # XXXX XXXX beginning with my XXXX, 2020 payment for three months, and then extended an additional 2 months, through XXXX, 2020. During that time, I had several conversations, which they informed me were recorded, acknowledging these arrangements, and with understanding that payments would be added to the back end of the loan. Moreover, we reached an agreement to modify the loan moving forward as well. At no time was there any discussion about paying the balance in full at the end of the forbearance period ; that would be very difficult, and very unreasonable to do under the circumstances. My conversations ALWAYS were with explicit understanding of the amount due being added to the loan.I was shocked to find that the payments were marked as 120 days past due on my credit reports, without any notification whatsoever. I have tried repeatedly to get someone at Specialized Loan to discuss this, and have left several messages to call me back, but no one has. Their negligence and complete lack of communication is costing me dearly in destroyed credit scores, and inability to conduct any business that involves borrowing money.
Consumer complaint received 2021-06-04
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: EQUIFAX, INC. (TX)

I initially sent a series of correspondence to the Credit Reporting Agencies as well as the Actual Creditor. 

I am fully aware of how reporting works and found proof of non-compliance in accordance to the XXXX and XXXX XXXX format method ignoring to report. 

In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of XXXX-XXXX  updates XXXX. 

It is very serious that you please investigate and resolve as this is injurious to my character and is obstructing my potential to obtain mortgage.
Consumer complaint received 2020-10-06
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)

THE ACCOUNT LISTED IS A FRAUDULENT ACCOUNT AND IT DOES NOT BELONG TO ME ALSO THERE ARE SEVERAL FRAUDULENT INQUIRES SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN AND FILL OUT FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other  possible violations of the law.