davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

Hello, I am writing a complaint, due to your false reporting of information on my credit file. There are  XXXX  judgements appearing on my report. I have sent letters to your company regarding these issues without a logical response, only that you have " verified '' that the reporting is correct. So, I took matter into my own hands and looked into this issue even further. I actually went down to the se e the county cle rk and had a conversation with a court representative. I asked him, " How is it that  XXXX  or Experian or a Third Party able to " verify '' that the court information is actually mine? '' He said on the original petition there is a FULL social security number only and filed under seal. In order for a credit bureau or any third party to obtain this information, they must file a motion with the court to unseal documents related to a case. I then decided to conta ct the County Clerk a nd they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any judgement cases. So, I say to you, how can Experian or  XXXX  or a third party information gatherer, get into the court system and verify as such that the full social security number belongs to me and not to another person with a similar name/las t 4? Y ou are reporting false information that can not be fully verified by the court system. If you have already petitioned the court, please provide me a copy of the documentation used to verify my information and the person with whom you verified the information. As you well know, it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you remove them immediately or face a lawsuit. Here are the judgements in question  : 1.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  {$9700.00} Satisfied Judgment  2 .  XXXX   COUNTY CIRCUIT COURT   XXXX   XXXX   XXXX   XXXX   XXXX  {$10000.00} Unknown Judgment I have  XXXX  judgement that says " satisfied '' with a balance of {$9700.00} ( that can not be accurate since satisfy means paid in full ).     I have the other judgement that says the status " unknown '' .This is false information because the status can not be accurate.
Consumer complaint received 2017-04-26
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: SECURITY FINANCE CORP (TN)

Professional Finance Services this  company is making my life a living  XXXX  they are reporting on my credit bureau saying i have and auto loan with them and it has been repossession i told this company before to send me the document stating that had a loan i never had a loan with this company and they are reporting on my credit of  XXXX  in  XXXX    XXXX   they want remove this inaccurate information please help
Consumer complaint received 2017-04-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION (VA)

I took out a loan with  Allied Title Lending LLC d/b/a  Allied Cash Advance on  X/XX/15    in the amount of {$1200.00}. I have paid {$3800.00} and I still owe {$930.00}. At the time I had no idea that the interest rate was 273.75 % They never told me, but apparently I signed a contract without really reading it. I 'm on  XXXX  and at the time I had lost my job and was not able to pay my mortgage. So I borrowed the money.     Call for Action tried to help me, but the manager,  XXXX   XXXX  for  Allied, Cash Advance,   XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX , VA  XXXX ,  XXXX   XXXX   XXXX   XXXX  was instructed not to talk to them and has hung up repeatedly and turned the phones off.     I feel like this was deceptive, Had I know the interest rate was 273.75 % I would have never taken out the loan.     Can you help me with this? At this rate I will never pay them back, and they were paid 3 times the amount that I borrowed.
Consumer complaint received 2017-04-26
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (IL)

I 've contacted Best Buy numerous times regarding my refund of being enrolled in thei r Debt Protection  program. I was told my account was sent to the Accoun t Maintenance Depa rtment to issue a refund within 30 days.     Th e Debt Protection Customer Service Department or Best Buy Credit Card Services can not provide any details/ status updates on the refund. I '  m continuously passed between the two different departments with no results or solution.      It appears I was unknowly enrolled in this program on  XXXX / XXXX / XXXX . I cancelled the plan on  XXXX / XXXX / XXXX .     As of  XXXX / XXXX / XXXX  no refund has been issued and I have not received any proof of evidence into enrollment.
Consumer complaint received 2017-04-27
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. (MN)

I wrote the  XXXX   Credit Burrows 50 time s sending the m 3 forms of ID that No bank can Verify me and the Credit Burrow neve r  Respond    XXXX   XXXX   XXXX    Employee  intentionally Rob me  XXXX  dollars and i ca n't Get a New Bank Account in 3 years.   I have been denied  70 Bank Accounts in the la st 3 years.     I only have one ATM Card and better fly Two  XXXX  two Ask  XXXX  or Sue the Credit Burrow and   XXXX   XXXX   XXXX    Im Going two  Start Suing the Credit Burrow from a new Country Every 3 Months Nobody can sue the Credit Burrow From any Country the only thing People can do is Nothing.
Consumer complaint received 2017-04-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERFIRST MORTGAGE COMPANY (TX)

I request a loan rate quote from Interfirst Mortgage Co out of  XXXX , Il.  XXXX   XXXX ,   XXXX  . I received an email fr om Senior Mortgage Loan Originator,   XXXX   XXXX  that afternoon. I explained to him what I was looking for as far as 20 yrs, etc. He sent me an email with the available rates for that day.  XXXX   XXXX , I to  XXXX   XXXX   XXXX  to place application and agree to electronic signature.  XXXX   XXXX , I was contacted by  XXXX   XXXX ,  Sr. Loan Processor for Interfirst to up load documents. I provided all the information needed. The loan was submitted to underwriting  XXXX   XXXX .  XXXX   XXXX , I was told I had conditional approval on the refinace (  1 . Provide a satisfactory  XXXX  Re : inquiries in the last 120 days to evidence no additional debt. Respond to each inquiry by the creditor 's name.  1 )   XXXX ,  XXXX  ;  2  )  XXXX / XXXX ,  XXXX . Please provide signed and dated letter of explanation for each inquiry, by creditor name, and date, state results, if new accounts opened, provide current statements. ) This I provided. Also I gave a credit card # for the appraisal {$490.00} which could not be done until  XXXX . After that I was lead to believe we were closing  XXXX   XXXX . I had told  XXXX  that I had  XXXX  acres but only financed home with  XXXX  acres and that I had built a mother in law area for my Mother. This was all discussed before appraisal.   When Appraiser came I explained this to him too. But he did the appraisal on the  XXXX  acres. I received a denial because of acreage. I spoke with  XXXX  and he spoke with  XXXX   XXXX  Co and they had the appraiser redo for just the  XXXX  acres. Then I never heard from anyone about what was going on. Then  XXXX   XXXX ,  XXXX   XXXX  ( Manager Retail Operations ) I was told both  XXXX  and  XXXX  were no longer with the company. I do not know why and believe this is the major reason the loan was denied. She said denial based on acreage and no comparable in area for mother in law area. Like I said this was all upfront information. The appraiser did an amended appraisal for the  XXXX  acres  XXXX   XXXX .   I am trying for another loan and they can accept that appraisal but have to have a transfer form signed by Interfirst and they are not cooperating. I am the one who pays the appraisal and after all the mess I went through with them they should at least do that. Otherwise it is going to cost another {$590.00}. I have all of the emails and documents.
Consumer complaint received 2017-04-25
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

On  XXXX   XXXX ,  2016   XXXX   XXXX ,  XXXX  closed on a loan with Bank of America secured by commercial real estate located in  XXXX   XXXX , Colorado.     The Deed of Trust perfecting the lien on this real estate was recorded  XXXX   XXXX ,    2016  at  Reception No.    XXXX .      Loan  was Paid In Full to Bank of America in  XXXX ,  2016 .     C.R.S. st  ates 90 as an acceptable time period to release a lien once obligation has been satisfied.
Eight months later and the lien as NOT been released.
Multiple att  empts, consuming numerous man hours, to work with Bank of America have been made ; up to and including receipt of a copy of the Release of Deed of Trust which as of today 's date has NOT been submitted to the  XXXX   XXXX   Public Trustee.
Consumer complaint received 2024-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2017-04-26
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. (FL)

Experian is  continuously reporting inaccuracies on my credit file. I have tried several times on their website to report these inaccuracies with supporting documentation but they will not look at or follow the law. Under FCRA 611 ( a ) ( 6 ) and ( 7 ) 15 USC 1681i they are supposed to provide me with " PHYSICAL, '' proof of their investigation, not speculating by just saying " verified, '' " remains, '' and " Meets requirement of the Fair Credit Reporting Act. '' That is n't a form of verification. No where in the FCRA does it state that is how you verify the items. I have asked to see contracts, contact information of who they spoke with from each inaccurate account and they still do not provide any of that information. None of these accounts have even been properly investigate d and they are breaking the law!   Attached is my dispute with all relevant information to each inaccurate account and inaccurate personal information.
Consumer complaint received 2017-04-24
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. (NJ)

XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   N.J.  XXXX  Experian  Attn :   Complaint Department   XXXX   XXXX   XXXX   XXXX  , TX  XXXX  I am writing to dispute the following information in my file. I recently received a copy of my   XXXX   credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance  C. Employment D. Court Order T he following credit inquiries are related to none of the aforementioned permissible   XXXX   XXXX   (  XX/XX/XXXX  )  XXXX   (   XX/XX/XXXX  ) Please remove these inquiries from my credit report immediately. I have enclosed a copy of my identification card as proof of my identity.   Sincerely,   XXXX   XXXX
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : TBOM/FORTIVA Account XXXX Account Name : THD/CBNA Account XXXX and list of Inquiries XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-04-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MA)

I received a auction date for  XXXX / XXXX / XXXX . This is my primary residence I tried to do a loan modification but I was told it was incomplete. The mortgage is under my name and the a co-borrower who is also the father of my children and also the abuser. I am a victim of  XXXX   XXXX  and currently have a restraining order active, against the co-borrower The bank is requesting a quick claim deed from the abuser it has been hard for me to locate him. I am asking for a stop or postponed this date so that I cou ld get a 3rd person involved to reach the abuser and have this document signed I also have my children contributing to th e mortgage. I am asking please to give me an opportunity to resolve this matter..I have done a loan modification in  XXXX  but was denied because I failed to submit a paper from the package which I did faxed to the bank and they claim they never received it. Please help me out I strongly want to keep my residence and I know that I could make mortgage payments if approved a loan modification Thank you.
Consumer complaint received 2017-04-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (CA)

I have communicated several times to  Professional Bureau Of Collections of Maryland representatives to DO NOT CONTACT me at work. This collection agency   has been requesting a copy of my credit report and I currently do not have a reported debt with this agency. I have NOT received any written notification of any debt that is owed, yet this company keeps calling from a multitude of different numbers on my office phone and is now going through the operator switch board.
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all 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 2017-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc. (TX)

Okay, again, this is in rebuttal to the very offensive response to previous complaint #  XXXX .   So ... ..now I get the fraud kit and affadavit! It would have really been fine to just send me the information, especially when I first contacted you all back in  XXXX   WITHOUT  the continued attack on my credibility and having a passive aggressive stance in your language in response.     Funny how when I started this process, nobod y at TBI eve n suggested or tried to get this for me to help me out. Instead, it was a bunch of continuous grief, pulling teeth to get answers of which I never got because I could never get the purchase receipts or signed transactions indicating who exactly made purchases on this account ... and ... .subsequently paid on the account.     I will submit the information as asked for by your company but I still keep asking the question over and over, " why was n't this suggested a long time ago? '' Lastly, and again, the language and offensive response is stil l one of calling  me a liar and suggesting that whoever is responding to these complaints should be reviewed for ethical conduct and at minimum, be required to attend some sensitivity training and ethical conduct continued education. It seems this person seems to believe that he/she knows more about my life than I d o. TBI should  either examine who they hire and who is entrusted to handle these complaints or do a deeper review and analysis of their company culture as a whole. I would suggest running all communications through your legal department and have someone more qualified than this person, make the next communication.     Therefore, this complaint i  s aimed directly at this individual in hopes that it does catch the attention of someone at TBI who should be paying attention. If this is the way that TBI handles their communications, well then, it is quite easy to see why they are on the target list for so many complaints and unethical and unprofessional behaviors.
It should never be commonplace to attack the credibility of a consumer REGARDLESS of what a rogue individual 's opinions are or of what the culture of TBI supports in regard to this behavior. Therefore, it is my belief that it must be the overall culture of TBI due to the fact that an individual like this is left unsupervised to respond with this kind of attack and not be ashamed or even fearful of legal consequences.
As mentioned, please have someone with a better understanding of sensitivity and professionalism contact me on the next response.
It is my hope that CFPB is paying close attention to this thread!
Consumer complaint received 2017-04-25
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

XXXX  has been reporting the wrong  XXXX  date of delinquency since the loan has been on my credit reports. I have proof of this as well and have sent numerous letters to all three credit bureaus with no change in it being fixed over the last year. Only  XXXX  credit bureau removed  XXXX  of the  XXXX  accounts as it should have been but failed to remove the other. I have sent bills from  XXXX  to prove that the first date of delinquency is incorrect and that the  XXXX  accounts from  XXXX  should not even be on my credit reports.  XXXX  has also been past the statute of limitations for NY  ( 6 years ). For a long time  XXXX  was reporting the wrong history and balances of th e accounts since day  one, but  that was updated last year. I never had this issue with   XXXX   XXXX   as the original creditor. Please help me fix this situation as it is ruining my credit. I have highlighted in the Navient payment history for both accounts in yellow via attached documents to show the proof.
Consumer complaint received 2017-04-25
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: EQUIFAX, INC. (TN)

Upon reviewing my account it looks as if I have a LOT of inquiries that do NOT belong to me on my account. I even have some that show up at multiple dates. I sent certified letters in  XXXX  in reg ards to this issue and have not heard back from  XXXX , Equifax and  XXXX . They are all dated for the year of 2016. I would like for the below inquiries to be deleted. '' I have explained myself about the the email system of   XXXX   being breached. I even had to call to remove addresses that I 've never lived.
Consumer complaint received 2017-04-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JH Portfolio Debt Equities, LLC (SC)

This complaint is against the company  " JH Portfolio Debt ''.      Currently, they are reporting that I owe them a total of {$430.00} on my credit.     I have never had any dealings or communication with this company so there is no reason for them to be reporting an unpaid debt on my credit report. They constantly call to harass me and my family demanding payment but I have no knowledge of why they even want this money from me. They have not provided me with any supporting documents to back up their claims.     I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.     To facilitate the CFPB 's investigation, this is the account numbe r I fo und from a recent report : "  XXXX  ''. My report indicates that the account has an " open date '' of  XXXX    XXXX  .
Consumer complaint received 2017-04-26
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. (FL)

I submitted letters to  XXXX , Transunion, and  XXXX  regarding multiple student loan accounts that were on my credit report that are duplicates back in  XXXX . These accounts have been closed and paid, transferred to another lende r ( Consolidated ). I have also called them in regards to this matter as well. I have not received anything, no results.