davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-24
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (OH)

Our mortgage company did not pay the taxes at the close of our refinance. This was part of the contract that we signed. We received a delinquent tax statement. When we called they paid it out of our current escrow. This caused our escrow to go into negative. We have tried to contact them multiple times and they still will not respond. They put me on hold hang up. We also had contacted them regarding getting rid of our PMI As we attempted a updated appraisal showing the house was valued at significantly more than what we had financed. They stated that we were exempt from that because we refinanced after 1990?
Consumer complaint received 2022-09-24
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: General Motors Financial Company, Inc. (IL)

I XXXX XXXX is writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX, XXXX and XXXX credit report. My latest credit report shows that on XXXX XXXX a credit inquiry that I did not authorize is listed. I only authorize XXXX XXXX to run my credit for GMXXXX Financial and they also ran my credit for multiple lending companies. I would like for that inquiry to be remove from my credit report. 


XXXX XXXX
Consumer complaint received 2022-09-24
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. (KY)

I have disputed the inaccurate reportingS with TransUnion, XXXX, and XXXX several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX Account Number XXXX TransUnion is reporting an open date of XX/XX/2018, XXXX and XXXX have an open date of XX/XX/2018. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX and XXXX considered to be furnishers? These accounts do not belong to me and TransUnion, XXXX and XXXX have failed to plead their case to who has provided them with this false information and/or provide method of validation of these inaccurate accounts reporting on my credit file. Please help me to get this matter resolved.
Consumer complaint received 2022-09-24
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)

Hard inquires from INQUIRIES FROM - XXXX XXXX XXXX XXXX XXXX XXXX via XXXX, XXXX XXXX XXXX XXXX via XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX that are on my credit file that I did not authorize. I have filed an Identity Theft Report.
Consumer complaint received 2021-11-11
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: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I have repeatedly notified XXXX the information from PORTFOLIO RECOVERY ASSOCIATES is inaccurate. They have yet to show when the last payment on the account was made and keep changing the date to keep it on the report. I have explained I was imprisoned from XXXX until XXXX. The first time they moved the date was early XXXX when they changed the drop off date from XX/XX/XXXX to XX/XX/XXXX. In XXXX when it failed to drop off I filed another dispute and found out the date had been changed to XX/XX/XXXX. THe other 2 companies have already removed the fraudulent information.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Please be advised that this is my SECOND REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681.

You are required under the FAIR CREDIT REPORTING ACT to have properly verified that an account listed on my credit report is mine by having a copy of the " original credit application file. 

See Attached
Consumer complaint received 2022-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my second time dispute incorrect items in my credit report and they still have not got back to me all XXXX bureaus Ive also sent a demand to comply letter they are reporting inaccurate information which has caused me to not be able to get approved for a home loan a car loan and even business credit and business loans to further my business this is unacceptable and unlawful!!! I want these items removed now!!
Consumer complaint received 2021-11-11
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)

Todays Date is XXXX XXXX My Experian Report Number : XXXX And My FTC Report Number Is XXXX And This Is The Second Time I'm Writing This Complaint I am a victim of identity theft i have Sent In My Police Report And FTC Report To Experian Over And Over I Even Call Experian Spoke To A Person By The Name Of XXXX XXXX From The Fraud Department Which Was Very Rude To Me! This Account Experian Is Reporting On My Credit Does Not Belong To Me XXXX XXXX XXXX Account number XXXX {$14000.00} Experan Claiming That The Account Is Verifed But They Never Showed Me Proof Of Verification Because This Fraudulent Information And Don't Belong To Me Very Disapointed With The Way Experian Has Been Handling My Report I've Sent My Police Report And Ftc Report PLEASE REMOVE THIS ADDRESS FROM MY REPORT I NEVER LIVED HERE XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-11-11
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (CA)

I suffered a loss due to COVID 19 national disaster, as result my loan was placed into forbearance. My mortgage company Suntrust now Truist Bank sent out documents for me to sign for the partial claim option. I sent the documents however the bank says they never received them and they reported my account as over 180 days late, severely impacting my credit score. I called the bank to investigate but they were unable to remove the negative remark because the loan has to go through the loss mitigation process all over again. I am complaining because I suffered through XXXX XXXX, now I am being punished for something out of my control with mailing system and to report my account as late and impact my credit score really hurts. Please help me.
Consumer complaint received 2022-09-24
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. (FL)

Transunion has denied me access to freeze my account after I believe my identity has been stolen. Numerous accounts on my credit report are false and reporting without my authorization. I have called Transunion multiple times as well as sent validation letters to validate these allege debts. This inaccurate and misleading information on my credit report is preventing me from getting employment and basic needs that require decent credit. This is identity theft and something needs to be done now.
Consumer complaint received 2022-09-24
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. (MN)

Someone use my information in another state to get open an account and also medical treatment without my knowledge until I pulled my credit report. I have already submitted all documentation to all parties involved and have not received any documentation showing that this belongs to me. They all failed to verify the information but still have it on my credit report. Please delete all this fraudulent accounts on my report.
Consumer complaint received 2024-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

Experian is reporting a different date opened and a different account status also different date last active from the other credit bureaus. This is a violation of the FCRA.
Consumer complaint received 2022-01-27
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENTAGON FEDERAL CREDIT UNION (IN)

This company told me that they would do a soft pull to do a pre approval on an Auto Loan. They lied. They hard pulled my credit and then lied about it again when i called to get clarification. Only after i talked to a manager did they admit to hard pulling my credit report. They lied and negatively affected my credit score because of it
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I XXXX XXXX a federally protected consumer has recently reviewed my consumer credit file and notices some unauthorized items. I did not give persmission to anyone to furnish or collect debt because pursuant to 18 USC 8 all obligations are of the United States. I am a natural person and its federal law that I should hold you accountable for violating my consumer rights.
Consumer complaint received 2022-07-16
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (NJ)

At the end of XX/XX/2022, Comenity Bank apparently went through some kind of system update. Since that time I have not been able to use my XXXX XXXX. I have called and spoken to different reps who tell me they arent sure when my card will be able to be used. Ive messaged them privately on their XXXX page and commented publicly on the page - and continue to get the same automated response. Anytime I try to use the card it gets declined and I get a text that says declined for user lock control. I have never locked my card and when I check the account online it says the card is unlocked. I tried to make an online purchase at loft.com by giving the rep my card via live chat, and even they couldnt figure it out and I had to use another card ( where I wont get any rewards points because that is the whole point of using the store credit card in the first place ). If you look at Comenitys social media youll see that hundreds of customers are having the same problem. This is going on over 2 weeks now with no information about when this will be fixed and customers are not being updated at all! I work in the financial industry myself so I know this is unacceptable to not notify your customers of a system wide problem or be accessible to provide real answers.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I XXXX XXXX recently reviewed my credit file and notice there are some unauthorized inquires reporting to my Transunion credit file. These inquiries are not attached to any of my open accounts and this information is false and misleading and I would like for this information to be remove. The documents attached below and will help you identify the fraudulent activity on my consumer credit file.
Consumer complaint received 2022-07-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

My son, age XXXX, used my phone to charge thousands of dollars in purchases for some game through XXXX XXXX XXXX XXXX. Hebwas not authorized to do this and the confirmations of these purchases were sent to an email address that he created and was unseen by me until I noticed the charges on both my bank statements and credit card statements going back months. I have reported these unauthorized charges to XXXX but have not received any answer.
Consumer complaint received 2022-07-16
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. (CA)

XXXX was supposed to report to all three credit bureaus but only reported to XXXX. XXXX claimed to have removed XXXX from my credit report, and they did not actually remove it from my credit report. XXXX has not reported ANYTHING ACCURATELY since XXXX, XXXX. Also, none of my addresses on ANY credit report are accurate, therefore it is impossible that XXXX, XXXX, Transunion, and XXXX were able to dismiss my disputes in their dispute responses, if they can't prove that I lived at another address. 

XXXX XXXX and XXXX XXXX agreed for a pay-for-deletion amount of {$260.00} and agreed to report that I was able to bank with XXXX XXXX XXXX again . 
Case : # XXXX P : ( XXXX ) XXXX. 

The collection agency may not have documented the correct amount, and if not, I have sufficient evidence to prove what was said in my conversations with the scamming collection Agency that works with XXXX. 

{$260.00} was not the actual amount that was reportedly owed, {$220.00} was the actual amount. The {$40.00} extra that the collection agency asked me to pay was for deletion of the XXXX charge off from my credit report and the restoration of my XXXX account. 

11 months has passed since I first filed a complaint and still no righteous, proper, nor professional work was done. FCRA was violated multiple times with fraudulent information, and negligent behavior by XXXX, XXXX XXXX XXXX, XXXX, XXXX, and Transunion. XXXX was caused by refusal to officially remove XXXX account from Credit Report. I am still receiving a message stating my account is disabled by XXXX XXXX XXXX whenever I log in to my old account. I am also banned from making any new XXXX XXXX XXXX Account. Emotional Distress, Denial of opening ALL credit union accounts due to XXXX 's false updating, and negligence of completing a full investigation are all violations and penalty fines may occur. I will submit a complaint to XXXX XXXX XXXX XXXX if I continue to see any more false information in regards to my personal information and credit scores. Fraudulent actions and negative reporting on consumers may seem like no big deal because it's not in regards to YOU, but I will sue Transunion, XXXX, XXXX, XXXX, and XXXX 's collection services with all of the legal power I have if violations ensue. All companies involved in wrongdoing may have to defend their companies in a court room, one by one. You have between 30-45 days to respond. Since I've already reached out and submitted a complaint to all of you, I'd recommend making your FINAL response decision by XX/XX/XXXX, as I have more than sufficient evidence to sue every company listed. Thank you.
Consumer complaint received 2021-11-11
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)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : Charge Off : XXXX-Balance {$1400.00} XXXX XXXX XXXX-Balance {$700.00} XXXX XXXX-Balance {$2000.00} XXXX XXXXBalance {$0.00} XXXX XXXX  XXXXBalance {$400.00} XXXX-Balance {$2500.00}
Consumer complaint received 2022-04-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 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.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$3100.00} ; GA XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XX/XX/2022.
Consumer complaint received 2021-11-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (TX)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Regardless of the multiple written requests, the ASSETCARE LLC ( XXXX XXXX XXXX ) XXXX Balance {$84.00} still reporting on my credit report in violation of Federal Law. The XXXX Credit Bureau is failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account PRONTO.