davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-02
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. (MN)

I have unknown inquiries that is on my credit report that I never authorized. The only inquiries are valid is the ones that I have an open account with. Please get these inquiries removed because it is a having a severe impact on my credit. Please do not allow to credit bureaus to say that I have authorized these fraudulent inquiries without facts. For example my signature, photo ID, and any pertinent information in writing that authorized these inquiries.
Consumer complaint received 2022-07-09
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 2022-04-07
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: ADIR INTERNATIONAL LLC (NV)

I first received a notice of a new account appearing on my credit report in my name on XX/XX/2022. I then checked my credit report and a new account had been added but from a company I had never heard of. I sent an email to the company ( Curacao ) regarding this fraudulent account but never received a response. On XX/XX/2022 I received an invoice in the mail from Curacao and on XX/XX/2022 I called customer service and spoke with XXXX at XXXX regarding my issue and she stated that she had started a fraud ticket and that the fraud department would be in touch with me. While waiting I froze my credit accounts and also sent a dispute letter with a copy of the invoice via certified letter on XX/XX/2022 and it was received on XX/XX/2022. But I received no response. I then received a physical credit card in the mail from Curacao and I then called customer service and spoke with XXXX on XX/XX/2022 at XXXX am where he told me that the account had been blocked and not further purchases could be made. I then inquired where the actual fraud took place and he told me at their store location in XXXX, Arizona. I filed a police report immediately with the XXXX Police Department regarding the identity theft and it was approved XX/XX/XXXX. On XX/XX/XXXX I was then contact by XXXX regarding the disputed account and both XXXX and I both spoke with XXXX, the fraud analyst from Curacao, on the phone. She informed me that she would be sending an affidavit that I would have to fill out and get notarized so she could further investigate. I received the affidavit on XX/XX/XXXX, but she also required several other documents in order for the claim to be further investigated. On the letter it stated that, " You must respond within the required time frame, or our company will consider that you accept full responsibility of this debt. '' I sent the forms required on XX/XX/2022 and they were received on XX/XX/2022, why weren't all these forms required when this account was opened in my name? I sent an email to XXXX on XX/XX/XXXX regarding the certified letter that I sent and she responded saying that she would follow up once she received the certified mail. I sent another email on XX/XX/XXXX and I have not had any emails or voicemails from XXXX.
Consumer complaint received 2021-02-02
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: Credit Plus Inc (VA)

I was shopping for the best mortgage rate beginning on XXXX-through XX/XX/20. However, CREDIT PLUS, XXXX, XXXX XXXX  XXXX, and XXXX XXXX were all third parties that were used in this process. However, CREDIT PLUS is responsible for pulling my credit as a hard inquiry from XXXX XXXX  on XX/XX/20 which has a file # XXXX, but it should be listed as a soft inquiry because it was within the 45-day grace period of shopping for the best mortgage rates. 



Secondly, XXXX XXXX requested my credit to be pulled as a hard inquiry on XX/XX/20 and it is listed as file # XXXX. Needless to say, both inquiries were authorized, but it should be listed as a soft inquiry because it was within the 45-day grace period of shopping for the best mortgage rates. 



Therefore, I would like for both of the hard inquiries to be reported as soft inquiries since they were implemented during my 45 day window of shopping for the best interest rate for a mortgage.
Consumer complaint received 2019-04-24
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. (GA)

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 24 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2020-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: CURO Intermediate Holdings (TX)

Um yes my name is XXXX XXXX and the reason I'm txting is because my credit is lock file is locked I caint use my credit because XXXX  got security freezie locked I caint get a load because XXXX
Consumer complaint received 2022-09-27
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-02-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2022-09-26
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. (CA)

I've been a victim of identity theft and had a fraudulent credit card opened in my name with XXXX XXXX. Transunion and XXXX obeyed the law and removed the fraudulent account from my credit report because they received my FTC report and police report. However, XXXX is breaking the law and reporting the fraudulent account as closed on my credit report. I need this removed immediately or I will seek legal action because this is ruining my reputation and does not belong to me
Consumer complaint received 2020-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LEADER ONE FINANCIAL CORPORATION (MN)

We refinanced our mortgage earlier this year with LeaderOne Financial Corporation, with a loan origination date of XX/XX/2020. We received an appraisal value of {$370000.00}, and this value was used by the lender to approve the refinance transaction. The appraisal was conducted on XX/XX/2020 and cost {$510.00}. 

After making our XXXX mortgage payment, our loan-to-value ( LTV ) ratio satisfied the 80 % ratio required for PMI cancellation with an unpaid principal balance of {$300000.00} ( 79.76 % ). We requested PMI removal and received a rejection letter on XX/XX/2020 stating that in order to qualify for PMI removal, we were required to order a new valuation to verify that our property has maintained its original value. Conducting a new appraisal is not only impractical, but poses an undue financial burden and unnecessary health risk. The appraisal used to approve our refinance was ordered through LeaderOne Financial Corporation, and was used to approve our mortgage a mere 108 days before we satisfied the 80 % ratio required for PMI cancellation. We should not be required to 1 ) pay an additional {$320.00} to confirm something that held true 108 days prior, and 2 ) more importantly, to needlessly invite another stranger into our home during a global pandemic, during which time cases continue to spike in our county. 

I had a phone conversation with a customer service representative of LeaderOne on XX/XX/XXXX, at XXXX Central, and this representative agreed that, given how recently our appraisal was conducted, we should not have to conduct a new appraisal. He advised me to email XXXX with our appraisal document, and again request cancellation of PMI, which I did. Upon not hearing a response, I submitted a second request via XXXX on XX/XX/XXXX. This request was again rejected, and we were again told we were required to conduct an appraisal. 

On XX/XX/2020, I contacted our original loan officer with LeaderOne, and was told " They should cancel the mortgage insurance automatically when you get to 78 % equity in the property without paying for an appraisal. '' Based on this information and additional research, on XX/XX/2020, we made an additional one-time payment of {$4700.00} to bring our LTV ratio to 77.94 % ( remaining principal balance of {$290000.00} ). Despite being below the 78 % threshold for automatic PMI termination, I saw that we were again charged PMI on XX/XX/2020. I called LeaderOne on XX/XX/2020, at XXXX Central to inquire as to why our PMI had still not been canceled and was again told that would require a new appraisal.
Consumer complaint received 2022-09-27
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. What's going on there at the CFPB and to Experian? This is so unbelievable! The items have already been deleted but now it has re-appeared on my file. How can you guys let this pass? I know I have stated this again and again but I have submitted this complaint numerous times already and I have attached all the information and documents needed such as my DL, SSN, Proof of Address, the dispute letter I sent to the bureau, the FTC report which I filed on their website to prove that I'm an identity theft victim. What else do you guys want?! PLEASE DO NOT IGNORE my request and DELETE the accounts which I do not own. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-10-24
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc. (NJ)

Couple months ago I got a letter from this company so that I have a date for my medical bills. I told them do not contact me by mail phone calls etc. The hospital made a mistake and Im not paying what I owe. On XX/XX/2020 I get a letter in the mail again from this company I called them and told them a couple months ago they were told not to contact me by mail or phone. And they have they are violating my rights as aConsumer
Consumer complaint received 2020-10-24
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7700.00}, {$6400.00}, {$4100.00}, {$19000.00}, {$36000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on  XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of $ XXXX-This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$36000.00} -This is not my account.
Consumer complaint received 2020-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

United Wholesale Mortgage has mishandled the money in my impound account. 
The defaulted on my rental property insurance policy payment causing the insurance policy to be cancelled. 
The insurance policy went for 6 months without payment.

I had insurmountable trouble getting this resolved with UWM including being lied to, hung up on, and disconnected. 
I finally contacted my mortgage broker and he got an email address for me that someone answered. 
In the emails, I was lied to several more times including blaming my insurance company, and promising to overnight payment. I realized that they were stalling and double talking me. 
I was also messaged from them in my secure message center (??!! ) ( no direct contact to me ) that they were increasing my impound account due to a shortfall! 
My insurance broker informed me that my insurer, XXXX, would no longer insure the property due to the 6 months of default but my broker found another company who would take the policy. 

I immediately paid for the new policy out of pocket since my property had not been insured for 6 months ( unbeknownst to me ) and I can not trust UWM. 
It has been over 24 hours since I have had any correspondence from UWM and I am pretty sure that no one is going to contact me again to resolve this. 
I would never be late on my payments but they were late and they took money from me with the promise to pay! 
Besides the fact that no one will talk to me on the phone and my emails are unanswered, I can no longer access my secure message center in order to download the proof I need.
Consumer complaint received 2022-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

After communicating via mail and phone call on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I am now filing this complaint. Assist me in correcting my credit file which has several wrong account and personal information. XXXX XXXX XXXX is listed 3 separate times on my file and hinders me from taking care of my family. XXXX XXXX XXXX is a company that is obviously made up because I have not heard of them ever. XXXX XXXX XXXX which I know is a collections company has listed on my report 2 times. They knowingly are attempting to collect on a debt that is not mine. XXXX to whom has duplicated a account that is NOT mine. XXXX XXXX I have never given them any information about me and I should not have a account. Every communication with XXXX, Transunion, and XXXX about these issues they send out a letter about validation. Under 15 USC 1681a ( XXXX ) it clearly states that in order for the credit reporting agencies to verify anything they must conduct interviews with my neighbors, friends, or associates that have knowledge of me and accounts. I know none of this has been done and even my family and friends know I handle my business.
Consumer complaint received 2020-09-16
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: Experian Information Solutions Inc. (MI)

XXXX  and the other two burus is reporting an old first premier account. I only had ONE credit card with these people and they have it listed twice! Two accounts! Two different account numbers, two different opened dates etc. Ive disputed with them 5 times on this and sent written disputes as well. They are telling me its a single entry. How is it listed twice? I had one credit card with them! I want these deleted  immediately or Im seeking legal recourse. XXXX XXXX for one doesnt allow you two credit cards so this is impossible and second looking at the dates they wouldnt give you another card if you defaulted and were late on the first lol. Im going to assume its either a mistake on their end and someone elses account is on mine or they sold the debt.This is ridiculous. I feel its laziness on their end. They should know having two accounts with first premier and the first was late you wouldnt get another. I ONLY HAD ONE CARD WITH THEM. The problem with that is which one is the accurate account? This is my livelihood its not okay to disregard my multiple complaints and disputes about your innacurate reporting. I wont stop until this is fixed. Its principle at this point. 
Thank you
Consumer complaint received 2021-08-03
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. (FL)

Ive contacted the XXXX XXXX 4 times in writing with certified mail asking them to provide status on bankruptcy on my credit report. They said XXXX XXXX verified, which XXXX XXXX does not show any bankruptcy on my credit file. I sent the burea a copy of my report and they still have done nothing and say its verified. this is costing me thousands in interest rates and denials. 

XXXX  still shows over XXXX false/not authorized credit inquiries on my credit file.
Consumer complaint received 2020-10-24
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: Experian Information Solutions Inc. (CA)

I submitted a complaint against Experian to the CFPB on XXXX. Experian didn't respond to my dispute within 30 days of my dispute. The law states Experian have to investigate a dispute and send their finding within 30 days. That didn't occur. I open a complaint with the CFPB and my complaint is closed because Experian responds back with a statement that was made up to show they didn't break the law. There was no investigation by the CFPB to find out if Experian followed the law. Instead the CFPB contacted Experian and allowed their response to justify they didn't break the law and violated by rights as a consumer. If that is the case how is CFPB helping consumers by siding with Experian without any investigation into the complaint at hand. I submitted documentation that prove Experian didn't respond to my complaint or gave me results to their investigation within 30 days. That is breaking the law, is that ok with CFPB. this agency is here to defend consumers when their rights have been violated and obviously my rights have been violated and in result my claim is closed. Experian lied and said I asked for them to reinvestigate my dispute. I contacted them and told them to delete the convenient outsourcing account after 30 days of the submission on my dispute, which wasn't investigated and results given within 30 days. This account have to be removed from my account by law, not because anyone feels that is shouldn't be or if the furnisher says it is valid, they had 30 days to do so and they didn't. It isn't enough for CFPB to submit my complaint to Experian and wait until they respond and when they do respond close my compaint. If that is the case why does this agency exist? to trick the consumer in to thinking they can get help when an illegal act has been committed against them only to find out the CFPB is not on their side but working with the entity that committed an illegal act. I submitted documents that support evidence my statement and that wasn't taken into consideration. Leaving Experian not accountable for their actions a message I will surely get out using social media that CFPB is working with Experian to cause harmful acts against innocent consumers. I suggest my complaint is reopened and this time look at the evidence submitted and hold Experian accountable for not following the law.