davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-14
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-17
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. (FL)

On XX/XX/XXXX I sent Equifax a factual dispute showing the inconsistencies in the account they were reporting. The date of delinquency was incorrect on my reports. The correct date of delinquency is XX/XX/XXXX. The accounts were showing XX/XX/XXXX. On XX/XX/XXXX I received a credit report stating this account had been verified. I sent the same letter to XXXX and XXXX. XXXX stated they were unable to verify the account and removed the account. In XX/XX/XXXX, I received notice from XXXX that they were unable to validate the account and the account was removed from my report. I also received notice from XXXX that the account was unable to be validated and the account was deleted from there as well. I send a follow up letter to Equifax on XX/XX/XXXX stating that inconsistencies were still being reported as well as proof of the date of delinquency from the creditor. As of XX/XX/XXXX, I still have not heard back from Equifax. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. If this is the case, then the account has never truly been verified by Equifax as it was deleted from XXXX, XXXX and XXXX.
Consumer complaint received 2022-09-25
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

HAVE SENT SAME PAPERWORK FOR " MY INCOME ONLY '' ONLY ONE ON LOAN TYPED UP A LETTER OF EXPLANATION!!!!!!!!!!!!!!!!! SEE XXXX FILE JOINTLY WITH MY SPOUSE AND EXPLAINED IT MY " INCOME ONLY ON APPLICATION '' HAVE SENT SEE XXXX SENT SINCE XXXX!!!!!!!!!!!!!!!!!! WHY CAN NOT ANYONE READ IT! DONT NEED TO SEND HER 1099 INFO BUT DID SHE IS NOT ON LOAN!!!!!!!!!!!!!!!!!
Consumer complaint received 2022-09-05
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-04-12
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

Original creditor is XXXX XXXX XXXX. Amount balance is {$680.00} for a credit card from that I have never opened and it is currently in collections. I seen the email that was involved when I contacted Resurgent capital services, and seen that it belongs to my ex. Therefore I have never knew of this account nor received the card or used the amount on it. I was working and living in XXXX XXXX working in XXXX at XXXX. The address they provided was the address of my ex girlfriend and I wasn't living at the address. Need this removed and off my consumer report as it is effecting my credit profile and having a lot of difficulties applying for multiple things. I never authorized this credit hard nor ever received any information of sort. Please and thank you. I need this to be removed ASAP off my consumer report as it is showing on my XXXX credit profile. Each attempt of dispute I make they are saying that it is verified.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-09-25
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Note there XXXX complaints files here they told me to show them errors I feel in retaliation and not fix their errors they sell my mortgage ; My payment was XXXX. No escrow was never late, ask for a short time : On XX/XX/XXXX We sign a modification base on the information from Bank of America that was provided ; Information dated XX/XX/XXXX to XX/XX/XXXX escrow demand XXXX, payment would be XXXX : plus the add 14 years : upset, Bank America made this call. 
all trial payments were made on time ; Modification was delayed but updated from XXXX to XX/XX/XXXX ; on XX/XX/XXXX Mis post of XXXX applied to the principal. Principal adjusts to XXXX ; ( XXXX ) XX/XX/XXXX wave the late fee. were adjusted ; the amount of XXXX and arrearages was not applied : also Bank of America part of the modification was supposed to pay an amount to escrow they did not, As I review we were manipulated by the demand of XXXX escrow when they only need XXXX. They add 14 years based on their figures : Date XX/XX/XXXX : We sign a modification base on the information BOA provided; We made our first payment on XX/XX/XXXX in amounts of XXXX and XXXX and it took XXXX weeks for Bank of America to credit my acct : XX/XX/XXXX as of XX/XX/XXXX sum of XXXX were unapplied total ; I paid all the amount there were due to all statements XX/XX/XXXX to XX/XX/XXXX that were sent paid. I was told all unapplied would make full payments On XX/XX/XXXX they fail to apply all payments to what was due ; applied money for the Deferred Principal balance of XXXX that was not due on XXXX/XXXX then demand escrow amount from XXXX to XXXX ; on Modification estimated of XXXX the fact is they increase my escrow to collect XXXX in less than 8 months, and they have failed to subtract it from the deferred principal balance as they promise as of XX/XX/XXXX on XXXX for XXXX, it should have been only XXXX ( Letter dated XX/XX/XXXX they add XXXX to my loan ; On XX/XX/XXXX I paid the XXXX ; XXXX states XXXX, not XXXX. 
I did not fail on payments Bank of America fail on applying on XX/XX/XXXX bank of America sent a letter stating Capitalizes escrow transaction was delayed until XX/XX/XXXX. 
Our full understanding of modification to help us not to delay In their letter it states does not match XXXX for XXXX and XXXX ; they also take escrow early base on XX/XX/XXXX enclosed. 
;
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: MoneyLion Inc. (GA)

Moneylion said I took out a loan to boost my credit paid them {$150.00} of the loan and all i owe them is {$71.00} of the loan. and continue to say I am a member
Consumer complaint received 2022-09-13
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)

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 15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collections of any debt
Consumer complaint received 2022-09-14
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I log into TransUnion site, go to freeze/unfreeze and get an error that says : XXXX The TransUnion Credit Freeze Service is temporarily unavailable. 

It's been this way for several months. I called as asked why and they didn't know and didn't help. 

I also can not retrieve a credit report from the site. Says there should be a free report once per day and it gave me an error when I tried to request it.
Consumer complaint received 2024-12-23
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (TX)

Best Buy is in violation of 15 USC 16, 4215 USC 1681 AM and 12 CFR 1007 because I had a consumer made an application in good faith but credit was not issued for the More because my Social Security number which according to 15, USC 1602 is defined as a credit card was used and I receive no benefits. This is proof of fraudulent activity unauthorized use of a credit card on behalf of Best Buy. I tried calling and reaching out the number that was listed in the letter they sent me was invalid. I will, indeed make Best Buy criminally and civilly liable for all actual damages pursuant to 15 USC 1681 and 15 USC 1681o. I will also follow up with the invoice for Said violations, 1000 per violation
Consumer complaint received 2022-09-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (CO)

We applied for forbearance during The pandemic and now Im trying to get a loan modification. I was sent a letter last week saying that I was declined due to that I didnt have paperwork showing hardship and that the house will be foreclosed on XX/XX/22. I have not received any formal letter from the mortgage company, I was verbally told over the phone. I thought with the Cares Act they could not use the forbearance total to foreclose on your house. I was not given any other options but a modification loan. I have equity in the house that will cover the {$27000.00} that Im behind in. I have made the last 4 month mortgage payments.
Consumer complaint received 2022-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (FL)

I never bought a service from XXXX, especially in XXXX XXXX, that I have never been to. When I disputed the debt with the collection agency, they only sent me the amount owed and a notarized letter without my information or signature anywhere. The only information that appears from me is my name with an old address and nothing else. This debt is not mine.
Consumer complaint received 2022-09-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX charged me for liability insurance ( {$270.00} ) on a HELOC ( acct # XXXX originated by BB & T bank XXXX now Truist ) that has had a XXXX balance since it was paid in full in XX/XX/XXXX. This is on a property at XXXX XXXX XXXX XXXX, SC XXXX that I sold in XX/XX/XXXX. 
I dealt with XXXX XXXX XXXX at my local Truist branch in XXXX Fl. After more than two weeks of trying to get the charge removed, paying {$5.00} to close the HELOC and faxing proof to Truist showing that I did in fact sell the property no one has been able to help me. Everyone shunts me to someone else who is also unable to help. 
On XX/XX/XXXX I filed a complaint with the XXXX XXXX XXXX XXXX complaint # XXXX ). I had a phone call from Truist that same day telling me a XXXX XXXX XXXX ( XXXX ) from Truist would call me with 15 business days. It is now XX/XX/XXXX and I have yet to hear from anyone. 
I want to close the HELOC since I no longer own the property, I do not want to pay {$270.00} for insurance on a loan against property I no longer own and I do not want this to go against my credit since I have not paid the premium. Please, somebody, help!
Consumer complaint received 2022-09-25
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. (VA)

I recently found out that a company by the name of XXXX has reported a balance of {$2600.00} on my credit report. This is not mine ; I have no knowledge of this account and it has resulted in my credit score dropping over XXXX points. This item appears to be an 8 year old account reporting with no credit history. 

They are in violation of the following : In accordance with the fair credit reporting act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S Code 1681 ( 5 ) this account is in violation of not reporting 100 % accurate
Consumer complaint received 2022-09-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC (IN)

Several years ago I joined XXXX XXXX in CA. When I joined I set up automatic payment with my bank. Approx. XX/XX/2022 I called and informed XXXX XXXX that I was moving to Indiana and wanted to cancel my membership. They took, my information, told me I was current with payments and that I was cancelled. I then called my bank and stopped the automatic payments. A few months later I was contacted by a XXXX XXXX agent who said I owed {$130.00}, I told them I cancelled my membership and was current when cancelled. They said they would check. I was then told I was okay. Heard nothing else for 6 months when the law firm of Aldous & Associates contacted me. I informed them in writing that I disputed the claim, and that I cancelled as described above. I asked them in writing for an explanation of the {$130.00} charge and all documents pertaining to the charge. I only received an illegible copy of a membership agreement that was unreadable. I again asked for an explanation of the charge and copies of legible documents. I was supplied with no other documents or information verifying what was owed. They reported the alleged debt to credit bureaus. Despite knowing that the debt was disputed, they provided no legible documents or information, after I had requested these same twice in writing.
Consumer complaint received 2022-09-14
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. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

I am writing to dispute the reappearance of two collections on my credit report. On XX/XX/year> these collections were deleted from the credit bureaus ; however, a week later, they were reinserted without proper notification. 

Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ), I should have been notified in writing within five business days if a previously deleted item was reinserted. As I did not receive such notice, I am requesting an immediate investigation and removal of these collections from my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  + {$11000.00}